Privacy Policy

Who we are

Posfin Capital Limited is a UK finance brokerage specialising in bridging finance, secured lending and related finance introductions.

Company number: 12148846. FCA firm reference number: 913022. ICO registration number: ZA542657.

Trading address: 96 Kensington High Street, London W8 4SG.

Registered office: 71-75 Shelton Street, Covent Garden, London WC2H 9JQ.

Telephone: 020 8191 9228.

Email: enquiries@posfincapital.com.

Data protection contact: Byron Hill, Posfin Capital Limited, enquiries@posfincapital.com.

What personal data we collect

We collect and process information needed to assess, package and progress finance enquiries. This may include:

• name, address, email address, telephone number and date of birth;
• home address, security/property address, property ownership, property value, title/debt/charge information and mortgage or secured-loan details;
• loan amount requested, purpose of funds, exit strategy, income, assets, liabilities, bank statements and affordability information where relevant;
• identity, proof-of-address, anti-money-laundering, credit, fraud-prevention and compliance information;
• communications with us, including email, telephone, WhatsApp, web forms, uploaded documents and call notes;
• information about vulnerability, health or personal circumstances where you choose to provide it or where it is relevant to supporting you appropriately.

How we collect personal data

We collect personal data directly from you when you contact us, submit an enquiry, complete a form, send documents, speak to us by telephone or WhatsApp, or otherwise engage with us about finance.

We may also receive or obtain data indirectly from third parties and public sources where this is necessary to assess or progress your enquiry. These sources may include:

• introducers, brokers, lenders, solicitors, accountants, valuers, surveyors and other professional advisers;
• credit reference agencies, fraud-prevention agencies, anti-money-laundering providers and identity-verification providers;
• HM Land Registry, Companies House, the electoral register and other public registers;
• property portals and valuation/comparable-sales sources such as Rightmove, Zoopla and other market-data providers;
• publicly available online information where relevant to verifying property, ownership, business or credit information.

Why we use your personal data

We use your personal data to:

• assess your finance enquiry and identify suitable lender/product routes;
• package and submit your case to lenders or funding partners;
• communicate with you, your representatives, lenders and professional advisers;
• verify identity, prevent fraud and comply with anti-money-laundering and regulatory obligations;
• manage records, complaints, compliance, audit, legal claims and business administration;
• monitor and improve our service and customer outcomes;
• send relevant service communications and, where permitted, information about related products or services.

Lawful bases for processing

Our lawful bases for processing personal data under UK GDPR include:

• performance of a contract or taking steps before entering into a contract;
• compliance with legal and regulatory obligations;
• legitimate interests, including assessing finance enquiries, preventing fraud, managing our business, maintaining records and protecting our legal position;
• consent, where required, including for certain marketing activities or special category data;
• substantial public interest or explicit consent where special category data is processed for vulnerability, support or regulatory reasons.

Who we share personal data with

Where necessary, we may share your data with:

• lenders, funders, bridging lenders, private credit providers and finance partners;
• solicitors, valuers, surveyors, accountants, insurers and other professional advisers;
• credit reference agencies, fraud-prevention agencies, AML/identity-verification providers and compliance service providers;
• IT, CRM, cloud, email, telephony, WhatsApp/business messaging and document-management providers;
• regulators, law enforcement, courts, ombudsman services, HMRC or other public authorities where required;
• any person or organisation you ask us to communicate with, or where you have authorised disclosure.

International transfers

We do not routinely transfer client personal data outside the United Kingdom or European Economic Area for our own purposes.

Some technology, CRM, email, cloud, messaging or document-management providers may process data internationally. Where this happens, we take reasonable steps to ensure appropriate safeguards are in place, such as UK adequacy regulations, the UK International Data Transfer Agreement/Addendum, Standard Contractual Clauses or equivalent protections required by data-protection law.

How long we keep your data

We keep personal data only for as long as reasonably necessary for the purpose for which it was collected and to meet legal, regulatory, accounting, audit, complaint-handling and legitimate business requirements.

As a general rule, we retain client enquiry, application and case records for up to six years after the end of our relationship with you, the closure of the enquiry/case, completion or withdrawal of the transaction, or the last meaningful contact — whichever is later.

We may retain data for longer where required by law, regulation, an ongoing complaint, legal claim, fraud-prevention requirement, regulatory enquiry or where necessary to evidence that we treated you fairly. Where data is no longer required, we will delete, anonymise or securely archive it in line with our retention practices.

Marketing and communications

We may contact you about your finance enquiry, related products or services, and relevant updates. You can ask us to stop marketing communications at any time by contacting us at enquiries@posfincapital.com. We will still send service, legal or transactional communications where necessary.

Cookies and website data

Our website may use cookies and similar technologies to operate the site, understand website usage, improve performance and support enquiry handling. Browser settings can usually be changed to refuse or delete cookies, but some website functions may not work properly if cookies are disabled.

Your data protection rights

Under data protection law, you have rights including the right to be informed, access your personal data, ask for inaccurate data to be corrected, ask for data to be erased, restrict processing, object to processing, data portability, and rights relating to automated decision-making and profiling.

These rights may be subject to legal limits. We will respond to valid rights requests within one month unless the request is complex, in which case we may extend the response period as permitted by law.

How to contact us or complain

If you have questions about this Privacy Notice, the data we hold about you, or you wish to exercise your rights, please contact us:

• Email: enquiries@posfincapital.com
• Telephone: 020 8191 9228
• Address: Posfin Capital Limited, 96 Kensington High Street, London W8 4SG

If you are unhappy with how we have handled your personal data, please contact us first so we can try to resolve the issue. You also have the right to complain to the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Telephone: 0303 123 1113. Website: https://ico.org.uk/global/contact-us/. Email: casework@ico.org.uk.

Updates to this Privacy Notice

We keep this Privacy Notice under regular review and may update it from time to time. This Privacy Notice was last updated on 8 August 2026.