Legal Information & Privacy Policy

Fair Processing Notice

About us

Federal Capital Limited (referred to as ‘we’, ‘us’, ‘our’ in this Notice). We are what is known as the ‘controller’ of personal information we gather and use. This means that we are responsible for, and control the processing of, your personal information in accordance with data privacy laws. Our Data Protection Officer (‘DPO’) can be contacted at 14a Old Marsh Farm Barns, Welsh Road, Sealand, Flinsthire, CH5 2LY or by telephone on 01244 280665.

To attain further information in respect of our use of personal information, please visit our Privacy Policy or contact our DPO using the details above.

Type of personal information we process

We will collect personal information from you directly as a result of your application for finance, but we will also collect personal information about you from other sources such as Credit Reference Agencies (CRA’s).

This personal information will include your name; your contact details including your email address, home and mobile telephone numbers; your date of birth; your employment details; your home address and address history together with information about your occupier status; your identification documents such as your passport; your nationality; your bank details; your solvency and/or litigation history; details of any criminal convictions.

Using your information

We will use your personal information to provide you with products and services (including making credit decisions about you or your business) to comply with the law and enforce our legal rights (including debt recovery), and to improve and market our products and services (including research).

Legal basis for using your personal information

Personal information is only used it is allowable by laws that protect your privacy rights. When we enter into a finance agreement with you we will use your personal information where:

• we need to use the information to comply with our legal obligations;
• we need to use the information to perform a contract with you;
• we have your consent (if consent is needed)
• it is fair to use the personal information either in our interests or someone else’s interests, where there is no disadvantage to you (what is known as ‘legitimate interests’) – this can include where it is in our interests to market additional products or services to you;

CRA’s, Fraud Prevention Agencies and Automated Decision Making

In considering your application we may search your credit record at the CRA’s (‘your records’). We or our funders may also search linked records of your spouse or partner. Such searches at CRA’s may include searches against those to whom you may be linked, which may include your spouse/partner, your fellow directors (where you are a company) or other persons with whom you are linked financially. For the purposes of your application, you may be treated as financially linked to such individuals and in such circumstances you will be assessed by reference to all such “associated records”. Where you are a company, you will inform each director of the company of this notice. The CRA will add to your record details of our search and your application and this will be seen by other organisations that make searches. We may use credit scoring or other automated decision making systems when assessing your application. We may also undertake further searches against you and any associations for the purpose of tracing and recovering debt.

It is imperative that you give us accurate information. We will check your details with Fraud Prevention Agencies, and if you give us false or inaccurate information and we suspect fraud, we will record this. We, the CRA’s and the fraud prevention agencies will also use your records for statistical analysis about credit, insurance and fraud.

We may undertake searches with Equifax for the purposes of verifying your identity and for anti-money laundering purposes. To do so Equifax may check the details you supply against any particulars on any database (public or otherwise) to which they have access. They may also use your details in the future to assist other companies for verification purposes. A record of the search will be retained. If you are a joint applicant, such as a partnership, unincorporated association or if you are a body corporate, such as a limited company or LLP or charity, you are responsible for obtaining the agreement of any partner/ trustee/ officer/ director/ shareholder (as so required) to create an identity search against them at a CRA and have ensured this notice is provided.

The identities of the CRA’s, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention period and your data protection rights with the CRAs are explained in more detail by the CRA (Equifax).

If we, or a Fraud Prevention Agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or we may stop providing existing services to you.

Who we share your personal information with

For the purposes we have set out above, and in addition to CRA’s and Fraud Prevention Agencies, we will share your personal information with the following third parties:

• Funders; we may provide your information to funders who provide finance to us.
• Third party suppliers and contractors which support us in providing our services to you (for example, auditors (including third parties who will undertake ID checks);
• Government or regulatory bodies, law enforcement agencies and professional service advisers in order for us to comply with applicable laws and our professional advisors;
• Debt collection agencies, Insolvency Practices, Solicitors, Courts, Bailiffs who we might instruct in connection with any default on your account;
• Third parties as a result of a sale, merger, consolidation, change of control, transfer of assets or reorganisation of our business;
• Brokers who introduce you to us.

