Privacy Policy
Federal Capital Limited understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, https://federalcapital.co.uk/ (“Our Site”) and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.
Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of this Privacy Policy is requested at the point of starting to use our website.
1. Information About Us
Our Site is owned and operated by Federal Capital Limited, a limited company registered in England and Wales under company number 07978824.
Registered address: 14a Old Marsh Farm Barns, Welsh Road, Sealand, Flinsthire, CH5 2LY. This is also our trading address.
Email address: ✉ info@federalcapital.co.uk
Telephone number: 01245 975 700.
Our postal address is the same as our registered address.
2. What Does This Policy Cover?
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.
3. What Is Personal Data?
Personal data is defined by the UK GDPR and the Data Protection Act 2018 (collectively, “the Data Protection Legislation”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
4. What Are My Rights?
Under the Data Protection Legislation, you have the following rights, which we will always endeavour to uphold:
- The right to be informed about our collection and use of your personal data. This Privacy Policy should tell you everything you need to know, but you can always contact us to find out more or to ask any questions.
- The right to access the personal data we hold about you.
- The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete.
- The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold.
- The right to restrict (i.e. prevent) the processing of your personal data.
- The right to object to us using your personal data for a particular purpose or purposes.
- The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
- The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
- Rights relating to automated decision-making and profiling. We do not use your personal data in this way.
For more information about our use of your personal data or exercising your rights as outlined above, please contact us.
It is important that your personal data is kept accurate and up-to-date. If any of the personal data we hold about you changes, please keep us informed as long as we have that data.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office. We would welcome the opportunity to resolve your concerns ourselves, however, so please contact us first, using the details provided above.
5. What Data Do You Collect and How?
Depending upon your use of Our Site, we may collect and hold some or all of the personal and non-personal data set out below. Please also see Part 11 for more information about our use of Cookies and similar technologies and our Cookie Policy. We do not collect any ‘special category’ or ‘sensitive’ personal data OR personal data relating to children OR data relating to criminal convictions and/or offences.
Federal Capital will obtain personal information:
- Directly from yourself, for example, from an Order Form/application documents/telephone/email;
- Through the course of an agreement either directly from you, your association or with business brokers who introduce you to us;
- From third party organisations such as Credit Reference Agencies (‘CRAs’) and Fraud Prevention Agencies (‘FPA’);
- Federal Capital may also obtain personal information from either monitoring or recording calls. We will record and monitor telephone calls for training, auditing, resolving queries and to improve overall quality and service delivery;
- When we process your personal information this will be either for our legitimate business purposes or to comply with our legal obligations;
In the course of dealing with your application and any subsequent agreements you enter into we may collect the following personal information:
- Your title, full name, contact details, email address, home and mobile telephone numbers;
- Your home address and address history, together with information about your occupier status, whether you are a tenant, live with parents or are an owner occupier;
- Your date of birth;
- Your occupation, job title and employment details;
- Your personal identification i.e. a passport or a driving license;
- Your nationality if this is necessary for us to comply with our legal and regulatory requirements;
- Your bank details;
- Your solvency and/or litigation history;
- Personal information obtained from third parties such as CRAs or FPAs and publicly available sources of information such as the electoral roll;
Those making an application should not share any other individual’s personal information with us except where they have shown them a copy of this privacy policy and obtained their confirmation that they know you will share it with us for the purposes described.
Depending on how you make your application we may collect this information directly or indirectly.
6. How Do You Use My Personal Data?
Under the Data Protection Legislation, we must always have a lawful basis for using personal data.
In certain circumstances we may be required to obtain additional personal information about you:
To consider an application and to process it, we will use:
Your contact details, including your name, address, email address, telephone number and date of birth.
We process and use this personal information to comply with a legal obligation, to perform a contract and for our own legitimate business interest.
To make a credit decision about you we will use:
- Information you provide to us directly;
- Information we receive from third party credit reference and fraud agencies;
- Information we obtained through the course of an agreement or previous agreements; and
- Information we receive from third parties, most likely your finance broker
For this purpose of processing Federal Capital will share your personal information with CRA’s and FPA’s. The information could be used for:
- CRA’s will add a search footprint onto your credit file when we have conducted a credit search, this may be seen by other lenders.
- If you are making a joint application, or tell us you have a spouse or financial associate, Federal Capital and the CRA’s or FPA’s may link your records together. This means that each other’s personal information (including information the CRA or FPA already holds) will be taken into account with all future credit applications by either or both of you.
