Privacy Notice

Capricorn International
Last updated: June 2026

1. Who We Are

This Privacy Notice applies to the websites Capricorn International and Capricorn Commercial, both of which are trading styles of Capricorn Wealth Management Limited.

Capricorn Wealth Management Limited is registered in England and Wales, Company Registration No. 06481670. Our registered office is at 1 Queen Caroline Street, Hammersmith, London, W6 9YN.

We are registered with the Information Commissioner’s Office (ICO) under registration number Z1205062.

For the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, we are the data controller in respect of the personal data we process about you.

If you have any questions about this Privacy Notice or how we handle your personal data, please contact us:

  • By email: info@capricornint.co.uk / info@capricorncommercial.co.uk
  • By telephone: +44 203 111 0900
  • By post: 1 Queen Caroline Street, Hammersmith, London, W6 9YN

2. What Personal Data We Collect

2.1 Identity and Contact Data

  • Full name
  • Date of birth
  • Email address
  • Telephone number(s)
  • Postal address
  • Nationality and country of residence

2.2 Financial and Professional Data

  • Income details and employment status
  • Bank account and financial history information
  • Property ownership details
  • Credit history (obtained via authorised credit reference agencies)
  • Investment objectives and portfolio details

2.3 Technical and Usage Data

  • IP address and browser type
  • Pages visited on our websites and time spent
  • Device information and operating system
  • Referral source and search terms used

2.4 Communications Data

  • Records of emails, telephone calls, and online enquiries
  • Any information you provide to us through contact forms or direct correspondence

3. How We Collect Your Personal Data

We collect personal data in the following ways:

  • Directly from you when you complete an enquiry or contact form on our websites
  • When you communicate with us by telephone, email, or in person
  • When you engage our services and provide documentation in connection with a financial application
  • Automatically, through cookies and similar tracking technologies used on our websites (see our Cookies Policy)
  • From third parties, including lenders, credit reference agencies, introducers, and professional advisers

4. Purposes and Legal Bases for Processing

Providing financial services
To assess your circumstances, identify suitable mortgage or commercial finance products, and submit applications on your behalf.
Legal basis: Performance of a contract and compliance with a legal obligation.

Client relationship management
To communicate with you about your enquiry or ongoing case, respond to queries, and provide updates.
Legal basis: Legitimate interests.

Regulatory compliance
To fulfil our obligations under applicable laws and FCA regulations, including anti-money laundering (AML) checks, know your customer (KYC) requirements, and record-keeping.
Legal basis: Legal obligation.

Marketing communications
To send you information about our services, relevant news, or property investment events.
Legal basis: Consent (where required) or legitimate interests. You may opt out at any time.

Website operation and improvement
To ensure our websites function correctly, monitor performance, and improve user experience.
Legal basis: Legitimate interests.

5. Special Category Data

We do not routinely collect special category personal data. However, where it becomes relevant in the course of our services (for example, information about health or disability affecting a financial application), we will seek your explicit consent before processing such data.

6. Sharing Your Personal Data

We may share your personal data with the following categories of recipients:

  • Mortgage lenders and commercial finance providers to whom applications are submitted on your behalf
  • Our network, The Fiducia Network Ltd, which is authorised and regulated by the FCA under FRN 917537
  • Credit reference agencies and fraud prevention agencies
  • Solicitors, surveyors, and other professional advisers involved in your transaction
  • Technology providers and software platforms used to manage your application (e.g. Smartr365, HomeBuyer portal)
  • Government or regulatory bodies where we are required to disclose information by law

We require all third parties to maintain appropriate security for your personal data and to use it only for the specified purposes. We do not sell your personal data to third parties.

7. International Transfers

Capricorn International operates with advisers in Singapore, Hong Kong, Shanghai, Dubai, Kuala Lumpur, Bangkok, and other locations.

Where your personal data is transferred outside the United Kingdom, we ensure that appropriate safeguards are in place in accordance with UK GDPR, such as standard contractual clauses or adequacy decisions. Please contact us if you wish to obtain further details about the specific safeguards applied.

8. Data Retention

We retain your personal data for as long as is necessary to fulfil the purposes for which it was collected and to comply with our legal and regulatory obligations.

In the context of financial services, this typically means:

  • Client records are retained for a minimum of six years following the conclusion of the relevant matter or advice, in accordance with FCA guidance
  • Records required for anti-money laundering compliance are retained for five years after the end of the business relationship
  • Records of marketing consent are retained until you withdraw consent

After the applicable retention period, personal data is securely deleted or anonymised.

9. Your Rights

Under UK data protection law, you have the following rights in relation to your personal data:

  • Right of access – to request a copy of the personal data we hold about you
  • Right to rectification – to request correction of inaccurate or incomplete data
  • Right to erasure – to request deletion of your personal data in certain circumstances
  • Right to restriction of processing – to request that we limit how we use your data
  • Right to data portability – to receive your data in a structured, machine-readable format
  • Right to object – to object to processing based on legitimate interests or for direct marketing
  • Rights related to automated decision-making – to request human review of any automated decisions that significantly affect you

To exercise any of these rights, please contact us using the details in Section 1. We will respond within one month. You will not be charged a fee unless your request is manifestly unfounded or excessive.

If you are not satisfied with how we handle your request or your personal data generally, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO) or by calling 0303 123 1113.

10. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, alteration, or disclosure. These include secure document submission portals, encrypted communications, and access controls for our systems.

However, no method of transmission over the internet is entirely secure, and we cannot guarantee absolute security.

11. Links to Third-Party Websites

Our websites may contain links to third-party websites. This Privacy Notice does not apply to those websites, and we are not responsible for their privacy practices.

We encourage you to read the privacy notices of any external sites you visit.

12. Changes to This Privacy Notice

We may update this Privacy Notice from time to time to reflect changes in our practices or applicable law.

The current version will always be available on our websites. We encourage you to review this notice periodically.

Your property may be repossessed if you do not keep up repayments on your mortgage.Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Capricorn International is a trading styles of Capricorn Wealth Management Limited. Capricorn Wealth Management Limited is an Appointed Representative of The Fiducia Network Ltd, which is authorised and regulated by the Financial Conduct Authority under FRN 917537. We are a credit broker and not a lender. We source finance from the whole of the lending market. We will typically receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. Capricorn Wealth Management Limited are registered with the ICO under Z1205062. Capricorn Wealth Management Limited is registered in England and Wales, Registered No. 06481670, Registered Office: 1 Queen Caroline Street, Hammersmith, London, United Kingdom, W6 9YN. Member of the National Association of Commercial Finance Brokers’ (NACFB) and adhere to their Code of Practice.

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