Privacy Policy

This Privacy Policy explains how Providus Capital Ltd (“we”, “our”, or the “Company”) collects, uses, and protects personal data when you visit our website (www.providuscapital.co.uk) (the “Site”), engage with us in connection with our services, or otherwise interact with us (together, “Users”).

We are committed to protecting your personal data and handling it transparently, securely, and in accordance with applicable data protection laws, including the UK GDPR and Data Protection Act 2018.

Providus Capital Ltd is the data controller responsible for your personal data.

Registered Address: 92 Haven Green Court, Haven Green, Ealing, London, W5 2UY

Company Number: 12205538

ICO Registration Number: ZB892854

Contact Email: b.j.shah@providuscapital.co.uk

We process your personal data on the following lawful bases:

• Contractual necessity – to enter into or perform a contract with you

• Legal obligation – to comply with applicable laws and regulations

• Legitimate interests – to operate and improve our business, services, and risk management

• Consent – where required (e.g. marketing communications)

We collect two categories of data:

This includes aggregated and technical data that does not identify you, such as:

• Browser type and operating system

• Device type

• Access times

• Website usage and activity

This includes information that identifies or may identify you, such as:

• Name

• Email address

• Telephone number

• Postal address

• IP address and device identifiers

• Geolocation data

• Information provided through enquiries or transactions

We may collect personal data from:

• You directly (e.g. enquiries, onboarding, correspondence)

• Your use of our website and services

• Clients, counterparties, and professional advisers

• Publicly available sources (including professional networking platforms, business websites, and public records)

• Third-party service providers (e.g. compliance, analytics, identity verification)

• Credit reference agencies (see Section 6)

To support our lending, advisory, and investment activities, and to comply with legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs).

We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

This information may include:

• Identity verification data

• Credit commitments and payment history

• Public record data

We use this data for:

• Creditworthiness assessments

• Identity verification

• Fraud prevention

• Compliance with legal and regulatory obligations

Further information is available from:

• Creditsafe Transparency Notice

• TransUnion Credit Reference Agency Information Notice

• TransUnion Privacy Notice

Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 742313).

TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 805757).

We may use personal data for the following purposes:

• Providing and managing our services

• Communicating with you

• Assessing transactions and opportunities

• Conducting due diligence and compliance checks

• Preventing fraud and managing risk

• Improving our website and services

• Marketing (where permitted)

We do not sell personal data.

We may share personal data with:

• Group companies and affiliates

• Professional advisers (legal, financial, etc.)

• Service providers (IT, hosting, analytics, compliance)

• Credit reference agencies

• Regulators, law enforcement, or authorities where required

We may also disclose data where necessary to:

• Comply with legal obligations

• Enforce agreements

• Protect rights, property, or safety

Where personal data is transferred outside the UK or EEA, we ensure appropriate safeguards are in place, including adequacy decisions or standard contractual clauses.

We retain personal data only for as long as necessary to:

• Fulfil the purposes for which it was collected

• Comply with legal, regulatory, and accounting obligations

• Resolve disputes and enforce agreements

Data used for credit reference and affordability checks is retained only as long as required and then securely deleted.

You have the right to:

• Access your personal data

• Request correction of inaccurate data

• Request deletion of your data

• Restrict or object to processing

• Request data portability

• Withdraw consent (where applicable)

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

To exercise your rights, contact: b.j.shah@providuscapital.co.uk

The provision of personal data is generally required for us to:

• Enter into and perform contracts

• Provide our services

• Comply with legal and regulatory obligations

If you do not provide this data:

• We may be unable to enter into a contract with you

• We may be unable to provide our services

• We may be unable to carry out verification, compliance, or fraud checks

We may use automated systems to support processes such as:

• Risk assessment

• Fraud prevention

• Identity verification

However, we do not make decisions with legal or similarly significant effects based solely on automated processing. All such decisions involve meaningful human review.

We use cookies and similar technologies to:

• Enable website functionality

• Improve user experience

• Analyse usage

• Support marketing activities

• Session cookies

• Persistent cookies

• Third-party cookies

You can control cookies through your browser settings.

We also use Google Analytics to understand website usage.

We may send you marketing communications where permitted.

You can opt out at any time using the unsubscribe link or by contacting us.

We may still send essential service-related communications.

We implement appropriate technical and organisational measures to protect personal data.

However, no system is completely secure, and we cannot guarantee absolute protection.

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

We may update this Privacy Policy from time to time. The latest version will always be available on our website.

For any questions regarding this Privacy Policy or your personal data, please contact our Data Protection Officer:

Bhavik Jayendrakumar Shah (b.j.shah@providuscapital.co.uk)

Last Updated: 28 April 2026