James Perry Capital | Property Finance Solutions

1. Introduction

James Perry Capital Ltd (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website (www.jamesperrycapital.co.uk) or use our services.

James Perry Capital Ltd is the data controller responsible for your personal data. We are registered in England and Wales, Company No. 12345678, with our registered office at 7 The Pantiles, Tunbridge Wells, Kent, TN2 5TN.

We are authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number: 123456. We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

We may collect and process the following categories of personal data:

Identity Data: Full name, title, date of birth, and identification documents.
Contact Data: Email address, telephone number, postal address.
Financial Data: Income details, employment information, bank account details, credit history, and other financial information relevant to your application.
Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website.
Usage Data: Information about how you use our website, products, and services.
Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

We collect personal data directly from you (via forms, email, telephone, or in person), from third parties (such as credit reference agencies, fraud prevention agencies, and other lenders), and automatically through your use of our website (via cookies and similar technologies).

3. How We Use Your Information

We use your personal data for the following purposes:

To process and assess your applications for our financial products and services.
To manage your account and provide you with the products and services you have requested.
To conduct credit checks and affordability assessments.
To comply with our legal and regulatory obligations, including those imposed by the FCA, HMRC, and anti-money laundering regulations.
To communicate with you about your account, application status, and our products and services.
To improve our website, products, and services.
To prevent and detect fraud and financial crime.
To send you marketing communications where you have provided your consent or where we have a legitimate interest to do so.

4. Legal Basis for Processing

We will only process your personal data where we have a lawful basis to do so. The legal bases we rely on include:

Contract: Processing is necessary for the performance of a contract with you, or to take steps at your request before entering into a contract.
Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject (e.g., FCA regulations, anti-money laundering laws, tax obligations).
Legitimate Interests: Processing is necessary for our legitimate interests or those of a third party, provided your rights do not override those interests (e.g., fraud prevention, improving our services).
Consent: You have given clear consent for us to process your personal data for a specific purpose (e.g., marketing communications).

5. Data Sharing

We may share your personal data with the following categories of third parties:

Credit Reference Agencies: To conduct credit checks and verify your identity.
Fraud Prevention Agencies: To prevent and detect fraud and financial crime.
Regulatory Bodies: Including the FCA and HMRC, where required by law.
Professional Advisors: Such as solicitors, valuers, and accountants involved in your transaction.
Service Providers: Third parties who provide IT, system administration, and other services to us.
Lending Partners: Where we arrange finance through third-party lenders on your behalf.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions. We do not sell your personal data to any third party.

6. Data Retention

We will retain your personal data only for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements.

In general, we retain personal data relating to completed financial transactions for a minimum of six years from the end of the relationship, in line with FCA requirements and the Limitation Act 1980. Data relating to unsuccessful applications is typically retained for three years. We may retain certain data for longer periods where required by law or where we have an ongoing legitimate business need to do so.

7. Your Rights Under UK GDPR

Under the UK General Data Protection Regulation, you have the following rights in relation to your personal data:

Right of Access: You have the right to request a copy of the personal data we hold about you.
Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
Right to Erasure: You have the right to request that we delete your personal data in certain circumstances.
Right to Restriction of Processing: You have the right to request that we restrict the processing of your personal data in certain circumstances.
Right to Data Portability: You have the right to request that we transfer your personal data to another organisation, or directly to you, in certain circumstances.
Right to Object: You have the right to object to the processing of your personal data where we are relying on legitimate interests as the legal basis.
Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within one month. There is no fee to exercise your rights, although we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. We may also need to verify your identity before processing your request.

8. Cookies

Our website uses cookies and similar tracking technologies to distinguish you from other users and to provide you with a better experience. Cookies are small data files that are placed on your device when you visit a website.

We use the following types of cookies:

Strictly Necessary Cookies: Required for the operation of our website. They enable core functionality such as security, network management, and accessibility.
Analytical/Performance Cookies: Allow us to recognise and count the number of visitors and see how visitors move around our website. This helps us improve the way our website works.
Functionality Cookies: Used to recognise you when you return to our website. This enables us to personalise our content for you and remember your preferences.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our website may become inaccessible or not function properly.

9. Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way, altered, or disclosed. We use encryption, firewalls, and secure server technology to protect your data. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have also put in place procedures to deal with any suspected personal data breach and will notify you and the Information Commissioner's Office of a breach where we are legally required to do so.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any changes will be posted on this page with an updated revision date. We encourage you to review this Privacy Policy periodically. Where changes are significant, we will notify you by email or by placing a prominent notice on our website.

11. Contact and Complaints

If you have any questions about this Privacy Policy, or if you wish to exercise any of your rights, please contact us:

Data Protection Officer: James Perry Capital Ltd
Address: 7 The Pantiles, Tunbridge Wells, Kent, TN2 5TN
Phone: +44 (0)1892 500 000
Email: [email protected]

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues:

Website: www.ico.org.uk
Telephone: 0303 123 1113
Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.

Last updated: February 2026