Privacy Policy
Last updated: 9 November 2026
This policy explains how UK Merchant Capital (“we”, “us”) collects and uses personal information when you visit ukmerchantcapital.co.uk or enquire about business funding. We are the controller of that information under UK data protection law, including the UK GDPR and the Data Protection Act 2018.
If you have a question about this policy or your information, email hello@ukmerchantcapital.co.uk.
Information we collect
When you complete our enquiry form:
- your name, email address and phone number;
- your business name and sector;
- the funding amount and purpose you select, your approximate monthly card sales and any estimate from our funding calculator;
- the page you submitted from, the time you submitted it and the country your connection came from.
When we deal with your enquiry: what you tell us by phone or email, and details of our contact with you. Calls may be recorded and transcribed.
When you browse the site: our hosting and security providers process technical data such as your IP address, browser type and the pages you request.
How we use your information
| What we do | Our lawful basis |
|---|---|
| Respond to your enquiry and contact you about it | Steps you ask us to take before a contract, or our legitimate interest in responding to business enquiries |
| Assess which funding may suit your business and introduce you to lenders | Steps you ask us to take before a contract, or our legitimate interest in arranging funding for businesses that ask us to |
| Keep records of enquiries and calls, for quality and training | Our legitimate interest in running and improving our service |
| Keep the website secure and prevent spam, fraud and misuse | Our legitimate interest in protecting our business and users |
| Meet our legal and regulatory obligations | Legal obligation |
We do not sell your personal information.
Who we share it with
- Lenders and funding partners. We work with a panel of UK business funders. We share your details with those that may be able to fund your business. They may carry out their own checks, including credit and fraud checks, and will give you their own privacy information.
- Service providers who handle information for us under contract: Cloudflare (website hosting and security), Vercel and Supabase (customer records system), Web3Forms (email delivery of enquiries if our main system is unavailable), Yay.com (telephone services) and our email providers.
- Google Fonts. Our pages load fonts from Google, which receives your IP address when they load.
- Regulators, courts and law enforcement where the law requires it, or to protect our rights.
- A buyer or successor if our business is sold or reorganised.
International transfers
Some of our service providers process information outside the UK. Where they do, we rely on UK adequacy regulations or appropriate safeguards, such as the UK International Data Transfer Agreement or Addendum.
How long we keep it
We keep your information for as long as we need it to deal with your enquiry and any funding that follows, and to meet legal, accounting and regulatory requirements or handle disputes. We then delete or anonymise it.
Cookies and similar technology
Our site does not currently use advertising or analytics cookies. If you switch between light and dark mode, your browser stores that choice on your device (local storage) so the site can remember it. Our security provider may use strictly necessary technology to protect the site. If we add advertising or analytics tools, we will update this policy and ask for your consent where the law requires it.
Your rights
You have the right to:
- ask for a copy of your personal information;
- have inaccurate information corrected;
- ask us to delete your information;
- ask us to restrict how we use it;
- object to our use of it, including for direct marketing at any time;
- ask us to transfer information you gave us to another organisation, where this applies.
To use any of these rights, email hello@ukmerchantcapital.co.uk. There is normally no charge, and we will reply within one month.
Complaints
Please contact us first so we can try to put things right. You can also complain to the Information Commissioner’s Office (ICO) at ico.org.uk/make-a-complaint or on 0303 123 1113.
Changes to this policy
We may update this policy from time to time. The latest version will always be on this page, with the date it was last updated.