Requesting access to tools and information
You may wish to have access to certain tools and information made available on our site before you decide that you would like to register to use our services, including our foreign exchange and payment service. We may collect your information as part of this access and use your information so that we can supply you with information about our services, our products and relevant market information.
Registration and administration
We use your information to enable you to register with us and, once your registration with us is complete, for the administration of your account, to contact you, to update our records about you, and to respond to and process your queries and requests.
Our products and services
We use your information so that we can supply you with our products and services which you use or have requested and to meet our contractual obligations to you. We also use your information to notify you about changes or developments relating to our products and services which you use or have requested.
Prevention and detection of crime
Capital IFX LTD and the provision of our products and services are subject to the Money Laundering Regulations 2007 and regulation by HM Revenue and Customs. Some of our products and services are also subject to regulation by the Financial Conduct Authority (“FCA”). This means that we must verify the information you give us as part of our customer due diligence obligations. In many cases this verification will happen automatically through the use of an electronic identification tool. Sometimes we may ask you to provide us with copies of personal identification documents (such as your passport or driving licence) and a proof of address (such as a bank statement or utility bill).
We may be required by the Money Laundering Regulations 2007, by HM Revenue & Customs, by the FCA or other regulatory bodies, by the police or other law enforcement agencies, by a court or otherwise by law to use your information in the detection, prevention or prosecution of crime, tax evasion or fraud.
Sharing information with other companies, agents, affiliates and sub-contractors
Capital IFX ltd works with a variety of companies and individuals to provide you with the services you require. We may share your information with other parties where we need to do so to provide you with any of the products or services you have requested or where you have asked us to do so. We may share your data with other companies, agents, individuals, affiliates and sub-contractors who are helping Capital IFX Ltd provide you with the services you require.
We may share your information with anyone (for example, an agent) who you have told us or who we are otherwise aware is acting on your behalf, or who introduces you to us, or who you have asked us to contact.
We may have to share your information with a government body or regulatory authority (such as HM Revenue and Customs or the FCA), with the police or other law enforcement agencies (for example, in connection with criminal prosecutions, money laundering or fraud investigations), or with other persons or bodies by order of a court or to meet a legal or regulatory requirement or for other lawful reasons, such as for taxation or audit purposes.
Credit controls or debt collection agencies
We may share your information with credit control or debt collection agencies, for example, if you owe us money and we engage their services to recover it from you.
On a business sale or purchase
If we decide we want to sell our business or receive an offer to buy our business we may have to share your information with a prospective purchaser and their legal, financial or other advisers. In these circumstances, we will take appropriate steps to ensure that your information is properly protected.
We will not normally share your information with anyone else unless we need to do so to provide you with our products or services which you use or unless you have asked us to do so. You may sometimes ask us about, or we may sometimes ask you if you are interested in, products or services which we are unable to provide but which someone else we know may be able to provide (for example, travel, furniture removal, haulage or financial services). We will never pass your information to other service providers unless you have asked us to do so. Please note that we are not responsible for and cannot be liable to you for any products or services of other service providers whom we introduce.
We may share your information with other service providers. We will use this information to enable Capital IFX Ltd to review, develop and improve its products and services; to help identify products and services that may be of interest to you; for statistical research and analysis; and, if you do not indicate that you do not wish your data to be so used, for direct marketing purposes.
Capital IFX LTD may use your information to send you information concerning products or services which you use and other Capital IFX LTD products or services which we think may be of interest to you. This may include information concerning promotions or offers which could benefit you. If you would prefer not to receive information concerning products or services which we think may be of interest to you, including special offers and promotions, then please indicate by ticking the relevant box when prompted or thereafter please contact us to update your preferences.
Capital IFX LTD may use your information to send you information concerning products or services provided by our carefully selected partners where you have asked us to do so. This may include information concerning removals, overseas banking, insurance and other services complementary to your needs. You will be asked to indicate whether you would be interested in such information by ticking the relevant box when prompted.
To change your Capital IFX LTD marketing preferences please write to us at email@example.com – you are entitled to change your marketing preferences at any time.
We monitor and record our telephone calls with you and use any transcripts of them:
• so we can be sure we fully understand the instructions you give us and our obligations to you
• so we have a clear record of the products and services you have requested
• for the purposes of the prevention or detection of money laundering or crime, including fraud
Cookies are small, often encrypted text files, located in your internet browser and are used by most websites. We use them to help personalize your web experience, ensure you can navigate our website efficiently and perform certain functions. Due to their core role of enhancing or enabling usability or site processes, disabling cookies may prevent you from using certain parts of this website. It will also mean that some features on this website will not function if you do not allow cookies.You are not obliged to accept cookies that we send to you and you can modify your browser so that it will not accept cookies. You should follow the instructions in your browser (usually located within the “Help”, “Tools” or “Edit” facility) to enable or disable cookies.
Information security outside of the UK
All countries in the EEA have similar standards of legal protection for personal information. For this reason, we will not normally take further steps to ensure your information is protected when we share it with other people or businesses based in the EEA.
Where we share your information with people or businesses based outside of the EEA, if they are a Capital IFX LTD company or, based in a country approved by the Information Commissioner, or are a signatory to what is known as the “Safe Harbour” regime (which applies to certain companies in the USA), then we will not normally take further steps to ensure your information is protected.
Where we share your information with people or businesses based outside of the EEA and they are neither a Capital IFX LTD company nor based in an Information Commissioner approved country nor a signatory to the Safe Harbour regime, we will normally take appropriate steps to ensure that your information is suitably protected.
Where we share your information with people or businesses which you ask us to deal with or [who you already know or who already know you] wherever they are based, we will not normally make any further enquiry concerning them or take any further steps to ensure your information is protected.
The Internet is not a secure environment.
While we take reasonable measures to keep your information secure, we cannot guarantee your online data security. We are not liable to you for any loss of data, injury or harm which occurs to you as a result of the transmission of your information over the Internet, unless this occurs as a result of our negligence or wilful misconduct.
We are required to handle information which we hold about you that is capable of identifying you (either alone or with any other information we may hold about you) in accordance with the Data Protection Act 1998 (“the Act”), which regulates the use of “personal data” in the United Kingdom.
You have the right under the Act to ask us in writing for details concerning the “personal data” we hold about you, including a description of that data, the purposes for which it is being used and to whom that data has been or may be disclosed. We may charge you an administration fee for providing you with this information.
You can find out more about the Act and your rights by visiting the website of the Information Commissioner at www.ico.gov.uk. The Information Commissioner’s Office can also be contacted by telephone on 08456 306060.
How to contact us