Privacy Policy

1. Who We Are

Aarubi Ltd operates the public website at aarubi.co.uk for general business and personal service enquiries. Business funding pages and funding enquiry forms are for Aarubi Finance Ltd. General website enquiries can be sent to support@aarubi.co.uk. Business funding enquiries can be sent to aarubifs@gmail.com or discussed by phone on 07989 225 885.

Aarubi Finance Ltd is registered in England and Wales under company number 16422403. Registered office: 66 The Kent, Rugby, CV21 4NQ.

2. What Data We Collect

We collect information you provide directly to us, including:

• Your name, email address, phone number and company name when you submit an enquiry or contact form
• Your business postcode and energy usage details when you request an energy comparison
• Merchant card processing statement figures when you use our statement analyser, including turnover, charges, fees and card mix
• Uploaded statement files while they are being analysed; these files are used for extraction and are not stored by Aarubi after extraction
• Business funding enquiry details such as applicant type, legal business name, company number where applicable, trading period, approximate turnover, monthly card turnover for Merchant Cash Advance, desired funding amount and business purpose
• Any additional information you choose to include in messages you send us

We also collect standard website analytics data such as pages visited, time on site, and browser type through cookies. See our Cookie Policy for details.

3. How We Use Your Data

We use the information we collect to:

• Respond to your enquiries and provide the service you requested
• Route enquiries to the correct Aarubi entity or team
• Contact you by phone or email about quotes, comparisons, funding eligibility checks or recommendations relevant to your enquiry
• Analyse uploaded or entered business statements to produce indicative cost comparisons
• Improve our website and services
• Comply with our legal obligations

4. How We Share Data

We do not sell your personal data. Where needed to handle an enquiry, details may be shared between Aarubi Ltd and Aarubi Finance Ltd so the correct entity can respond. We may share relevant details with suppliers or providers for non-funding services where you have asked us to obtain quotes or support.

Aarubi Finance Ltd works with YouLend and 365 Finance for Merchant Cash Advance enquiries. For other commercial loan enquiries, Aarubi Finance Ltd may introduce eligible businesses to finance providers. Provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

5. Legal Basis for Processing

We process personal data on the basis of your consent when you submit a form, our legitimate interests in operating the website and responding to enquiries, and where needed to comply with legal obligations. You may withdraw consent at any time by contacting us.

6. How Long We Keep Your Data

We retain your personal data for as long as necessary to provide the services you requested and for record-keeping purposes. Uploaded statement files used by the statement analyser are not stored by Aarubi after extraction. You may request deletion of your data at any time.

7. Information We Do Not Request in Funding Forms

Business funding enquiry forms do not request bank login details, payment card details, ID documents or supporting documents. Please do not send those details through a website form.

8. Your Rights

Under UK GDPR you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Object to or restrict our processing of your data
• Lodge a complaint with the Information Commissioner's Office (ico.org.uk)

To exercise any of these rights, contact us at support@aarubi.co.uk. For business funding data, you can also contact aarubifs@gmail.com.

9. Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure or destruction. All data is transmitted over encrypted HTTPS connections.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page will reflect the most recent version.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact support@aarubi.co.uk. Business funding privacy questions can be sent to aarubifs@gmail.com or discussed by phone on 07989 225 885.