PRIVACY POLICY

Last updated: 30 September 2026

PURPOSE OF THIS POLICY

This Privacy Policy explains how Silverline Autos Limited, trading as Release My Capital (“Release My Capital”, “we”, “us” or “our”), collects, uses, stores and shares your personal information.

We process personal information in accordance with applicable UK data protection legislation, including the UK General Data Protection Regulation (“UK GDPR”), the Data Protection Act 2018 and other applicable data protection and privacy legislation, as amended from time to time.

This Privacy Policy applies to personal information collected or obtained by ReleaseMyCapital.co.uk in connection with enquiries, applications, loan agreements and our ongoing relationship with customers.

ABOUT US

ReleaseMyCapital.co.uk is a trading name of Silverline Autos Limited, registered in England and Wales under company number 12885055, with its registered office at:

333 Edgware Road
London
NW9 6TD

Silverline Autos Limited is authorised and regulated by the Financial Conduct Authority under FRN 937390.

Silverline Autos Limited is the data controller responsible for deciding how and why your personal information is processed.

You can enquire regarding data protection matters at:

Email: info@releasemycapital.co.uk
Post: 333 Edgware Road, London, NW9 6TD

WHAT ARE YOUR RIGHTS UNDER DATA PROTECTION LAW?

Depending on the circumstances and the legal basis on which we process your information, you may have the following rights.

Your right of access

You have the right to request a copy of the personal information we hold about you, subject to certain legal exemptions.

Requests can be made by emailing info@releasemycapital.co.uk or writing to us at 333 Edgware Road, London, NW9 6TD.

Your right to rectification

You have the right to ask us to correct personal information that you believe is inaccurate and to complete information that you believe is incomplete.

Your right to erasure

You may have the right to ask us to delete your personal information in certain circumstances.

This right does not apply where we are legally or regulatorily required to retain the information or otherwise have a lawful reason for keeping it.

Your right to restriction of processing

You may have the right to ask us to restrict how we use your personal information in certain circumstances.

Your right to object

You may have the right to object to processing carried out on the basis of our legitimate interests.

You also have the right to object to the use of your personal information for direct marketing.

Your right to data portability

In certain circumstances, you may ask us to provide personal information you have supplied to us in a structured, commonly used and machine-readable format or to transfer that information to another organisation.

Withdrawing consent

Where we rely on your consent to process personal information, you may withdraw that consent at any time.

Withdrawal will not affect processing that took place before consent was withdrawn or processing carried out under another lawful basis.

You will not normally be required to pay a fee to exercise your data protection rights.

If you are unhappy with the way we use your personal information, you may also complain to the Information Commissioner's Office (“ICO”).

WHAT PERSONAL INFORMATION DO WE COLLECT?

Depending on your relationship with us, we may collect and process information including:

your title, full name and date of birth;
your residential address and previous address history;
your telephone number and email address;
identity-verification information;
information obtained through anti-money laundering, sanctions, fraud-prevention and identity-verification checks;
your nationality, residency or right-to-reside information where relevant;
information about your employment or source of income;
information about your income and expenditure;
information about your financial commitments and existing borrowing where relevant;
your bank account and payment details;
information about your application, loan agreement and repayment history with us;
communications between you and us, including telephone calls, emails and messages;
information about how you use our website and online services;
information required for fraud prevention or the prevention of financial crime; and
where relevant, information relating to vulnerability or health that you choose to provide to us.

Information about your asset

As our lending is secured against assets, we also collect and process information relating to the asset you propose to use as security.

Depending on the type of asset, this may include:

the type, make, model and description of the asset;
photographs and videos;
serial numbers, VIN numbers, registration numbers or other identifying information;
documents relating to ownership;
purchase records, invoices or receipts;
information regarding provenance or authenticity;
information about the condition of the asset;
valuation information;
information about any existing finance, security interest or other claim over the asset;
vehicle-history or asset-history information;
insurance information where relevant;
inspection reports;
storage, collection or delivery information; and
information obtained from asset databases, valuers, dealers, manufacturers, registries or other specialist providers.

Where we process special category information, such as information concerning health, we will only do so where an appropriate legal basis and condition under data protection law applies.

HOW DO WE USE YOUR INFORMATION?

