Privacy Notice

Who we are

James William & Co Capital Ltd ("James William & Co", "we", "us", "our") is a specialist commercial and property finance brokerage.

• Legal entity: James William & Co Capital Ltd
• Company number: 16700963
• Registered office: 1 Queen Square, Bath, BA1 2HA, England
• Website: www.jwcapital.co.uk

For the purposes of UK data protection law, James William & Co Capital Ltd is the data controller for the personal data described in this notice.

What personal data we collect

Depending on how you interact with us, we may collect:

• Contact details: name, address, email address, telephone numbers.
• Identity details: date of birth, nationality, ID documents, proof of address.
• Financial and credit information: income, assets, liabilities, credit history, bank details, security offered, existing loans.
• Employment and business information: job title, employer, company ownership, trading history, accounts.
• Transaction and case information: enquiry details, property and loan details, emails and call notes.
• Marketing preferences: how you prefer us to contact you and what information you wish to receive.
• Special category data (only where relevant): for example limited health information where it is necessary to support an application and you choose to provide it.

Where you provide information about other individuals (for example directors, business partners, guarantors or beneficiaries) you should ensure they are aware that you are sharing their information with us and direct them to this privacy notice.

How we collect your personal data

We may collect data from:

• Direct interactions – forms on our website, email, phone, video meetings, in‑person meetings and events.
• Third‑party sources – credit reference agencies, ID verification providers, fraud prevention agencies, introducers, and other professional advisers.
• Lenders and product providers – updates on applications, offers, completions and ongoing product performance.
• Public sources – Companies House, the electoral register, Land Registry or other public registers.

How we use your personal data and legal bases

We use personal data to:

• Assess your needs and introduce you to suitable lenders and finance products.
• Prepare and submit applications, and manage enquiries with lenders on your behalf.
• Carry out identity checks, credit and fraud prevention checks.
• Comply with legal and regulatory obligations (including anti‑money‑laundering and record‑keeping).
• Manage our relationship with you, including handling questions, feedback and complaints.
• Send you information about services and market insights where you have consented or where we have a legitimate interest and it is reasonable to do so.

The main legal bases we rely on are: performance of a contract or steps taken at your request; compliance with legal or regulatory obligations; and our legitimate interests in running and developing our business in a way that does not unfairly impact your rights. Where we rely on consent (for example certain marketing), you can withdraw it at any time.

Who we share your personal data with

To deliver our services, we may share data with:

• Lenders, funders and financial institutions relevant to your enquiry or application.
• Credit reference and fraud prevention agencies and ID verification providers.
• Professional advisers (for example solicitors, valuers, accountants) involved in a transaction.
• IT, cloud, email and CRM providers who process data on our behalf under contract.
• Regulators and authorities such as the Financial Conduct Authority, HMRC or law‑enforcement bodies where required.

Where James William & Co joins or works under the umbrella of another authorised firm or network, your data may also be shared with that firm for regulatory oversight and support.

We do not sell your personal data to third parties for their own marketing purposes.

International transfers

Some of our service providers or the systems they use may be located outside the UK. Where personal data is transferred internationally, we ensure appropriate safeguards are in place, such as UK‑approved standard contractual clauses or an adequacy decision.

How long we keep your personal data

We keep personal data only for as long as necessary for the purposes set out in this notice and to meet legal, regulatory and reporting requirements.

Typically this means retaining intermediary case records and related communications for up to six years from the date of our last interaction in relation to a product or service, in line with regulatory guidance and limitation periods for potential complaints.

Marketing

We may use your contact details to send you updates about services, market insights and events relevant to property and business finance.

You can opt out at any time by:

• Using the unsubscribe link in marketing emails; or
• Contacting us using the details below.

Your rights

You have the following rights in relation to your personal data, subject to certain conditions and exemptions in law:

• To request access to the personal data we hold about you.
• To request correction of inaccurate or incomplete data.
• To request erasure of your data where there is no good reason for us to keep it.
• To request restriction of processing in certain circumstances.
• To object to processing based on legitimate interests or direct marketing.
• To request the transfer of your data to you or another provider (data portability).
• To withdraw consent where we rely on consent as the lawful basis.

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

Keeping your personal data secure

We take appropriate technical and organisational measures to protect personal data against unauthorised access, loss, alteration or disclosure. Access is limited to those with a genuine business need and all processing is carried out under strict confidentiality obligations.

We have procedures to deal with suspected data breaches and will notify you and any applicable regulator where legally required.

How to contact us

If you have questions about this privacy notice or how your data is handled, please contact:

Data Protection Contact
James William & Co Capital Ltd
1 Queen Square
Bath
BA1 2HA
Email: jamesdawes@jwcapital.co.uk

How to complain

If you are unhappy with how we use your personal data, please contact us first so we can try to resolve your concerns.

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO):

Website: www.ico.org.uk
Telephone: 0303 123 1113
Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Changes to this privacy notice

We may update this privacy notice from time to time to reflect changes in law, regulation or how we operate. Any updates will be posted on our website, and the revision date will be updated accordingly.