Introduction
BST Capital Ltd ("BST Capital," "we," "us," or "our") is a commercial finance broker in the United Kingdom providing non-regulated business-to-business services. We are committed to protecting the privacy and security of your personal data. This Privacy Policy explains what information we collect, how we use and share it, and your rights regarding your personal data. It is written in accordance with UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

What Information We Collect

We may collect and process various types of information about you and your business, including:

• Personal and Contact Details: Your name, job title, and contact information (business address, email, telephone number).
• Business Information: Business name, company registration number, trading address, nature of business, and relevant background information.
• Financial Information: Bank statements, accounts receivable ledgers, profit and loss statements, balance sheets, cash flow statements, and outstanding debt details.
• Credit Information: Credit history or score, and relevant credit references or reports.
• Asset and Liability Details: Information about business assets and liabilities provided as part of a finance application.
• Identification Documents: Copies of ID or proof of address for key individuals when required to verify identity or comply with anti-fraud and anti-money laundering laws.
• Other Information: Any information you provide when communicating with us, including via our contact form, phone, or email.

How We Use Your Information

We use your information only for legitimate business purposes and in accordance with data protection law, including:

• Providing Our Finance Brokerage Services: Understanding your financing needs and identifying appropriate options.
• Underwriting and Obtaining Finance Offers: Sharing relevant information with our panel of lenders to obtain quotes and credit decisions.
• Communication and Support: Responding to enquiries, updating you on applications, and providing customer support.
• Business Administration and Legal Compliance: Record-keeping, compliance with applicable laws, and fraud prevention.
• Improving Our Services: Using anonymised, aggregated data to analyse and improve our services.
• Marketing: We do not use your information for unsolicited marketing. We will only contact you for marketing if you have explicitly consented, and you may opt out at any time.

Legal Basis for Processing: We rely on contractual necessity, legitimate interests, and legal obligation as our primary bases. Where we rely on consent (e.g. for marketing), you may withdraw it at any time.

Sharing of Information

We will never sell or rent your personal data. We only share your information with:

• Lenders and Finance Partners: To seek financing options and obtain offers on your behalf.
• Service Providers: Trusted third parties (such as IT providers and professional advisors) who process data only on our behalf and under confidentiality obligations.
• Business Transfers: In the event of a merger or acquisition, your data may be transferred — we will notify you of any significant changes.
• Legal Requirements: Where we are legally required to disclose data to authorities, regulators, or courts.

Your personal data is stored and processed on secure servers in the UK. We do not transfer data outside the United Kingdom or EEA without appropriate safeguards.

Your Rights

Under UK data protection law, you have the following rights regarding your personal data:

• Right to be Informed — clear information about how your data is used.
• Right of Access — request a copy of the data we hold about you.
• Right to Rectification — have inaccurate or incomplete data corrected.
• Right to Erasure — request deletion of your data in certain circumstances.
• Right to Restrict Processing — ask us to limit how we process your data.
• Right to Data Portability — receive your data in a structured, machine-readable format.
• Right to Object — object to processing based on legitimate interests or for direct marketing.
• Right to Withdraw Consent — withdraw consent at any time where processing is consent-based.

To exercise any of these rights, contact us at office@bstcapital.co.uk. We will respond within one month. If you have concerns, you may also lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk or call 0303 123 1113.

Data Security

We implement appropriate technical and organisational measures to protect your data, including:

• Secure Servers with firewalls, encryption, and intrusion detection.
• SSL/TLS Encryption for data in transit via our website.
• Access Controls — data is accessible only to authorised personnel on a need-to-know basis.
• Regular Security Reviews and monitoring for vulnerabilities.
• Data Breach Procedures — we will notify you and the ICO where legally required.

We retain your data only as long as necessary for the purposes collected, including any applicable legal or accounting obligations.

Cookies and Website Data

When you visit our website, we may collect information via cookies and similar technologies. We use:

• Essential Cookies — necessary for the website to function correctly.
• Analytics Cookies — anonymised data to help us understand how the site is used.
• Functionality Cookies — to remember your preferences and improve your experience.

We do not use third-party advertising or retargeting cookies. You can control cookies via your browser settings, though disabling them may affect site functionality.

Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting an updated version on our website. Your continued use of our services after any changes constitutes acceptance of those changes.

Last Updated: 27 May 2025

Last updated: April 2026

Please read these Terms and Conditions carefully before using the services provided by BST Capital Ltd ("BST Capital", "we", "us", or "our"). By engaging our services or using our website at bstcapital.co.uk, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our services.