We may use your personal information:

to verify your identity;
to carry out anti-money laundering, sanctions and fraud-prevention checks;
to process and consider your loan application;
to assess affordability and creditworthiness using the information you provide to us and other information we are lawfully permitted to consider;
to identify, verify, inspect and value the asset offered as security;
to confirm that you own, or are entitled to offer, the asset as security;
to check whether the asset is subject to existing finance, security, liens, claims or other interests;
to assess the authenticity, provenance and condition of the asset where relevant;
to determine the amount we may be prepared to lend against the asset;
to enter into and administer a loan agreement with you;
to manage payments and your account;
to arrange inspection, collection, storage, protection or return of an asset where appropriate;
to contact you regarding your enquiry, application or agreement;
to provide appropriate assistance where you tell us about financial difficulty or vulnerability;
to prevent and investigate fraud, money laundering or other criminal activity;
to recover sums owed to us and, where appropriate, enforce our contractual or legal rights;
to realise or sell security where we are legally entitled to do so;
to deal with complaints and enquiries;
to comply with FCA requirements and other legal and regulatory obligations;
to maintain business, accounting, audit and compliance records;
to improve our services, systems and website; and
to create internal management information and statistical analysis.

ASSESSMENT OF YOUR APPLICATION

When considering an application, we assess information about both you and the asset being offered as security.

Our assessment may include:

the information provided in your application;
your income and expenditure;
your existing financial commitments;
supporting documentation you provide;
our previous dealings with you, where applicable;
the nature and value of the asset;
ownership of the asset;
the asset's condition;
the asset's authenticity or provenance;
whether the asset is subject to any existing finance or third-party interest;
the likely realisable value of the asset; and
any other information that it is appropriate and lawful for us to consider.

Because our loans are secured against valuable assets, verification and assessment of the asset is an important part of our application process.

We may use internal staff and external specialist providers to inspect, authenticate, verify or value an asset.

The amount that we are willing to lend may be influenced by our assessment of the type, ownership, condition, authenticity, market value and likely realisable value of the asset.

CREDIT REFERENCE AGENCIES, IDENTITY AND ANTI-MONEY LAUNDERING CHECKS

Some third-party providers we use for identity verification, anti-money laundering or fraud-prevention purposes may also operate as Credit Reference Agencies (“CRAs”).

We do not use Credit Reference Agencies to obtain credit reports, credit scores or credit-history information for the purpose of making our lending decision.

Where we use an organisation that also operates as a CRA, we use its services for purposes such as:

confirming your identity;
verifying your name, address and date of birth;
anti-money laundering checks;
sanctions screening;
politically exposed person screening;
fraud prevention;
identifying suspected identity theft or financial crime; and
meeting our legal and regulatory obligations.

In particular:

we do not obtain a CRA consumer credit report to determine whether to lend to you;
we do not use a CRA credit score in our lending decision;
we do not search your borrowing history through a CRA for credit-assessment purposes;
we do not use CRA credit-history information to determine the amount we are prepared to lend;
we do not make periodic CRA credit searches for account-management purposes; and
we do not report your loan balance, repayment performance, arrears or defaults to CRAs for inclusion on your credit file.

A provider may retain a record that an identity, AML or fraud-prevention check has taken place in accordance with its own legal obligations and privacy policy.

Such a check is carried out for identity, AML or fraud-prevention purposes and is not used by us as a credit-reference search when deciding whether to lend.

ASSET CHECKS AND ASSET INFORMATION

Because our loans are secured against assets, we carry out checks on the asset offered as security.

These checks are an important part of our lending process.

Depending on the asset, we may verify:

the identity of the asset;
ownership;
registration details;
serial numbers or other identifiers;
authenticity;
provenance;
condition;
current market value;
expected resale or realisable value;
whether the asset has been reported lost or stolen;
whether the asset is subject to existing finance or other security;
whether another person has an interest or claim over the asset; and
any other information reasonably necessary to determine whether we are willing to accept the asset as security.

For vehicles, this may include checks using the registration number, VIN, vehicle-history databases and information concerning existing finance or other interests.

For watches, jewellery, precious metals, fine art or other valuable assets, this may include serial-number checks, inspection, authentication, provenance checks and independent or specialist valuations.

We may share relevant information about the asset with specialist valuers, inspectors, authentication providers, storage providers, auctioneers, dealers or other service providers where necessary to process or administer your application or agreement.

Where an application does not proceed, we may retain records of relevant asset checks for an appropriate period for fraud prevention, compliance, complaint handling and record-keeping purposes.

