Privacy Policy

Effective Date: 11 May 2026

At Mat Capital Ltd (“Mat Capital”, “we”, “us”, or “our”), we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website and use our services.

This policy applies to our website, www.matcapital.co.uk (or your current website domain), and any other websites, applications, or services operated by Mat Capital Ltd.

Who We Are

Mat Capital Ltd is a specialist finance company providing bridging loans and related property finance solutions across the United Kingdom.

As a data controller, we are responsible for deciding how your personal information is used and ensuring that it is handled in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Information We Collect

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

Information You Provide to Us

Full name
Email address
Telephone number
Residential or correspondence address
Date of birth
Property and financial information
Identification documents
Details relating to your finance enquiry or loan application

Information Collected Automatically

When you visit our website, we may automatically collect:

IP address
Browser type and version
Device information
Operating system
Referral source
Pages viewed and time spent on the website
Date and time of your visit

Information from Third Parties

We may receive information from:

Credit reference agencies
Fraud prevention agencies
Solicitors and valuers
Mortgage intermediaries and brokers
Public registers (e.g., HM Land Registry, Companies House)

How We Use Your Information

We use your personal information for the following purposes:

To respond to enquiries and provide quotations
To assess your eligibility for bridging finance
To verify your identity and carry out anti-money laundering (AML) checks
To perform credit and affordability assessments
To manage and administer loans
To comply with legal and regulatory obligations
To detect and prevent fraud
To improve our website and services
To send marketing communications where permitted by law

Lawful Bases for Processing

Under UK GDPR, we process your personal information under one or more of the following lawful bases:

Performance of a contract – to provide finance products and services
Legal obligation – to comply with regulatory and statutory requirements
Legitimate interests – to operate and improve our business
Consent – where required, such as for certain marketing communications

Sharing Your Information

We may share your personal information with:

Lenders and funding partners
Mortgage brokers and introducers
Solicitors, valuers, and surveyors
Credit reference and fraud prevention agencies
Regulatory bodies such as the Financial Conduct Authority (FCA)
IT and website service providers
Professional advisers, including auditors and legal advisers
Law enforcement or government authorities where required by law

We require all third parties to respect the security of your personal information and process it in accordance with applicable data protection laws.

International Transfers

Where your personal information is transferred outside the United Kingdom, we will ensure appropriate safeguards are in place, such as the UK International Data Transfer Agreement or adequacy regulations.

Data Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, and regulatory requirements.

For loan applications and customer records, we may retain information for up to seven years after the end of our relationship, or longer where required by law.

Security of Your Information

We implement appropriate technical and organisational measures to protect your personal information from accidental loss, misuse, unauthorised access, disclosure, alteration, or destruction.

Cookies and Website Analytics

Our website may use cookies and similar technologies to improve functionality and analyse website traffic.

You can control cookies through your browser settings. For more information, please refer to our Cookie Policy.

Marketing Communications

If you opt in to receive marketing communications, we may send you updates about our services, products, and industry news.

You may unsubscribe at any time by clicking the unsubscribe link in our emails or by contacting us directly.

Your Data Protection Rights

Under UK GDPR, you have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Request erasure of your personal information
Restrict or object to processing
Request transfer of your data to another provider
Withdraw consent at any time where processing is based on consent
Lodge a complaint with the UK Information Commissioner’s Office (ICO)

For more information, visit the Information Commissioner's Office (ICO).

Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect legal, regulatory, or operational changes. Any updates will be posted on this page, and the revised policy will take effect immediately upon publication.

Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact:

Mat Capital Ltd
Email: info@matcapital.co.uk
Website: www.matcapital.co.uk

Complaints

If you are unhappy with how we process your personal information, you have the right to lodge a complaint with the:

Information Commissioner's Office (ICO)
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Telephone: 0303 123 1113