Privacy & Fair Processing Notice
This page aims to help you understand what information we might collect about you and how we use it.
RH Private Finance is a trading style of Capital B Property Finance. Capital B Property Finance is the data controller of your personal data. We operate through a number of companies within our group, which will also be data controllers in respect of your personal data.
Capital B Property Finance is committed to protecting and respecting your privacy and will comply with the applicable data protection laws in all our dealings with your personal data.
We may collect and process the following data about you:
- Information about you, such as your name, your business telephone number and email address, that is in the public domain, for example on a website or public register;
- Information that is provided by filling in forms on our sites and via our telephone interviews. This includes information provided at the time of registering to use our site, subscribing to our service, posting material, requesting a free listing or requesting further services;
- If you contact us, we may keep a record of that correspondence;
- We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them;
- Details of transactions you carry out through our site and of the fulfilment of your orders; and
- Details of your visits to our site and emails received including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise.
Details of your visits to our site and emails received including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise.
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our partners, sponsors or advertisers. This is statistical data in aggregated form about our users’ browsing actions and patterns, and will not allow our funding and business partners to identify you from such data.
Cookies enable us to:
- Estimate our audience size and usage pattern
- Allow us to customise our site according to your individual interests
- Speed up your searches
- Allow you to more easily find previously viewed content when you return
You can refuse to accept all or some cookies by modifying settings within your browser (for guidance on how to do this visit http://www.aboutcookies.org/). However, if you block the session cookies you may be unable to access certain parts of our sites.
Where We Store Your Personal Data
We will store all information about you on secure servers. The data that we collect from you may be transferred to, and stored at, a destination outside the United Kingdom and the European Economic Area (“EEA”). It may also be processed by staff operating outside the UK or the EEA who work for one of our funding partners. We will take all steps reasonably necessary to ensure that any personal data transferred outside the UK or the EEA is treated securely and in accordance with the applicable data protection laws.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Legal Basis to Process Your Personal Data
Under the applicable data protection laws we need a lawful basis to collect and use your personal data. The law allows for six lawful bases to process people’s personal data, and one of them allows personal data to be legally collected and used if it is necessary for a legitimate interest of the organisation – as long as it is fair and balanced and does not unduly impact the rights of individuals.
In the event you request a loan from us, we will rely on our contractual relationship to process your personal data to provide such services to you.
In certain very limited circumstances we may also rely on a specific consent provided by you for the processing of your personal data. In those circumstances you can withdraw your consent at any time by contacting us – see our contact details below.
Uses Made of the Information
We may use information held about you in the following ways, to:
- Promote our business to make you aware of products or exclusives you or your clients may find of interest;
- Promote our client’s goods and services which include direct marketing;
- Trace individuals, verification and/or validation of the identity of individuals for the purposes, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification;
- Provide you with information, products or services that you request from us or which we feel may interest you;
- Carry out our obligations arising from any contracts entered into between you and us;
- Allow you to participate in interactive features of our service, when you choose to do so; and
- To notify you about changes to our service.
When contacting you for the above purposes we may do so by phone, post, email or other electronic means, unless you tell us otherwise.
We may share information, including personal data, with the following categories of third parties or suppliers of business to business goods and services, such as:
- Credit reference agencies
- Debt collection agencies
- Business identification and assessment
We collect and store personal data for two purposes.
1. We may be processing a mortgage application on your behalf. In which case we will retain information regarding this transaction indefinitely.
2. If we are holding data on a business introducing enquiries to us we will only retain your personal data for as long as we believe it is up-to-date.
We verify our data periodically and if we learn that you are no longer involved with a business that is in our database, we will remove your data from our records.
You have the right to:
- Request to see the personal data we hold about you. This includes the right to obtain a confirmation as to whether or not we process any of your personal data;
- Request that we correct any inaccuracies in the personal data that we hold on you;
- From May 2018, in certain circumstances you may have the right to be forgotten (i.e. to have your personally identifiable data deleted). In many cases we would recommend that we supress you from future communications, rather than data deletion. If you have applied for a mortgage, drawn down funds or redeemed a mortgage we will retain the data indefinitely;
- In certain situations you have the right to ask for processing of your personal data to be restricted because there is some disagreement about its accuracy or legitimate usage;
- Request that we do not process your personal data for direct marketing and that we will keep your contact details to ensure that no further contact is made;
- Object to our processing of your personal data if we are relying on legitimate interest as the lawful ground for processing; and
- Request the transfer of any personal data you have provided to us to a different organisation.
If you wish to talk to us about any of the above please drop us an email to our data protection manager at email@example.com. We may also ask you for proof of your identity and address (e.g. a copy of your driving licence and/or passport, and a recent utility or credit card bill). This is so that we can check that any information we disclose is only provided to the authorised party.
If you have any concerns or complaints about our privacy activities, you can contact our data protection manager firstname.lastname@example.org. You can also contact the Information Commissioner’s Office on 0303 123 1113 (www.ico.org.uk). Our Data Protection Licence reference number is ZA478214.
This may include information on type of browser software, website activity and IP address.
The main purposes of the cookies we use are:
- Session – to allow the user to navigate our sites more easily; for example you don’t have to go in as a new user every time.
- Analytics – to improve the user experience of the site by providing statistics on how the site is used.
- Authentication – this enables us to identify you and therefore where appropriate, personalise information for you.
- Dunking in coffee
- Advertising – Our third party cookies allow advertisers to display on the websites you visit, relevant offers based on your consumption habits as well as measure the performance of their advertising campaigns. To work, this service is based on the deposit of a cookie on your browser when opening an email or your visit to the site of one of our partners. They only tell us your encrypted email address in an irreversible way and thus allowing us to create a technical key associated with our cookies. By depositing our cookies some technical information can be automatically collected (such as IP, your operating system or your browser type). Our cookies do not track your navigation. We do not store any information related to your connection. You can at any time easily oppose the deposit of our cookie by clicking on this link: http://www.youronlinechoices.com/uk/your-ad-choices
How to Refuse and Delete Cookies
You can refuse to accept all or some cookies by modifying settings within your browser – for help on how to do this visit http://www.aboutcookies.org.uk. You may also delete all cookies on your browser – click help on your browser or visit http://www.aboutcookies.org.uk
Please remember that if you block the session cookies you may be unable to access certain parts of our sites.