Privacy Policy

Who we are

Capra Finance Ltd is a UK business finance broker. Our company number is 17443060. In this policy, "Capra", "we", "us" and "our" mean Capra Finance Ltd.

Email: hello@caprafinance.co.uk

Phone: 01279 744159

Office: Capra Finance, 1 The Exchange, 9 Station Rd, Stansted Mountfitchet, Essex, CM24 8BE

Who this policy covers

This policy covers people who visit caprafinance.co.uk, submit an enquiry, request a callback, book a demonstration, apply for or discuss business finance, use Capra Connect, upload documents, or communicate with us as a customer, supplier, dealer, lender or professional contact.

What information we collect

Contact and enquiry details

Name, email address, phone number, company name, role, area of interest and messages you send to us.

Finance and proposal details

Information about the asset, supplier, funding amount, deposit, term, quote, application, business profile, trading history, company details, addresses, directors and supporting documents.

Portal and communication records

Capra Connect account activity, login and security data, uploaded documents, case notes, quote activity, email activity and support requests.

Website and technical data

Device, browser, IP address, page activity and cookie choices. Google Analytics uses cookies and browser identifiers after you choose “Accept all cookies”, or according to your previously saved analytics choice. It measures visits and website use, plus Capra’s calculator, enquiry and contact events, without sending the answers you type into forms. Choosing “Essential only” keeps optional analytics off. Advertising personalisation remains disabled. You can withdraw consent at any time through Cookie settings. See our Cookie policy for details.

Public and verification data

Information from Companies House or other public business sources where it helps verify company identity, trading status or business age.

How we use your information

To respond to enquiries, callbacks and demonstration requests.
To prepare quotes, applications and finance proposals.
To introduce business customers to lenders, funders or finance partners.
To run Capra Connect, manage access and support users.
To check identity, business details, fraud risk and proposal suitability.
To keep records of communications, decisions and documents.
To improve the website, forms and customer journey where analytics consent has been given.
To meet legal, accounting, compliance and security obligations.

Our lawful bases

We use personal information where we need it to take steps before entering into a contract, perform a contract, meet a legal obligation, pursue legitimate business interests, or where you have given consent. Consent is used for optional analytics cookies and may also be used for certain marketing communications.

We only share information where it is needed for the enquiry, proposal, service, legal requirement or business operation. This may include lenders, funders, brokers, suppliers or dealers connected to your proposal, CRM and form providers such as HubSpot, website hosting and analytics providers, document and email providers, professional advisers, regulators or law enforcement where required.

We do not sell personal information.

How long we keep information

We keep information only for as long as we need it. Enquiry records are normally kept for up to two years. Customer, proposal, finance and business records are normally kept for up to six years after the relationship or matter ends, unless we need to keep them longer for legal, accounting, dispute or compliance reasons.

International transfers

Some of the systems we use may process data outside the UK. Where this happens, we expect appropriate safeguards to be in place, such as UK-approved contractual protections or equivalent transfer mechanisms.

Automated checks

Parts of the website or Capra Connect may use automated checks to pre-fill company details, estimate business age or route an enquiry. These checks help speed up the journey, but Capra Finance does not make a final finance decision using website automation alone. Any formal approval remains subject to lender assessment.

Your rights

You can ask to access, correct, delete, restrict or transfer your personal information. You can also object to certain uses of your information and withdraw consent where processing is based on consent. To make a request, contact us at hello@caprafinance.co.uk.

If you are unhappy with how we handle your data, you can complain to the Information Commissioner's Office at ico.org.uk.

Security

We use practical security measures to protect personal information, including access controls, account protection, secure hosting and internal controls around documents and portal access. No system is risk-free, but we work to keep data protected and only accessible to people who need it.