Privacy Policy

Last updated: March 2026

1. Who we are

The Fleet Lab Ltd (company number 16976022, registered in England & Wales) is a commercial finance broker. Our registered office is 91 Rhydypenau Road, Cardiff, CF23 6PZ. VAT registration number: 512 6931 03.

We are an appointed representative of Commercial and Asset Finance Ltd (FCA No. 729014), registered in Scotland (No. SC334879), 11 Walkinshaw Street, Johnstone, PA5 8AF.

For the purposes of UK data protection law, The Fleet Lab Ltd is the data controller of the personal data we collect about you. If you have any questions about this policy or how we handle your data, please contact us at: contact@thefleetlab.co.uk

2. What data we collect

We may collect and process the following personal data:

— Name, job title, and business name

— Contact details including email address, phone number, and business address

— Financial information relevant to arranging commercial finance (e.g. business turnover, credit history)

— Vehicle and fleet requirements

— Correspondence and enquiry details submitted via our website or by phone/email

— Technical data such as IP address, browser type, and pages visited (via cookies)

3. How we collect your data

We collect data when you:

— Submit an enquiry or contact form on our website

— Contact us by phone or email

— Enter into a business relationship with us

— Browse our website (via cookies and analytics tools)

4. How we use your data

We use your personal data to:

— Respond to your enquiries and provide our brokerage services

— Introduce you to suitable lenders and finance providers

— Comply with our legal and regulatory obligations as an FCA-appointed representative

— Manage our business relationship with you

— Send you relevant information about our services where you have consented or where we have a legitimate interest to do so

— Improve our website and services

5. Our lawful basis for processing

We rely on the following lawful bases under UK GDPR:

— Contract: to provide services you have requested or to take steps prior to entering a contract

— Legal obligation: to comply with FCA regulations and other applicable law

— Legitimate interests: to run and develop our business, including following up on enquiries and improving our services

— Consent: where you have explicitly agreed to receive marketing communications

6. Who we share your data with

We may share your personal data with:

— Lenders, funders, and finance providers on our panel, for the purpose of arranging finance

— Commercial and Asset Finance Ltd, our principal firm, where required for regulatory oversight

— IT and software providers who support our business operations (subject to data processing agreements)

— Regulatory and government bodies where required by law (e.g. HMRC, FCA)

We do not sell your personal data to third parties.

7. How long we keep your data

We retain personal data for as long as necessary to provide our services and comply with our legal obligations. As an FCA-regulated business, we are required to retain certain records for a minimum of 6 years. We will securely delete or anonymise data when it is no longer required.

8. Cookies

Our website uses cookies to improve your browsing experience and to understand how our site is used. You can manage your cookie preferences through your browser settings. By continuing to use our website, you consent to our use of cookies in accordance with this policy. 123 Reg.

9. Your rights

Under UK GDPR you have the right to:

— Access the personal data we hold about you

— Correct inaccurate or incomplete data

— Request erasure of your data (in certain circumstances)

— Object to or restrict our processing of your data

— Request portability of your data

— Withdraw consent at any time (where processing is based on consent)

To exercise any of these rights, please contact us at: contact@thefleetlab.co.uk We will respond within one calendar month.

10. Complaints

We are registered with the Information Commissioner's Office (ICO), registration number ZC084895 If you believe we have not handled your data appropriately, you may also lodge a complaint with the ICO at www.ico.org.uk or by calling 0303 123 1113.

11. Changes to this policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with an updated date. We encourage you to review this policy periodically.

12. Contact us

The Fleet Lab Ltd

91 Rhydypenau Road, Cardiff, CF23 6PZ

Email: contact@thefleetlab.co.uk

Terms & Conditions

Last updated: March 2026

1. About us

The Fleet Lab Ltd (company number 16976022, registered in England & Wales) is a commercial finance broker specialising in asset finance, vehicle finance, and fleet solutions. Our registered office is 91 Rhydypenau Road, Cardiff, CF23 6PZ. VAT registration number: 512 6931 03.

We are an appointed representative of Commercial and Asset Finance Ltd (FCA No. 729014), registered in Scotland (No. SC334879), 11 Walkinshaw Street, Johnstone, PA5 8AF, which is authorised and regulated by the Financial Conduct Authority.

2. Our services

We act as a credit broker, not a lender. We introduce customers to a panel of lenders and finance providers for the purpose of commercial asset finance, vehicle finance, and fleet procurement. We do not provide financial advice. Any finance arranged is subject to status, eligibility, and the terms of the relevant lender.

3. Who we work with

Our services are intended for businesses and commercial customers only. By using our website and services, you confirm you are acting in a business capacity.

4. No consumer credit

We do not provide finance or credit brokering services to individuals acting as consumers. If you are a private individual, please seek regulated consumer credit advice elsewhere.

5. Fees

We do not charge fees to customers for our brokerage services. We may receive a commission or remuneration from lenders upon successful introduction. Details are available on request.

6. Website use

The information on this website is provided for general information only and does not constitute financial, legal, or professional advice. We make reasonable efforts to ensure the accuracy of content but accept no liability for errors or omissions. We reserve the right to update or withdraw content at any time.

7. Privacy

We are committed to protecting your personal data in accordance with UK GDPR and the Data Protection Act 2018. Please refer to our Privacy Policy for full details of how we collect, use, and store your information.

8. Complaints

If you have a complaint, please contact us at contact@thefleetlab.co.uk We will acknowledge your complaint within 3 business days. If you remain dissatisfied, you may be able to refer your complaint to the Financial Ombudsman Service (FOS) depending on the nature of your complaint.

9. Governing law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to these terms

We may update these terms from time to time. Continued use of our website following any changes constitutes your acceptance of the updated terms.