Privacy Policy

Effective date: 3 September 2026

HTG Finance Limited, known as Hometree Finance, formerly Bewarm Group Limited ("us", "we", or "our") operates the hometreefinance.co.uk website and provides consumer finance products (hereinafter collectively referred to as the "Service").

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from hometreefinance.co.uk

Definitions

Personal Data: Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data: Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies: Cookies are small files stored on your device (computer or mobile device).
Data Controller: Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.
Data Processor (or Service Provider): Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
Data Subject (or User): Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Information collection and use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of data collected

Personal data

While using our Service, we may ask you to provide us with certain information that can be used to contact or identify you ("Personal Data"). Such information may include, but is not limited to:

first name and last name
date of birth
phone number
email address
address
income information
payment details
Cookies and Usage Data.

We may, with your consent where required by applicable law such as for email direct marketing, use your Personal Data to contact you with newsletters, marketing or promotional materials, and other information that may be of interest to you including information about services provided by our group companies. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any communication we send.

Usage data

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & cookies data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device.

Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

Session Cookies: we use Session Cookies to operate our Service.
Preference Cookies: we use Preference Cookies to remember your preferences and various settings.
Security Cookies: we use Security Cookies for security purposes.

Use of data

Hometree Finance uses the collected data to:

provide and maintain our Service
notify you about changes to our Service
allow you to participate in interactive features of our Service when you choose to do so
provide customer support
gather analysis or valuable information so that we can improve our Service
monitor the usage of our Service
detect, prevent and address technical issues
provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

Legal basis for processing personal data under the UK General Data Protection Regulation (UK GDPR)

Hometree Finance's legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

Hometree Finance may process your Personal Data because:

we need to perform a contract with you
you have given us permission to do so
the processing is in our legitimate interests and it is not overridden by your rights
we need to comply with the law.

The provision of Personal Data is primarily contractual and, in some circumstances, required to meet legal and regulatory obligations.

Personal Data is required to:

enter into and perform contracts with customers, suppliers, or business partners
process orders, manage accounts, and deliver goods and services
verify identity and prevent fraud
comply with applicable legal, regulatory, accounting, and tax obligations.

What are the consequences of not providing personal data?

If you choose not to provide the Personal Data we request:

we may be unable to enter into a contract with you
we may be unable to fulfil orders, supply goods, or provide services
we may be unable to conduct necessary verification, compliance, or fraud prevention checks
as a result, our services may be delayed, restricted, or declined.

Reference and affordability checks

To help us assess applications, prevent fraud, and meet our legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs).

We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 742313.
TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 737740.

The information we receive may include data relating to your identity, credit commitments, payment history, and public record information. This data is used solely for legitimate business purposes, including creditworthiness assessment, identity verification, and fraud prevention, in accordance with applicable data protection laws.

Further information about how Creditsafe and TransUnion process your personal data can be found in their respective privacy notices:

Automated decision making and profiling

In some circumstances, we may conduct automated decision making or profiling using personal data. This involves the use of automated systems to evaluate certain information about an individual, such as risk factors, affordability indicators, or fraud signals, based on predefined rules or algorithms.

Where automated decision making is used, it may result in decisions such as the approval, restriction, or rejection of an application or service.

Individuals have the right to request human intervention, to express their point of view, and to challenge decisions made solely by automated means. Further information about automated decision making and how to exercise these rights can be obtained by contacting us using the details provided in this Privacy Policy.

Retention of data

Hometree Finance will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

Hometree Finance will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside the United Kingdom and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United Kingdom and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. Hometree Finance will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of data

Business transaction

If Hometree Finance is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for law enforcement

Under certain circumstances, Hometree Finance may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal requirements

Hometree Finance may disclose your Personal Data in the good faith belief that such action is necessary to:

comply with a legal obligation
protect and defend the rights or property of Hometree Finance
prevent or investigate possible wrongdoing in connection with the Service
protect the personal safety of users of the Service or the public
protect against legal liability.

Security of data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Your data protection rights under the UK General Data Protection Regulation (UK GDPR)

Hometree Finance aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data. If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us at dpo@hometree.co.uk.

In certain circumstances, you have the following data protection rights:

The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
The right to object. You have the right to object to our processing of your Personal Data.
The right of restriction. You have the right to request that we restrict the processing of your personal information.
The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
The right to withdraw consent. You have the right to withdraw your consent at any time where Hometree Finance relied on your consent to process your personal information.
The right to complain. You have the right to complain to us if you believe we have not used your Personal Data in accordance with UK GDPR. Please ask us for a form to complete, or provide details as suggested by the ICO on their website.

Please note that we may ask you to verify your identity before responding to such requests.

You also have the right to complain to the UK Commissioner about our collection and use of your Personal Data:

Phone: 0303 123 1113
Website: ico.org.uk/make-a-complaint

Service providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyse the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.

Links to other sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect Personal Data from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to this policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact us

If you have any questions about this Privacy Policy, please contact us:

Phone: 0800 987 1789
Email: hello@hometreefinance.co.uk