How long we will keep your personal information

We shall retain your personal information for the duration of our agreement with you and for the purposes of, complying with our legal obligations, or in our legitimate interests, in accordance with data privacy laws and our retention policy.

Your rights

You have the right to access, correct, in some cases delete, restrict and object to how we process your personal information. For more information about your rights or exercising your rights please contact our DPO or read the Privacy Policy

You also have a right to complain to the data protection regulator, the Information Commissioner (the “ICO”). Details of how to make a complaint to the ICO are contained on their website: www.ico.org.uk/concerns .

Marketing

We will only contact you with marketing communication as permitted by law about similar products and services or where we have your consent. You have the right at any time to opt-out of receiving marketing communications and you can do so by ticking the boxes below and returning this to Federal Capital with your business name and address:

I do not wish to be contacted by:

• Post
• Phone
• Email

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 commo

n 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.

Terms & Conditions of website use

By Using Our Website You Accept These Terms and Conditions

Please read these Terms and Conditions carefully and ensure that you understand them before using Our Site. These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, https://federalcapital.co.uk/ (“Our Site”). It is recommended that you print or save a copy of these Terms and Conditions for your future reference.

These Terms and Conditions were last updated on 11 October 2021

Your agreement to comply with these Terms and Conditions is indicated by your presence at and use of Our Site. If you do not agree to these Terms and Conditions, you must stop using Our Site immediately.

The following documents also apply to your use of Our Site:

• Our Privacy Policy, available at Privacy Policy. This is also referred to below in Part 15.

1. Definitions and Interpretation

1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:

“Content” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site; and

“We/Us/Our” means Federal Capital Limited.

2. Information About Us

2.1 Our Site is operated by Federal Capital Limited. We are a limited company registered in England and Wales under company number 07978824. Our registered address is 14a Old Marsh Farm Barns, Welsh Road Sealand, Deeside, Clwyd, CH5 2LY. This is also our main trading address.

2.2 We provide unsecured commercial loans via our panel of brokers. All finance and quotes are subject to status and income.

2.3 We are regulated by the Financial Conduct Authority (FCA) and our FCA firm reference number is 712978. We are permitted to carry out the following activities:

• Entering into Regulated Consumer Hire Agreements as owner
• Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
• Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
• Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

2.4 We operate in accordance with the Data Protection Act 1998, ICO registration number Z3368699.

3. How to Contact Us

To contact Us, please email Us at info@federalcapital.co.uk or telephone Us on 01244 280665.

4. Access to Our Site

4.1 Access to Our Site is free of charge.

4.2 It is your responsibility to make the arrangements necessary in order to access Our Site.

4.3 Access to Our Site is provided on an “as is”, “as is seen” and on an “as available” basis. We may suspend or discontinue Our Site (or any part of it) at any time. We do not guarantee that Our Site will always be available or that access to it will be uninterrupted. If We suspend or discontinue Our Site (or any part of it), and if you have opted in to receive our newsletter or our marketing updates from us, We will try to give you reasonable notice of the suspension or discontinuation.

5. Changes to Our Site

We may alter and update Our Site (or any part of it) at any time. If We make any significant alterations to Our Site (or any part of it), We will try to give you reasonable notice of the alterations, if you have opted in to receive such information from us.

6. Changes to these Terms and Conditions

6.1 We may alter these Terms and Conditions at any time. If We do so, details of the changes will be highlighted at the top of this page. As explained above, your use of Our Site constitutes your acceptance of these Terms and Conditions. Consequently, any changes made to these Terms and Conditions will apply to your use of Our Site the first time you use it after the changes have been implemented. You are therefore advised to check this page every time you use Our Site.

