terms, privacy & cookies

terms of use

last updated: 2025 · governed by the laws of england

the content of the website and coral commerce application is managed by coral commerce limited, a private company duly registered in england, along with content owners and partners.

you may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of the coral commerce application and website (including any content within) without our express written permission. you may not view or print any of our content for your commercial or financial gain.

you may not use the coral commerce application or the website or any of the contents on the website in a way that may cause:

• the website or the services offered to be interrupted, damaged or impaired
• offence or detriment to any other person who uses the website or any of the services offered
• coral commerce, you or any other user of the website to be in breach of any applicable law or regulation
• detriment to any person who supplies services to coral commerce in connection with the website or service

if we consider that you are doing, or are likely to do, any of these things or in any other way are adversely affecting this website, its users, coral commerce application or its suppliers, we may immediately suspend your use of the website or any of the services offered.

coral commerce takes no responsibility for any loss or damage suffered by any person or organisation relying on the information and services contained within the website. no information or content contained on this website should be taken as an offer by coral commerce or its partners.

all products offered by coral commerce are subject to completion (in the manner required) of the requisite application forms and other documentation and are governed by the relevant coral commerce and partner terms and conditions. coral commerce and its partners reserve the right to reject in its discretion any application submitted for services contained on the website.

limitation of liability

the website should only be used for information purposes. it is not advice and you should refrain from making any decision or taking any action unless otherwise directed. coral commerce is not responsible for the website's accuracy or its fitness for a particular purpose or the reliability of the access to the website and/or the coral commerce application, unless otherwise indicated.

coral commerce is not liable for any damages or losses resulting from your use of or inability to use coral commerce application or the website.

we do not guarantee that coral commerce application or the website will operate free of error, or that the website is free from computer viruses or any other contaminating computer program.

we do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of your use of the website.

third-party websites and services

the website contains links to other websites which are not under our control. these links are included for your convenience and we do not accept any responsibility or liability when you select to click or opt into these linked sites and services, or for any consequence of your acting upon the contents of such external or third-party websites and services.

copyright and content

the content of the website including all research, opinions or other content does not constitute legal, tax or financial advice, nor does it necessarily reflect the views of coral commerce management, staff, shareholders, associates or suppliers. before making any decision or taking any action which might affect you, please seek appropriate advice from a suitably qualified person.

the website may include technical, typographical or other inaccuracies and you are urged to contact our editorial staff to confirm all information contained herein before placing any reliance on it. changes are constantly made to coral commerce application and the information on the website.

all materials published on the coral commerce application and the website are protected by copyright under the laws of england. all images are the copyright of their respective owners and sources are clearly identified and credited on the website. the coral commerce application and website code, as well as the ip, are owned by coral commerce limited and may not be copied or redistributed without permission.

general provisions

transmission of information

all information transmitted via the internet is susceptible to monitoring and interception. we will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. we reserve the right to request independent verification of any information transmitted via email. please be aware that any unsolicited confidential or proprietary information sent to our editorial staff via the internet cannot be guaranteed to remain confidential.

terms and conditions changes

we may change our terms and conditions at any time without notification, for the coral commerce application and the website, by posting the changes to the website directly. if you use the coral commerce application or the website after we have posted any such changes you will be bound by the new terms and conditions. you should therefore ensure that you read the terms and conditions each time you use the coral commerce application or the website.

governing law and jurisdiction

these terms and conditions and your use of the coral commerce application and the website are governed by and construed in accordance with the laws of england.

connected interests

coral commerce and any company or individual connected to it, including its members and employees, may have a position or interest in any product or service recommended in this or any other coral commerce website.

world wide web

the content of the website is not directed to any person in any jurisdiction where (by reason of their nationality, residence or otherwise) the publication or availability of the website is prohibited. persons in respect of whom such prohibitions apply must not access this website.

privacy policy

last updated: 2025 · applies to coralcommerce.com and the coral commerce application

this privacy policy describes how your personal information may be collected, used, and shared when you visit or make an application from coralcommerce.com (the site).

what personal information we collect

when you visit the site, we automatically collect certain information about your device that may include information about your web browser, ip address, time zone, and some of the cookies installed on your device.

as you browse the site, we may collect information about the individual web pages or products that you view, what websites or search terms referred you to the site, and information about how you interact with the site. we refer to this automatically-collected information as device information.

we may collect device information using the following technologies:

• cookies — data files that are placed on your device or computer and often include an anonymous unique identifier. for more information about cookies, and how to disable cookies, visit allaboutcookies.org
• log files — track actions occurring on the site, and collect data including your ip address, browser type, internet service provider, referring/exit pages, and date/time stamps
• web beacons, tags and pixels — electronic files used to record information about how you browse the site

additionally, when you make an application or attempt to make an application through the site, we may collect certain information from you, including your name, company information, email address, and phone number. we refer to this information as application information.

when we refer to personal information in this privacy policy, we are referring to both device information and application information.

how we use your personal information

we use the application information that we collect generally to respond to any applications placed through the site. additionally, we use this application information to:

• communicate with you
• screen your application for potential risk
• submit your application to our sponsoring banks and payment gateways
• when in line with the preferences you have shared with us, provide you with information relating to our products or services

we use the device information that we collect to help us screen for potential risk and fraud (in particular, your ip address), and more generally to improve and optimise our site — for example, by generating analytics about how our customers browse and interact with the site, and to assess the success of our marketing and advertising campaigns.

how we share your personal information

we may share your personal and company information with third parties to help us process your payments and provide you with reliable services. for example, we send this information to our bank and payment processing partners for them to evaluate your application based on the personal and business information you submit through us.

we also use google analytics to help us understand how visitors use the site. you can read more about how google uses your personal information at google.com/intl/en/policies/privacy. you can opt-out of google analytics at tools.google.com/dlpage/gaoptout.

finally, we may also share your personal information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

your rights

if you are a european resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. if you would like to exercise this right, please contact us through the contact information below.

additionally, if you are a european resident we note that we are processing your information in order to fulfil contracts we might have with you (for example if you make an application through the site), or otherwise to pursue our legitimate business interests listed above. please note that your information may be transferred outside of europe, including to canada and the united states.

do not track

please note that we do not alter our site data collection and use practices when we see a do not track signal from your browser.

data retention

when you make an application through the site, we will maintain your application information for our records unless and until you ask us to delete this information.

minors

the site is not intended for individuals under the age of eighteen (18).

changes to this policy

we may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

cookie policy

last updated: 2025

this cookie policy explains what cookies are, how coral commerce limited uses them on coralcommerce.com, and what choices you have regarding their use.

what are cookies

cookies are small data files placed on your device when you visit a website. they are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

how we use cookies

coralcommerce.com uses the following categories of cookies:

• strictly necessary cookies — these cookies are required for the website to function and cannot be switched off. they are usually set in response to actions you take, such as setting your privacy preferences, logging in or filling in forms.
• analytics cookies — we use google analytics to understand how visitors interact with our site. these cookies collect information about pages visited, time spent on the site, and how you arrived. this data is aggregated and anonymous. you can opt out via google's opt-out tool.
• functional cookies — these cookies allow the website to provide enhanced functionality and personalisation, such as remembering your preferences between visits.

managing cookies

most web browsers allow you to control cookies through their settings preferences. however, if you limit the ability of websites to set cookies, you may impact your overall user experience. to find out more about cookies, including how to see what cookies have been set, visit allaboutcookies.org.

third-party cookies

in addition to our own cookies, we may also use various third-party cookies to report usage statistics of the service and to deliver advertisements on and through the service. these third parties have their own privacy policies and we encourage you to read them.