Privacy Policy

London Capital Estate LTD T/A Capital Estate ltd respects the privacy rights of our clients and is strongly committed to protecting your privacy. 

The Company gathers certain information about you. Information about you is also used by London Capital Estate LTD. When we do so we are regulated under the General Data Protection Regulation which applies across the European Union (including in the United Kingdom), and the Data Protection Act 2018, and we are responsible for that personal information for the purposes of those laws. 

 HOW WE USE PERSONAL INFORMATION

PRIVACY PROMISE

1. We promise to keep your information safe
2. We promise not to sell it
3. We give you ways to manage and review your marketing choices at any time
4. We keep a record of when and how we get consents and what you were told at the time

HOW THE LAW PROTECTS YOU

1. The law says we must have one or more of these reasons to collect your data
2. To fulfil a contract with you
3. When it is our legal duty
4. When it is in our legitimate interest (which we must define)
5. When you consent
6. Transparency means you have the right to be informed about how we will use your data

GROUPS OF PERSONAL INFORMATION
FINANCIAL – Your financial position, status and history
CONTACT – Where you live and how to contact you
SOCIO-DEMOGRAPHIC – Details about your work, nationality, education (especially students)
TRANSACTIONAL – Details of payments you make to us
CONTRACTUAL – Details about the products or services we provide to you
COMMUNICATIONS – What we learn about you from letters, emails and conversations between us
OPEN DATA AND PUBLIC RECORDS – E.g. Electoral information, Internet, Newspapers
DOCUMENTARY DATA – E.g. copies of ID
CONSENTS – How you agree we can contact you
NATIONAL IDENTIFIERS – E.g. National Insurance Number

We collect Data from third parties such as social networks, fraud prevention agencies and public information services.

WE MAY SHARE THIS INFORMATION WITH

1. HMRC, Regulators and other authorities
2. Credit Reference Agencies
3. Fraud Prevention Agences
4. Any party linked to you (e.g. joint tenant, joint seller, buyer or landlord)
5. Workmen needing to enter your house
6. Companies you ask us to share data with (e.g Deposit Protection Scheme, ICO)
7. If you use direct debits we will share your data with the direct debit scheme
8. If we sell our business we will only do this if they agree to keep your information safe
9. Solicitor and/or Legal Conveyancer
10. Financial Services Personnel
11. Surveyor or other professional body

CREDIT REFERENCE AGENCIES

1. We will share information with CRAs and they will give us information about you. The data we exchange can include
2. Name, address and date of birth
3. Application form details
4. Financial situation and history
5. Public information

We will use information to

1. Assess if you can afford the property
2. Make sure what you have told us is the truth
3. Help detect and prevent fraud
4. Track and recover debts

On a joint tenancy CRAs may  link your data to other joint tenants. You can ask CRAs to break the link but you normally have to prove you no longer have a financial link with them.

IF YOU DO NOT PROVIDE DATA WE MAY NOT BE ABLE TO OFFER YOU A TENANCY

HOW LONG WE KEEP INFORMATION

1. We will keep it as long as you are a client

After you stop being a client we may keep data for up to 10 years for one of more of the following reasons:

• To respond to questions or complaints
  To show why we have treated you fairly or
  For historic research and statistical purposes
  In the case of legal action of any kind

You can access personal information by writing to us at Capital Estate, 215 Regents Park Road, N3 3LD. You can also ask us to correct any information you believe to be incorrect. We do not have to provide information  where the request is disproportionate or has already been given previously.

WHAT IF YOU ASK US TO STOP USING YOUR PERSONAL INFORMATION?
This is also know as ‘The right to be forgotten’. There may be legal or other reasons why we need to keep or use your data. In such cases we can restrict the use of your data to legal claims or to exercise legal rights.

YOU CAN WITHDRAW CONSENT BY WRITING TO US AT Capital Estate Limited , 215 Regents Park Road, N3 3LD. YOU CAN COMPLAIN TO US IF YOU ARE UNHAPPY WITH HOW WE HAVE USED YOUR PERSONAL INFORMATION AT Capital Estate Limited , 215 Regents Park Road, N3 3LD. YOU CAN ALSO COMPLAIN TO THE INFORMATION COMMISSIONERS OFFICE AT WWW.ICO.ORGO.UK FINT OUT ON THEIR WEBSITE HOW TO REPORT A CONCERN

ADDITIONALLY

VITAL INTERESTS – We can pass on details in an emergency e.g. medical care if you are physically or legally incapable of giving consent.

FEES
We supply a copy of information free of charge. We can charge a reasonable fee when a request is manifestly unfounded, or excessive, particularly if it is repetitive. We may charge a fee where we have already supplied the information.
We must supply information without delay and in any event within one month. This can be extended by up to 2 months if during that month the request is considered complex and/or numerous, and if we do we have to explain why.
We must verify the identity of the person making the request using “reasonable means”

DATA PROTECTION IMPACT ASSESSMENT
This will allow an organisation to identify and fix problems at an early stage. Further guidance see ICO Conducting privacy impact assessments code of Practice

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