Last updated: April 2025
We respect the privacy of our customers, partners, and website visitors and keep your data secure. This Privacy Policy explains how we handle your personal data when you use our website, call us, or engage with our finance and lending services. See our separate Cookies Policy for details on tracking technologies.
Guavas Finance Ltd (“we”, “us”, “our”, or just “Guavas”), registered in England and Wales with registration number 14987379 at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, is the data controller for your personal data when you use our services. This means we’re responsible for protecting your privacy. We’re registered with the UK’s Information Commissioner’s Office (ICO) under number ZB572312.
Guavas complies with the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018 to protect your rights, using secure systems and clear policies.
You have rights over your data, including revoking consent and objecting to direct marketing at any time. Reach us to exercise your data rights or ask questions. We aim to respond within 5 business days.
We collect and share your information with relevant providers (“Suppliers”), such as lenders, to help you get quotes, information, or appointments for a product or service (“Product”) you’re interested in.
Our writers create useful Product reviews, articles, and newsletters to help you make informed decisions about Products you wish to enquire about, purchase, or trial. We may use your email to send newsletters, with your consent, which you can revoke at any time.
We aim to help you make easier buying decisions by quickly connecting you with Suppliers, at the click of a button. Our services are obligation-free, so whether or not you go on to purchase or trial a Product, book an appointment, or sign up for any Offer, the decision is entirely yours.
Unless you’re just browsing our site to learn about a Product or Offer (in which case, please read on) our services generally rely on you submitting information through a web form (e.g., your name, phone number, or Product interests). If you submit a form, we’ll work to connect you with one or more relevant Suppliers.
When you submit our web form, we share the details you provided like your name, contact information, and Product requirements with relevant Suppliers. They may contact you directly by phone, email, or SMS based on your request, after we’ve confirmed your consent where needed. For some Products, we might call you first to verify your details or book an appointment if requested. Our website may also give you the option to click out directly to a Supplier’s website or to call the Supplier directly.
Guavas Finance Ltd uses your personal data only for the purposes it was collected, such as connecting you with Suppliers. If we consider using it for a compatible purpose (e.g., improving our services), we’ll notify you by email and explain our reasoning. We may also process your data without your knowledge if required by law (e.g., for fraud prevention). To find out more about the reasoning behind any decision we have made to process your data for a new purpose, please get in touch.
We may email, WhatsApp, or SMS you about other Products and Offers that might interest you, but you can opt out of all marketing messages at any time. To opt out, click the unsubscribe link in any email, reply “STOP” to any WhatsApp or SMS message, or email us at info@guavas.co.uk. You may receive marketing communications from us if you have:
Please note that by submitting any form to us, you are providing us with explicit consent to send you marketing communications. You can opt-out of these communications at any time. Please note that if you opt out of receiving marketing communications from us, we may still retain your data as it relates to the provision or purchase of a product and/or service, legal records, or transactions.
We will always ask for your consent before we share your personal data with any third parties.
When you visit our site, we may ask via a pop-up to send you browser notifications (e.g., at the end of a web form). If you allow these notifications, you may receive regular messages from us about great offers, top tips, popular guides and more information about each Supplier. All our messages give you the option to unsubscribe by clicking on the notification settings and selecting ‘Disable Notifications’.
If you visit our website and use our services, we may collect certain information about you. We want you to understand:
The tables below explain this in more detail.
