Privacy Policy
We are committed to protecting your personal information and being transparent about how we use it. This policy explains what data we collect, why we collect it, how we use it, and your rights in relation to it.
Your privacy matters to us. We only collect information that is necessary to provide our services and improve your experience. We will never sell your personal data to third parties.
1. Who We Are
Rinia Capital ("we", "us", "our") is a commercial funding consultancy that helps small and medium-sized businesses access funding solutions. We act as a data controller in respect of the personal information we process about you.
For any privacy-related questions or requests, please contact us at info@riniacapital.com.
2. Information We Collect
We may collect and process the following types of information:
Information you provide directly
- Contact details: Your name, email address, phone number, and business name when you submit an enquiry or application form.
- Business information: Details about your business including turnover, trading history, funding requirements, and any other information you voluntarily share with us.
- Communications: Records of any correspondence between you and Rinia Capital, including emails, calls, and messages.
Information collected automatically
- Usage data: Information about how you use this website, including pages visited, time spent, and referring URLs.
- Device and browser data: Your IP address, browser type and version, operating system, and device type.
- Cookies: Small data files stored on your device. See Section 8 for more detail.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to enquiries: Processing and responding to funding enquiries and applications submitted through our website or by other means.
- To assess eligibility: Reviewing your business profile to identify potentially suitable funding products and providers.
- To provide our services: Preparing and supporting funding applications, and making introductions to relevant lenders or providers.
- To communicate with you: Sending updates about your enquiry or application, and responding to your questions or requests.
- To improve our website: Analysing usage data to understand how visitors use our site and to improve its performance and content.
- To comply with legal obligations: Meeting our regulatory, legal, and compliance requirements.
We will not use your information for automated decision-making or profiling that has a significant effect on you without your knowledge and consent.
4. Legal Basis for Processing
We process your personal information on the following legal grounds:
Processing needed to provide the services you have requested or to take steps at your request before entering into an agreement.
Processing necessary for our legitimate business interests, such as responding to enquiries, improving our website, and managing our business — where these interests are not overridden by your rights.
Processing required to comply with a legal obligation to which we are subject.
Where you have given clear consent to process your data for a specific purpose, such as receiving marketing communications. You may withdraw consent at any time.
5. Sharing Your Information
We do not sell your personal data. We only share your information in the following circumstances:
- With lenders and funding providers: Where you have asked us to explore or submit a funding application on your behalf, we may share relevant business and personal information with suitable lenders or funding providers within our network. We will always inform you before doing so.
- With service providers: Third-party companies that help us operate our business (such as CRM platforms, email services, or website hosting providers) may process your data on our behalf. These providers are contractually required to handle data securely and only as directed by us.
- Legal requirements: Where we are required to disclose information by law, court order, or a regulatory authority.
- Business transfers: In the event of a merger, acquisition, or sale of all or part of our business, your data may be transferred as part of that transaction. We will notify you before this occurs.
SMS opt-in data — no sharing, no exceptions. Your consent to receive SMS messages from Rinia Capital, including your phone number and opt-in record, will never be sold, rented, shared, or disclosed to any third party or affiliate for their own marketing, messaging, or any other purpose. This is an absolute restriction with no exceptions.
6. SMS Messaging & Opt-In Data
When you provide your mobile phone number and consent to receive SMS messages from Rinia Capital, we collect and use that information as set out below.
What we collect
- Your mobile phone number as provided on our forms.
- A record of your explicit opt-in consent, including the type of messages consented to (marketing or transactional).
- The date and timestamp your consent was given.
- Any opt-out requests (STOP replies) and the date received.
How we use SMS data
- Marketing SMS: If you opted in, we may send promotional messages about funding solutions, business finance insights, and relevant updates. Message frequency may vary — typically up to 4 messages per month.
- Transactional SMS: If you opted in, we send non-marketing messages related to your application or enquiry, including status updates, appointment reminders, and document notifications. Frequency is driven by activity on your application.
Message & data rates
Message and data rates may apply to all SMS messages sent and received. These charges are set by your mobile carrier and are not controlled by Rinia Capital.
How to opt out
Reply STOP to any message to unsubscribe at any time. Reply HELP for support contact details. Once you opt out, no further messages will be sent except a single confirmation. You may opt back in at any time by contacting us.
No sharing of SMS opt-in data
We do not share SMS opt-in data with any third party. Your phone number, consent record, and opt-out data is never sold, rented, disclosed, or transferred to third parties or affiliates for any purpose whatsoever. This applies without exception.
Retention of consent records
We retain records of your opt-in consent and opt-out requests for a minimum of 4 years for compliance and audit purposes. These records are used solely for compliance and are not used for any other processing activity.
Full SMS programme details
For the complete description of our SMS programme — including programme use cases, opt-out instructions, age restrictions (18+), carrier disclaimers, and support contact details — please refer to Section 11 of our Terms & Conditions.
7. Data Retention
We retain your personal information only for as long as is necessary for the purposes for which it was collected, or as required by law.
- Enquiry and application data is typically retained for up to 6 years following the completion or close of an application, in line with standard commercial record-keeping practices.
- Communication records are retained for as long as the relationship with you is active and for a reasonable period thereafter.
- Website analytics data is retained in anonymised or aggregated form and does not identify individual users.
When your data is no longer needed, we will delete it securely or anonymise it so it can no longer be associated with you.
8. Data Security
We take the security of your personal information seriously and implement appropriate technical and organisational measures to protect it against unauthorised access, accidental loss, alteration, or disclosure.
These measures include:
- Secure transmission of data using encryption (HTTPS/TLS).
- Access controls limiting who within our organisation can view your data.
- Regular review of our security practices and systems.
While we take every reasonable step to protect your information, no transmission over the internet is 100% secure. We cannot guarantee absolute security but will notify you promptly in the event of a data breach that is likely to affect your rights.
9. Cookies
We use cookies and similar tracking technologies to improve your experience on our website and to understand how visitors use it.
Types of cookies we use
You can control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the website. For more information about managing cookies, visit aboutcookies.org.
10. Your Rights
Depending on your location and applicable law, you may have the following rights in relation to your personal data:
Request a copy of the personal data we hold about you.
Ask us to correct inaccurate or incomplete data.
Request deletion of your personal data where there is no longer a lawful reason for us to hold it.
Ask us to pause processing your data in certain circumstances.
Receive your data in a structured, commonly used, machine-readable format.
Object to processing based on legitimate interests or for direct marketing purposes.
To exercise any of these rights, please contact us at info@riniacapital.com. We will respond within 30 days. We may need to verify your identity before processing your request.
If you are unhappy with how we have handled your data, you have the right to lodge a complaint with the relevant data protection supervisory authority in your jurisdiction.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to read the privacy policies of any external sites you visit, as their data handling practices may differ significantly from ours.
12. Children's Privacy
Our website and services are intended for adults operating businesses. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us and we will take steps to delete it promptly.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any changes will be published on this page, with the "Last updated" date revised accordingly.
We encourage you to review this policy periodically. Where changes are significant, we will endeavour to notify you directly — for example by email if you have an active enquiry with us.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal data, please get in touch: