Privacy Policy

1. Introduction

Lending Capital Limited (“Lending Capital”, “we”, “us”, or “our”) is committed to protecting and respecting your privacy.

This Privacy Policy explains how we collect, use, store, and protect personal data when you visit our website, submit an enquiry, or engage with us in connection with short-term property finance.

We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Who We Are

Data Controller:
Lending Capital Limited
Registered Office: 20 North Audley Street, London W1K 6WE
Email: info@lendingcapital.co.uk
Company Number: 16851610

For the purposes of data protection law, Lending Capital Limited is the data controller.

3. The Data We Collect

We collect only data that is necessary, proportionate, and relevant to our lending and credit assessment activities.

a) Information you provide to us

This includes information submitted via our website forms, email, or telephone, such as:

  • Name

  • Company name

  • Email address

  • Telephone number

  • Broker or introducer details

  • Property and deal information

  • Exit strategy information

  • Supporting documents uploaded voluntarily

b) Technical and usage information

When you visit our website, we may automatically collect:

  • IP address

  • Browser type and version

  • Device information

  • Pages visited and interaction data

This data is used for security, analytics, and website performance purposes.

4. How We Use Your Data

We use personal data for the following purposes:

  • To assess and discuss potential lending transactions

  • To respond to enquiries and credit discussions

  • To progress deal submissions and due diligence

  • To communicate with brokers, borrowers, and professional advisers

  • To meet legal, regulatory, and compliance obligations

  • To maintain internal records and audit trails

We do not sell personal data and do not use it for unsolicited marketing.

5. Lawful Basis for Processing

We process personal data under the following lawful bases:

  • Legitimate interests – to assess lending opportunities, manage risk, and operate our business

  • Contractual necessity – where processing is required to take steps prior to entering into a contract

  • Legal obligation – where required for regulatory, anti-money laundering, or legal compliance

Where consent is relied upon (for example, where you voluntarily submit information), you may withdraw that consent at any time.

6. Data Sharing

We may share personal data with trusted third parties where necessary, including:

  • Professional advisers (e.g. solicitors, valuers, accountants)

  • Technology and hosting providers

  • Regulators or authorities where legally required

All third parties are required to handle data securely and in accordance with applicable data protection laws.

7. Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected, including:

  • Assessing and progressing transactions

  • Meeting regulatory and legal obligations

  • Maintaining appropriate audit trails

Retention periods are reviewed regularly and data is securely deleted when no longer required.

8. Data Security

We take reasonable and appropriate technical and organisational measures to protect personal data, including:

  • Secure hosting environments

  • Access controls

  • Confidentiality obligations

While no system is completely secure, we take data protection seriously and continually review our safeguards.

9. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data

  • Request correction of inaccurate data

  • Request erasure of data (where applicable)

  • Object to or restrict processing

  • Request data portability

To exercise your rights, please contact us using the details below.

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO).

10. Cookies

Lending Capital Limited uses cookies to ensure our website functions correctly, to improve performance, and to understand how visitors use the site. These cookies may collect limited technical information such as browser type, device data, and pages visited, but do not identify you personally or track you across other websites. You can manage or disable cookies through your browser settings; however, doing so may affect website functionality.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation, or business practices. The latest version will always be available on our website.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact:

Email: info@lendingcapital.co.uk
Address: 20 North Audley Street, London W1K 6WE