Privacy Policy

Introduction

VRB Advisory Limited ("we", "us", "our", or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website vrbadvisory.com (the "Site") and use our services.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Site. By accessing and using the Site, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

When you submit a funding assessment request or contact us through our Site, we collect the following information:

• Full name and contact details (email address, phone number)
• Company name, industry, and trading history
• Funding requirements (amount, type, timeline)
• Financial information (turnover, profitability, assets)
• Business structure and ownership details
• Any other information you voluntarily provide

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and browsing behaviour:

• IP address and device identifiers
• Browser type and version
• Pages visited and time spent on each page
• Referral source and exit pages
• Device type (desktop, mobile, tablet)
• Operating system information

1.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Site. These include:

• Essential Cookies: Required for Site functionality and security
• Analytics Cookies: Help us understand how you use our Site
• Marketing Cookies: Used to track advertising effectiveness

You can control cookie preferences through your browser settings. However, disabling certain cookies may impact Site functionality.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process and respond to your funding assessment requests
• To communicate with you about our services and updates
• To personalise your experience on our Site
• To analyse Site usage and improve our services
• To comply with legal and regulatory obligations
• To prevent fraud and enhance security
• To send marketing communications (with your consent)
• To conduct credit and affordability assessments

3. Legal Basis for Processing

Under UK GDPR and Data Protection Act 2018, we process your personal data based on:

• Contractual Necessity: To provide funding assessment services you request
• Legitimate Interests: To improve our services and prevent fraud
• Legal Obligation: To comply with financial regulations and anti-money laundering laws
• Consent: For marketing communications and optional analytics

4. How We Share Your Information

We may share your information with:

• Lenders and Credit Providers: To assess your funding eligibility
• Service Providers: Payment processors, email services, hosting providers
• Professional Advisors: Accountants, solicitors, and compliance consultants
• Regulatory Bodies: When required by law or regulation
• Business Partners: With your explicit consent only

We do not sell your personal data to third parties for marketing purposes.

5. Data Security

We implement comprehensive security measures to protect your personal data:

• SSL/TLS encryption for data transmission
• Secure password protection and authentication
• Regular security audits and penetration testing
• Access controls and role-based permissions
• Secure data storage with encryption at rest
• Employee training on data protection and security

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Data Rights

Under UK GDPR, you have the following rights:

• Right of Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate information
• Right to Erasure: Request deletion of your data ("right to be forgotten")
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Opt-out of marketing communications
• Right to Lodge a Complaint: Contact the ICO (Information Commissioner's Office)

To exercise any of these rights, please contact us at [email protected] with your request.

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations:

• Assessment Requests: Retained for 6 years (financial regulation requirement)
• Marketing Communications: Until you unsubscribe
• Website Analytics: Aggregated data retained for 24 months
• Cookies: Session cookies deleted when you close your browser; persistent cookies retained for up to 2 years

After the retention period, we securely delete or anonymise your data.

8. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our Site is not intended for children under 18 years of age. We do not knowingly collect personal data from children. If we become aware that we have collected data from a child, we will delete it immediately.

10. International Data Transfers

Your personal data is primarily stored and processed in the United Kingdom. If we transfer data internationally, we ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs) or adequacy decisions.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our Site and updating the "Last updated" date. Your continued use of the Site after changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):