Privacy Policy

 

LendInvest Capital  respects your right to privacy and will only process your personal information in accordance with the Data Protection Act 1998 and any other applicable laws and regulations. In particular, we are committed to keeping your personal information confidential and will only give it to others for the purposes set out in this Privacy Policy.

 

This privacy policy governs the collection, storage and use of personal information collected by us, LendInvest Capital, via our website at www.lendinvestcapital.com and by using our services. It provides you with details about the personal information we collect from you, how we use your personal information and your rights to control personal information we hold about you. Please read this privacy policy carefully – by accessing and using this website, you confirm that you have read, understood and agree to this privacy policy in its entirety. If you do not agree to this privacy policy in its entirety, you must not use this website or our services. We may update this Privacy Policy from time to time and so you should check back periodically. By continuing to use our website or our services, you agree to any such updates or amendments.

 

In this privacy policy, the following terms have the meanings set out below:

  • “LendInvest Capital”, “we”, “us” and “our” means LendInvest Capital Management Limited, with registered number 08906932;
  • “LendInvest Group” means LendInvest Limited (with company number 08146929), its subsidiaries and holding companies and any subsidiaries of those holding companies;
  • “you” and “your” means a user of the website and the services provided via it.

 

The information we may collect about you

 

(a) When you access or browse this website (including when you submit personal information to us through data entry fields on the website), continue to use this website and through our application or verification processes, we may collect information from you, which may include the following personal information:

(i) your name;

(ii) your current and previous postal addresses;

(iii) your phone, fax and email details;

(iv) your date of birth;

(v) your passwords and security question answers;

(vi) comments you make on blogs and discussion forums on the website; and

(vii) correspondence with us by email and post.

 

We may also collect:

(viii)  financial information (including bank or building society account details and details of debit cards used in relation to our services);

(ix)   sensitive information (such as any medical information you disclose to us (although we will always get specific permission from you before recording this type of information));

(ix) information you provide in our registration or application processes (including, if you are a borrower, agent or investor, certain personal, identity, contact and financial information about directors, partners, members, shareholders, beneficial owners and guarantors); and

(x) data about your activities using LendInvest, including information about your computer (for example, your IP address, operating system and browser type): for more information please see our Cookies policy below.

 

(b) We may also obtain information about you from third parties including credit reference agencies, fraud prevention agencies, insolvency practitioners, debt advisers, tracing agents, commercial databases, marketing databases, public records and other publicly available information sources, including information about your business or company (e.g. previous credit applications, personal credit information, electoral register and fraud prevention information).

(b) If you give us false or inaccurate information and we suspect or identify fraud, we will record this.

(c) If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

 

What we do with the information we gather

 

Your information will be used to provide you with information and services that you request from us, to enable us to provide you with information that we feel may be of interest to you and for other legitimate business purposes. This may include using your information to improve our products and services. Where you have consented to us doing so, 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 and may provide your details to carefully selected third parties for the same purpose.

 

Where you have consented to us doing so, we may, from time to time, also use your information to contact you for market research purposes. We may contact you by email, phone or mail. We may use the information to customise the website according to your interests.

 

Remarketing is a way for us to connect with users, based upon your past interactions with the LendInvest Capital website. Third-party marketing vendors may be hired by LendInvest Capital to perform remarketing services. As a result, third-party vendors, including Google, may show LendInvest Capital ads on sites on the internet. Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to the LendInvest Capital website.

 

How we may share the information we collect about you

 

Information you provide may be shared with the LendInvest Group and our service providers. We may disclose your information to third parties where you have consented for us to do so, where we are under a legal, regulatory or professional obligation to do so, or where we merge, reorganise or transfer all or part of our business we may disclose information to successors of the business.

 

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

(i) checking details on applications for credit and credit related or other facilities

(ii) managing credit and credit related accounts or facilities

(iii) recovering debt

(iv) checking details of job applicants and employees

 

Please contact us if you want to receive details of the relevant fraud prevention agencies.

 

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

 

We may also collect anonymised details about visitors to the website for the purposes of aggregate statistics or reporting purposes and to calculate referral fees. However, no single individual will be identifiable from the anonymised details we collect or disclose for these purposes.

 

What Credit Reference and Fraud Prevention Agencies do

 

(a) When credit reference agencies receive a search from us they will:

(i) place a credit search “footprint” on your company credit file whether or not your application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when your business applies for credit in the future;

(ii) place an enquiry search on the personal credit files of any director/owner or partner that have been searched. Place an associate enquiry search on your personal financial partner’s credit file, if that is checked, if they are a director. These enquiry searches will not be seen by other organisations if any director/owner or partner applies for credit in the future;

(iii) link together the previous and subsequent names advised by you, of anyone that is a party to the account;

(iv) place an enquiry or identification search on the record of any shareholder who is a beneficial owner and who we have checked;

(v) create a record of the name and address of your business and its proprietors if there is not one already.

 

(b) Credit reference agencies supply the following information to us:

(i) information about your business or company, such as previous applications for credit and the conduct of the accounts and also similar personal credit information in your name and of your business partners;

(ii) public information such as County Court Judgments (CCJs) and bankruptcies;

(iii) electoral register information on you and your business partners;

(iv) fraud prevention information; and

(v) confirmation or otherwise that the usual residential addresses supplied by directors match those on the restricted register held at Companies House (or for those directors’ addresses registered under section 243 of the Companies Act, that the usual residential addresses supplied by directors match those on the credit reference agency’s proprietary business directory).

 

(c) Credit reference agencies will keep records of outstanding debt on file for six years after they are closed, whether settled by you or defaulted.

 

(d) Your information will not be used by credit reference agencies to create a blacklist or to make a decision.

 

(e) The information which we and other organisations provide to the credit reference agencies and fraud prevention agencies about you, your business partners and details about your business may be supplied by credit reference agencies and fraud prevention agencies to other organisations and used by them to:

(i) prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities;

(ii) check the operation of credit and credit-related accounts;

(iii) verify your identity if you or your business partner(s) applies for other facilities;

(iv) make decisions on credit and credit related services about you and/or your business partner, or your business;

(v) manage your personal, your business partner’s and/or business credit or credit related account(s);

(vi) trace your whereabouts and recover debts that you owe;

(vii) conduct other checks to prevent or detect fraud; and

 

(f) undertake statistical analysis and system testing.

 

Organisations may access and use from other countries the information recorded by fraud prevention agencies.

 

What cookies do we use?

 

We use the following cookies:

(i) Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website. They do not gather information about you that could be used for marketing purposes or remembering where you’ve been on the Internet.

(ii) Analytical/performance cookies. They allow us to collect information about how you use our website, such as, how you move around our website and if you experience any errors. These cookies do not collect any information that could identify you; all of the information collected is anonymous and is only used to help us improve the way our website works, understand what interests our users and measure how effective our advertising is.

(iii) Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences and improve your visit.

 

Generally, cookies which are strictly necessary for the operation of the website will expire when you leave the website. Other cookies may be more permanent or not expire unless you actively delete them.

 

How to reject cookies

 

If you want to reject any of the cookies that we use, then you will need to change your website browser settings.

 

Security

 

Whilst we take appropriate technical and organisational measures to safeguard the personal information that you provide to us, we accept no liability if communications are intercepted by third parties or incorrectly delivered or not delivered.

 

Opt-out terms

 

You may “opt-out” of receiving promotional emails from LendInvest Capital by following the instructions in those emails. You may also send requests relating to promotional messages and your permission for sharing information with third parties for their marketing purposes by emailing [email protected] Opt-out requests will not apply to transactional service messages, including messages about your current LendInvest Capital services.