Effective date: 9th September 2025

This Privacy Policy explains how Visual Binary Ltd (company number 15852692), trading as TraderPay (“TraderPay”, “we”, “our”, or “us”), collects, uses, and protects personal information when you use our website https://traderpay.io, our mobile app, or our related services (together, the “Services”).

We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

If you have any questions about this policy, please contact us at team@traderpay.io.

1. Who We Are

TraderPay provides services to trades and construction businesses in the UK, including:

• Business finance introductions with UK finance partners

• A mobile app to create and manage professional quotes

• Business admin outsourcing services

Visual Binary Ltd is the data controller for the purposes of this Privacy Policy.

2. Information We Collect

We may collect the following types of information when you use our Services:

• Business Information: Business name, address, registration details, and industry sector.

• Contact Information: Name, phone number, email address, role within the business.

• Financial Information (for finance introductions): Information about your business finances, turnover, loan requirements, and related documents you choose to provide.

• Usage Information: Data about how you use our website and mobile app, such as log data, device type, browser type, and IP address.

• Documents and Content: Any quotes, job details, or documents you upload or create through the TraderPay app.

3. How We Use Your Information

We use your information to:

• Provide and operate our Services (quotes app, outsourcing, finance introductions).

• Communicate with you regarding your use of our Services.

• Share relevant details with finance partners if you apply for finance offers.

• Improve, personalise, and develop our Services.

• Comply with legal and regulatory obligations.

4. Sharing Your Information

We only share your information in limited circumstances:

1. Finance Partners: If you submit a request for finance, we will share relevant details with our carefully selected finance partners, who will contact you directly regarding your application.

2. Service Providers: We use third-party providers such as Google Firebase to host and store app data securely.

3. Legal Obligations: We may disclose your information if required to do so by law, regulation, or in response to valid legal requests.

We do not sell your personal information to third parties.

5. Data Storage and Security

• We store your data securely using Google Firebase (Google Cloud), with servers located in the UK and/or EEA where possible.

• We implement appropriate technical and organisational measures to protect your personal data.

• While we take reasonable steps to secure data, no online service can guarantee complete security.

6. Legal Basis for Processing

We process your personal data under the following legal grounds:

• Contract: To provide our Services to you.

• Legitimate Interests: For improving our Services and communicating with you as a business customer.

• Consent: Where you explicitly agree (e.g., to share your details with finance partners).

• Legal Obligation: To comply with applicable laws and regulations.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, unless a longer retention period is required by law. For example:

• Finance application records may be kept in line with regulatory requirements.

• App data and documents are retained while you maintain an active account.

8. Your Rights

Under UK GDPR, you have the following rights:

• Access to the personal data we hold about you.

• Correction of inaccurate or incomplete data.

• Erasure of your personal data (“right to be forgotten”).

• Restriction of processing in certain circumstances.

• Data portability to another service provider.

• Objection to processing, where applicable.

To exercise your rights, please contact us at team@traderpay.io.

9. Cookies & Tracking

• Our website may use cookies and similar technologies to improve functionality and user experience.

• You can control cookie settings through your browser.

10. Third-Party Links

Our website and app may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

11. International Transfers

Where data is transferred outside the UK/EEA (for example, by Google Firebase), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses approved by the UK Information Commissioner’s Office.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the updated date at the top will be revised.

13. Contact Us

team@traderpay.io