Privacy Policy

Last updated May 29, 2026

This Privacy Notice for Opulence Capital Limited ('we', 'us', or 'our'), describes how and why we might access, collect, store, use, and/or share ('process') your personal information when you use our services ('Services'), including when you:Visit our website at opulencecapital.co.uk or any website of ours that links to this Privacy NoticeUse Opulence Capital. Opulence Capital is a UK-based commercial finance brokerage that helps businesses access funding solutions including business loans, secured loans, unsecured loans, merchant cash advances, revenue-based finance, invoice finance, asset finance, and other commercial funding products. We act as an intermediary between business customers and third-party lenders and funding providers. We do not provide loans or financial products ourselves and do not make lending decisions. All funding decisions are made independently by the relevant funding providers. We may collect basic contact details such as name, email address, telephone number, business name, trading information, and general funding requirements through our website forms, advertisements, and direct enquiries. In some cases, additional information may be collected through secure third-party systems used by funding providers, including open banking or document verification tools operated by those providers.Where appropriate, we introduce customers to suitable funding providers from our panel or network of lenders. These may include providers such as YouLend, Liberis, Cubefunder, iwoca, and other UK and international commercial finance institutions. These providers act independently as data controllers for the purpose of assessing funding eligibility and making lending decisions. If a customer proceeds with funding through one of our partners, Opulence Capital may receive a commission or fee for the successful introduction. This does not affect the cost of the funding product to the customer.Engage with us in other related ways, including marketing, lead generation campaigns, or eventsQuestions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for determining how your personal data is processed when acting as a data controller. If you do not agree with our policies and practices, please do not use our Services. If you still have questions, please contact us at [hello@opulencecapital.co.uk](mailto:hello@opulencecapital.co.uk).

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find more detail in the sections below.What personal information do we process? We process information you provide directly, including contact details, business information, and funding requirements, as well as limited technical data when you use our website.Do we process sensitive personal information? We do not intentionally collect special category (sensitive) personal data.Do we receive data from third parties? We may receive information from funding providers or verification systems where necessary to progress funding applications.How do we process your information? We process data to operate our brokerage services, connect businesses with funding providers, respond to enquiries, improve services, prevent fraud, and comply with legal obligations.Who do we share data with? We may share data with commercial lenders, finance providers, and essential service providers.How do we keep data safe? We use appropriate technical and organisational security measures.What are your rights? You may have rights under UK GDPR, including access, correction, deletion, and objection.How do you exercise your rights? You can contact us directly at [hello@opulencecapital.co.uk](mailto:hello@opulencecapital.co.uk).

TABLE OF CONTENTS:

WHAT INFORMATION DO WE COLLECT?

HOW DO WE PROCESS YOUR INFORMATION?

WHAT LEGAL BASES DO WE RELY ON?

WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION?

DO WE USE COOKIES AND TRACKING TECHNOLOGIES?

IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?

HOW LONG DO WE KEEP YOUR INFORMATION?

HOW DO WE KEEP YOUR INFORMATION SAFE?

DO WE COLLECT INFORMATION FROM MINORS?

WHAT ARE YOUR PRIVACY RIGHTS?

CONTROLS FOR DO-NOT-TRACK FEATURESCOMMISSION DISCLOSUREDO WE MAKE UPDATES TO THIS NOTICE?

HOW CAN YOU CONTACT US?

HOW CAN YOU ACCESS OR DELETE YOUR DATA?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you provideWe collect personal information that you voluntarily provide when you submit an enquiry, request funding assistance, or contact us.This may include:nameemail addressphone numberbusiness namebusiness trading informationfunding requirements and requested loan amountsWe do not intentionally collect special category data (such as health, biometric, or highly sensitive personal data).Automatically collected informationWhen you use our website, we may automatically collect technical information including:IP addressdevice typebrowser typeoperating systempages visitedtime spent on sitereferring URLsThis information is used for security, analytics, and improving user experience.