Contact details include, for example, your name, email Address, mobile number and postal code.
| How we collect it | Why we collect it | Lawful Basis |
| When you click to submit our webforms. When you submit your details via a pop-up box on our website). If we call you after your submission. If we send you a SMS or WhatsApp message. | Products & OffersTo connect you with relevant Suppliers.To confirm your details or requirements.To book an appointment.To email, WhatsApp or SMS message you with more information about the Products that you have shown an interest in. | Consent – By submitting our webform, you consent to be contacted by us and/or relevant Suppliers regarding your request via webform.You may revoke your consent at any time. |
| Similar Products & OffersTo email or SMS message you about similar Products. | Consent – You may revoke your consent at any time. You also have the right to object to direct marketing. | |
| Automated decision-makingBefore we pass your request to any Suppliers, our service may involve an element of automated decision-making.Our technology platform may automatically assess your Product requirements and pass your request to such Suppliers that would like to receive requests at the time your request is made. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| VerificationTo verify that your submission is genuine (i.e. submitted by a real human). We may work with 3rd parties to carry out the verification. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Customer ServicesTo request feedback about your experience using our website and services, and dealing with the Suppliers with which we connected you.To respond to other enquiries or requests that you direct to us. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| MarketingTo create custom or look-alike audiences (see Section 4 for more detail).To identify customer trends in order to better understand which of our customers are engaging with our services. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Data EnrichmentTo enhance our understanding of the services you require, we may match certain business-related data that you provide us with the corresponding data held by third parties.Those third parties may share additional data with us to improve how we engage with you and carry out segmentation of our customers. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| If you partially fill out our webform but do not submit it. | Products & OffersTo email you to see if you’re still interested in the Product or Offer. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you create an account. | Managing your accountTo create and manage your account. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you sign up to our events, awards, competitions, prize draws or surveys. | EventsIf you enter an event or award, to run the event or award and contact you in respect of the same where you have submitted an application (e.g. to send out event details). Competitions & Prize DrawsIf you enter a competition or prize draw on our website, to run the competition or prize draw, or contact you regarding your entry.Where we are running a competition or prize draw jointly with another party, or promoting one on behalf of another party, we may share your entry details with that party, but only for the purposes of managing the competition or prize draw. SurveysTo analyse survey results. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you join our mailing lists to receive newsletters, guides, whitepapers, e-books, promotions, etc., as advertised on our website. | Mailing ListsTo send you such content.If you have consented to receiving emails from named third-parties, we will pass your email address to those parties so they can email you. We may also send you emails on behalf of such third parties. | Consent – You may revoke your consent at any time. |
| When you post reviews or comments on our website. | Reviews & CommentsTo publish or respond to reviews and comments left on our website. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
Sensitive data refers to (but is not limited to) information about your race or ethnic background, religious or political affiliations, trade union affiliations, sexual orientation, criminal background, or health background. We will not request and do not aim to collect any sensitive data about you. We do not aim to collect the information of children and cannot provide services to children.
This information includes user agent, IP address, country, language, and browser/app used and data related to your IP address like online identifiers, geolocation, and device specification. We may use third-party device data collection tools and similar tracking technologies (that sit behind our ads and website) to collect such data.
An IP address is a unique number associated with a computer or device, which enables it to communicate with other computers and devices over the Internet.
| How we collect it | Why we collect it | Lawful Basis |
| When you click on our ads (e.g. on Google, Facebook, TikTok, etc). When you interact with our website by clicking on any links. When you click to submit a web form. When you click on links in emails, WhatsApp or SMS messages we send you. | VerificationTo stop unwanted traffic (i.e. spam and fraudulent visitors) to our website.To verify with our Suppliers that a request has been submitted by you and not by someone else.To verify with our Suppliers that you have consented to being contacted by us and them.To verify that your request has come from a particular country, state, or region.To identify if you have submitted a duplicate request.To identify that your request has originated from our website. MarketingTo personalise ads to suit you based on your location. We may use a third party to assist us with identifying the IP address location parameters. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| If you interact with our ads on one of our advertising partners’ platforms (e.g. Facebook, TikTok, and LinkedIn). If you message us via WhatsApp. If you fill out one of our web forms on our website. | For marketing attribution purposes (i.e. to better understand how you interact with our content and track the relevance of our marketing campaigns to your interests).For measuring and reporting on the performance of our ad campaigns.For ad targeting (but only if you haven’t opted out). | Legitimate interests – You have the right to object to processing based on legitimate interests. |
Please be aware that sensitive personal data may be recorded when you voluntarily disclose health information to us over the phone.