HOW DO WE COLLECT YOUR INFORMATION?

We may collect personal information:

directly from you when you make an enquiry or application;
when you communicate with us by telephone, email, online form, text message or other means;
from documents you provide to us;
from identity-verification, AML and fraud-prevention service providers;
from publicly available sources and registers;
from vehicle, asset or ownership databases where lawful;
from asset valuers, dealers, auction houses, manufacturers, authentication providers or other specialists;
from organisations involved in inspecting, collecting, storing or selling an asset;
during the administration of your loan; and
through your use of our website and online services.

HOW DO WE LEGALLY USE YOUR INFORMATION?

We must have a lawful basis for processing your personal information.

Depending on the particular processing activity, we may rely on one or more of the following.

Contract

We may process information where it is necessary:

to take steps at your request before entering into a loan agreement;
to process your application;
to assess the proposed security;
to enter into an agreement with you;
to administer and manage your agreement;
to manage or protect the asset securing the agreement;
to process payments;
to communicate with you about the agreement; or
to take steps to recover amounts owed under the agreement.

Legal obligation

We may process information where necessary to comply with a legal or regulatory obligation, including:

identity verification;
anti-money laundering checks;
sanctions screening;
fraud-prevention activities;
responsible lending requirements;
regulatory record keeping;
responding to lawful requests from regulators, courts or law-enforcement bodies; and
responding to requests made under data protection legislation.

Legitimate interests

Where appropriate, we may process personal information where this is necessary for our legitimate business interests and those interests are not overridden by your rights and freedoms.

These interests may include:

assessing and verifying assets offered as security;
establishing ownership and title;
obtaining valuations;
protecting assets in which we have a security interest;
preventing and investigating fraud;
protecting our customers, assets and systems;
administering our business;
maintaining records;
improving our products, processes and systems;
handling and recovering debts;
defending or enforcing legal rights;
undertaking internal audits and compliance reviews; and
obtaining professional advice.

Consent

Where the law requires your consent, we will ask for it separately.

Acceptance of this Privacy Policy does not mean that consent is the legal basis for all processing described in it.

WHO DO WE SHARE YOUR INFORMATION WITH?

Where necessary and lawful, we may share personal information with:

identity-verification, AML and fraud-prevention providers;
asset valuers and inspectors;
specialist authentication providers;
vehicle-history and asset-information providers;
dealers, manufacturers or specialist asset experts;
auctioneers or sales agents where appropriate;
storage, collection, transportation and security providers;
insurers where relevant;
payment-processing providers;
banks and financial institutions;
professional advisers including solicitors, accountants and auditors;
debt-recovery or enforcement providers;
IT, communications, hosting and document-management providers;
the Financial Conduct Authority and other regulators;
HM Revenue & Customs;
courts, law-enforcement agencies and other public authorities;
persons acting under a valid power of attorney;
potential purchasers, investors or funders in connection with a proposed sale, restructuring or financing of our business or assets; and
other organisations where disclosure is required or permitted by law.

We require service providers processing personal information on our behalf to use appropriate security and confidentiality measures.

We do not sell your personal information.

We do not share your personal information with unrelated third parties for their own direct marketing purposes.

FRAUD PREVENTION AND ANTI-MONEY LAUNDERING

We use systems and third-party services to protect our customers and our business against fraud, money laundering and other financial crime.

We may provide information from your application to organisations providing identity-verification, fraud-prevention, sanctions-screening or AML services.

If false or inaccurate information is provided and fraud or other criminal activity is suspected or identified, information may be shared with fraud-prevention agencies, law-enforcement agencies or other organisations where permitted or required by law.

Our identity, AML and fraud-prevention checks are distinct from a consumer credit-reference search.

VULNERABLE CUSTOMERS

If you tell us about circumstances that may make you vulnerable, including information concerning your health, personal circumstances or financial difficulties, we may record and use that information so that we can communicate with you appropriately, provide suitable support and meet our legal and regulatory responsibilities.

Because some information concerning health is special category personal data, we will only process it where data protection law permits us to do so.

We will limit access to this information to those who need it.

MARKETING

Where permitted by law, we may contact you about products or services that we believe may be relevant to you.

Where consent is required for electronic marketing, we will obtain it separately.

You can withdraw your marketing consent or opt out of marketing communications at any time by contacting us or using the unsubscribe method contained in the relevant communication.

