Fair Processing

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Who We Are

Jemrex Capital Ltd (referred to as “we,” “us,” or “our”) is the controller of your personal information under applicable data privacy laws. For questions or concerns, you can contact us:

  • Email: info@jemrex.com
  • Address: 208 Middleton Road, Manchester, M8 4NA
  • Phone: 0161 727 0767

Your privacy is important to us at Jemrex Capital Ltd. This notice explains how we handle your personal data.

What Personal Information We Collect

We may collect the following information:

  • Directly from you: Name, contact details, date of birth, address history, employment details, identification documents, bank details, solvency/litigation history, and details of any criminal convictions.
  • From third parties: Information from Credit Reference Agencies (CRAs), fraud prevention agencies, brokers, and equipment suppliers.

How We Use Your Information

We use your personal data for:

  1. Providing Services: Processing applications, credit decisions (automated or otherwise), and managing agreements.
  2. Legal Obligations: Ensuring compliance with legal and regulatory requirements.
  3. Marketing: Promoting relevant products or services (only if you consent).
  4. Debt Recovery: Enforcing our legal rights if necessary.

Legal Basis for Processing

We process your information under the following legal bases:

  • Contractual necessity: To deliver our services.
  • Legal obligations: To comply with regulations.
  • Legitimate interests: To improve our services, prevent fraud, and conduct research.
  • Consent: For marketing communications, where required.

Credit Reference and Fraud Prevention Agencies

  • We may perform credit checks with CRAs and fraud prevention agencies to verify your identity, assess your application, and trace debt if required.
  • Information shared with CRAs may include your financial details, application outcomes, and payment history.
  • Fraudulent activity may result in denial of services and reporting to fraud prevention agencies.

For more details, please refer to the CRAs’ Credit Reference Agency Information Notice (CRAIN) at www.experian.co.uk/crain/index.html.

Sharing Your Data

We may share your data with:

  • Funders: For assessing and managing credit agreements.
  • Third-party suppliers: For services like ID verification, equipment delivery, and auditing.
  • Debt recovery agencies: In cases of default.
  • Government and regulatory bodies: To meet legal requirements.
  • Other third parties: In the event of business mergers, acquisitions, or reorganizations.

International Data Transfers

If your data is transferred outside the UK or EEA, we will ensure it is protected through safeguards like Standard Contractual Clauses or equivalent measures.

Data Retention

We keep your personal information for as long as necessary to:

  • Fulfil our contractual and legal obligations.
  • Enforce our rights and protect our interests.

Your Rights

You have the right to:

  • Access your data.
  • Correct inaccurate information.
  • Request deletion (where applicable).
  • Object to or restrict certain processing.
  • Complain to the Information Commissioner’s Office (ICO) via www.ico.org.uk/concerns.

Marketing Preferences

We may contact you about similar products or services, where permitted by law. You can opt out at any time by emailing

  • Email: info@jemrex.com
  • Address: 208 Middleton Road, Manchester, M8 4NA
  • Phone: 0161 727 0767