Last updated: 02/09/2026
Lendwise Capital UK takes the security of your personal information seriously. This policy explains what we collect, why we collect it, who we share it with and what rights you have.
Who we are
Lendwise Capital UK is a trading name of Lendwise Capital UK Ltd, registered in England and Wales, company number 17290304, registered office 16 Tempest Way, Rainham, London, RM13 7PX. Lendwise is an Appointed Representative of Marklay Mortgages Ltd. Our FCA Firm Reference Number is 1061509.
For the purposes of UK data protection law we are the data controller for the information we hold about you. We are registered with the Information Commissioner’s Office under reference ZC205615.
If you have any question about this policy, contact us at info@uklendwisecapital.co.uk or +44 7752 520603.
The information we collect
Information you give us, including your name, date of birth, contact details, address history, marital status, dependants, nationality and residency status, employment and income details, bank account details, existing borrowing and credit commitments, assets, expenditure, and your objectives and plans.
Information about your health, where you apply for protection or equity release. Health information is treated as special category data and receives additional protection under law. We collect it only where it is necessary to arrange the cover you have asked for, and we will explain why at the point we ask.
Information from third parties, including credit reference agencies, lenders, insurers, your employer or accountant where you authorise it, and public registers.
Information collected automatically when you use our website, covering IP address, browser type, pages viewed and time spent. See our Cookie Policy for details.
Why we use it, and our lawful basis
| Purpose | Lawful basis |
| Assessing your circumstances and providing advice | Performance of a contract, or steps taken at your request before entering one |
| Submitting applications to lenders and providers | Performance of a contract |
| Processing health information for protection or equity release | Your explicit consent, and the substantial public interest condition for insurance purposes under the Data Protection Act 2018 |
| Meeting our regulatory and record-keeping obligations | Legal obligation |
| Preventing fraud and money laundering, and verifying identity | Legal obligation, and legitimate interests |
| Improving our service and website | Legitimate interests |
| Sending marketing communications | Your consent, which you may withdraw at any time |
Where we rely on legitimate interests, we have considered whether those interests are outweighed by your rights. You may object to that processing at any time.
Who we share it with
We share your information only where it is necessary. Recipients may include:
- Lenders, insurers and product providers you apply to
- [NETWORK], our principal firm, for compliance oversight
- Credit reference agencies and fraud prevention agencies
- Our software providers, including our client management and mortgage sourcing systems
- Solicitors, valuers, surveyors and estate agents connected to your transaction
- Our professional advisers, including accountants and auditors
- Regulators and law enforcement, where we are legally required to do so
We do not sell your information, and we do not share it with third parties for their own marketing.
A search with a credit reference agency may leave a record on your credit file that other lenders can see. We will tell you before a hard search is carried out.
How long we keep it
We retain records for as long as necessary to meet our regulatory obligations and to defend any complaint. [RETENTION] Where you enquire but do not proceed, we hold your information for a shorter period and then delete it.
Where your information is held
Your information is held on servers within the UK or the European Economic Area wherever possible. Where a provider transfers data outside those areas, we ensure appropriate safeguards are in place, such as an International Data Transfer Agreement or an adequacy decision.
Keeping it secure
We apply technical and organisational measures appropriate to the sensitivity of the information we hold, including encryption in transit, access controls and secure document exchange. Please avoid sending sensitive documents by ordinary email, and ask us for a secure upload link instead.
Your rights
Under UK data protection law you have the right to:
- Access the personal information we hold about you
- Correct anything inaccurate or incomplete
- Erase your information, where no legal or regulatory obligation requires us to keep it
- Restrict how we process it in certain circumstances
- Object to processing carried out on the basis of legitimate interests
- Portability, meaning you can receive your information in a machine-readable format
- Withdraw consent at any time, where consent is our lawful basis
To exercise any of these, contact info@uklendwisecapital.co.uk. We will respond within one month. There is no charge unless a request is manifestly unfounded or excessive.
Complaints
If you are unhappy with how we have handled your information, please tell us first so we can put it right. You also have the right to complain to the Information Commissioner’s Office at ico.org.uk, by telephone on 0303 123 1113, or by post to Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
Changes to this policy
We review this policy periodically. The date at the top shows when it was last updated. Where changes are significant, we will contact you directly.
