Crisp Capital Limited trading as crispcap (The Broker) Privacy Policy
Who we are
Crisp Capital Limited is a private limited company registered in England and Wales under company number 11312813 – Registered Address – The Old Forge, Wendens Ambo, Saffron Walden, England, CB11 4JL
What data do we collect?
Our Company collects the following data:
- Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
- Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
- Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
- Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
- Any pre-existing commercial finance products and the terms and conditions relating to these
How do we collect your data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Credit Searches and Your Consent
We may carry out or arrange for credit reference and fraud prevention checks with licensed credit reference agencies. These may include:
Soft searches, which do not affect your credit score and are used for eligibility assessments; and
Hard searches, which may be recorded on your credit file and visible to other lenders.
These checks are used to verify your identity, assess your creditworthiness, and support the decision-making process for a potential lending application. We will not perform a hard search without your express consent and will clearly inform you if this is required as part of your application.
Your credit file may be accessed multiple times by different parties (e.g. ourselves, lenders, third-party processors) depending on the nature of the finance product being sought. Full details on the use of your data in this process can be obtained upon request.
Special Category Data
In the course of your interactions with Crisp Capital Limited you may share information that is classified as ‘Special Category Data’. This could include data about:
- Race
- Ethnic origin
- Politics
- Religion
- Trade union membership
- Genetics
- Biometrics
- Health
- Sex life
- Sexual orientation
Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability Crisp Capital Limited will always seek explicit consent from you to store and process such information.
How will we use your data?
Our Company collects your data so that we can:
- Process your application and manage your request.
- Email you with special offers on other products and services we think you might like.
- To monitor the performance of our products and services to ensure consumer outcomes are being achieved
| Purpose/Activity | Type(s) of data | Lawful basis for processing |
|---|---|---|
| To initially engage with you to discuss your requirements |
|
Consent
Necessary for our legitimate interests |
| To source products, provide indicative quotes, and process & deliver your application for a commercial finance product |
|
Performance of a contract with you
To comply with a legal obligation Necessary for our legitimate interests (to recover debts due to us) Explicit Consent |
To manage our relationship with you which will include:
Re-engagement when existing products nears expiry / review protection needs |
|
Performance of a contract with you
To comply with a legal obligation Necessary for our legitimate Interests (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards) |
| To respond to case enquiries and input to & defend against complaints |
|
To comply with a legal obligation
Necessary for our legitimate interests (to ensure that complaints can be responded to accurately) Legal Claims & Judicial Acts |
| To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
|
To comply with a legal obligation
Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise). |
| To use data analytics to improve our website, products/services, marketing, customer relationships and experiences |
|
Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy). |
Lawful Basis for Processing Data
If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.
| Type of recipient | Reason |
|---|---|
| Lenders | To source and submit applications in order to conclude the contract for the lending application. |
| External suppliers | Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Crisp Capital Limited. |
| Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders assessment of your application; and to perform a credit assessment with your consent as part of a full application. |
| Legal | Sharing of information may be necessary to fulfil our legal obligations to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities. |
| Others | Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice. |
How do we store your data?
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.
| Purpose of processing | Retention |
|---|---|
| Successful commercial finance applications. | For the full lending term – six years from the date the application completes. |
| Withdrawn, stalled, incomplete and failed finance applications | 2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued. |
| Enquiry data obtained from third parties that do not result in an application for a commercial finance product. | 2 years from the date the lead was received from the Introducer |
Marketing
With your permission and/or where permitted by law, Our Company may also use your personal data for marketing purposes, which may include contacting you by email, telephone, text message and post with information, news, and offers on our services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the Data Protection Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out. We will always obtain your express opt-in consent before sharing your personal data with third parties for marketing purposes and you will be able to opt-out at any time.
What are your data protection rights?
Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.
The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to Our Company’s processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that Our Company transfer the data that we have collected to another organisation, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email: team@crispcap.co.uk
Or our postal address is – 3 Brindley Place, Birmingham, B1 2JB
Changes to our privacy policy
Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 01/05/2025.
How to contact us
If you have any questions about Our Company’s Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.
Email us at; team@crispcap.co.uk
Call us: 01217 599919
Or write to us at: 3 Brindley Place, Birmingham, B1 2JB
How to contact the appropriate authority
Should you wish to report a complaint or if you feel that Our Company has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at www.ico.org.uk
