Our privacy policy

Your privacy and the protection of your personal data is important to us.


Personal data is any information that's about you or that can be used to identify you. We will collect and process information about you that is subject to data protection laws. We want you to understand how we use your personal data, the reasons why and the options available to you.


A summary of our privacy policy is below.


How we collect your personal data

Most of the personal data we collect comes directly from you. This includes information you provide:

  • When you apply for, open and operate your account.
  • Through your communications with us.
  • Through your interactions with us on our website.
  • Through your use of our products and services.
To open your account and provide our services, we may also collect your personal data from public records and third parties. These include fraud prevention agencies, providers of identity verification services, banks, law enforcement agencies and regulators.

The personal data we collect

We collect your personal data to open and operate your account(s) and, where required, to adjust our services to meet your needs. The types of personal data we collect include:

  • Your contact information.
  • Information used to verify your identity.
  • Authentication and anti-fraud data.
  • Information about transactions on your account.
  • Information relating to communications with us and complaints you may make about our services.
  • Device information (such as the IP address of your computer) and location data.

Why we use your personal data

We use your personal data to provide the services promised to you in our contract. We also use it to comply with the laws and regulations that apply to LDN4 Capital and our products and where it is in our legitimate interests to do so. Some of the key ways we use your personal data are to:

  • Verify your identity and open your LDN4 account.
  • Deliver services to you, like providing statements and applying interest payments.
  • Communicate with you: for example, by phone or email.
  • Maintain the security of your account to protect you and us against fraud.
  • Analyse, develop and improve our products.
  • Directly market our products and services to you (with your consent).
We also sometimes use your data to make automated decisions about you and the services we can provide you with. For example, we use automated decision-making algorithms to decide whether or not you pose a fraud risk. The LDN4 Capital website uses cookies and other tracking technologies for performance, analytics and advertising purposes.

Who we share your personal data with and why

We share your personal data with other companies in the LDN4 Capital group that help provide our services. We also share your personal data with third party service providers who act on our behalf to help provide our services, including credit reference agencies, fraud prevention agencies and other banks. We may also share your personal data with law enforcement or government agencies.

How long we keep your personal data

We keep your data for varying time periods to comply with our legal and regulatory obligations. We may also keep it to establish, exercise or defend our legal rights and claims.

Your rights and how to contact us

You have certain legal rights in relation to your personal data. For example, where you have given your consent to receive direct marketing from us, you can opt out at any time and we will stop direct marketing to you. If you have questions about our privacy policy or want to exercise any of your data protection rights, call or email our Customer Care Team.