Legal
How Kerb collects, uses, stores, and protects your personal information when you use our website and services.
Last updated: 9th April 2026
This Privacy Policy explains how Kerb collects, uses, stores, and protects your personal information when you use our website and services. We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable data protection legislation.
Please read this Privacy Policy carefully. By using our website and services, you confirm that you accept this Privacy Policy and agree to comply with it. If you do not agree to this Privacy Policy, please do not use our website or services.
usekerb.com is a lead generation website operated by Surf Marketing Ltd under the Kerb brand. We connect UK businesses with trusted partner brokers and lenders that offer specialist business asset finance. Our service is completely free to you and you are under no obligation to accept any quotes you receive. Kerb is not authorised to give financial advice and we are not liable for any advice provided by third parties. All partner brokers and lenders are FCA authorised and regulated.
How We Work: Kerb operates as a lead generation partner. When you submit your details through our website, we match you with suitable brokers or lenders from our panel who specialise in business asset finance, including vehicle, machinery, plant and equipment finance. We receive a commission from our partners when we successfully connect you with them. This commission does not affect the service you receive or any quotes provided to you.
Consent to be Contacted: By submitting your details through our website, you expressly consent to being contacted by one or more of our partner brokers or lenders to discuss your enquiry. They may contact you by telephone, email, or SMS using the contact details you provide. Calls may be recorded for training and monitoring purposes. This consent is a fundamental part of how our service operates — without it, we would be unable to match you with a suitable partner.
We operate exclusively with incorporated businesses (Ltd/LLP). We do not arrange or introduce consumer credit for sole traders or ordinary partnerships. All partner brokers and lenders are FCA-authorised. We are not authorised to carry on regulated consumer-credit activities.
Regulatory Status: Kerb (Surf Marketing Ltd) is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, credit broking services, or any other regulated financial services. We act solely as a marketing and lead generation service, connecting businesses with FCA-authorised brokers and lenders.
Credit Searches: To provide you with a quote, our partner brokers or lenders may need to carry out a credit check. Initial eligibility checks are typically “soft searches” that do not leave a footprint on your credit file. If you proceed with an application, a full credit search may be performed which will be visible on your credit file. Our partners will explain their credit check process before proceeding.
No Guarantee of Finance: Completion of our enquiry form does not guarantee that you will receive an offer of finance. All decisions are made by our partner brokers and lenders based on their own eligibility criteria, credit checks, and affordability assessments. Finance is subject to status and approval.
Secured Finance Warning: Some finance products offered by our partners may be secured against business or personal assets, including property. If you do not keep up payments on a facility secured against your property, your property may be repossessed. Think carefully before securing other debts against your home or business assets.
Responsible Borrowing: Only enter into finance agreements you can afford to maintain. Before taking out any finance, consider whether you can meet the payments now and in the future. If you are unsure, seek independent financial advice.
Subject to partner checks and documents. No outcome is guaranteed. Rates, terms, and eligibility criteria vary by partner.
Kerb is a trading name of Surf Marketing Ltd, who function as a lead generator.
Company Registration: Surf Marketing Ltd is registered in England and Wales, company number 14952633.
ICO Registration: Surf Marketing Ltd is registered with the Information Commissioner’s Office (ICO), registration number ZC046410.
Registered Office Address: Office Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, United Kingdom, E14 9NN
We may collect and process the following types of personal information about you:
When you submit an enquiry through our website, you may provide us with:
When you visit our website, we may automatically collect:
We use your personal information for the following purposes:
Under the ‘soft opt-in’ exception, where you have engaged with us by submitting an enquiry, we may contact you about similar products and services that we believe may be of interest to you. We will assume you wish to receive these communications unless you opt out. You can opt out at any time by:
We will not send unsolicited marketing communications about unrelated products or services.
We process your personal information based on the following legal grounds:
We may share your personal information with:
When you submit an enquiry, we will present your information to our panel of regulated brokers and lenders. By submitting your details, you consent to these partners contacting you directly by telephone, email or SMS to discuss your requirements. These organisations have their own privacy policies, and we encourage you to review them carefully.
We may share your information with trusted third-party service providers who assist us in operating our website and delivering our services, including IT service providers, hosting providers, and marketing platforms. These providers are contractually obligated to keep your information secure and confidential.
We may disclose your information if required by law, to comply with legal processes, to protect our rights and property, or to prevent fraud or illegal activity.
Your personal information may be transferred to and processed in countries outside the United Kingdom and European Economic Area (EEA). Where we transfer your data internationally, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by the UK Information Commissioner’s Office or transfers to countries with adequacy decisions.
We will retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including:
When we no longer need your information, we will securely delete or anonymise it in accordance with our data retention policy.
Under the UK General Data Protection Regulation, you have the following rights:
To exercise any of these rights, please contact us at info@usekerb.com. We will respond to your request within one month. Please note that exercising some of these rights may mean we are unable to continue providing our services to you.
You have the right to request deletion of your personal data in the following circumstances:
Please note that this right does not apply in certain circumstances, such as where we need to retain your information to comply with a legal obligation.
If you wish to exercise your right to be forgotten, please email us at info@usekerb.com. We will inform our partner brokers and lenders of your request where applicable.
We take the security of your personal information seriously and have implemented appropriate technical and organisational measures to protect it from unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, please be aware that no method of transmission over the internet or electronic storage is completely secure.
Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyse website usage. For detailed information about the cookies we use and how to manage your cookie preferences, please see our Cookies Policy.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it as soon as possible.
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will post any changes on this page and, where appropriate, notify you by email or through a notice on our website. Please review this Privacy Policy regularly to stay informed about how we protect your information.
We are committed to resolving any concerns you may have about how we handle your personal data. If you wish to make a complaint, please contact us using the details below:
By Email: info@usekerb.com
By Post: Surf Marketing Ltd, Office Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, United Kingdom, E14 9NN
If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK’s supervisory authority for data protection matters:
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113
Website: www.ico.org.uk
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:
Email: info@usekerb.com
Post: Surf Marketing Ltd, Office Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, United Kingdom, E14 9NN
Last Updated: 9th April 2026