Privacy Policy

                                                               CAPITAL COMMERCIAL LOANS LTD 

                                                                               PRIVACY NOTICE 

Who We Are 

We are CAPITAL COMMERCIAL LOANS LTD. 

Address: 344-348 HIGH ROAD, ILFORD, IG1 1QP 

Telephone: 07912226769 

Email: info@capitalcommercialloans.co.uk 

Director Responsible for Data Protection: Choudhry Yasir Iqbal 

ICO Registration Number: ZC115101 

Our Legal Grounds for Holding Your Data

We process personal data under the following lawful bases:

• Performance of a contract 

• Compliance with legal obligations

• Legitimate interests 

• Fraud prevention and AML obligations 

• Consent where applicable 

We process data to assess finance applications, verify identity, prevent fraud, comply with anti-money laundering regulations, and support customer outcomes. 

What Data We Collect 

We may collect: 

• Full name and address 

• Contact details 

• Date of birth 

• Identification documents

• Company documents 

• Financial information 

• Bank statements 

• Payslips 

• Tax calculations and HMRC records 

• Credit history 

• Source of funds information 

• Vulnerability disclosures 

• Communication records How Data Is Collected Data may be collected through: 

• Client meetings 

• Telephone calls 

• Emails 

• Fact find documents

• Website enquiries 

• Companies House searches 

• Credit reference agencies 

• Lenders and introducers 

• HMRC documentation supplied by clients 

Special Category Data 

Where customers voluntarily disclose health information or vulnerability-related information, explicit consent will be obtained before processing such data. 

Why We Collect Personal Data 

We collect personal data to: 

• Process finance applications 

• Verify customer identity 

• Prevent fraud and financial crime

• Conduct AML and KYC checks

• Communicate with lenders 

• Manage customer relationships 

• Comply with legal and regulatory obligations 

• Support vulnerable customers 

• Maintain business records 

Sharing Personal Data 

Personal data may be shared with: 

• Lenders and finance providers 

• Credit reference agencies 

• Fraud prevention agencies 

• Solicitors and accountants 

• Compliance providers 

• Regulators and law enforcement agencies 

• IT and secure storage providers 

We do not sell customer data to third parties. 

International Transfers 

The company does not transfer personal data outside the United Kingdom. 

Your Data Protection Rights 

Individuals have the following rights: 

• Right to be informed 

• Right of access 

• Right to rectification 

• Right to erasure 

• Right to restrict processing 

• Right to data portability 

• Right to object 

• Rights relating to automated decision-making and profiling 

• Right to withdraw marketing consent 

Subject Access Requests 

Individuals may request copies of personal data held by the company. 

Requests will normally be responded to within one month. 

How Long Data Is Kept 

Personal data is generally retained for a minimum of six years in line with FCA requirements, AML obligations, legal requirements, and professional indemnity insurance obligations. 

Marketing 

The company may occasionally contact customers regarding products or services that may be relevant to them. Customers may opt out of marketing communications at any time. 

Cookies and Website Use 

The company may use cookies in future website operations to improve customer experience and website functionality. 

Any future website will contain: 

• Cookie Policy

• Privacy Notice 

• ICO registration details 

• Company registration details 

• Regulatory disclosures 

Complaints 

If you are unhappy with how your personal data has been processed, you may contact the company directly. 

You also have the right to complain to the Information Commissioner’s Office (ICO): 

Information Commissioner’s Office 

Wycliffe House 

Water Lane 

Wilmslow 

Cheshire 

SK9 5AF 

Telephone: 0303 123 1113 

Website: ico.org.uk 

Policy Review 

This Privacy Notice is reviewed regularly and updated where necessary to reflect regulatory or operational changes