Who We Are
12s Finance is an invoice finance brokerage that connects businesses with trusted lenders to provide tailored funding solutions, namely invoice finance (which includes Invoice Factoring and Invoice Discounting). We act as an intermediary to help businesses find the right lender based on their financial needs.

Our contact details:
Company Name: 12s Finance
Email: hello@12sfinance.co.uk
Website: www.12sfinance.co.uk
 
What Information We Collect
We collect information when you visit our website, complete forms or interact with us in any way. The types of personal information we collect include, but are not limited to:
 
Personal Information:
 

• Contact details: Your name, business name, email address, postal address, and phone number.

• Business information: Details about your business, including business type, industry, and turnover.

• Funding-related information: Information provided for the purpose of enquiring about invoice finance, such as your average monthly invoice value, cashflow challenges, and funding preferences.
   

Automatically Collected Information;
 

• Technical information: IP address, browser type, operating system, device type, and other technical details about how you access our website.

• Usage data: Pages visited, actions taken on our website, clickstream data, and search queries.
   

Sensitive Information:
 
In some cases, you may provide sensitive financial information. We will only collect sensitive data where necessary for the purpose of providing our services and will handle it with the utmost care and confidentiality.
 
How We Collect Your Information
We collect information in the following ways:
 

• Directly from you: When you fill out a form, or contact us via email, phone, or other methods.

• Automatically: Through cookies, web beacons, and other tracking technologies on our website.
   

Why We Collect Your Information
We use your personal information for the following purposes:
 

• To connect you with lenders: We use the information you provide to match you with the right invoice finance provider based on your needs.

• To communicate with you: To respond to enquiries, provide updates about your application, and send information about services you may find useful.

• To improve our website and services: We use data to analyze trends, personalize your experience, and enhance our service offerings.

• To meet legal and regulatory obligations: We collect and process data to comply with financial regulations, anti-money laundering laws, and other legal requirements.

How We Use Cookies and Other Tracking Technologies

What Are Cookies?
Cookies are small files stored on your device when you visit our website. They allow us to recognize you on subsequent visits and improve your user experience.

Types of Cookies We Use

• Essential Cookies: These are necessary for the basic functionality of the website (e.g., enabling navigation or accessing secure areas of the site).

• Performance Cookies: These track how visitors interact with our website, allowing us to analyze and improve site performance.

• Targeting/Advertising Cookies: These cookies track your behaviour across different websites to serve you personalized ads.

How You Can Control Cookies
Most browsers accept cookies automatically, but you can change your settings to block or delete cookies. Please note that disabling cookies may affect your ability to use certain features of our website.

How We Share Your Information

We respect your privacy and will only share your information in the following circumstances:

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• With trusted lenders: In order to connect you with invoice finance providers, we share your information with lenders from our trusted panel who may offer financing solutions tailored to your business needs.

• With service providers: We may share your data with third-party companies who assist us in delivering our services (e.g., IT support, payment processing).

• For legal compliance: We may disclose your information if required by law, in response to a legal request, or to protect the rights, property, and safety of 12s Finance or others.

How We Protect Your Information
We implement reasonable security measures to protect your personal and business information, including encryption, firewalls, secure servers, and access controls. However, while we strive to protect your information, no data transmission over the internet is 100% secure. By using our website and services, you acknowledge the inherent risks of online data transmission.

Your Rights Over Your Information

You have the right to:

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• Access: Request a copy of the personal information we hold about you.

• Correct: Request corrections to any inaccuracies in your data.

• Delete: Request the deletion of your personal information, subject to legal requirements.

• Opt-out of marketing: You can unsubscribe from marketing communications at any time by clicking the "unsubscribe" link in our emails or contacting us directly at hello@12sfinance.co.uk.

To exercise any of your rights, please contact us at hello@12sfinance.co.uk.

Data Retention
We retain your information only for as long as necessary to fulfil the purposes outlined in this policy and to comply with legal obligations. Once no longer needed, we will securely delete or anonymize your data.

Third-Party Links
Our website may contain links to third-party websites. Please note that we are not responsible for the privacy practices or content of those sites. We encourage you to read their privacy policies before sharing any personal information.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website, and the updated policy will be effective as of the date of posting.

Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your data, please contact us at:
12s Finance
Email: hello@12sfinance.co.uk

By accessing or using our website or services, you agree to the terms outlined in this Privacy & Cookie Policy. We encourage you to read this policy carefully, as it explains your rights and choices regarding your information.