Who we are

Garnet Finance Ltd is committed to protecting your personal data and being transparent about how we use it.

• Address: 16 Old Malt Way, Woking, Surrey, GU21 4QD

• Telephone: +44 (0) 7889 259 761

• Email: kevin@garnetfinance.co.uk

• Data Protection Contact: Kevin Stedmann

• ICO Registration Number: ZB209007

What information we collect

We collect personal information to help us provide finance-related services. This may include:

• Personal details such as name, address, date of birth and contact details

• Financial information including income, assets, liabilities and bank details

• Identification documents such as proof of identity and address

• Application details provided when applying for finance

• Communications including emails, letters and phone calls (which may be recorded)

• Website usage data such as IP address and browser type

How We Collect Personal Data

We collect personal data in the following ways:

•  Directly from you when you make enquiries, complete application forms, or communicate with us by telephone, email or in writing

• From third parties, including lenders, introducers, professional advisers, credit reference agencies, or publicly available sources, where necessary to provide our services

How and why we use your information

• Process and manage enquiries and applications

• Assess suitability and affordability

• Verify identity and prevent fraud or financial crime

• Communicate with you about our services

• Meet legal and regulatory obligations

• Improve our services and customer experience

• Contact you about products or services where permitted

 

Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including legal, regulatory, accounting and reporting requirements.

In most cases, personal data will be retained for a minimum of five (5) years after the end of our business relationship, unless a longer retention period is required by law or is otherwise justified.

Who we share your information with

• Lenders and finance providers

• Brokers, introducers and professional advisers

• Credit reference and fraud prevention agencies

• IT and business support providers

• Regulators or law enforcement where required by law

Your rights

• Access your personal data

• Correct inaccurate data

• Request deletion of your data in certain circumstances

• Restrict or object to processing

• Right to data portability

• Right to object to processing

• Rights related to automated decision-making and profiling

• Object to direct marketing at any time

Complaints

If you have concerns about how we handle your personal data, please contact us first. You also have the right to complain to the Information Commissioner’s Office (ICO).

Last updated: January 2026