This privacy policy explains how Snowbird Finance Ltd (and its trading styles of Treatment Finance and EsiPay) use any personal information we collect about you when you use this platform and how we protect that information.
We are Snowbird Finance Ltd, Company number 06346206 and our registered office address is 88 North Street, Hornchurch RM11 1SR. We are authorised and regulated by the Financial Conduct Authority (FRN 661943).
We are committed to ensuring that your privacy is protected. Where we hold and use personal information from which you can be identified, then you can be assured that it will only be used in accordance with this privacy statement and the data protection rules.
What information do we collect about you?
We collect the following information about you:
- Name
- Financial and Employment information
- Contact information including email address, postal address, telephone number
- Date of birth
- Other information to process your request
Why we collect that information
We use the data and information you provide for the following reasons:
- To request credit from one of our panel of lenders that has been made available through a merchant
- To respond to enquiries
- To aggregate data that we can then anonymise and analyse
- To fulfil any legal or regulatory requirements including exchanging information with other companies and organisations for the purposes of fraud and money laundering detection and credit risk. Personal data is not transmitted to third parties without your express consent
- To improve our products and services
Legal basis for using personal data
The legal basis on which we will use your information will differ depending on how it is provided to us. We may also use the information to comply with our regulatory requirements. Generally, the legal basis will be to perform the contract we have with you to seek credit options for you or on the basis of our legitimate interests.
Necessary for the performance of a contract and to comply with our legal obligations
We will process your personal data in order to:
- Process your application to register
- Provide you with credit options and administer any credit facilities which you enter into through the platform
- Carry out the services you request of us
If you choose not to give some or all of the aforementioned information to us, this may affect our ability to provide our service to you.
In certain circumstances, we also use your personal data only to the extent required in order to enable us to comply with our legal obligations, including to detect, investigate and prevent fraud.
Necessary for the performance of a contract and to comply with our legal obligations
It is sometimes necessary to collect and use your personal data for the purposes of our legitimate interests as a business, which are to:
- Administer the platform, including troubleshooting, data analysis, testing, research, technical support, security, maintenance, statistical and survey purposes, activity verification
- Deal with your queries, complaints or concerns
- Notify you about changes to this Privacy Policy
- Ensuring the platform remains safe and secure
Where we think there is a risk that one of your interests or fundamental rights and freedoms may be affected, we will not process your personal data unless there is another legal ground for us to do so (either that we have obtained your consent to the processing or it is necessary for us to perform our contract with you or to comply with our legal obligations).
Use of your data for credit applications
Where you require we seek funding for you we will pass information to third party finance providers as part of an application for credit. See below for our panel of lenders and their respective privacy policies:
Abound – Privacy Notice | Abound
Humm – Privacy Policy | Humm UK
Novuna – Privacy Policy | Novuna
Payment Assist – Privacy Policy – Payment Assist
Zopa – Zopa Privacy Notice – Zopa
As part of your application, your personal information may be supplied to credit reference agencies (CRAs) and they will give the lenders information about you, such as about your financial history. This is to assess your creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and to prevent criminal activity. When CRAs receive a search, they will place a footprint on your credit file that may be seen by other lenders.
Your lender may also continue to exchange information about you with CRAs on an on-going basis if you take out a credit arrangement, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.
The identities of the CRSs and the ways in which they use and share personal information, are explained more in detail by the CRAs. The CRAs we use most frequently are Experian, Equifax and TransUnion. The details may be found at:
https://www.experian.co.uk/crain,
https://www.equifax.co.uk/crain or
https://www.transunion.co.uk/crain
Your rights
You have the following rights regarding your personal data:
| Rights | What does this mean? |
| 1. Rights to be informed | You have the right to be provided with clear, transparent and easily understandable information about how we use your personal data and your rights. This is why we are providing you with the information in this Privacy Policy. |
| 2. Right of access | You have the right to obtain access to your personal data (if we are processing it) and certain other information (similar to that provided in this Privacy Policy). This is so you are aware and can check that we are using your personal data in accordance with data protection law. |
| 3. Right to rectification | You are entitled to have your personal data corrected if it is inaccurate or incomplete. |
| 4. Right to erasure | This is also known as ‘the right to be forgotten’ and, in simple terms, enable you to request the deletion or removal of your personal data where there is no compelling reason for us to keep using it. This is not a general right to erasure; there are exceptions. |
| 5. Right to restrict processing | You have the right to ‘block’ or supress further use of your personal data in certain circumstances. When processing is restricted, we can still store your personal data, but may not use it further. |
| 6. Right of data portability | You have the right to obtain and reuse your personal data in a structured, commonly used and machine-readable format in certain circumstances. In addition, where certain conditions apply, you have the right to have such information transferred directly to a third party. |
| 7. Right to object to processing | You have the right to object to us processing your personal data for our legitimate business interests or for direct marketing purposes (including in each case any related profiling). |
| 8. Right to withdraw consent to processing | If you have given your consent to us to process your personal data for a particular purpose, you have the right to withdraw your consent at any time (although if you do so, it does not mean that any processing of your personal data up to that point is unlawful). |
| 9. Right to make a complaint to the data protection authorities | You have the right to make a complaint to the Information Commissioner’s Office (ICO) if you are unhappy with how we have handled your personal data or believe our processing of your personal data does not comply with data protection law. |
Controlling your personal information
You may choose to restrict the collection or use of your personal information. To do this, just let us know at any time by writing to or emailing us at info@snowbirdfinance.co.uk
Access to your information and correction
You have the right to request a copy of the information that we hold about you. You may also request that we erase, rectify or limit the processing of your data. If you would like a copy of some or all of your personal information or to request that we erase, rectify of limit processing, please email info@snowbirdfinance.co.uk or write to us at:
Snowbird Finance Ltd
5 Park Court, 1-3 Pyrford Road,
West Byfleet, Surrey,
KT14 6SD
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.
You also have the right to complain to the Information Commissioners Office. Please visit www.ico.org.uk for more information
Security and third-party use
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online, from time to time we may also record phone calls.
We do provide your data to third parties to process it for us. These third parties enter into agreements with us to ensure that the process your data in accordance with our requirements to meet this policy. The third parties include our IT suppliers and suppliers who provide services to us.
International transfers
We may transfer your personal data outside of the UK and EEA. Whenever we transfer your personal data out of the UK and EEA we ensure that a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
- We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data in accordance with the UK GDPR.
- Where we use certain service providers, we may use specific contracts approved in accordance with the UK GDPR.
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK or EEA.
How long we store data about you
We will store your personal data only for as long as necessary to fulfil the purposes described in this policy.
To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the information we hold, and the potential risk of harm from unauthorised use or disclosure of your personal data.
Please note that where your information is shared with third parties, those parties may have different retention policies.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Changes to our Privacy Policy
We keep our privacy policy under regular review, and we will place any updates on this web page. This privacy policy was last updated on 1st July 2026.
How to contact us
Please contact us if you have any questions about our privacy policy or information we hold about you:
- By email: info@snowbirdfinance.co.uk
- Write to: Snowbird Finance, 5 Park Court, 1-3 Pyrford Road, West Byfleet, Surrey, KT14 6SD