Privacy Policy - Key Capital Limited
- Introduction
Welcome to Key Capital Limited (“we”, “us”, or “our”). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you interact with our services, visit our website, or contact us in any capacity.
Key Capital Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 779705).
- Definitions
- Personal Data: Information relating to an identified or identifiable natural person.
- Processing: Any operation performed on personal data, such as collection, storage, use, or disclosure.
- Controller: The entity determining the purpose and means of processing personal data.
- Processor: A third party that processes data on behalf of the controller.
- Information We Collect
We may collect and process the following categories of information:
- Personal Identification Information: Name, address, email, phone number, date of birth, national insurance number, and identification documents.
- Financial Information: Employment details, income, credit history, bank details, assets, liabilities, and other financial information required for arranging financial or insurance services.
- Property Information: Property address, valuation, purchase price, mortgage balance, and related details.
- Communication Data: Emails, SMS messages, call logs, and other correspondence.
- Technical Data: IP address, device information, browser type, operating system, and cookies.
- Usage Data: Interactions with our website, tools, and digital systems.
- How We Use Your Information
We use your personal data to:
- Provide Our Services: Arrange finance solutions, submit applications, liaise with lenders/insurers, and assess product suitability.
- Regulatory Compliance: AML checks, fraud prevention, identity verification, and FCA reporting obligations.
- Service Improvement: Analyse performance, enhance user experience, and develop our products.
- Marketing (with consent): Share updates or offers relevant to your needs.
- Customer Support: Manage enquiries, provide updates, and address complaints.
- Legal Basis for Processing
We rely on one or more of the following lawful bases:
- Contractual Necessity
- Legal Obligation
- Legitimate Interests
- Consent (for marketing or specific disclosures)
- Sharing Your Information
We may share your data with:
- Lenders, Insurers, and Financial Institutions
- Service Providers: IT, CRM, marketing, legal, compliance, analytics
- Regulators: FCA, HMRC, law enforcement, or other legally authorised bodies
- Third parties with your explicit consent
- We do not sell your personal data.
- International Transfers
If your data is transferred outside the UK or EEA, we will use legally approved safeguards (e.g., Standard Contractual Clauses).
- Data Retention
We retain personal data only as long as necessary:
- Financial/transactional data: 6 years
- Communications: up to 6 years
- Marketing data: until you withdraw consent
- Your Rights
You have the right to:
- Access your data
- Correct inaccurate information
- Request deletion (subject to regulation)
- Restrict processing
- Object to processing
- Request data portability
- Withdraw consent
- Lodge a complaint with the ICO
To exercise these rights, contact us at capital@keycapital.uk
- Cookies & Tracking
We use cookies and similar tracking technologies to enhance your browsing experience, analyse website performance, and deliver relevant content. These may include:
-
Essential cookies: Required for website functionality and security.
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Analytical cookies: To understand website usage and improve performance.
-
Marketing cookies: Used only with your consent to deliver relevant content or advertising.
You can control or disable cookies through your browser settings.
For more information, please refer to the guidance available at www.allaboutcookies.org.
- Data Security
We implement measures including:
- Encryption
- Access controls
- Firewalls
- Regular cybersecurity assessments
- While robust, no security system is entirely infallible.
- Automated Decision-Making
We do not use automated decision-making that has legal or significant effects on you. If this changes, we will update this policy.
- Children’s Privacy
Our services are not intended for individuals under 18.
- Third-Party Links
External sites are governed by their own privacy policies. We are not responsible for third-party practices.
- Data Breach Procedures
In case of a breach, we will investigate, notify affected users as required, and comply with ICO guidelines.
- Changes to This Policy
We may update this Privacy Policy periodically. The latest version will always be available on our website.
- Contact Us
If you have any questions or requests regarding this Privacy Policy, please contact:
Key Capital Limited
Berkeley Square House
Berkeley Square
London W1J 6BD
Email: capital@keycapital.uk
Phone: 0203 687 0533
