COMPLIANCE RESOURCES
Fair Treatment & Compliance
Loan Intel is designed to protect every participant in the lending process. Lenders, borrowers, and the market itself.
Every feature on the platform is built with regulatory compliance, data protection, and fair treatment at its core.
FCA Treating Customers Fairly
The FCA's TCF framework requires firms to deliver fair outcomes for consumers at every stage of the product lifecycle. Loan Intel is built to support these outcomes for every lender on the platform.
TCF Outcome 1
Culture
The platform enforces consistent, auditable decision-making. Every action is logged. Every decline follows a structured process. There is no room for inconsistent or ad-hoc treatment of borrowers.
TCF Outcome 3
Clear Information
Decline reasons are categorised and documented. Borrowers receive clear, specific reasons for any adverse decision. No free-text rejections. No ambiguous outcomes.
TCF Outcome 5
Products Perform as Expected
Ongoing monitoring ensures facilities perform as expected. Covenant breaches, payment issues, and corporate changes are flagged early so lenders can act before problems escalate.
TCF Outcome 6
No Unreasonable Barriers
The platform creates no unreasonable barriers to borrowers. Decline data is anonymised and never used to blacklist borrowers across the network. Past declines do not follow a borrower from one lender to another.
Every decline is FCA-compliant
Every decline recorded on the platform uses FCA-compliant categorised reasons. No free-text rejections. No ambiguous outcomes. Every borrower receives a clear, documented reason.
Confidentiality & Ring-Fencing
Loan Intel is not a data-sharing platform. It is a confidential intelligence system where every participant's identity and data are fully protected.
Lender anonymity
No lender knows who else is on the platform. Your membership is confidential.
Full data ring-fencing
Data is fully ring-fenced per lender account. Your loan book, decisions, and borrower records are yours alone.
Anonymised cross-lender signals
Cross-lender signals are anonymised. You see that a borrower has issues. You never see which lender reported them.
Sector whistleblower
The platform acts as a whistleblower for the sector, not as a data-sharing arrangement between competitors. Intelligence is surfaced. Sources are never disclosed.
Complete participant isolation
Your membership, your data, and your lending decisions are never visible to any other participant on the platform.
NDA & Terms of Business
All users are bound by confidentiality obligations as part of registration. Terms of Business govern all platform interactions and are designed for institutional compliance review.
NDA by Default
All users are bound by NDA as part of registration. Confidentiality obligations cover all platform data, the existence of other participants, and any intelligence derived from the network. These obligations survive account termination.
Terms of Business
Terms of Business govern all platform interactions including data access, permitted use, intellectual property, liability, and dispute resolution. All terms are designed for institutional review and comply with UK contract law.
Compliance Documents
Terms & Conditions
Full terms governing platform usage
Privacy Policy
How we collect, process, and protect personal data
Data Processing Agreement
Controller and processor obligations under UK GDPR
Acceptable Use Policy
Permitted and prohibited platform usage
Data Governance Framework
Data classification, retention, and access controls
All documents are available for your compliance team to review before registration. We encourage you to share these with your legal and compliance departments.
GDPR & Data Protection
Data protection is not an afterthought. It is the foundation the platform is built on. Every architectural decision prioritises the security and privacy of your data.
UK GDPR Compliant
Full compliance with the UK General Data Protection Regulation. All processing activities are documented and lawful.
Data Protection Act 2018
Compliant with the Data Protection Act 2018, the UK's implementation of GDPR including law enforcement and intelligence services provisions.
Lawful Basis
Processing relies on legitimate interest (B2B commercial intelligence) and contract performance. No consent-based processing of personal data for marketing purposes.
Data Minimisation
Each role accesses only the data it needs. Lenders see lending data. Investors see acquisition data. No cross-role leakage.
Right to Erasure
Full GDPR Article 17 support. One-click data deletion on request. Your data is removed within 30 days of a valid erasure request.
UK Data Residency
All data stored on UK-based servers. No transfers outside the UK or EEA. Your lending data never leaves the jurisdiction.
Data Retention
Retention periods are configurable per account. Automated purge runs on schedule expiry. Default retention is aligned with FCA record-keeping requirements.
Audit logs are retained for 12 months. Financial data retention follows your organisation's configured policy.
ICO Registration
TP Commercial Finance Ltd is registered with the Information Commissioner's Office as a data controller and processor.
Our registration covers the processing of personal data for the purposes of commercial lending intelligence, due diligence, and portfolio monitoring.
Frequently Asked Questions
Common questions from compliance teams, legal departments, and data protection officers.
Only you. Your loan book, borrower data, and lending decisions are never visible to any other lender on the platform. Data is ring-fenced at the account level with row-level isolation in the database.
No. No lender knows which other lenders use the platform. Cross-lender signals are fully anonymised. There is no directory, no member list, and no way for one lender to discover another's presence.
Every decline uses FCA TCF-compliant categorised reasons. Decline data is anonymised in the network. Borrowers are never blacklisted. A decline recorded by one lender does not prevent another lender from approving the same borrower.
Your data is deleted within 30 days of request. Anonymised aggregate data that has already been contributed is retained as it cannot be attributed back to you. You can request a full data export before deletion.
Yes. All users are bound by confidentiality obligations through the Terms & Conditions. These are enforceable and cover all platform data, including the existence of other participants and any intelligence derived from the network.
Absolutely. All compliance documentation is designed to be shared with your legal and compliance departments before and after registration. We encourage pre-registration review.
SPVs are corporate entities, not individuals. PSC (Person of Significant Control) data is never disclosed to other platform users. All borrower screening uses publicly available corporate data from Companies House and regulated credit agencies.
Every action on the platform is logged with timestamp, user, action type, and IP address. Audit logs are retained for 12 months and available on request. Enterprise customers can access real-time audit feeds via the API.
Ready to review?
Share this page with your compliance team. All documentation is available for review before registration. If you have questions, our team is available to support the approval process.