Unlock Capital

Unlock Capital Ltd Privacy Policy


Last updated: 2026

1. Introduction

Unlock Capital Ltd (“we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your personal data when you enquire about or use our lending services.

We comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

By engaging with us, you confirm that you have read and understood this policy.

2. Who We Are

Unlock Capital Ltd is a UK-based specialist lender providing bespoke credit solutions to high-net-worth angel investors and sophisticated borrowers.

We act as the data controller, meaning we determine how and why your personal data is processed.

3. Personal Data We Collect

3.1 Information You Provide

  • Full name, date of birth, and contact details
  • Residential address and address history
  • Employment, business, and financial information
  • Income, assets, liabilities, and wealth profile
  • Bank account details
  • Loan application information
  • Identification documents (e.g. passport, driving licence, proof of address)

3.2 Information from Third Parties

  • Credit reference agencies
  • Fraud prevention agencies
  • Public records (e.g. Companies House, Land Registry)
  • Professional advisers (e.g. solicitors, accountants)
  • Open Banking data (with your explicit consent)

3.3 Information Collected Automatically

  • Device and browser information
  • IP address
  • Website usage data (analytics)

We only collect data that is necessary for our services.

4. How We Use Your Personal Data

We use your personal data for the following purposes:

  • Assessing loan applications and financial suitability
  • Conducting creditworthiness and affordability checks
  • Verifying identity and preventing fraud
  • Managing and administering lending agreements
  • Communicating with you and your authorised representatives
  • Complying with legal, regulatory, and anti-money laundering obligations
  • Improving our services and client experience

We process your data only where we have a lawful basis, including:

  • Contractual necessity
  • Legal obligation
  • Legitimate interests
  • Consent (where applicable)

5. Sharing Your Information

We may share your data with trusted third parties where necessary:

  • Credit reference agencies
  • Fraud prevention and anti-money laundering agencies
  • Professional advisers (e.g. lawyers, valuers, accountants)
  • Payment service providers
  • Technology and data processing partners
  • Regulatory authorities and law enforcement
  • HM Revenue & Customs and other tax authorities
  • Debt recovery partners (if applicable)
  • Other parties where required by law

We ensure all third parties respect the security and confidentiality of your data.

We never sell your personal data.

6. Credit Reference Agencies

When you apply for credit, we may carry out checks with credit reference agencies (CRAs). These checks may be recorded on your credit file.

CRAs may share your data with other lenders to support responsible lending and fraud prevention.

7. Fraud Prevention & Anti-Money Laundering

As a lender regulated by the Financial Conduct Authority, we are required to conduct fraud prevention and anti-money laundering checks.

If suspicious activity is identified, we may:

  • Decline your application
  • Restrict or terminate services
  • Report activity to relevant authorities

8. Data Retention

We retain personal data only as long as necessary to:

  • Provide our services
  • Meet legal and regulatory requirements
  • Resolve disputes and enforce agreements

Typically, lending-related data is retained for six years after the end of your agreement.

9. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data
  • Correct inaccurate or incomplete data
  • Request deletion (where applicable)
  • Restrict or object to processing
  • Request data portability
  • Withdraw consent (where applicable)
  • Lodge a complaint with the Information Commissioner’s Office

We aim to respond to all requests promptly and professionally.

10. Data Security

We implement appropriate technical and organisational measures to protect your data, including:

  • Encryption
  • Access controls
  • Secure infrastructure
  • Ongoing monitoring

All staff are trained in data protection and confidentiality.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect legal or operational changes.

Updates will be published on our website.

12. Contact Us

Data Protection Officer
Unlock Capital Ltd
41a Banks Road
Poole, England BH13 7PW
Email: data@unlockcapital.co.uk

13. Fees

Access to your personal data is free of charge.

We may charge a reasonable fee if a request is clearly unfounded, excessive, or repetitive.

14. Identity Verification

We may request information to verify your identity before processing requests. This ensures your data is not disclosed to unauthorised parties.

Releasing liquidity to angel investors

© 2026 Unlock Capital Ltd All rights reserved

Unlock Capital Ltd provides access to lending arrangements intended for High Net Worth Individuals and other persons who understand the risks involved. Unlock Capital Ltd does not provide regulated credit agreements to consumers and does not assess the suitability of any borrowing or investment activity for individual circumstances. Nothing on this website constitutes financial, legal, tax or investment advice, nor an offer or solicitation. Capital is at risk and returns are not guaranteed.