Privacy Policy

Pearl Lemon Capital (“we”, “our”, “us”) is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, share, safeguard, and store your information when you engage with our website, services, communications, or any related activities operated under Pearl Lemon Capital. It also outlines your rights under applicable data protection laws, including the UK General Data Protection Regulation (“UK GDPR”), the Data Protection Act 2018, and related privacy legislation.

By using our website or working with us, you agree to the terms set out in this Privacy Policy. If you do not agree, please discontinue use of our services.

1. Who We Are

Pearl Lemon Capital is a UK-based finance support provider offering business finance, commercial lending assistance, asset funding, and property finance guidance to SMEs, developers, and commercial organisations across the United Kingdom.

We operate as part of the Pearl Lemon Group, a broader organisation active across consulting, accountancy, property services, technology, and business support.

2. Information We Collect

We collect different types of personal and business information depending on how you interact with us.

2.1 Information You Provide Directly

This includes information submitted through forms, email communication, phone calls, meetings, or document uploads:

Full name
Job title
Company name
Business contact details (email, phone number, address)
Financial documents (accounts, bank statements, forecasts, management information)
Project or funding requirement details
Identification information when required for compliance
Any additional information you voluntarily provide during the funding review process

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

IP address
Browser type and device information
Pages visited and time spent on the site
Cookies and tracking data (see section 10)

2.3 Information Received from Third Parties

We may receive information from:

Lenders and financial institutions
Credit reference agencies
Business partners and service providers
Publicly available sources
Affiliates within the Pearl Lemon Group

This information helps us assess funding suitability, verify details, or deliver our services.

3. How We Use Your Information

We use personal and business information for purposes including:

3.1 Service Delivery

Reviewing your funding requirements
Preparing lender-ready documentation
Communicating with you about your enquiry
Sharing your information with lenders for assessment
Coordinating underwriting, valuation, and legal steps

3.2 Business Improvement and Operations

Enhancing our internal processes
Analysing service performance
Training staff and improving communication workflows

3.3 Legal and Compliance Obligations

Identity verification when required
Preventing fraud
Maintaining regulatory compliance
Responding to lawful requests from authorities

3.4 Marketing and Communication

Where permitted, we may contact you about:

New services
Updates related to business or property finance
Educational resources, articles, or insights
Events or opportunities that may interest you

You may opt out at any time.

4. Legal Basis for Processing (UK GDPR)

We process information under the following lawful bases:

4.1 Contractual Necessity

To provide funding support services and respond to enquiries.

4.2 Legitimate Interests

To operate our business efficiently, improve services, and communicate with clients responsibly.

4.3 Compliance with Legal Obligations

To meet regulatory and anti-fraud requirements.

4.4 Consent

Where specific consent is required (e.g., optional marketing), you may withdraw it at any time.

5. How We Share Your Information

We may share information with:

5.1 Lenders and Financial Institutions

Only when required for the purpose of assessing your funding request.

5.2 Professional Service Providers

This includes:

Accountants
Lawyers
Valuers and surveyors
Compliance partners
Software and hosting providers

5.3 Affiliates Within the Pearl Lemon Group

Shared only when necessary for service delivery or internal operations.

5.4 Regulatory Authorities

When required by law or for compliance purposes.

We do not sell your information. We only share it when necessary for service performance or legal obligations.

6. International Transfers

Your information may occasionally be processed outside the UK.
In such cases, we ensure:

Adequate protections are in place (e.g., UK-approved Standard Contractual Clauses),
Data is handled securely and in line with UK GDPR standards.

7. Data Retention

We retain personal information only for as long as necessary for:

Service delivery
Legal compliance
Internal record-keeping

Retention periods vary depending on the type of information and regulatory requirements but typically range from 6 months to 7 years.

After this period, data is securely deleted or anonymised.

8. Your Rights Under UK GDPR

You have the following rights regarding your personal data:

8.1 Right to Access

You may request a copy of the information we hold about you.

8.2 Right to Rectification

You can ask us to correct inaccurate or incomplete information.

8.3 Right to Erasure

You may request deletion of your data where legally permissible.

8.4 Right to Restrict Processing

You may limit how your information is processed.

8.5 Right to Object

You may object to certain processing activities.

8.6 Right to Data Portability

You may request your data in a structured, machine-readable format.

8.7 Right to Withdraw Consent

Where processing is based on consent, you may withdraw at any time.

To exercise any of these rights, email us at:
[Insert privacy contact email]

9. How We Protect Your Information

We use technical and organisational measures to safeguard personal data:

Encrypted storage solutions
Secure document transfer methods
Access controls and authentication procedures
Staff training on confidentiality and data handling
Regular reviews of our data protection practices

While no system can be entirely risk-free, we maintain security measures designed to reduce exposure.

10. Cookies and Tracking Technologies

Our website uses cookies to improve user experience.

10.1 Types of Cookies Used

Essential cookies: required for website functionality
Analytics cookies: help us understand site performance
Preference cookies: store user selections

10.2 Managing Cookies

You may adjust your browser settings to refuse cookies.
However, this may limit some website features.

For more details, see our Cookie Policy (available separately).

11. Third-Party Links

Our website may contain links to external websites.
We are not responsible for the privacy practices or content of these third-party sites. We advise reviewing their privacy policies before providing personal information.

12. Children’s Privacy

Our services are not directed toward individuals under the age of 18.
We do not knowingly collect information from minors.
If you believe a minor has provided information to us, please notify us so we can remove it.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
The updated version will be posted on our website with a new “Last Updated” date.
We encourage you to review the policy periodically to remain informed about how we handle your information.

14. How to Contact Us

For questions about this policy or to exercise your rights, contact us at:
info@pearllemoncapital.co.uk

If you have concerns about how your data is handled, you may also contact:
The Information Commissioner’s Office (ICO)
www.ico.org.uk

15. Acceptance of This Privacy Policy

By using our site or services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.