| How we collect it | Why we collect it | Lawful Basis |
| If we call you after you contact us or submit a form to confirm your details and Product requirements. If we call you after you have used our service to ask for service feedback. | We digitally monitor and/or record calls between you and us for the purposes of quality control and staff training.Occasionally, we may need to provide Suppliers with limited access to such recordings in order to resolve disputes. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
This “Disposition Data” includes information on whether you have purchased a product or signed up to an offer with one of our Suppliers.
| How we collect it | Why we collect it | Lawful Basis |
| We may receive data (including health data) from our Suppliers. | To handle a Supplier query regarding a request sent to them or an enquiry that we have sent to them in order to enable us to resolve the query. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| To enable us to improve our marketing.To identify customer trends in order to better understand which of our customers are engaging with our services. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| To create custom or look-alike audiences. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
We want you to feel confident trusting us with your information. Guavas Finance Ltd has implemented a series of security measures to ensure that your personal data is protected from accidental loss, unauthorised access, alteration, or disclosure. We take this seriously and limit access to your data to only those employees, agents, contractors, or other third parties (like IT service providers) who have a legitimate reason to access it, such as delivering our services or supporting our systems. These individuals or organisations only process or access your personal data on our explicit instructions and are subject to a duty of confidentiality.
To keep your data safe, we’ve put in place a number of technical and organisational measures, including:
This list isn’t exhaustive and may change as technology or risks evolve, but we’re committed to keeping your data secure. If a data breach happens that could affect your rights or privacy, we’ll notify you and the UK’s Information Commissioner’s Office (ICO) as required by law, typically within 72 hours of finding out.
In providing our services to you, and to ensure that we are able to provide you with a good customer experience, we may share your data with third parties.
We work with the following categories of third parties:
In each case, we have appropriate contracts in place with these companies and Suppliers to ensure the protection and confidentiality of your information.
Guavas Finance Ltd may be required to share your personal data with carefully selected third parties for the identified processing purposes. These third parties may include:
All third parties to which we transfer data are required to respect your personal data, keep it secure and process it only for the specified purposes for which it has been collected. Third parties will only ever receive or process your data with our explicit permission.
We like to work with Facebook, Google, LinkedIn, Instagram, TikTok and other platforms (“Platforms”) to reach out to you with adverts for other Products that you might be interested in. We also like to use Platforms to reach out to other people who might like to use our service.
We do this in two ways. In both cases, your information, along with other information, is used to create a custom audience and/or a lookalike audience. Whenever an audience is shared with a Platform, the data is first hashed and pseudonymised, meaning that any data within the audience that could identify a person is replaced with an artificial identifier. So, the process is secure. Also, we don’t share more data than we need to for the purpose of creating the audience.
On occasion, we may pass calls to local police enforcement when necessary under the lawful basis of protecting the vital interests (e.g. the life or safety) of the individual involved.
When we contact you via WhatsApp, the platform may collect personal information about you. By using the WhatsApp platform, users agree to WhatsApp’s privacy policy and the collection and processing of their data by WhatsApp.
According to research into the way WhatsApp processes personal information, the following information may be processed by WhatsApp:
Guavas Finance Ltd utilises WhatsApp as a platform to communicate with you (our customers and users of our service) about our service offering. We may reach out to you over WhatsApp after you have filled in one of our web forms or we have received your enquiry about one of our products (either directly or via a partner that is authorised to share such information with us).
We may collect information about you, if such information is provided by you to us via a WhatsApp message you send. The purpose of this is to aid us in providing the best service to you.
You may unsubscribe from receiving WhatsApp communications from us at any time, by letting us know on WhatsApp or via an email to info@guavas.co.uk. You can also unsubscribe by using the “Stop promotions” button on WhatsApp.
