Authorised & regulated by the Financial Conduct Authority.

Fixed Rate Bonds and ISAs
feefo rating

Privacy Policy

This privacy policy sets out how London Capital & Finance Plc uses and protects any information that you (customers, clients and bondholders) give London Capital & Finance Plc.

1. Scope

We’re committed to keeping your personal information secure. To provide our products and services we need accurate customer information.

All data subjects whose personal data is collected, in line with the requirements of the Data Protection Act 2018 and the General Data Protection Regulation ("GDPR").

2. Responsibilities

2.1 The Data Protection Officer is responsible for ensuring that this notice is made available to data subjects prior to London Capital & Finance Plc ("LC&F") collecting/processing their personal data.

2.2 All employees of LC&F who interact with data subjects are responsible for ensuring that this notice is drawn to the data subject’s attention and their consent to the processing of their data is secured.

2.3 LC&F is registered with the Information Commissioner’s Office as data controller and processor under number ZA028226.

2.4 You are required to keep us updated of any changes in your personal information we collect.

3. Privacy notice

3.1 Who are we?

Our Data Protection Officer can be contacted directly here:
Kobus Huisamen
[email protected]

In order for us to provide you with a service we need to collect personal data for correspondence purposes. If you do not wish to provide us with your personal data, you should not apply for a product or service with us.

We may collect the following information:

  • Name and job title.
  • Name and job title.
  • Contact information including email address.
  • Demographic information such as postcode, preferences and interests.
  • Personal financial information.
  • Other information relevant to customer surveys and/or offers.
  • Special categories of personal data to enable us to, inter alia, protect vulnerable customers.
  • Information you may have disclosed to us which may have been stored in digital or audio-visual formal.
  • We may also collect technical information when you use our services, such as IP address, browser type, operating system and platform.
  • We also collect telephone log information including telephone numbers, call duration, time and date of call and a voice recording of the call.
  • We may also collect email interaction information including the time and date of the email and open and click activity.

In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose and does not constitute an invasion of your privacy.

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • To operate your investment account and deliver products and services.
  • To process applications for our products and services.
  • To undertake customer analysis for product development.
  • To ensure our products and services are relevant to you and presented in an effective manner.
  • To ensure adherence to various legislation and regulations.
  • For staff training and monitoring.
  • To notify you of changes to our services.
  • Internal record keeping and to endeavour in keeping your data secure.
  • We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise our websites and other media (printed or digital) according to your interests.

Our lawful basis for processing for the personal data, as defined under Article 6 of the GDPR:

  • Contractual necessity – personal data is processed in order for you to enter into a contract (such as providing services and/or financial products). If you do not wish for us to collect and process your personal data, you should not apply for any products or services with us.

How will London Capital & Finance Plc use the personal data it collects about me?

London Capital & Finance Plc will process (collect, store and use) the information you provide in a manner compatible with the EU’s GDPR and the UK’s Data Protection Regulations 2018. We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary and as required. London Capital & Finance Plc is required to retain information in accordance with the law, such as information needed for income tax and audit purposes. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs. We may also use the information to improve our products and services.

Under what circumstances will London Capital & Finance Plc contact me?

Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimise the risk of unauthorised access or disclosure.

3.3 Disclosure

Consent is not a requirement for our products and services, but you may opt out of any promotional and marketing material sent to you.

3.3 Disclosure

We may share your information in the following circumstances:

  • London Capital & Finance Plc uses specialist service providers in order for us to provide products and services to you. These external specialists provide various services required by London Capital & Finance Plc, which London Capital & Finance Plc may not be able to or may be restricted from providing. Your data will be processed and where needed stored by these providers who are providing services under agreement.
  • We will also share your information with analytics and search engine providers to improve the optimization of our website and business.
  • In addition, we may share your information with fraud prevention agencies and crime fighting agencies.

3.4 Retention period

London Capital & Finance Plc will store your data for three years but may be required by various regulations to store it for longer, usually up to six years, but certain records may be required to hold indefinitely.

3.5 Your rights as a data subject

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

  • Right of access – you have the right to request a copy of the information that we hold about you.
  • Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
  • Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records. We will retain the minimum to prove that your data was erased.
  • Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
  • Right of portability – you have the right to have the data we hold about you transferred to another organisation.
  • Right to object – you have the right to object to certain types of processing such as direct marketing.
  • Right to object to automated processing, including profiling – you also have the right to be subject to the legal effects of automated processing or profiling.
  • Right to judicial review: in the event that London Capital & Finance Plc refuses your request under rights of access, we will provide you with a reason as to why. You have the right to complain as outlined in clause 3.6 below.

All of the above requests will be forwarded on should there be a third party involved (as stated in 3.3 above) in the processing of your personal data.

