What is SwiftBusiness?

Powered by AI and built for efficiency, SwiftBusiness by Central Services Solutions transforms how businesses and households manage utilities, services, and operational costs through smart comparisons, automation, and real-time insights.

Privacy Policy | SwiftBusiness

1. Who We Are

SwiftBusiness is a trading name of Central Services & Solutions Ltd, a company incorporated in England and Wales ("we", "us", "our"). We operate a digital utility comparison, switching, and business services platform available at swiftbusiness.co.uk.

We are the Data Controller of the personal data you provide when using this Platform. For all data protection and privacy enquiries, contact:

Director: Garry Kelly
Email: garrykelly@centralservicessolutions.co.uk
Company: Central Services & Solutions Ltd (trading as SwiftBusiness), Registered in England & Wales, Company No. 13735404
Registered Office: Wansbeck Workspace, Rotary Parkway, Ashington, Northumberland, NE63 8QZ

We are registered with the Information Commissioner's Office (ICO) as a Data Controller. Our ICO registration number is available upon request.

For full details of how we share and process your data — including all third-party providers, legal bases, retention periods, and your rights — please also read our Data Processing & Data Sharing Notice.

2. What Data We Collect

We may collect and process the following categories of personal data:

Identity data: your full name, date of birth, job title, company name, Companies House registration number, VAT number
Contact data: email address, phone number, postal address, postcode
Utility and site data: energy/gas/water meter readings, MPAN/MPRN references, estimated annual consumption, current supplier and contract details
Financial data: business turnover, loan requirements and application data (for finance applications only), bank account details (for direct debit mandates)
Identity verification data: proof of identity, proof of address, director information (where required for credit checks or KYB)
Technical data: IP address, browser type, device type, operating system, session tokens, and cookies
Usage data: pages visited, features used, navigation patterns, quote and application history
Communications data: support tickets, messages, feedback, and correspondence
Consent records: timestamped records of all consents given and withdrawn
Signature data: electronic signatures, signing certificates, and audit trail data

3. How We Use Your Data

To create and manage your Platform account
To provide and personalise utility comparison quotes and market insights
To submit quote requests and switch applications to suppliers on your behalf
To process business finance applications (via Approvity and associated lenders)
To request credit and identity checks through the relevant supplier, finance provider or authorised credit-reference provider where you have provided explicit consent
To generate and manage Letters of Authority (LOAs) and contracts (via DocuSign)
To send account notifications, renewal reminders, and service alerts
To comply with our legal, regulatory, and contractual obligations
To detect and prevent fraud, misuse, and security threats
To improve the Platform using anonymised analytics data
To send marketing communications, only where you have opted in

4. Legal Basis for Processing

We process your personal data under the following lawful bases (UK GDPR Article 6):

Contract performance (Art. 6(1)(b)) — to deliver the services you request, including account management, quote generation, and switching applications
Legitimate interests (Art. 6(1)(f)) — to improve our Platform, detect fraud, conduct analytics, and operate our business where our interests are not overridden by your rights
Legal obligation (Art. 6(1)(c)) — to comply with applicable UK law, tax obligations, and regulatory requirements
Consent (Art. 6(1)(a)) — for marketing communications, optional data sharing, credit checks, and any other processing where we specifically seek your consent

You may withdraw consent at any time. Withdrawal does not affect the lawfulness of prior processing.

5. Third Parties We Share Data With

We share relevant data with carefully selected third-party providers as necessary to deliver our services. We do not sell your personal data to any third party.

Approvity — business finance application processing and lender matching
Jellyfish Energy — utility tariff comparison, supplier API pricing, contract switching
Online Direct and relevant suppliers — manual business-credit and supplier-eligibility checks (with your explicit consent only)
DocuSign — electronic signature processing for LOAs and contracts
Utility Warehouse — energy and telecoms supply referrals
Blizzard Telecom — telephony and connectivity products
Teya Merchant Services — payment terminal and merchant services referrals
Online Direct — business services referral partner
Google / Microsoft — authentication services (login only; no marketing data shared)
Google Maps — address lookup and mapping features
Base44 Ltd — application hosting, database, and backend infrastructure (sub-processor under DPA)
Email and SMS providers — transactional and marketing communications delivery
Approvity (finance broker network) — business finance broker and aggregator that matches your application to lenders including Iwoca, Funding Circle, Liberis, Capify and others
Utility suppliers — to facilitate switching and contract activations

For detailed information on each provider, their role (Controller or Processor), and the data shared, see our Data Processing & Data Sharing Notice.

6. Data Retention

We retain your data for as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Standard retention periods:

Account and profile data: duration of account + 6 years after closure
Quote and contract records: 6 years from contract date
Finance application records: 6 years (regulatory requirement)
Signed LOAs and documents: 6 years from signing date
Consent records: 3 years from last consent action
Support and communications records: 3 years
Security and access logs: 12 months

7. International Transfers

Some of our service providers may process data outside the United Kingdom. Where this occurs, we ensure appropriate safeguards are in place in accordance with UK GDPR Chapter V, such as Standard Contractual Clauses (SCCs), UK International Data Transfer Agreements (IDTAs), or ICO adequacy decisions. Full details are in our Data Processing & Data Sharing Notice.

8. Your Rights Under UK GDPR

Under UK GDPR and the Data Protection Act 2018, you have the right to:

Access — request a copy of all personal data we hold about you (Subject Access Request)
Rectification — request correction of inaccurate or incomplete data
Erasure — request deletion of your data where there is no longer a lawful basis for retention
Restriction — request that we limit processing while a dispute is resolved
Portability — request your data in a structured, machine-readable format where processing is based on consent or contract
Object — object to processing based on legitimate interests, including profiling and direct marketing
Automated decisions (Art. 22) — request human review of any automated decision that significantly affects you
Withdraw consent — at any time where processing is consent-based

To exercise any right, contact: garrykelly@centralservicessolutions.co.uk

We will respond within one calendar month. You also have the right to lodge a complaint with the ICO at ico.org.uk or on 0303 123 1113.

9. Cookies

We use cookies and similar technologies in accordance with PECR. Please see our Cookie Policy for full details. Analytics and marketing cookies are only placed with your explicit consent.

10. Security

We implement appropriate technical and organisational security measures including TLS encryption in transit, encryption at rest, role-based access controls, and audit logging. No method of electronic transmission is 100% secure. In the event of a breach affecting your data, we will notify you and the ICO as required by UK GDPR.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify registered users of material changes by email or in-platform notification. The "Last updated" date will be revised on any update.

13. Contact

Company: Central Services & Solutions Ltd (trading as SwiftBusiness)
Director: Garry Kelly
Email: garrykelly@centralservicessolutions.co.uk
Company No.: 13735404
Registered Office: Wansbeck Workspace, Rotary Parkway, Ashington, Northumberland, NE63 8QZ
ICO: ico.org.uk | 0303 123 1113