ACCRETUS LTD — PRIVACY POLICY

Last updated: 1st December 2025

Accretus (“we”, “us”, “our”) is the trading name of Accretus Ltd, a company registered in England and Wales (Company No. 16771341). We are committed to protecting your personal information and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

This Privacy Policy explains how we collect, use, store and protect your information when you use our website or engage with our services.

1. Who We Are

Accretus Ltd
Registered office: 20 Wenlock Road, London, England, N1 7GU
Email: contact@accretus.co.uk

Accretus provides business capital solutions, including capital introductions, credit assessment, consulting, and related unregulated business support services. We may offer direct lending services in the future, but not at present.

For the purpose of data protection law, Accretus Ltd is the data controller of your personal data.

2. What Information We Collect

We may collect and process the following information:

Information you provide to us directly

  • Name
  • Email address
  • Business name
  • Details of your capital or business requirements
  • Basic financial information you voluntarily provide (e.g., revenue, profitability)
  • Any information submitted via our website forms or email

Information we collect automatically

We may collect limited technical information such as:

  • IP address
  • Browser and device type
  • Pages visited
  • Time spent on our site

We currently do not use analytics or tracking pixels, but may introduce these in future.

Information provided by third parties

Where relevant, we may receive information from:

  • Lending partners
  • Professional advisers
  • Publicly available sources (e.g., Companies House, financial filings)

3. How We Use Your Information

We use your information for the following purposes:

Providing and improving our services

  • Responding to enquiries
  • Assessing your business needs
  • Matching you with suitable capital providers
  • Preparing introductions to lenders or financial partners
  • Performing basic credit assessment
  • Providing consulting or business support services

Business operations

  • Internal record keeping
  • Improving our website
  • Ensuring security and performance

Legal and compliance

  • Meeting our legal obligations
  • Responding to legal requests
  • Ensuring appropriate handling of personal data

We do not sell your data.
We do not use automated decision-making.

4. Lawful Basis for Processing

We process your personal data under one or more of the following lawful bases:

  • Legitimate interests – responding to your enquiries, delivering our services, and operating our business.
  • Contractual necessity – taking steps prior to entering into an engagement with you.
  • Legal obligations – compliance with data protection and other legal requirements.
  • Consent – where you have explicitly agreed to receive communications.

5. Sharing Your Information

We may share your information with:

  • Lending partners or financial organisations where you request or consent to an introduction
  • Professional advisers (e.g., lawyers, compliance consultants) where appropriate
  • Service providers (e.g., secure hosting, email services)
  • Regulators or authorities where legally required

We do not share data with third-party marketers.

6. Data Storage and Security

We use appropriate technical and organisational measures to protect your information, including:

  • Secure, encrypted communication
  • Restricted access controls
  • Secure hosting environments
  • Regular internal reviews
  • Data minimisation practices

Your data is stored only for as long as necessary to fulfil the purposes set out in this Policy.

7. International Transfers

If your data is transferred outside the UK (e.g., due to international service providers), we ensure adequate safeguards such as UK-approved Standard Contractual Clauses.

8. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data
  • Request correction of inaccurate information
  • Request deletion (“right to be forgotten”)
  • Restrict processing
  • Object to processing
  • Request data portability
  • Withdraw consent at any time

To exercise any of these rights, contact us at: contact@accretus.co.uk

9. Cookies

We currently do not use non-essential cookies.
If analytics, tracking or advertising technologies are introduced in future, this policy will be updated and a suitable cookie banner will be deployed.

10. Third-Party Links

Our website may contain links to external sites.
We do not control or endorse their content, and are not responsible for their privacy practices.

11. Changes to This Policy

We may update this Privacy Policy periodically.
Any changes will be posted on this page with the updated date.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your data, please contact us at contact@accretus.co.uk