Opting out of marketing will not prevent us from contacting you about an existing application, agreement or other service-related matter.

MONITORING AND RECORDING COMMUNICATIONS

Where permitted by law, we may monitor or record telephone calls, emails, text messages and other communications between you and us.

We may do this:

to maintain an accurate record of communications and instructions;
for staff training and quality monitoring;
for fraud and financial-crime prevention;
to protect our customers and business;
to investigate complaints or disputes; and
to comply with legal and regulatory obligations.

IP ADDRESSES AND WEBSITE INFORMATION

When you use our website, we may collect technical information such as your IP address, device information, browser information and information about how you interact with our website.

An IP address or other online identifier may constitute personal data where it relates to an identified or identifiable individual.

We may use this information to:

operate and secure our website;
identify and investigate misuse or attempted fraud;
diagnose technical problems;
analyse website usage; and
comply with lawful requests from law-enforcement or regulatory authorities.

Our use of cookies and similar technologies is explained separately in our Cookie Policy.

DATA SECURITY AND CONFIDENTIALITY

We take appropriate technical and organisational measures to protect personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or access.

Depending on the nature of the information and processing, these measures may include:

information-security policies and procedures;
access controls;
encryption and pseudonymisation where appropriate;
secure backups;
incident-response procedures;
staff training;
monitoring and testing of security measures; and
contractual and security requirements for third-party service providers.

We review our security arrangements periodically and make improvements where appropriate.

DATA PROTECTION PRINCIPLES

When processing personal information, we seek to comply with the applicable data protection principles, including:

Lawfulness, fairness and transparency – using information lawfully, fairly and transparently.
Purpose limitation – collecting information for specified and legitimate purposes.
Data minimisation – using only information that is adequate, relevant and necessary.
Accuracy – taking reasonable steps to ensure information is accurate and kept up to date.
Storage limitation – retaining information only for as long as necessary.
Integrity and confidentiality – protecting information using appropriate security measures.
Accountability – being able to demonstrate compliance with our data protection responsibilities.

DATA ANONYMISATION

We may anonymise information so that individuals can no longer reasonably be identified from it.

Information that has been effectively anonymised so that it is no longer personal data may be used for statistical, analytical and business purposes.

HOW LONG DO WE KEEP YOUR INFORMATION?

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to meet our legal, regulatory, accounting and reporting obligations.

This may include:

retaining information for an appropriate period after an enquiry or application in case questions or complaints arise;
retaining information for the period during which legal claims may be brought, which will commonly be up to six years after an agreement ends; and
where necessary, retaining particular records for a longer period where this is justified by legal, regulatory, compliance or record-keeping requirements.

This may include records relating to asset identification, ownership, valuation and security.

Different categories of information may be retained for different periods.

When personal information is no longer required, we will securely delete, destroy or anonymise it where appropriate.

DO YOU HAVE TO PROVIDE INFORMATION TO US?

Certain information is required before we can consider your application or enter into an agreement with you.

This may include information necessary:

to identify you;
to undertake AML and fraud-prevention checks;
to assess affordability and creditworthiness;
to identify and assess the asset;
to verify ownership of the asset;
to establish whether the asset is subject to existing finance or another interest;
to value the asset;
to enter into an agreement; or
to comply with our legal and regulatory obligations.

If you do not provide information that is necessary for these purposes, we may not be able to process your application or provide the relevant service.

Where providing information is optional, we will make this clear where appropriate.

WHAT SHOULD YOU DO IF YOUR INFORMATION CHANGES?

Please tell us if information we hold about you changes or you believe that it is incorrect.

You can enquire at:

info@releasemycapital.co.uk

This helps us keep our records accurate and up to date.

LINKS TO OTHER WEBSITES

Our website may contain links to third-party websites.

We are not responsible for the privacy practices, content or services of those websites. You should review the privacy information provided by the relevant third party before providing personal information to them.

COMPLAINTS ABOUT DATA PROTECTION

If you have a concern or complaint about how we process your personal information, please enquire in the first instance:

Email: info@releasemycapital.co.uk

Post:
Silverline Autos Limited
333 Edgware Road
London
NW9 6TD

You also have the right to raise a complaint with the Information Commissioner's Office.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time, including where our business practices, legal obligations or regulatory requirements change.

The latest version will be published on our website.

Last updated: 30 September 2026.