These links will remain on your and their files until such time as you or your partner successfully files for a ‘disassociation’ with the CRA’s to break that link. Therefore, you should make sure you discuss this with them and share this Privacy Policy, before lodging an application.
- We might add to your CRA or FPA records details of your agreements, this may include any defaults or failure to keep to the terms of your agreement and when a payment is overdue.
- CRA’s or FPA’s could pass this personal information onto other companies who have no relation to us who conduct either credit or fraud prevention checks.
We process and use this personal information in order to comply with our legal obligations and for our own legitimate business interest.
To fulfil or comply with our legal obligations, to prevent financial crime, including fraud and money laundering we will use:
- Information you provide us directly, and
- Information we receive from third party CRA’s and FPA’s
This personal information will only be used where it is necessary for us to comply with a legal obligation or for our own legitimate business interest. The personal information will include, name, address, date of birth and nationality.
We will provide personal information to and receive personal information from third parties such as CRA’s and FRA’s where it is necessary to meet our legal obligations. This may also include the police and other law enforcement and government agencies.
To administer payments we will use:
Your contact details and the payment details that you have provided to us. We may provide your information to a third party payment provider to process the payment.
We process and use this personal information for our own legitimate business interest.
To operate and administer our products and services, including dealing with your complaints and fixing our mistakes, we will use:
Your contact details, including your name, address and date of birth.
We may share your information we use for this purpose with third parties who help us verify your contact details and equipment suppliers.
We process and use this personal information to comply with legal obligation, to perform a contract and for our own legitimate business interest.
To comply with our legal obligation, to support our vulnerable customers:
Information you give us that identifies a vulnerability, such as a health condition.
We will give information to and receive information about a vulnerability from third parties where it is necessary to meet our legal obligations, for example from the police or someone acting on your behalf.
Where we process medical personal information that you have provided to us we will only hold this information once we have obtained your explicit consent to do so.
For debt recovery purposes, we will use:
Your contact details, these will include your name, address and date of birth.
Federal Capital will give your personal information to and receive information from third parties where it is necessary to recover debts due by you to us, Third Parties may include, debt recovery agents, CRA’s, Solicitors, Courts, bailiff services, Land Registry, professional advisors and process servers.
To enable us to improve our services and for internal and external audit we may utilise your data including:
Your contact details, these will include your name, address and date of birth, identification and your email address.
We process and use this personal information to comply with a legal obligation, contract and for our own legitimate business interest.
To market products and services to you, we will use:
We will market directly to you or where your employer has taken out a product using the contact details either you or they have provided to us unless you have opted out.
We process and use this information for our own legitimate business interest. You have the right to object to Federal Capital direct marketing at any time.
To record telephone calls:
Federal Capital may also obtain personal information from either monitoring or recording calls. We will record and monitor telephone calls for training, auditing, resolving queries and issues and to improve overall quality and service delivery. When we process your personal information this will be either to comply with a legal obligation, to perform a contract or for our own legitimate business interest.
7. How Long Will You Keep My Personal Data?
We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for 7 years, unless you tell us that you wish us to delete it prior to the expiry of this period.
8. How and Where Do You Store or Transfer My Personal Data?
We will only store your personal data in the UK. This means that it will be fully protected under the Data Protection Legislation.
We ensure that your personal data is protected under binding corporate rules. Binding corporate rules are a set of common rules which all our group companies are required to follow when processing personal data. For further information, please refer to the Information Commissioner’s Office.
The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:
- limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;
- procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data) including notifying you and/or the Information Commissioner’s Office where we are legally required to do so;
9. How Can I Control My Personal Data?
In addition to your rights under the Data Protection Legislation, when you submit personal data to us, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails and at the point of providing your details and by managing your Account).
You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
10. How Can I Access My Personal Data?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses shown above. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.
We will respond to your subject access request within 28 days and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.
11. How Do You Use Cookies?
Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
All Cookies used by and on Our Site are used in accordance with current Cookie Law.
Before Cookies are placed on your computer or device, you will be shown a Cookie Consent Form/Opt-In Pop Up Form requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended.
You will be given the opportunity to allow only first-party Cookies and block third-party Cookies.
Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
12. Changes to this Privacy Policy
We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.
Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date. This Privacy Policy was last updated on 11 October 2021.
