Privacy Policy

CAPITAL E U LIMITED (trading as E U Capital) is a company registered in England and Wales. We operate as an Appointed Representative of Swoop Finance Limited (FRN: 936513), which is authorised and regulated by the Financial Conduct Authority as a credit broker. Our FCA reference number is 1051992 and our Introducer Reference Number is SXO00082.

We are registered with the Information Commissioner's Office (ICO) under reference ZA600162.

For the purposes of data protection law, CAPITAL E U LIMITED is the data controller of your personal information.

Registered address: 71–75 Shelton Street, London, WC2H 9JQ
Contact email: [email protected]
Website: www.eucapital.net

We may collect and process the following categories of personal data:

• Identity data: full name, date of birth, director or officer status
• Contact data: email address, telephone number, postal address
• Business data: company name, company registration number, trading history, turnover, and financial information
• Financial data: bank account details, credit history, existing loan or finance arrangements
• Technical data: IP address, browser type and version, time zone, browser plug-in types, operating system, and platform
• Usage data: information about how you use our website and services
• Marketing and communications data: your preferences in receiving marketing from us

We do not collect any special categories of personal data (such as data about your health, race, religion, or political views) unless required by law or with your explicit consent.

We collect data through the following means:

• Direct interactions: when you complete an enquiry form, contact us by email or telephone, or apply for funding through our platform
• Automated technologies: when you visit our website, we may automatically collect technical and usage data via cookies and similar technologies (see Section 9)
• Third parties: credit reference agencies, fraud prevention agencies, open banking providers, and our principal firm Swoop Finance Limited
• Publicly available sources: Companies House, the FCA Register, and other publicly accessible databases

We use your personal data for the following purposes and on the following legal bases:

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

• Swoop Finance Limited (our principal firm and technology platform provider)
• Lenders, banks, and funding providers on our panel, for the purpose of assessing and processing your funding application
• Credit reference agencies (e.g. Experian, Equifax, TransUnion) for identity and creditworthiness checks
• Fraud prevention agencies and law enforcement bodies where required by law
• Open banking providers where you have given your consent to connect your bank account
• IT and software service providers who support our business operations (acting as data processors under our instruction)
• Professional advisors including solicitors and accountants, where necessary
• The Financial Conduct Authority (FCA) and other regulatory bodies where required

We do not sell your personal data to third parties. We do not share your data for third-party marketing purposes without your explicit consent.

We primarily process your data within the United Kingdom and the European Economic Area (EEA). Where we or our service providers transfer data outside of the UK or EEA, we ensure that appropriate safeguards are in place in accordance with UK GDPR requirements, such as the use of Standard Contractual Clauses approved by the ICO.

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including satisfying any legal, regulatory, or reporting requirements.

• Enquiry and application data: retained for 6 years from the date of the enquiry or last contact, in line with FCA record-keeping requirements
• Client data where a funding arrangement was completed: retained for 6 years from the end of the arrangement
• Anti-money laundering records: retained for 5 years from the end of the business relationship
• Marketing preferences: retained until you withdraw consent or opt out
• Website technical data: retained for up to 12 months

You have the following rights in relation to your personal data:

• Right of access: you may request a copy of the personal data we hold about you (a Subject Access Request)
• Right to rectification: you may ask us to correct inaccurate or incomplete data
• Right to erasure: you may ask us to delete your data where there is no compelling reason for us to continue processing it
• Right to restrict processing: you may ask us to limit how we use your data in certain circumstances
• Right to data portability: you may request your data in a structured, machine-readable format
• Right to object: you may object to processing based on legitimate interests or for direct marketing purposes
• Rights related to automated decision-making: you have the right not to be subject to decisions made solely by automated processing that significantly affect you

To exercise any of these rights, please contact us at [email protected]. We will respond within one calendar month. We may need to verify your identity before processing your request.

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk or by calling 0303 123 1113.

Our website uses cookies and similar tracking technologies to improve your browsing experience, analyse site traffic, and understand where our visitors are coming from. Cookies are small text files stored on your device.

We use the following types of cookies:

• Strictly necessary cookies: required for the website to function and cannot be switched off
• Analytics cookies: help us understand how visitors interact with our website (e.g. Google Analytics)
• Preference cookies: remember your settings and choices to improve your experience

You can control and manage cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the website. For more information, please see our Cookie Policy.

We will only send you marketing communications where you have given your explicit consent to receive them, or where we have a legitimate interest in doing so and you have not opted out. You may withdraw your consent or opt out of marketing communications at any time by contacting us at [email protected] or by clicking the unsubscribe link in any marketing email we send you.

We take the security of your personal data seriously. We have implemented appropriate technical and organisational measures to protect your data against unauthorised access, loss, destruction, or alteration. These include secure encrypted connections (HTTPS), access controls, and regular security reviews.

Where we engage third-party service providers to process data on our behalf, we ensure they are bound by appropriate data processing agreements and maintain equivalent security standards.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this page periodically.

Where changes are material, we will take reasonable steps to notify you, such as by placing a notice on our website or contacting you directly.

If you have any questions, concerns, or requests relating to this Privacy Policy or the way we handle your personal data, please contact us: