Last Updated: 18 December 2025

1. Who We Are

SwiftPayments is a trading name of Access Pay Ltd (“we”, “us”, “our”).
Registered in England & Wales.
Registered office: [Insert address]
Company number: [Insert number]
Data Protection Officer (DPO): info@swiftpayments.uk

We are committed to protecting your privacy and handling your data in line with the UK GDPR, Data Protection Act 2018, and ICO guidelines.

2. What Personal Data We Collect

Information You Provide

• Name
• Email address
• Phone number
• Business details
• Service enquiries
• Documents submitted for funding or payments onboarding

Information Automatically Collected

• IP address
• Browser type & device
• Website usage data
• Cookie identifiers
• Traffic logs

Information From Third Parties

• Payment processing partners
• Lenders
• Waste collection providers
• Energy suppliers
• Credit reference agencies (soft checks only)

3. How We Use Your Data

• Provide card payment services
• Arrange business funding
• Provide commercial waste services
• Compare and arrange business energy contracts
• Respond to enquiries
• Perform anti-fraud & compliance checks
• Maintain website security
• Improve our services
• Send service updates and important notifications

We never sell your data.

4. Legal Basis for Processing

• Contractual necessity
• Legitimate interests
• Legal obligation
• Consent (marketing and cookies)

You may withdraw consent at any time.

5. How We Share Your Data

• Card payment providers
• FCA regulated lenders
• Waste collection partners
• Business energy suppliers
• IT and security providers
• Customer service software
• Legal and compliance services

All partners comply with UK GDPR requirements.

6. International Transfers

If data is transferred outside the UK, we ensure adequacy regulations or ICO-approved safeguards are in place.

7. Data Retention

• Service enquiries: up to 12 months
• Contractual data: 6 years
• Financial or compliance data: per FCA/AML guidelines

8. Your Rights

• Access your data
• Correct inaccurate data
• Request deletion
• Restrict processing
• Object to processing
• Data portability
• Withdraw consent

To exercise your rights, contact: info@swiftpayments.uk
You may also complain to the ICO: https://ico.org.uk/

9. How We Protect Your Data

• Encrypted data storage
• Secure servers
• Restricted system access
• Regular audits and monitoring

10. Contact Us

Email: info@swiftpayments.uk
Phone: [Insert phone number]
Address: [Insert address]