Privacy Policy

Who We Are

CVS Financial Planning Limited is a Commercial Finance Broker based in Edgbaston, Birmingham. We act as a broker for our customers, introducing them to suitable lenders and financial products. We are authorised and regulated by the Financial Conduct Authority (FCA), FRN 731155.

What Data We Collect

• Personal identification: name, email address, phone number, postal address, date of birth.
• Financial information: bank statements, tax records, credit information, financial statements, and other documents required for applications, compliance and due diligence.

How We Collect Your Data

• Directly from you when you contact us or apply for our services.
• Through supporting documentation you provide during an application.
• From third parties (e.g., credit reference/anti-fraud agencies) where necessary to assess applications and meet legal obligations.

How We Use Your Data

• Process and manage finance applications and respond to enquiries.
• Carry out affordability and credit assessments and make application decisions.
• Share information with selected banks/lenders to present suitable finance options (where appropriate and lawful).
• Prevent and detect fraud using credit reference and anti-fraud agencies.
• Meet legal, regulatory and reporting obligations.

Data Sharing

We may share your data with:

• Banks and lenders to source suitable financial products.
• Credit reference/anti-fraud agencies to verify information and prevent fraud.
• Regulators or law enforcement where required by law. We do not sell your personal data.

How We Store Your Data

• Secure storage on UK-based encrypted cloud servers.
• Retention of core records for a minimum of 6 years to satisfy FCA and legal requirements.
• Secure destruction after the retention period (digital file-shredding; physical shredding/crushing/incineration).

Your Data Protection Rights

• Access – request copies of your personal data.
• Rectification – correct inaccurate or incomplete data.
• Erasure – request deletion in certain circumstances.
• Restriction – request we limit processing.
• Object – object to certain processing.
• Portability – request transfer to another organisation or to you.

We respond to valid requests within one month. Use the contact details below.

Changes to This Policy

We keep our Privacy Policy under regular review. Updates will be posted here with a revised “last updated” date.

How to Contact Us

CVS Financial Planning Limited
6 Vicarage Road, Edgbaston, Birmingham, B15 3ES

• Email info@cvsfinancial.co.uk
• Phone +44 (0) 121 454 7500

How to Contact the Regulator

If you are unhappy with how we have used your data, you may contact the Information Commissioner’s Office (ICO):

Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113  |  ico.org.uk