Premium finance redaction is the removal of personal data from an instalment credit agreement. UK GDPR and the DPA 2018 limit how that data is shared, under ICO oversight. anonym.plus marks each item on your device, so the credit terms stay clear while the borrower stays shielded.
When this applies
The agreement lists the borrower, the bank account, and the instalment schedule. You trim those fields before the paperwork moves to a lender or auditor.
How anonym.plus handles it
- Open the agreement in anonym.plus on your device.
- Local OCR reads a scanned credit agreement.
- The tool flags names, accounts, and NI numbers.
- Keep the rate and schedule intact.
- Swap or black out the confirmed entries.
- Save the clean copy locally.
What you need to provide
- The credit agreement (PDF, DOCX, or scan).
- An operator (Replace keeps the schedule readable).
- Optional allow-list for rate and contract numbers.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | borrower Quinn → [BORROWER] |
| Financial | UK_BANK_NUMBER | direct debit acct 5521 → [ACCOUNT] |
| Identifiers | UK_NINO | QN 33 07 12 C → [NINO] |
| Financial | MONEY | financed £9,400 → [AMOUNT] |
| Contact | PHONE_NUMBER | +44 151 496 0221 → [PHONE] |
| Dates | DATE_TIME | DOB 1977 → [DOB] |
Compliance achieved
- Supports lawful handling of borrower data under UK GDPR & DPA 2018.
- Keeps the rate and schedule whole for the lender.
- Offline work keeps the agreement off any server.
Anonymise premium finance records offline — see plans & start free →
Limitations & cautions
A direct debit account on a faint scan can confuse OCR. Verify the flags on image pages so no full number remains. The tool masks what it detects; check the output.
Frequently asked questions
Can I keep the financed amount visible?
Yes. Allow-list the rate and amount so they stay while personal data is removed.
Does the tool catch the direct debit account?
Yes. The bank account is flagged along with the name and NI number so you can shield each one.
Is the agreement uploaded?
No. The app is fully offline, so it stays on your device.