Privacy Policy

Capital & Equity PLC

How We Use Your Information

GDPR Privacy Statement / Fair Processing Notice

Who are Capital & Equity PLC

Capital & Equity PLC is a data processor and is committed to ensuring your privacy and data is protected. If you provide personal data (data by which you can be identified) to Capital & Equity PLC, then you can be assured that it will only be used in accordance with this privacy policy statement, as well as the General Data Protection Regulation (“GDPR”) and other applicable laws.

Capital & Equity PLC

Roxley House

Hillwood Road

Sutton Coldfield

West Midlands

B75 5QW

Telephone Number 0121 295 1040

ICO Registration Number: Z348670X

Company Number: 07030733

For information on all the activities we’re licensed to carry out please visit:

https://ico.org.uk/ESDWebPages/Entry/Z348670X

Why We Need Your Information

Capital & Equity PLC collect and process your personal information to help make finance lending decisions to provide you with the services you have applied for. Without this information we are unable to provide the services we offer.

Our Legal Basis For Processing Your Information

The processing is necessary for the performance of a contract to which the data subject is a party, or in order to take steps at the request of the data subject prior to entering into a contract with them.

What we will do with Your Information

All the personal data we hold about you will be processed by our staff and systems in the United Kingdom. Your information may be passed to third parties, where required, to provide the services you have applied for, as well as where there is a legal obligation for us to provide third parties with this information e.g. The Financial Conduct Authority or The Police.

We will use your data to process your application for services provided by Capital & Equity PLC. This processing will include some or all of the below:

Automated decision making

Our lenders may use automatic decisioning as part of their process.

This will involve automatically requesting information from CRAs and using this data along with the other data provided to assess your suitability for the goods/services requested.

Passing to Credit Reference Agencies, to generate credit searches.

We will search your record at credit reference agencies. The record of our search will NOT be seen by other organisations when you apply for credit in the future.

If you are an owner, director or partner in a business, we may also check on your business. We will also check on any proposed guarantor, so you must have their permission to disclose their information.

If you enter into an agreement with us, information on this agreement will be passed to the CRAs. Information remains on file for 6 years after the account is closed.

When processing your application, we may perform credit and identity checks on you with one or more credit reference agencies (“CRAs”).

To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We will use this information to:

Assess your credit worthiness and whether you can afford to take the product;

Verify the accuracy of the data you have provided to us;

Prevent criminal activity, fraud and money laundering;

Ensure any offers provided to you are appropriate to your circumstances.

The personal information we have collected from you may be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at www.gov.uk/data-protection.

Credit Reference Agencies we may use are:

Experian – experian.co.uk

Equifax – equifax.co.uk

Call Credit – callcredit.co.uk

Creditsafe – creditsafe.co.uk

CIFAS checks may be undertaken by finance companies as part of their underwriting

After Transaction Processing

We may conduct after transaction surveys, via an independent third-party survey company. Some of your data may be passed to this company to allow us to improve our products and services

We use a third-party email marketing company to run marketing campaigns. If you consent to us marketing you, and we run a marketing campaign, some of your data may be passed to this provider.

Statistical Analysis

Anonymised data on previous customer transactions is used to improve the products and services we offer, as well as to understand and improve the accuracy of our underwriting.

Who we will share your data with

We sometimes need to share the personal information we process with the individual themselves and also with other organisations, such as the customers finance broker. Where this is necessary we are required to comply with all aspects of the General Data Protection Regulation (2018)

Capital & Equity PLC is a mortgage and credit broker and may share your personal data with other third parties, Capital & Equity PLC will provide details upon request.

Will your data be sent overseas?

Capital & Equity PLC will never send customer data outside the EEA.

How long we will keep your data

Customer data is retained for no longer than is necessary, as such, data is retained for as long as an account remains open. Upon account closure, data is retained for 6 years. Data is deleted through appropriate technical safeguards when no longer required.

Customer Rights

As a customer of Capital & Equity PLC you have the following rights related to your data and how it’s processed:

The right to be informed – this means we must provide, at the point of collecting your data, a privacy or verbal notice informing you of how your personal information will be used.

The right to access your personal information – this means that you have the right to know what information we hold on you, and to request a copy of it. This information is provided free of charge.

The right to get inaccurately recorded information corrected.

The right to erasure – this means that you can request that your personal data is deleted from our records, also referred to as ‘the right to be forgotten’.

The right to restrict how your personal information is used – this means that you have the right to object to how we use your personal information, including for direct marketing purposes.

The right to receive your personal information in a legible and transferable format.

The right to object to the use of your personal information

Rights related to automated decision making including profiling – this means you have the right to refuse to your personal information being used to make a decision based on an automatic process without human intervention

For further information on how to action any of these rights please contact the data protection officer at the address on this statement.

How you can make a complaint

Should you wish to make a complaint, you can do so by:

Letter – The data protection officer at

Capital & Equity PLC

Roxley House, Hillwood Road, Sutton Coldfield, West Midlands, B75 5QW

Email - keithrobinson@capitalandequity.com

Telephone – 0121 295 1040

If we do not handle your complaint to your satisfaction within 8 weeks, you have the right of referral to the ICO who act as the data protection arbitrator.

Details of how to contact the ICO are at this web address https://ico.org.uk/global/contact-us/

What we do to keep your data secure

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.