Privacy Policy

Hunter Capital is a trading style of Capital Assets (North) Limited (company registration number 09889854), registered at 1-5 Victoria Street, Chadderton, Oldham, OL9 0HH, United Kingdom. We are Authorised and Regulated by the Financial Conduct Authority (FCA registration number 744716) and registered with the Information Commissioner's Office (ICO registration number ZA181338).

This Privacy Policy explains how we collect, use, store and protect your personal information when you contact us, enquire about our services, or use our website. We are committed to handling your personal data responsibly and in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

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

• Contact details such as your name, email address, telephone number and postal address.

• Information you provide when enquiring about a mortgage or finance product, including details about your financial circumstances, employment, income, expenditure, property and borrowing requirements.

• Information needed to carry out identity, credit and affordability checks, which may include details from credit reference agencies and other third-party data sources.

• Communications between you and us, including records of telephone calls, emails and messages.

• Technical information about how you use our website, such as your IP address, browser type and pages visited.

We use your personal information for the following purposes:

• To respond to your enquiries and provide mortgage and finance advice tailored to your circumstances.

• To search the whole of market for suitable products and present appropriate options to you.

• To progress applications with lenders, insurers and other third parties on your behalf.

• To carry out identity verification, fraud prevention, credit and affordability assessments.

• To meet our legal and regulatory obligations, including those set by the Financial Conduct Authority.

• To communicate with you about your enquiry, application or ongoing relationship with us.

• To improve our website, services and customer experience.

We process your personal data on the following legal bases:

• Where processing is necessary to take steps at your request before entering into a contract for mortgage or finance advice.

• Where processing is necessary for the performance of a contract you have entered into with us.

• Where we have a legal or regulatory obligation to process your data.

• Where we have a legitimate interest in doing so, provided that interest is not overridden by your rights and freedoms.

• Where you have given your consent, for example to receive marketing communications. You may withdraw consent at any time.

We may share your personal information with:

• Lenders, insurers and other finance providers as part of sourcing and progressing an application.

• Credit reference agencies and fraud prevention agencies for identity, credit and affordability checks.

• Professional advisers, auditors and regulators where required.

• Service providers who support our operations, such as IT and communications providers, under appropriate contractual safeguards.

We do not sell your personal data to third parties. We conduct both regulated and unregulated business, and not all products provided through us are regulated by the Financial Conduct Authority. We source finance from the whole of market and may receive commissions that vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Your personal information is primarily stored and processed within the United Kingdom. Where any data is transferred outside the UK, we will ensure appropriate safeguards are in place to protect your information in line with UK data protection law.

We retain your personal information for as long as necessary to provide our services to you and to meet our legal, regulatory and contractual obligations. This may include retaining records for a period after our relationship ends, as required by the Financial Conduct Authority and other applicable laws.

Under UK data protection law, you have the right to:

• Be informed about how we use your personal data.

• Access the personal data we hold about you.

• Rectify any inaccurate or incomplete personal data.

• Erase your personal data in certain circumstances.

• Restrict or object to the processing of your data.

• Data portability.

• Withdraw consent at any time where processing is based on consent.

• Lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk.

To exercise any of these rights, please contact us using the details below.

We take appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, disclosure or destruction. However, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.

Our website may use cookies and similar technologies to improve functionality and your browsing experience. Further information about how we use cookies is available in our Cookie Policy.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated version will be published on this page with a revised date.

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Hunter Capital (Capital Assets (North) Limited)

1-5 Victoria Street, Chadderton, Oldham, OL9 0HH

Telephone: 0161 241 0899

Email: admin@huntercapital.co.uk