1. About Us

BST Capital Ltd is a commercial finance broker registered in England and Wales. We act as an intermediary between businesses seeking finance and our panel of lenders and funding providers. We are not a lender and do not provide finance directly.

Registered Office: Unit 9, Brenton Business Complex, Bond Street, Bury, BL9 7BE, United Kingdom.
Email: office@bstcapital.co.uk

2. Our Services

BST Capital provides commercial finance brokerage services to businesses. Our services include, but are not limited to, introducing clients to lenders and assisting in the preparation and submission of finance applications for products such as:

• Working Capital Loans
• Merchant Cash Advances
• Business Development Loans
• Commercial Term Loans
• Lines of Credit and Revolving Credit Facilities
• Debt Consolidation
• Short Term Advances

Our services are provided exclusively to businesses and not to individual consumers. All finance products we introduce are for business purposes only.

3. Eligibility

To use our services, you must: (a) be acting on behalf of a legitimate UK-registered business; (b) be authorised to bind that business to agreements; (c) be at least 18 years of age; and (d) provide accurate and complete information when requested. We reserve the right to decline any application or enquiry at our discretion.

4. No Guarantee of Finance

BST Capital does not guarantee that an application for finance will be successful or that any particular product, rate, or amount will be made available to you. Decisions regarding finance are made solely by the relevant lender, and we have no control over those decisions. We will always act in good faith to identify suitable options for your business, but we make no warranty that any finance will be obtained.

5. Fees and Remuneration

BST Capital is typically remunerated by commission or a broker fee paid by the lender upon successful completion of a finance arrangement. In some cases, we may charge a fee directly to the client, if this applies to your case, we will disclose this to you clearly in writing before you commit to any arrangement.

We will always disclose the nature and basis of our remuneration before you proceed. You are entitled to ask us at any time how we are paid in relation to your enquiry.

6. Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information at all times;
• Notify us promptly of any material changes to your business circumstances;
• Not misrepresent your business, its financial position, or any other relevant information;
• Use our services only for lawful purposes;
• Not use our website in any way that causes damage, disruption, or unreasonable burden on our systems.

Providing false or misleading information may constitute fraud and could be reported to the relevant authorities. BST Capital accepts no liability for consequences arising from inaccurate information provided by you.

7. Third Party Lenders

BST Capital works with a panel of third-party lenders and financial institutions. We are not responsible for the actions, decisions, terms, or conduct of any lender. Any finance agreement you enter into is directly between you and the relevant lender, governed by their own terms and conditions. We recommend that you read all lender documentation carefully before signing any agreement.

8. Limitation of Liability

To the fullest extent permitted by law, BST Capital shall not be liable for:

• Any loss of profit, revenue, business, or anticipated savings;
• Any indirect or consequential losses arising from your use of our services;
• Any decisions made by a lender in relation to your application;
• Any loss arising from inaccurate information you have provided to us;
• Interruptions to or errors on our website.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other matter which cannot be excluded or limited by law.

9. Confidentiality

Both parties agree to keep confidential all non-public information received from the other in connection with our services. BST Capital will handle your business and financial information with care and will only share it as necessary to provide our services or as required by law. Please refer to our Privacy Policy for full details of how we handle your personal data.

10. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of BST Capital Ltd or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any content on our website without our express written permission.

11. Website Availability

We endeavour to keep our website available at all times but cannot guarantee uninterrupted access. We reserve the right to suspend, restrict, or withdraw access to all or any part of our website at any time for operational, security, or maintenance reasons. We will not be liable for any loss or inconvenience caused by any unavailability of the site.

12. Links to Third Party Websites

Our website may contain links to third-party websites for your convenience and information. These links do not constitute endorsement of those websites or their content. BST Capital has no control over third-party websites and accepts no responsibility for their content, privacy practices, or availability. You access third-party sites entirely at your own risk.

13. Complaints

We are committed to providing a high-quality service. If you are dissatisfied with any aspect of our service, please contact us in the first instance:

We will acknowledge your complaint within 5 business days and aim to provide a full response within 28 days. If you remain dissatisfied, you may have the right to refer your complaint to an appropriate dispute resolution body depending on the nature of your complaint.

14. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Changes to These Terms

We reserve the right to update or amend these Terms and Conditions at any time. Changes will be posted on this page with an updated date. Your continued use of our services or website after any changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

Last Updated: April 2026  |  BST Capital Ltd, registered in England & Wales.