6.2 If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.

7. International Users

Our Site is intended for users in the United Kingdom only. We do not warrant or represent that Our Site or its Content are available in other locations or are suitable for use in other locations.

8. How You May Use Our Site and Content (Intellectual Property Rights)

8.1 All Content included on Our Site and the copyright and other intellectual property rights in that Content belongs to or has been licensed by Us, unless specifically labelled otherwise. All Content is protected by applicable United Kingdom and international intellectual property laws and treaties.

8.2 You may access, view, and use Our Site in a web browser (including any web browsing capability built into other types of software or app) and you may download Our Site (or any part of it) for caching (this usually occurs automatically).

8.3 You may print one copy and download extracts of any page(s) from Our Site for personal use only.

8.4 You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other Content downloaded from Our Site must not be used separately from accompanying text.

8.5 Our status as the owner and author of the Content on Our Site (or that of identified licensors, as applicable) must always be acknowledged.

8.6 You may not use any Content, saved or downloaded, from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as applicable). This does not prevent the normal access, viewing, and use of Our Site for general information purposes by business users or consumers.

9. Links to Our Site

9.1 You may link to any page on Our Site.

9.2 Links to Our Site must be fair and lawful. You must not take unfair advantage of Our reputation or attempt to damage Our reputation.

9.3 You must not link to Our Site in a manner that suggests any association with Us (where there is none) or any endorsement or approval from Us (where there is none).

9.4 Your link should not use any logos or trademarks displayed on Our Site without Our express written permission.

9.5 You must not frame or embed Our Site on another website without Our express written permission.

9.6 You may not link to Our Site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.

10. Links to Other Sites

10.1 Links to other websites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We accept no responsibility or liability for the content of third-party websites.

10.2 The inclusion of a link to another website on Our Site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.

11. Disclaimers

11.1 Nothing on Our Site constitutes professional advice on which you should rely. It is provided for general information purposes only. Professional or specialist advice should always be obtained before taking any action relating to business borrowing, business finance or prior to committing to any other form of obtaining funds for your business.

11.2 We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up to date, but We make no warranties, representations, or guarantees (express or implied) that this will always be the case.

11.3 If you are a business user, We exclude all implied representations, warranties, conditions, and other terms that may apply to Our Site and Content.

12. Our Liability

12.1 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.

12.2 If you are a business user (i.e. you are using Our Site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any Content included on Our Site.

12.3 If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

12.4 If you are a consumer, you agree that you will not use Our Site for any commercial or business purposes and that We shall have no liability to you for any business losses as set out above.

13. Viruses, Malware, and Security

13.1 We exercise reasonable skill and care to ensure that Our Site is secure and free from viruses and malware; however, We do not guarantee that this is the case.

13.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.

13.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

13.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

13.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

13.6 By breaching the provisions of Parts 13.3 to 13.5, you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

14. Acceptable Usage of Our Site

14.1 You may only use Our Site in a lawful manner:

1. You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply;
2. You must not use Our site in any way, or for any purpose, that is unlawful or fraudulent; and
3. You must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind.

14.2 If you fail to comply with the provisions of this Part 14, you will be in breach of these Terms and Conditions. We may take one or more of the following actions in response:

1. Suspend or terminate your right to use Our Site;
2. Issue you with a written warning;
3. Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
4. Take further legal action against you, as appropriate;
5. Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
6. Any other actions which We deem reasonably appropriate (and lawful).

14.3 We hereby exclude any and all liability arising out of any actions that We may take (including, but not limited to those set out above in Part 14.2) in response to your breach.

15. How We Use Your Personal Information

We will only use your personal information as set out in Our Privacy Policy.

16. Communications from Us

16.1 If We have your contact details, We may send you important notices by email from time to time. Such notices may relate to matters including, but not limited to, changes to Our Site or to these Terms and Conditions.