We collect and store your data in the UK to provide our services and meet legal requirements .Here’s how long we keep it and why:
We only keep your data for the purposes it was collected, as outlined in this Policy. If we need to hold it longer for legal reasons or a compatible purpose (e.g., improving our services), we’ll let you know by email. After it’s no longer needed, we’ll securely delete it.
There may be instances where we need to transfer your information outside the UK. For example, where you are using our services outside of the UK, we may need to transfer your information outside the UK.
As of 1 January 2021, the UK is no longer a part of the EEA. Although the UK is no longer part of the EEA, we will still hold your data to the same level of protection as we did when we were part of the EEA. This means that for any transfer of your data outside of the UK, we will continue to take steps to ensure that it is protected to the same level of protection that applies to transfers of data outside of the EEA.
Certain countries have a European Commission adequacy decision, which means they are considered to offer an adequate level of data protection and we will continue to only transfer data to those countries on this basis. If we plan to transfer personal data to outside the EU, we must specify why that transfer is necessary, where the data will be transferred and to whom it will be transferred.
Other countries do not have the same level of legal protection as countries in the EEA, or with an adequacy decision. If we do transfer your data in this way, we will take steps to ensure that it is protected to the same levels that apply in the EEA. This may include, for example, adopting the EU’s standard contractual clauses.
You have a number of data rights, based on the country you reside in. To exercise any of your data rights, you can contact us via the details set out in Section 9 of this Privacy Policy.
If you reside in the EEA or the UK, you have certain rights under the GDPR and UK GDPR in relation to your information. In relation to our website, and the service that we provide, those rights are as follows:
| Right to be informed | You have the right to be informed about how we collect and use your personal information, such as set out in this Policy. |
| Right of access | You have the right to ask us for a copy of the personal information we hold about you, and to check that we are lawfully processing it. |
| Right of rectification | If personal information that we hold about you is inaccurate or out-of-date and requires correction, you have a right to have the data rectified or completed. |
| Right of erasure | In certain circumstances, you have the right to request that personal information we hold about you is deleted (e.g. if the information is no longer necessary for the purposes for which it was collected or processed). |
| Right to restrict processing | In certain circumstances, you have the right to request the restriction or suppression of your personal information. |
| Right of data portability | In certain circumstances, you have the right to obtain (in a structured, commonly used and machine-readable format) and reuse your personal information for your own purposes across different services. |
| Right to object | You have the right to object to our processing of your personal information. This includes the right to object to direct marketing. |
| Right to withdraw consent | Where you may have provided your consent to our collection, processing, and transfer of your personal information (e.g. to Suppliers), you have the right to withdraw your consent at any time. |
Our site may, from time to time, contain links to and from the websites of third parties (such as, for example, our customers). If you follow a link to any of these websites, please note that these websites have their own terms of use and privacy and/or cookies policies, and that we do not accept any responsibility or liability for these terms or policies. Please check these terms and policies before you submit any personal information to these websites.
Guavas Finance Ltd respects your rights. We fully observe your right to access your personal data, to object to the processing of personal data, or to erase, restrict, rectify, or port your personal data. To exercise these rights, or if you have questions or comments about this Privacy Policy, contact us at:
Please include your name, contact details, and what you’re requesting (e.g., “I want to see my data”). We’ll respond within 1 month, as required by law, though we might need to verify your identity first.
Our lead supervisory authority for the processing set out in this Policy is the UK Information Commissioner’s Office (ICO). If you’re unhappy with how we’ve handled your data, please contact us first using the details above. If we can’t resolve your concern, you can complain to the ICO at:
This Policy is effective from the date specified at the top of this Policy and is our most up-to-date version, which supersedes any earlier version. From time to time, we may update this Policy. Any changes that we make to this Privacy Policy in the future will be posted on this page. We recommend that you re-visit this page from time to time to take notice of any changes to this Privacy Policy.
© 2026. Guavas Finance Ltd
© 2026. Guavas Finance Ltd
