Privacy Policy
24 September 2025
Introduction
TAL Marketing Group Ltd (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and store your information when you use our services, in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable laws. TAL Marketing Group Ltd is an appointed representative of Creative Finance Corp LTD (FRN 968428), which is authorised and regulated by the Financial Conduct Authority (FRN 702435).
Data Controller
TAL Marketing Group Ltd is the data controller responsible for your personal data.
Registered Address:
TAL Marketing Group Ltd T/A swoppa Work.Life, Brown Street, Manchester, M2 1DH
Contact Details:
- Email: hello@swoppa.co.uk
- Phone: 0161 706 1710
If you have any questions about this Privacy Policy or how we handle your personal data, please contact us using the details above.
What Data We Collect About You
We may collect, use, and store the following types of personal data:
- Basic Personal Data: Name, date of birth, address, email address, phone number.
- Financial Data: Lender details, product type, loan balance, and credit profile information (for credit search purposes)
- Analytical Data: Aggregated or statistical data used for internal reporting and service improvement.We do not collect special category data (such as health information, ethnicity, or religious beliefs)
How We Collect Your Data
We collect your personal data from the following sources:
- Direct Interactions: When you complete forms on our website, create an account, or contact us directly.
- Partners: When partners request credit search services on your behalf.
- Credit Reference Agencies: We obtain credit reports from TransUnion.
How We Use Your Personal Data
We will only use your personal data when the law allows. The table below explains our purposes, the type of data involved, and the lawful basis for processing:
| Purpose/Activity | Type of Data | Lawful Basis |
|---|---|---|
| To obtain your credit report on your behalf | Basic Personal Data, Financial Data | Consent: You provide explicit consent for us to conduct the credit search. |
| To comply with legal obligations (e.g. FCA rules) | Basic Personal Data, Financial Data | Legal Obligation: Required by applicable financial services regulations |
| To analyse and improve our services | Aggregated/Analytical Data | Legitimate Interests: Business analysis and service improvement |
Marketing and Communications
If you opt in, we may send you marketing communications (email/SMS) about our services and related products.
You may opt out at any time by:
- Updating your preferences in your swoppa account,
- Clicking the unsubscribe link in our emails, or
- Contacting us at hello@swoppa.co.uk
Cookies
We use cookies to improve your website experience and analyse site usage. For more details, please refer to our Cookie Policy or contact us.
Sharing Your Personal Data
We may share your personal data with:
| Company Name | Company Details | Processing Activity |
|---|---|---|
| TransUnion International UK Limited | Company number: 04968328 Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. | To conduct credit search services to assess your claim eligibility. |
| Peaberry Software Inc. d/b/a Customer.io | 9450 SW Gemini Drive, Suite 43920, Beaverton, Oregon 97008-7105, USA | Used to send emails and messages, such as account updates and marketing. Customer.io only processes this information on our behalf and keeps it secure. Some data may be stored in the United States, but it’s protected with appropriate safeguards including GDPR. |
| IT Service Providers | UK & EEA | To host and support our IT infrastructure. |
International Transfers
Some data may be transferred outside the UK/EEA (for example, when using Customer.io in the United States).
Where this occurs, we ensure appropriate safeguards are in place, including:
- Standard Contractual Clauses (SCCs) approved by the UK Government, or
- Participation in the UK-US Data Bridge (if applicable).
Data Security
We use appropriate technical and organisational measures to secure your personal data against loss, misuse, or unauthorised access.
Access is restricted to employees, agents, and partners who have a business need to know.
Data Retention
We only keep your personal data for as long as necessary to fulfil the purposes it was collected for, including legal, regulatory, or reporting requirements.
- Credit search data is generally retained for up to 6 years to comply with FCA rules.
- Marketing preference data is retained until you withdraw your consent or opt out.
Your Rights
Under data protection law, you have the right to:
- Access: Request a copy of the personal data we hold about you.
- Rectification: Ask us to correct inaccurate or incomplete data.
- Erasure (“Right to be Forgotten”): Request deletion of your data in certain circumstances.
- Restriction: Request that we restrict how we process your data.
- Objection: Object to processing where we rely on legitimate interests (including profiling).
- Withdrawal of Consent: Withdraw consent at any time (e.g. for credit searches or marketing).
- Data Portability: Request transfer of your data to another provider.
To exercise these rights, contact us at hello@swoppa.co.uk.
We would appreciate the chance to resolve any concerns before you contact the ICO. However, you also have the right to lodge a complaint with:
Information Commissioner’s Office
(ICO)Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113
Website: www.ico.org.uk
Updates to This Policy
We may update this Privacy Policy from time to time. Changes will take effect from the date they are posted. Where required by law, we will notify you of material changes.
Last Updated: Wednesday, 24 September 2025
TAL Marketing Group Limited trading as swoppa is registered in England and Wales under company number: 10612899. Registered Office Address: Work Life, Brown Street, Manchester, England, M2 1DH. TAL Marketing Group Limited t/a swoppa is an appointed representative of Creative Finance Corp LTD under reference FRN 968428. Creative Finance Corp LTD is authorised and regulated by the Financial Conduct Authority under reference FRN 702435, and is the principal firm of TAL Marketing Group Limited. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request.) Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances. TAL Marketing Group Limited t/a swoppa are registered with the Information Commissioner's Office under registration number ZB241343. Your details will be shared with 3rd parties, where it is necessary for our legitimate interests (or those of a third party) and your interests, and your fundamental rights do not override those interests, such as companies that can improve your current financial circumstances.
