Quick Biz Loans

Quick Biz Loans Privacy Notice

Effective date: January 2025

This Privacy Notice explains how CRUZ LICCARDO STUDIO LTD ("we", "us") collects and uses personal data when operating our Quick Biz Loans brand's corporate‑only lead generation service for business finance. We introduce enquiries from UK‑registered Limited Companies and LLPs only to selected FCA‑authorised lenders/brokers. We do not serve sole traders or ordinary (unincorporated) partnerships.

1) Who we are (Data Controller)

  • Controller: CRUZ LICCARDO STUDIO LTD (company no. 17413616) operating the Quick Biz Loans brand
  • Registered address: 167-169 Great Portland Street, London, W1W 5PF, UK
  • Privacy contact: privacy@quickbizloans.co.uk

Note: If you contact us about your data, please include your company name, your name, and a contact email so we can identify your record.

2) What we do

We operate a website that collects corporate enquiries for working‑capital and related business finance and securely passes them to FCA‑authorised lenders/brokers for assessment. We are not a lender and not authorised by the FCA to carry on regulated consumer‑credit activities. We work exclusively with incorporated businesses (Ltd/LLP).

3) Personal data we collect

We aim to collect the minimum necessary. Before eligibility is confirmed (Ltd/LLP gate), we do not collect personal identifiers.

If your business is Ltd/LLP and passes the gate, we collect:

  • Company identity: Registered company name; (optional) Companies House number; trading name (if different)
  • Contact details: Work contact name; work email
  • Funding details: Requested loan amount; high‑level requirements (e.g., purpose, timing)
  • Technical data: Timestamps, IP address and user agent (security/fraud logs)

Sole traders and unincorporated partnerships

Our service is not for sole traders or ordinary partnerships. If such data is submitted in error, we erase it promptly and do not forward it to any lender/broker.

4) Why we use your data (purposes) and lawful bases

We match each purpose to a lawful basis under UK GDPR. We do not rely on consent for core lead‑gen processing.

Qualify and pass your enquiry to FCA‑authorised partners (you asked us to do this): Legitimate interests (operate a corporate‑only introduction service and obtain offers for your company)

Customer support and enquiry management: Legitimate interests / Contract (steps taken at your request prior to contracts with lenders)

Security and fraud prevention (logs, rate‑limiting): Legitimate interests

B2B direct marketing to corporate contacts (limited and relevant): Legitimate interests. You can opt out at any time. We identify ourselves and provide an easy unsubscribe.

Legal, tax and compliance record‑keeping: Legal obligation (where applicable)

Note: Where we rely on legitimate interests, we balance our interests against your rights and expectations. You can object at any time (see "Your rights").

5) Who we share data with

We share only what is necessary for the stated purposes:

  • FCA‑authorised lenders/brokers (independent controllers) to assess and, if suitable, offer finance. On request we can provide the names and FRNs of partners we have shared your enquiry with.
  • Service providers (processors) who help us run our site and operations (e.g., hosting, email delivery, CRM/helpdesk, security/logging). They act on our instructions under data‑processing agreements.
  • Professional advisers and authorities where required by law.

We do not sell personal data.

6) International transfers

Some processors may store data outside the UK/EEA. Where this occurs, we use appropriate safeguards (e.g., the UK International Data Transfer Agreement or Standard Contractual Clauses) and additional measures where necessary. Details are available on request.

7) Cookies and similar technologies

Before eligibility (Ltd/LLP gate): we do not set analytics/marketing cookies or load tracking tags. Only essential functionality is used.

After eligibility is confirmed (Ltd/LLP): we may load analytics with appropriate controls. You can manage non‑essential cookies via our cookie banner/preferences.

Email/SMS marketing: for corporate subscribers (e.g., work email at a Ltd/LLP), prior consent is not required under PECR, but we always include our identity and a simple opt‑out. We do not send electronic marketing to individual subscribers without valid consent.

See our separate Cookie Policy for details of cookie categories, providers and retention (add link when available).

8) How long we keep your data (retention)

We retain data only as long as needed for the purposes above or to meet legal requirements, then delete or anonymise it.

Enquiry records (Ltd/LLP):24 months from last interaction
Suppression (opt‑out) lists:kept to honour opt‑outs
Security logs (IP/timestamps):12 months
Backups:deleted on a rolling 90 day cycle

If you ask us to delete your data, we will do so unless we must keep it for legal reasons.

9) Your rights

Subject to exemptions, you have the right to:

Access your personal data

Rectify inaccurate data

Erase data (right to be forgotten)

Restrict processing

Object to processing (including to direct marketing)

Portability (receive your data in a structured, machine‑readable format, where applicable)

To exercise your rights, email privacy@quickbizloans.co.uk. We will respond within one month. We may need to verify your identity and your relationship to the company.

Right to complain

If you are unhappy with our response, you can complain to the Information Commissioner's Office (ICO): Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF; 0303 123 1113; ico.org.uk.

10) Security

We use appropriate technical and organisational measures to protect personal data (e.g., encryption in transit, access controls, least‑privilege, monitoring/logging, secure development practices). No system is 100% secure, but we regularly review and improve our controls.

11) Children

Our service is intended for businesses and is not directed to children.

12) Regulatory status (important)

  • CRUZ LICCARDO STUDIO LTD (operating the Quick Biz Loans brand) is not authorised by the FCA to carry on regulated consumer‑credit activities and does not arrange or introduce consumer credit for sole traders or ordinary partnerships.
  • We operate exclusively with incorporated businesses (Ltd/LLP). All partner lenders/brokers are FCA‑authorised.

13) Changes to this notice

We may update this notice from time to time. Significant changes will be highlighted on this page. Please check back periodically.

14) Contact us

Email: privacy@quickbizloans.co.uk

Postal: Privacy Team, CRUZ LICCARDO STUDIO LTD, 167-169 Great Portland Street, London, W1W 5PF, UK

Quick summary (for convenience only)

  • Scope: Corporate enquiries only (Ltd/LLP). Sole‑trader/partnership data is deleted if received in error.
  • Purpose: Introduce your company's enquiry to FCA‑authorised partners; provide support; prevent fraud; limited B2B marketing with opt‑out.
  • Lawful bases: Legitimate interests; legal obligation (where applicable).
  • Sharing: FCA‑authorised partners; processors under contract; authorities as required.
  • Retention: Enquiries 24 months; logs 12 months; opt‑out list retained.
  • Rights: Access, rectify, erase, restrict, object (including marketing), portability; complain to the ICO.