3.6 Complaints

In the event that you wish to make a complaint about how your personal data is being processed by London Capital and Finance Plc (or third parties as described in 3.3 above), or how your complaint has been handled, you have the right to lodge a complaint directly with London Capital & Finance Plc’s data protection representative Data Protection Officer.

The contact details are:

Data Protection Officer (DPO)
Contact Name: Kobus Huisamen
Address line 1: London Capital & Finance Plc
Address line 2: The Old Coach House
Address line 3: Eridge Park, Eridge Green
Address line 4: Tunbridge Wells
Address line 5: TN3 9JS
Email: [email protected]
Phone: 0203 861 9060

4. Online privacy statement

Personal data

Under the GDPR personal data is defined as:

  • "any information relating to an identified or identifiable natural person ('data subject'); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person".

How London Capital and Finance Plc use cookies:

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer.

This may prevent you from taking full advantage of the website.

Links to other websites

Our websites may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Can I find out the personal data that the organisation holds about me?

LC&F at your request, can confirm what information we hold about you and how it is processed. If LC&F does hold personal data about you, you can request the following information:

  • Identity and the contact details of the person or organisation that has determined how and why to process your data. In some cases, this will be a representative in the EU.
  • Contact details of the data protection officer, where applicable.
  • The purpose of the processing as well as the legal basis for processing.
  • If the processing is based on the legitimate interests of LC&F or a third party, information about those interests.
  • The categories of personal data collected, stored and processed.
  • Recipient(s) or categories of recipients that the data is/will be disclosed to.
  • If we intend to transfer the personal data to a third country or international organisation, information about how we ensure this is done securely. The EU has approved sending personal data to some countries because they meet a minimum standard of data protection. In other cases, we will ensure there are specific measures in place to secure your information.
  • How long the data will be stored.
  • Details of your rights to correct, erase, restrict or object to such processing.
  • Information about your right to withdraw consent at any time.
  • How to lodge a complaint with the supervisory authority.
  • Whether the provision of personal data is a statutory or contractual requirement, or a requirement necessary to enter into a contract, as well as whether you are obliged to provide the personal data and the possible consequences of failing to provide such data.
  • The source of personal data if it wasn’t collected directly from you.
  • Any details and information of automated decision making, such as profiling, and any meaningful information about the logic involved, as well as the significance and expected consequences of such processing.

What forms of ID will I need to provide in order to access this?

LC&F accepts the following forms of ID when information on your personal data is requested:

  • Passport
  • Driving Licence
  • Other forms may be admitted on a case by case basis if you do not hold any of the former forms of ID

The contact details are:

Data Protection Officer (DPO)
Contact Name: Kobus Huisamen
Address line 1: London Capital & Finance Plc
Address line 2: The Old Coach House
Address line 3: Eridge Park, Eridge Green
Address line 4: Tunbridge Wells
Address line 5: TN3 9JS
Email: [email protected]
Phone: 0203 861 9060


Changes to our privacy policy

If we make any changes to our privacy policy they will be posted here and if appropriate, you will be notified via email.

Document Owner and Approval

The Data Protection Officer is the owner of this document and is responsible for ensuring that this record is reviewed in line with the review requirements of the Data Protection Act 2018 and the GDPR.

Disclaimer

London Capital & Finance Plc(“LC&F”) offer bonds with fixed interest rates and are asset-backed for security. A detailed presentation of each bond offered can be found in the respective Information Memorandum, which has been approved for promotion for the purposes of section 21 of the Financial Services and Markets Act 2000 (“FSMA”) by London Capital & Finance Plc (“LC&F") of The Old Coach House, Eridge Park, Eridge Green, Tunbridge Wells, Kent. TN3 9JS. LC&F is authorised and regulated by the Financial Conduct Authority with FRN 722603. This website is not intended to be a source of advice or credit analysis and the information contained herein does not constitute investment advice. Therefore, any decision in connection with funds, instruments or transactions described or mentioned within this website must be made solely on the information contained in the relevant Information Memorandum and no reliance should be placed on any other representations. Investors should note that repayment of the bonds offered by London Capital & Finance Plc, and the payment of interest on the bonds, depends on the performance of loans made by London Capital & Finance Plc to various UK businesses. In the event that these borrowers default on the loans, investors may lose some or all of their investment. Investment in the bonds of London Capital & Finance Plc is therefore speculative and involves a degree of risk.

Our investments have fixed annual interest rates of 6.5%, 8% and 8.95%, over 2, 3 and 5 years respectively. Calculate your returns

We use the funds from these products to help businesses plug the significant short-fall in the availability of corporate funding, by making loans to carefully selected UK companies. Find out more

Qualifying companies must demonstrate their ability to meet their loan commitments and provide assets as security which are worth more than the amount of the loan. Currently we hold £300 million assets protecting £197 million in loans1. Find out more

As at 31 August 2018, we have a 100% record in repaying our investors their interest and capital in full, and none of our borrowers have defaulted on their loans5.