16.2 We will not send you marketing emails without your express consent. If you do consent to marketing, you may opt out at any time. All marketing emails from Us include an unsubscribe link. If you opt out of emails from Us, it may take up to 5 working days for your request to take effect and you may continue to receive emails during that time.

16.3 For questions or complaints about communications from Us, please contact Us using the details above in Part 3.

17. Law and Jurisdiction

17.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site.

17.2 These Terms of Use and any dispute or claim arising out of, or in connection with, the terms or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

Anti-Corruption & Anti-Bribery Policy Statement

1. Policy statement

Federal Capital specialise in providing unsecured business loans through a network of finance brokers. We are registered in England and Wales, company number 07978824. Registered office address: 14a Old Marsh Farm Barns, Welsh Road Sealand, Deeside, Clwyd, CH5 2LY, “we” or “us”.

We are committed to high standards of ethical behaviour and takes a zero-tolerance approach to bribery and corruption. We are committed to acting professionally, fairly and with integrity in all our business dealings and relationships and will implement and enforce effective systems to counter bribery and corruption.

Federal Capital will uphold all laws relevant to our business to counter bribery and corruption and we remain bound by the laws of the UK, including the Bribery Act 2010.

Bribery and corruption are punishable for individuals by up to ten years’ imprisonment and if we are found to have taken part in corruption we could face an unlimited fine and irretrievable damage to our reputation. We therefore take our legal responsibilities very seriously and exercise every endeavour in the course of our operation to identify and prevent any such risk.

The purpose of this policy is to publicly communicate to our clients, partners and third parties our position on bribery and corruption. Our employees must refer to our internal policies and our Company Handbook.

In this policy, third party means any individual or organisation that comes into contact with us, and includes actual and potential clients, customers, introducers, brokers, suppliers, business contacts, agents, advisers, and government and public bodies, including their advisors, representatives and officials, politicians and political parties.

2. Who is covered by the policy?

This policy applies to:

• Our customers and potential customers
• Any third parties we authorise to act on its behalf such as introducers, brokers, affiliates, agents and/or advisers
• Our suppliers, government and public bodies, including their advisors, representatives and officials, politicians and political parties

Where we engage with third parties, we will undertake appropriate steps to ensure that they comply with the principles set out in this policy.

A copy of this policy is available on our website.

3. What is bribery and corruption?

Corruption is the misuse of office or power for private gain.

A bribe is an inducement or reward offered, promised or provided in order to gain any financial, contractual, regulatory or personal advantage.

4. What is not acceptable?

We do not (nor do we procure anybody) to:

• Give, promise to give, or offer, a payment, gift or hospitality with the expectation or hope that a business advantage will be received, or to reward a business advantage already given;
• Give, promise to give, or offer, a payment, gift or hospitality to a government official, agent or representative to “facilitate” or expedite a routine procedure;
• Accept payment from a third party that we know or suspect is offered with the expectation that it will obtain a business advantage for them;
• Accept a gift or hospitality from a third party if we know or suspect that it is offered or provided with an expectation that a business advantage will be provided by us in return;
• Threaten or retaliate against another worker who has refused to commit a bribery offence or who has raised concerns under this policy; or
• Engage in any activity that might lead to a breach of this policy.

5. Facilitation payments and kickbacks

We do not make, and will not accept, facilitation payments, inducement payments or “kickbacks” of any kind

We avoid any activity that might lead to, or suggest, that a facilitation payment or kickback will be made or accepted by us.

6. Donations

We do not make contributions to political parties. We only make charitable donations that are legal and ethical under the laws of England and Wales.

7. How to raise a concern

Third parties are encouraged to raise concerns with us about any issue or suspicion of malpractice at the earliest possible stage. Any concerns, issues or suspicions should be referred to the Compliance Director, Matthew Plumridge who can be reached @ matthew.plumridge@federalcapital.co.uk

8. Monitoring and review

We will monitor the effectiveness and review the implementation of this policy, regularly considering its suitability and effectiveness.