Credicorp

ICO (Information Commissioner's Office)

The Information Commissioner's Office, or ICO, is the UK's independent regulator for data protection and information rights. It upholds UK GDPR and the Data Protection Act 2018, provides guidance to organisations, handles complaints from individuals, and can take enforcement action where personal data is mishandled. Most organisations that process personal data must register with the ICO and pay a data-protection fee.

What it does: Regulates data protection, handles complaints, and enforces the law.
Who registers: Most organisations that process personal data, including lenders.
Registration number: A unique reference confirming an organisation is on the ICO register.

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The ICO register

Organisations that process personal data generally appear on a public register maintained by the ICO, each with a registration number. This lets anyone confirm that a business is registered as a data controller. It is a basic marker of accountability for how an organisation handles personal information.

UK GDPR UK GDPR is the United Kingdom's General Data Protection Regulation — the retained version of the EU GDPR — which governs how organisations, including… Companies House Companies House is the UK's registrar of companies. It incorporates and dissolves limited companies and LLPs, and maintains the public register of company… Due diligence Due diligence is the set of checks a lender carries out before and during a lending relationship — confirming the borrower is genuine, understanding its… /legal/vulnerability/ How Credicorp, a UK business lender, supports customers going through a difficult time — vulnerability policy and support routes. BNPL (buy now, pay later) Buy now, pay later (BNPL) lets a customer split the cost of a purchase into instalments. In a business context, spreading the cost of bills over time is a… Incorporation Incorporation is the act of forming a company so that it exists as a separate legal person, registered at Companies House. It is what gives a business… Establishment fee An establishment fee is a one-off charge for setting up a facility, separate from interest. It forms part of the total cost of credit and should be read… KYC (know your customer) Know your customer (KYC) is the process of identifying and verifying who a lender is dealing with — the business, its directors and its ultimate owners… Term The term of a facility is the length of time over which it runs and is repaid. Short-term business lending has a brief term, which keeps the cost in… Direct Debit A Direct Debit is a standing instruction that lets a lender collect a scheduled payment from a business's bank account. It is governed by the Direct Debit…

The ICO and individuals' rights

If an individual believes an organisation has mishandled their personal data, they can complain to the ICO. The ICO can investigate, require changes, and in serious cases impose penalties. For a business borrower, this matters because the personal data of its directors and owners is protected by the same framework the ICO oversees.

The ICO and Credicorp

Credicorp is registered with the Information Commissioner's Office under registration number ZC157682, reflecting its role as a controller of personal data. Credicorp handles personal data in line with UK GDPR. Credicorp is an independent UK lender, not affiliated with Credicorp Inc of Peru, Credit Corp of Australia, or any other Credicorp entity outside the United Kingdom (Company No. 16093826).

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