Privacy Policy

1. Introduction

Kapital Finance Ltd (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This policy outlines how we collect, use, and protect your personal data when you visit our website or engage with our services.

2. About Us

Kapital Finance Ltd is an appointed representative of Clear Asset Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 668175). We are a credit broker, not a lender. You can verify our and our principal’s details on the Financial Services Register at www.fca.org.uk/register.

Kapital Finance Ltd is incorporated in England and Wales (company number: 11809915) with its registered office at Cambridge House, 27 New Dover Road, Canterbury, Kent, CT1 3DN.

3. Information We Collect

We may collect and process the following data about you:

– Personal identification details (e.g., name, date of birth)
– Contact information (e.g., address, email, phone number)
– Financial information (e.g., income, credit history)
– Employment details
– Identification documents
– Health records (where necessary)
– Residential status
– Credit search information
– Criminal convictions
– Insolvency history
– County Court Judgments (CCJs)
– Repossessions

This information may be collected directly from you or from third parties, such as credit reference agencies, where you have given permission.

4. Cookies

Our website uses cookies to distinguish you from other users, helping us provide a better experience and improve our site. For detailed information on the cookies we use and their purposes, please refer to our Cookie Policy.

5. How We Use Your Information

We use your information to:

– Source financing options at your request
– Manage and update any existing finance arrangements
– Inform you of similar opportunities that may benefit you
– Maintain a good working relationship with you

6. Disclosure of Your Information

We may share your personal information with:

– Business partners, suppliers, sub-contractors, and agents for the performance of any contract we enter into with them or you
– Analytics and search engine providers that assist us in improving our website
– Prospective buyers or sellers in the event of a business sale or purchase
– Legal authorities if required to comply with legal obligations or to enforce our terms

7. Where We Store Your Personal Data

Your data may be transferred to and stored at destinations outside the European Economic Area (EEA). We will take all reasonable steps to ensure your data is treated securely and in accordance with this privacy policy.

8. Your Rights

Under the Data Protection Act 2018 and the General Data Protection Regulation (GDPR), you have the right to:

– Access the personal data we hold about you
– Request correction of inaccurate or incomplete data
– Request deletion of your data under certain circumstances
– Object to processing of your data
– Request restriction of processing
– Request transfer of your data to another party
– Withdraw consent at any time where we rely on consent to process your data

To exercise any of these rights, please contact us at ricci@kapitalfinance.co.uk.

9. Credit Reference Agencies

In processing your application, we may supply your personal information to credit reference agencies (CRAs) via the lenders we use. They will provide us with information about your financial history to assess your creditworthiness and product suitability. This may include information about your settled accounts and debts not fully repaid on time. CRAs may also share your information with other organisations.

For more information about CRAs and how they use your personal data, please refer to the Credit Reference Agency Information Notice (CRAIN).

10. Changes to Our Privacy Policy

Any changes we make to our privacy policy will be posted on this page. Please check back frequently to see any updates.

11. Contact

If you have any questions about this privacy policy or our data practices, please contact us at:

Email: ricci@kapitalfinance.co.uk

Alternatively, you can contact our supervisory authority for data protection compliance:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate)