Privacy Policy

This privacy policy applies between you, the User of this Website and Cox Capital Finance Ltd, the owner and provider of this Website. Cox Capital Finance Ltd takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to your use of the Website.

This privacy policy should be read alongside, and in addition to, our Terms and Conditions

Information About Us

www.coxcapitalfinance.co.uk is owned by Cox Capital Finance Ltd, a company registered in England and Wales under company number 17275300. Our registered address is in Ibstock, LE67 6NR.

Data Protection Officer / Privacy Contact: Peter Cox
privacy@coxcapitalfinance.co.uk
COX CAPITAL FINANCE LTD IS AN APPOINTED REPRESENTATIVE OF ALPHA ASSET FINANCE (FRN - 804584) WHO ARE A CREDIT BROKER NOT A LENDER. WE CAN INTRODUCE YOU TO A NUMBER OF CAREFULLY SELECTED FINANCE PROVIDERS AND MAY RECEIVE COMMISSION FOR THE INTRODUCTION. REPRESENTATIVE IS REGULATED BY THE FCA.

What is Personal Data?

Personal data means any information capable of identifying an individual. It does not include anonymised data.

What Data Do We Collect?

We may collect the following categories of Data from you:

Identity and Contact Data: Name, title, date of birth, address, email address, telephone numbers.
Financial and Transaction Data: Bank account details, income information, credit history, asset details, borrowing or capital requirements, and transaction records.
Technical Data: IP address, browser type and version, device information, operating system, login data, time zone settings, and website usage (pages visited, etc.).
Usage Data: Information about how you use our website and services.
Marketing and Communications Data: Your preferences for receiving marketing from us and third parties, and your communication preferences.
Other Data: Information provided in enquiries, application forms, correspondence, or from third parties (e.g., credit reference agencies, introducers, or joint applicants).

We may also process special category data (e.g., health information for certain products) or criminal conviction data where necessary for AML/KYC compliance, with appropriate lawful bases and safeguards.

How We Collect Data

Directly from you (via website forms, emails, phone, applications, meetings).
Automatically through cookies, server logs, and similar technologies.
From third parties (credit agencies, fraud prevention services, business partners, public sources, or referrers).

How We Use Your Data

We will only use your Data for the purposes for which it was collected or where we have a lawful basis:

To provide our services, process applications, and arrange suitable finance or capital solutions.
To manage our relationship with you, including customer service and account administration.
To comply with legal and regulatory obligations (e.g., FCA rules, AML, KYC, tax reporting).
For marketing (with your consent where required).
To improve our website, services, and user experience through analytics.
For fraud prevention, security, and business administration.

Lawful Bases for Processing

We rely on one or more of the following:

Performance of a contract with you.
Compliance with legal obligations.
Legitimate interests (e.g., business operations, fraud prevention).
Your explicit consent (which you may withdraw at any time).

Who We Share Your Data With

We may share your Data with:

Our employees, agents, and professional advisers.
Third-party service providers (e.g., IT, hosting, analytics, payment processors).
Credit reference agencies and fraud prevention agencies.
Lenders, funders, or panel partners (where you apply for finance).
Regulators and authorities (FCA, HMRC, law enforcement as required).
Successors in the event of a business sale or merger.

All third parties are required to maintain the security of your Data and use it only in accordance with our instructions.

International Transfers

If we transfer Data outside the UK, we ensure adequate safeguards are in place (e.g., UK IDTAs, Standard Contractual Clauses, or adequacy decisions).

Data Security

We use appropriate technical and organisational measures to protect your Data, including encryption, access controls, and secure servers. However, no transmission over the internet is 100% secure.

Data Retention

We will retain your Data only for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Typically, this may be for 6–7 years (or longer where required by regulation) after the end of our relationship.

Your Legal Rights

You have the following rights under data protection law:

Right to access a copy of your Data.
Right to rectification of inaccurate Data.
Right to erasure (“right to be forgotten”).
Right to restrict processing.
Right to object to processing.
Right to data portability.
Right to withdraw consent.

To exercise these rights, contact our Data Protection Officer. You also have the right to complain to the Information Commissioner’s Office (ICO) at www.ico.org.uk.

Marketing

We may send you marketing communications if you have requested information or if we have a legitimate interest. You can opt out at any time by contacting us or using unsubscribe links.

Cookies

Our website uses cookies. For more information, please refer to our [Cookie Policy / Cookie Notice] [insert link].

Links to Other Websites

This website may contain links to other sites. We are not responsible for the privacy practices of those sites.

Changes to This Privacy Policy

We may update this policy from time to time. The new version will be posted on the website with an updated effective date. You should check this page occasionally to ensure you are happy with any changes.

Contact Us

If you have any questions about this privacy policy or our use of your Data, please contact our Data Protection Officer at the details above.