Privacy Policy for Capital Business Loans

Last Updated: 11^th June 2025

At Capital Business Loans (www.capitalbusinessloans.co.uk) we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website or use our services. By using our website, you agree to the practices described in this policy.

1. Who We Are

Capital Business Loans is a business finance brokerage based in the UK and we aim to secure funding offers for our business clients using a panel of lenders. Our registered office is Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE. You can contact our Data Protection Officer at andy@capitalbusinessloans.co.uk or 01244 906505

2. Information We Collect

We may collect and process the following types of personal data:

1. Information You Provide

• Personal Details: Ful name, email address, phone number, home address & D.O.B when you fill out forms on our website
• Business Details: Company name, company number, turnover, profit amount, overdraft amount, year of incorporation.
• Financial Information: Business financial details, credit history, full accounts, business bank statements, draft accounts, management accounts, VAT returns, TAX returns, HMRC debt information, cashflow forecast.
• Communication Data: Information you provide when you contact us via email, phone, WhatsApp or through our website’s contact forms.

1. Information Collected Automatically

• Technical Data: IP address, browser type, operating system, and browsing behaviour (e.g., pages visited, time spent on the site) collected via cookies and similar technologies.
• Usage Data: Information about how you interact with our website, such as clicks, form submissions, and referral sources.

1. Information from Third Parties

• Credit and Financial Data: Information from credit reference agencies or financial institutions to assess loan eligibility.
• Marketing Partners: Data from third-party marketing services if you have consented to receive marketing communications.

3. How We Use Your Information

We use your personal data for the following purposes:

• To process and evaluate loan applications.
• To provide and improve our services, including responding to enquiries and customer support requests.
• To personalize your experience on our website.
• To comply with legal and regulatory obligations, such as anti-money laundering checks.
• To send you marketing communications (where you have given consent) about our services or promotions.
• To analyse website usage and improve our website’s functionality and user experience.

4. Legal Basis for Processing

We process your personal data based on the following legal grounds under the UK GDPR:

• Consent: For marketing communications or non-essential cookies.
• Contract: To fulfil our obligations under a loan agreement or to process your application.
• Legal Obligation: To comply with laws, such as financial regulations or anti-money laundering requirements.
• Legitimate Interests: For improving our services, analysing website usage, or fraud prevention, where such interests do not override your rights.

5. How We Share Your Information

We may share your personal data with:

• Financial Partners: Lenders, credit reference agencies, or financial institutions involved in processing your loan application.
• Service Providers: Third parties providing services such as website hosting, analytics, or customer support, who are contractually obligated to protect your data.
• Legal Authorities: When required by law or to protect our rights, such as in response to a court order.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to a new entity.

We do not sell your personal data to third parties.

6. Cookies and Tracking Technologies

Our website uses cookies to enhance your browsing experience, analyse usage, and deliver personalized content. You can manage your cookie preferences through your browser settings or our cookie consent tool. For more details, see our Cookie Policy.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data, including encryption, secure servers, and access controls. However, no system is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy or to comply with legal obligations. For example:

• Loan application data may be retained for at least 5 years to comply with financial regulations.
• Marketing data will be retained until you withdraw consent.
• Technical data (e.g., analytics) may be retained for at least 12 months.

9. Your Rights

Under the UK GDPR, you have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you.
• Rectification: Correct inaccurate or incomplete data.
• Erasure: Request deletion of your data in certain circumstances.
• Restriction: Limit how we use your data.
• Portability: Receive your data in a structured, machine-readable format.
• Object: Object to processing based on legitimate interests, including marketing.
• Withdraw Consent: Withdraw consent at any time where we rely on it for processing.

To exercise these rights, contact us at andy@capitalbusinessloans.co.uk – We will respond within one month, as required by law.

10. International Data Transfers

If we transfer your data outside the UK (e.g., to service providers in the EU or elsewhere), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses, to comply with UK GDPR.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies.

12. Marketing Communications

If you have consented to receive marketing emails, you can opt out at any time by clicking the “unsubscribe” link in our emails or contacting us at beth@capitalbusinessloans.co.uk

13. Complaints

If you have concerns about how we handle your data, please contact us at andy@capitalbusinessloans.co.uk. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at www.ico.org.uk or by calling 0303 123 1113.

14. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a revised “Last Updated” date.

15. Contact Us

For questions or concerns about this Privacy Policy, please contact:

• Email: hello@capitalbusinessloans.co.uk
• Phone: 01244 906505
• Address: Capital Business Loans, Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE