Legal & Privacy Notice | Posfin Capital

Posfin Capital Limited is authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker. FCA Reference Number: 913022. Company Number: 12148846. ICO Registration: ZA542657. Registered Office: 96 Kensington High Street, London W8 4SG.

About Posfin Capital

Posfin Capital Limited is a specialist secured finance broker. We introduce borrowers to a panel of FCA-authorised and non-FCA-authorised lenders. We do not make lending decisions; these are made by the lender to whom your application is introduced.

We act as a credit broker, not a lender, for the purposes of the Consumer Credit Act 1974 and the Financial Services and Markets Act 2000.

Privacy Notice

Last updated: April 2026

What information we collect

Name, contact details (phone, email, address)
Financial information: property value, mortgage balances, income, credit profile
Property details: address, title information, charge holders
Communication records: calls, messages, emails

How we use your information

To assess your eligibility for secured lending products
To introduce your application to suitable lenders on our panel
To contact you regarding your application and related products
To comply with our legal and regulatory obligations
To record and monitor communications for FCA compliance (SYSC 9.1 — records retained 6 years)

Legal basis for processing

Contract performance — processing your loan application
Legal obligation — FCA regulatory requirements, AML/KYC
Legitimate interests — fraud prevention, business operations
Consent — marketing communications (you may withdraw at any time)

Who we share your data with

Lenders on our panel (for the purpose of processing your application)
Solicitors acting on the transaction
Valuation and survey firms
Credit reference agencies
Regulatory bodies (FCA, ICO) where required by law

Your rights

Under UK GDPR you have the right to: access your data, correct inaccurate data, request erasure (where no legal obligation to retain applies), object to processing, and data portability. To exercise any right, contact: compliance@posfincapital.com

Data retention

We retain client records for a minimum of 6 years from the end of the relationship, in accordance with FCA SYSC 9.1 requirements. Marketing data is retained until you withdraw consent.

Cookies

Our website uses essential cookies for functionality and analytics cookies to understand how visitors use our site. You may disable non-essential cookies in your browser settings.

Contact for data queries

Data Controller: Posfin Capital Limited, 96 Kensington High Street, London W8 4SG
Email: compliance@posfincapital.com

Important Legal Information

Your property is at risk

⚠️ WARNING: YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A LOAN SECURED AGAINST IT.

Credit brokerage

Posfin Capital Limited acts as a credit broker. We may receive a commission from lenders for introducing business to them. The existence and nature of any commission arrangement will be disclosed to you before you are bound by any agreement.

Fees

Posfin Capital charges a broker fee for arranging finance. This fee will be clearly disclosed in your Engagement Letter before you commit to proceeding. We do not charge upfront arrangement fees before an offer is presented.

Independent advice

If you are unsure whether a secured loan is suitable for your circumstances, you should seek independent financial and legal advice before proceeding.