Hope Capital (“we,” “our,” or “us”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you interact with us, whether through our website, emails, or any other form of communication.

1. Information we Collect

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

• Personal identification information (e.g., name, address, phone number, email address, date of birth)
• Financial information (e.g., income details, bank details, transaction history)
• Employment and business information (e.g., job title, company name, industry)
• Technical information (e.g., IP address, browser type, operating system, cookies, and website usage data)
• Marketing and communication preferences (e.g., subscription preferences and survey responses)

2. How we Collect your Information

We collect personal data through:

• Direct interactions – when you fill out forms, apply for a loan, contact us, or subscribe to our communications
• Automated technologies – when you interact with our website via cookies and tracking tools
• Third parties – including credit reference agencies, business partners, and publicly available sources

3. How we use your Information

We use your information to:

• Process and manage loan applications
• Conduct identity verification and fraud prevention checks
• Provide customer support and respond to inquiries
• Improve our services, products, and website functionality
• Send marketing communications (only if you have consented)
• Fulfil legal and regulatory obligations

4. Sharing your Information

We may share your data with:

• Service providers and business partners – such as IT providers, marketing agencies, and payment processors
• Regulatory bodies – to comply with legal and regulatory requirements
• Credit reference agencies (CRAs) – to assess creditworthiness, verify identity, and prevent fraud (see detailed section below)
• Legal and professional advisors – where required for compliance and business operations

We will never sell or rent your personal information to third parties.

5. Sharing Data with Credit Reference Agencies (CRAs)

In order to process your application, we will perform credit and identity checks on you with one or more Credit Reference Agencies (CRAs). We may also carry out further periodic searches at CRA’s to allow us to manage your account with us.

To do this, we will supply your personal information to CRAs. This will include your name, date of birth and residential address. It may also include additional information such as your salary, previous residential addresses and other information you provide as part of your credit application.

The CRAs will match this information to the records they hold about you, and provide in return, both public information (including the electoral register) and shared credit information in relation to your financial situation and financial history.

CRA’s will supply to us both public (including the electoral register) and shared credit, financial

situation and financial history information and fraud prevention information.

We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product
• Verify the accuracy of the data you have provided to us
• Prevent criminal activity, e.g. fraud and money laundering
• Manage your account(s)
• Trace and recover any debts; and
• Ensure any offers provided to you are appropriate to your circumstances

We will continue to exchange information about you with CRA’s while you have a relationship with us. We will also inform the CRA’s about your settled accounts. If you borrow and do not repay in full or on time, CRA’s will record the outstanding debt. This information may be supplied to other organisations by CRA’s.

When CRA’s receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a joint application or tell us that you have a spouse of a financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRA’s will also link your records together and these links will remain on your and their files until such time as your partner successfully files for a disassociation with the CRA’s to break the link.

The identities of the CRA’s, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRA’s are explained in more detail at www.equifax.co.uk/crain. 

6. Data Security

We take appropriate security measures to protect your personal data from unauthorised access, loss, or misuse. However, no method of transmission over the internet is entirely secure, so we encourage you to take precautions when sharing personal data online.

7. Data Retention

We will retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy, unless a longer retention period is required by law.

8. Your Rights

You have the following rights regarding your personal data:

• Access – Request a copy of the personal data we hold about you
• Correction – Request corrections to inaccurate or incomplete data
• Erasure – Request deletion of your personal data under certain circumstances
• Restriction – Request to limit processing of your data
• Objection – Object to processing of your data for specific purposes, including direct marketing
• Data portability – Request transfer of your data to another provider
• Withdraw consent – Withdraw your consent for marketing communications at any time

To exercise your rights, please contact us at hello@hope-capital.co.uk

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance user experience and collect website usage data. For more details, please review our Cookie Policy: Cookie Policy (UK) – Hope Capital.

10. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of such sites and encourage you to review their privacy policies.

11. Changes to this Policy

We may update this Privacy Policy periodically. Any significant changes will be communicated via our website or email. Please review this policy regularly to stay informed.

12. Contact us

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

Hope Capital Ltd
Alaska House, No.1 Atlantic Park, Dunnings Bridge Road, Liverpool, L30 4AB

Email: hello@hopecapital.co.uk
Phone: 0151 523 5998

By using our services, you acknowledge that you have read and understood this Privacy Policy.

Last updated: 29/07/2025

Document owner: Head of Marketing and Communications