2. HOW DO WE PROCESS YOUR INFORMATION?We process personal data for the following purposes:to provide commercial finance brokerage servicesto assess funding requirements and match businesses with suitable lendersto introduce customers to third-party funding providersto communicate with customers regarding funding enquiriesto respond to queries and provide supportto maintain business recordsto improve our website, services, and marketingto prevent fraud, misuse, and security risksto comply with legal and regulatory obligationsWe may also process data to facilitate funding applications with third-party lenders who require additional verification, including bank data checks or identity verification.

3. LEGAL BASES FOR PROCESSING

We rely on the following legal bases:Consent – where you agree to us processing your dataContract – where processing is necessary to provide brokerage servicesLegitimate interests – to operate, improve, and grow our businessLegal obligation – where required by law or regulationVital interests – in rare cases involving safety or fraud prevention

4. WHEN AND WITH WHOM DO WE SHARE YOUR DATA?

We may share personal data with the following categories:Commercial finance lenders and funding providersMerchant cash advance providersRevenue-based finance providersInvoice finance and asset finance providersCredit and risk assessment providersOpen banking and verification providers (where used by lenders)CRM and communication platforms (including Freshworks CRM integrated with Perspective.co)Website and hosting providersAnalytics providersProfessional advisers (legal, accounting, compliance)Funding providers act as independent data controllers once information is shared for the purpose of assessing funding eligibility and issuing offers.We do not sell personal data.

5. COOKIES AND TRACKING

We may use cookies and similar technologies to:analyse website performancetrack user engagementimprove marketing effectivenesssupport form submissions and enquiry trackingWe may use tools such as Google Analytics and similar tracking systems.Third-party platforms such as Perspective.co may collect form submission data on our behalf when users interact with embedded forms or landing pages.

6. INTERNATIONAL TRANSFERS

We may transfer and store data outside the UK where service providers operate.Where this occurs, we use appropriate safeguards such as standard contractual clauses or equivalent protections to ensure data security.

7. DATA RETENTION

We retain personal data only for as long as necessary.Typically, we retain data for up to 2 years unless:required by lawrequired for compliance or regulatory purposesneeded for legitimate business recordsAfter this period, data is securely deleted or anonymised.

8. DATA SECURITY

We use appropriate technical and organisational measures to protect personal data, including:secure serversrestricted access controlsencrypted systems where appropriatestaff access limitationsregular monitoring and security reviewsHowever, no system is completely secure and we cannot guarantee absolute protection.

9. CHILDREN’S DATA

We do not knowingly collect or process data from individuals under 18 years of age.

10. YOUR DATA RIGHTS

You may have rights under UK GDPR including:access to your datacorrection of inaccurate datadeletion of your datarestriction of processingdata portabilityobjection to processingwithdrawal of consentYou may also complain to the Information Commissioner’s Office (ICO) if you believe your data is being handled unlawfully.

11. DO-NOT-TRACK

We do not currently respond to Do-Not-Track signals due to lack of industry standardisation.1

2. COMMISSION DISCLOSURE

Opulence Capital Limited receives commission from third-party funding providers when a successful introduction results in funding being provided.Commission does not affect the amount paid by the customer or the terms offered by the lender.We only work with selected funding providers that we believe offer suitable commercial finance solutions.

13. UPDATES TO THIS NOTICE

We may update this Privacy Notice from time to time to reflect changes in law, regulation, or our services.

14. CONTACT DETAILS

If you have questions about this Privacy Notice, contact us at:Opulence Capital Limited99 Branston StreetBirminghamUnited Kingdom[hello@opulencecapital.co.uk](mailto:hello@opulencecapital.co.uk)

15. ACCESSING OR DELETING YOUR DATAYou may request access to, correction of, or deletion of your personal data by contacting us at [hello@opulencecapital.co.uk](mailto:hello@opulencecapital.co.uk).

We may need to retain certain information where required for legal, regulatory, or operational purposes.

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