We use Google Analytics. These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
First party cookies: these are our own cookies, controlled by us and used only to provide log-in information for our site administrators.
Third party cookies: these are cookies found in other companies’ internet tools which we are using to enhance our site, for example Facebook or Twitter have their own cookies, which are controlled by them.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
How to control and delete cookies
However, if you wish to restrict or block the cookies which are set by our website, or indeed any other website, you can do this through your browser settings. The ‘Help’ function within your browser should tell you how.
Alternatively, you may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.
If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie. For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual.
To opt-out of third-parties collecting any data regarding your interaction on our website, please refer to their websites for further information.
GDPR: Data privacy notice
Capitas Finance Ltd ("We") are committed to protecting and respecting your privacy.
This policy (together with our privacy policies, the Data Processing Agreement, and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
The rules on processing of personal data are set out in the General Data Protection Regulation (the “GDPR”).
- Data controller: A controller determines the purposes and means of processing personal data.
- Data processor: A processor is responsible for processing personal data on behalf of a controller.
- Data subject: Natural person.
Categories of data: Personal data and special categories of personal data.
Personal data: The GDPR applies to ‘personal data’ meaning any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier (as explained in Article 6 of GDPR). For example name, passport number, home address or private email address. Online identifiers include IP addresses and cookies.
Special categories personal data: The GDPR refers to sensitive personal data as ‘special categories of personal data’ (as explained in Article 9 of GDPR). The special categories specifically include genetic data, and biometric data where processed to uniquely identify an individual. Other examples include racial and ethnic origin, sexual orientation, health data, trade union membership, political opinions, religious or philosophical beliefs.
Processing: means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
Third party: means a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorised to process personal data.
2. Who are we?
Our client is the data controller. This means we decide how your personal data is processed and for what purposes. Our contact details are shown at www.capitasfinance.com/contact Tel 01372 232901. Sarah Bitmead is the contact.
3. The purpose(s) of processing your personal data:
- We use your personal data for the following purposes:
- To verify your and your company’s identity
- To assist with applications for finance
- To provide our funders and suppliers with the necessary information to support your application
- To provide our consultancy services accurately and efficiently
- To ensure compliance with regulations and prevent fraud and money laundering
- To locate the best providers for your funding sources
4. The legitimate interests pursued by the controller, or by a third party.
As part of our work with you we will need to collect information about you and your business and/or financial situation and in some cases financial associations.
This information can come directly from you when we ask for it or from third parties including credit reference agencies.
5. The categories of personal data concerned.
For the purposes of providing our services we will need your personal data to consult with you including your contact details and information about your business or professional activity.
In addition, we may need some special categories of personal data such as details of your finances, identity and your bank details.
6. The recipients, or categories of recipients, of the data, if any planned transfers of personal data to a third country or international organisation.
The recipients of your data will include: Financial organisations, banks and credit reference agencies along with suppliers and consultancy providers necessary for us to perform our contract with you such as vendors we are working with on your behalf to supply your goods or services.
7. Planned transfers of personal data to a third country or international organisation How long will the personal data be stored for (or the criteria used to determine that period)?
We do not intend to transfer your data outside the EU, however we will consider the use of appropriate technical safeguards such as encryption, should your data need to be transferred. Your data will be shared with the above recipients and they may transfer your data using their own safeguards accordingly.
E-Mail communication can be routed across the internet worldwide and due to the nature of this type of correspondence your E-Mail message content could be indirectly transferred.
8. How long will the personal data be stored for (or the criteria used to determine that period)?
We will determine how long to keep your data in accordance with our data retention policies. As a guide, the information will be kept for the time necessary to perform our services to you and will be retained for audit trail purposes as directed by relevant legislation and FCA guidelines. Funders may also have their own timescales and policies regarding this.
Unless subject to an exemption under the GDPR, you have the following rights with respect to your personal data:
9. Rights to access, rectification, erasure and portability of the personal data:
- The right to request a copy of the personal data which we hold about you;
- The right to request that we correct any personal data if it is found to be inaccurate or out of date;
- The right to request your personal data is erased where it is no longer necessary to retain such data;
- The right to request that we provide you with your personal data and where possible, to transmit that data directly to another data controller, (known as the right to data portability), (where applicable i.e. where the processing is based on consent or is necessary for the performance of a contract with the data subject and where the data controller processes the data by automated means).
10. Your rights to restriction of, or objection to, processing of the personal data rights to withdraw consent at any time (if applicable):
- The right, where there is a dispute in relation to the accuracy or processing of your personal data, to request a restriction is placed on further processing;
- The right to object to the processing of personal data, (where applicable i.e. where processing is based on legitimate interests (or the performance of a task in the public interest/exercise of official authority); direct marketing and processing for the purposes of scientific/historical research and statistics).
11. Your rights to withdraw consent at any time (if applicable).
The right to withdraw your consent to the processing at any time, where consent was your lawful basis for processing the data.
11A. The personal data is a statutory or contractual requirement.
This is to comply with our obligations detailed above.
11B. Automated decision making.
We may use the services of third party credit reference agencies and these use independent algorithms to assess the accuracy and risk profile of your requirements.
11C. The origin of the personal data.
We may obtain your details from a company finance application where you are related to the organisation such as obtaining your details from Companies House, or from credit referenes or identity checks.
12. Further processing.
If we wish to use your personal data for a new purpose, not covered by this Data Privacy Notice, then we will provide you with a new notice explaining this new use prior to commencing the processing and setting out the relevant purposes and processing conditions.
14. How to make a complaint.
To exercise all relevant rights, queries or complaints please in the first instance contact the company representative, Sarah Bitmead or you can contact the FCA.