Privacy policy

Who we are

This website is operated by Capital 4 Business (C4B) Limited, trading as C4B Finance, a finance broker based in Wrexham and supporting clients across the United Kingdom. In this policy, “we”, “us” and “our” mean Capital 4 Business (C4B) Limited.

We are the data controller for the personal information you provide to us through this website.

Information we collect

When you contact us or submit an enquiry, we may collect:

• Your full name and business name
• Contact details such as email address, mobile number and landline number
• Details of the facility you are interested in, the amount and term required, and how quickly you need funding
• Financial information you choose to share with us, such as accounts, bank statements and details of existing borrowing
• Technical information such as your device type and basic usage data when you browse the site

How we use your information

We use your information to:

• Respond to your enquiry and discuss your funding requirement
• Assess suitability and approach lenders and funders on your behalf
• Prepare and submit applications with your agreement
• Meet our legal, regulatory and anti-money-laundering obligations
• Keep records of the advice and introductions we provide

Our lawful basis

We rely on your consent where you submit an enquiry, on the performance of a contract or steps taken at your request where we act as your broker, on our legitimate interests in operating and improving our brokerage, and on legal obligation where the law requires us to keep records or carry out checks.

Who we share it with

To arrange finance we share relevant information with lenders, funders, packagers and, where appropriate, valuers, solicitors and accountants involved in your case. We also use trusted service providers for things such as website hosting, email and secure document handling.

We never sell your personal information. We only share it where you have asked us to act for you, or where we are required to do so by law or by a regulator.

Credit searches

Early conversations and indicative terms are based on the information you give us and, where relevant, soft searches that do not affect your credit file. A hard credit search is only carried out once you agree to proceed with a specific lender.

How long we keep it

We keep enquiry records for as long as needed to deal with your enquiry and for a reasonable period afterwards. Where a facility is arranged, we keep records for at least six years after the relationship ends in order to meet our legal and regulatory obligations.

Keeping your information safe

We use appropriate technical and organisational measures to protect your information, including access controls and secure systems for storing documents and correspondence. Access is limited to those who need it to work on your case.

Your rights

Under UK data protection law you have the right to:

• Ask for a copy of the personal information we hold about you
• Ask us to correct information that is inaccurate or incomplete
• Ask us to delete information where we no longer need it
• Object to, or ask us to restrict, certain processing
• Withdraw consent at any time where we rely on it
• Ask us to transfer your information to another provider

Cookies

This website uses only the cookies needed for the site to function and to understand basic usage. You can block or delete cookies through your browser settings, though some parts of the site may not work as intended.

Contact and complaints

If you have a question about this policy, or wish to exercise any of your rights, please get in touch through our enquiry page and mark your message for the attention of the data protection contact at Capital 4 Business (C4B) Limited.

If you are unhappy with how we have handled your information, you can complain to the Information Commissioner’s Office at ico.org.uk.

Changes to this policy

We may update this policy from time to time to reflect changes in our practices or in the law. The version published on this page is the current one.