Privacy Policy

Highgate Finance ("Highgate Finance", "we", "us" or "our") respects your privacy and is committed to protecting personal information entrusted to us. This Privacy Policy explains how we may collect, use, store, disclose and protect information when you visit our website, contact us, submit an enquiry or interact with our services.

This Policy should be read alongside any applicable service agreements, terms of use and additional privacy notices. Where applicable law requires consent for a particular processing activity, we will seek that consent as required. Using this website does not automatically constitute consent to every form of data processing.

1. Information We May Collect

Depending on how you interact with our website and services, we may collect the following categories of information:

Personal and contact information: Your name, email address, telephone number, organisation, contact details and information you provide through contact forms, enquiries or correspondence.

Service-related information: Information reasonably necessary to assess a request, provide a requested service, verify information or manage a business relationship. The information required will depend on the service involved.

Technical information: Depending on our website configuration, this may include your IP address, browser type, device information, operating system, pages visited, referring pages, access times and technical or security logs.

Communications and submitted content: Enquiries, feedback, attachments and other information you choose to send us.

We aim to collect information that is relevant and reasonably necessary for the purpose for which it is obtained. Please do not submit passwords, account credentials or unnecessary sensitive personal information through general enquiry forms.

2. How We Use Your Information

Subject to applicable law, we may use personal information to:

• Respond to enquiries, requests, feedback and complaints.
• Provide and administer requested services.
• Communicate with you about a request or business relationship.
• Verify information where reasonably necessary.
• Maintain, troubleshoot and improve our website.
• Protect our systems and detect suspicious or fraudulent activity.
• Maintain appropriate administrative and business records.
• Meet legal, regulatory and contractual obligations.
• Establish, exercise or defend legal rights and claims.
• Send permitted promotional communications where applicable.

We will not knowingly use personal information for a purpose incompatible with the reason it was collected without an appropriate lawful basis or other permission required by law.

3. Lawful Basis for Processing

Where applicable data-protection law requires a lawful basis, we will rely on an appropriate basis for the relevant activity. Depending on the circumstances, this may include your consent, the performance of a contract or steps requested before entering into a contract, compliance with a legal obligation, legitimate interests that do not override your rights, or another lawful basis recognised by applicable law.

Where processing is based on consent, you may withdraw that consent, subject to applicable law. Withdrawal does not affect the lawfulness of processing carried out before withdrawal or processing supported by another valid legal basis.

4. Sharing and Disclosure of Information

We may share personal information where reasonably necessary and lawful with:

• Service providers: Website hosting, IT support, security, communications and other providers supporting our operations.
• Professional advisers: Lawyers, auditors, accountants and other advisers subject to appropriate confidentiality obligations.
• Business or service partners: Where sharing is necessary to fulfil a request or provide a service, subject to applicable law.
• Authorities and regulators: Where disclosure is required by law, valid legal process or a lawful regulatory obligation.
• Legal and security recipients: Where reasonably necessary to investigate suspected fraud, protect people or safeguard our rights and systems.
• Business transaction recipients: In connection with a proposed or completed merger, acquisition, restructuring or transfer of business assets, subject to appropriate safeguards.

We do not sell personal information to third parties as a business practice. Where a change to our practices requires additional notice or consent, we will take the steps required by applicable law.

5. Data Security

We take reasonable and appropriate technical and organisational measures intended to protect personal information against unauthorised access, alteration, disclosure, loss, misuse and destruction. Depending on the systems involved, safeguards may include access restrictions, authentication controls, security monitoring and appropriate service-provider oversight.

No website, electronic transmission or storage system can be guaranteed to be completely secure. We therefore cannot promise absolute security, but we will take reasonable steps to manage risks and address suspected security incidents in accordance with applicable law.

6. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including responding to enquiries, providing services, maintaining records, meeting legal obligations, resolving disputes and establishing or defending legal claims.

Retention periods depend on the type of information, the purpose of processing, our relationship with you and any applicable recordkeeping requirements. When information is no longer required, we will take reasonable steps to delete, anonymise or securely dispose of it, subject to lawful retention obligations.

7. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support essential functionality, remember preferences, maintain security, understand website performance or provide other features. Depending on our actual website configuration, cookies may be set by us or by third-party services integrated into the website.

You may manage or disable cookies through your browser settings. Disabling certain cookies may affect some website features. Where required by law, we will request consent before using non-essential cookies or similar technologies.

We may revise this notice as our use of cookies and similar technologies changes. Material changes will be reflected in an updated version of this Policy.

8. Third-Party Websites and Services

Our website may contain links to external websites, platforms or services. These third parties operate independently and may maintain their own privacy policies, terms and security practices. We do not control their privacy practices and encourage you to review their policies before providing personal information to them.

A link to a third-party website does not necessarily mean that Highgate Finance endorses that website or guarantees the accuracy of its content.

9. International Transfers

Where our service providers, systems or business operations involve transferring personal information to, or allowing access from, another country, we will take the steps required by applicable data-protection law. Where required, these steps may include assessing the transfer and implementing appropriate contractual or other safeguards.

10. Your Privacy Rights

Subject to applicable law and any lawful exceptions, you may have the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of information where the law permits.
• Request restriction of certain processing activities.
• Object to certain processing, including direct marketing where applicable.
• Withdraw consent where processing is based on consent.
• Request a portable copy of certain information where applicable.
• Request information about relevant disclosures or transfers where applicable.
• Lodge a complaint with the appropriate data-protection authority.

These rights are not absolute in every circumstance. We may need to retain certain records to comply with the law, protect legal rights or fulfil an existing obligation.

To exercise a privacy right, contact us using the details below. We may request reasonable information to verify your identity and protect against unauthorised disclosure. We will respond in accordance with applicable legal requirements.

11. Children's Privacy

Our website is not knowingly intended to collect children's personal information in circumstances where doing so would be unlawful. Where information concerning a child is collected, we will comply with applicable requirements concerning consent, parental or guardian involvement and protection of children's information.

If you believe a child has provided personal information to us inappropriately, please contact us so that we can assess the matter and take any action required by law.

12. User-Submitted Content

Where our website permits you to submit comments, documents, images, feedback or other material, you are responsible for ensuring that your submission is lawful and that you have the rights and permissions necessary to provide it.

Please do not submit another person's personal information, confidential documents, copyrighted materials or sensitive information unless you are authorised to do so and the submission is appropriate for the relevant website feature.

Submitted information may be accessed by personnel or service providers who need it to administer the relevant feature, process your submission, respond to your request or perform related operational and legal functions. We will handle personal information contained in submitted material in accordance with this Policy and applicable law.

Where contributions are publicly visible, other visitors may be able to view or copy them. Do not submit information publicly that you wish to keep private.

13. Intellectual Property Rights

Unless otherwise stated, Highgate Finance owns or holds the appropriate licence to use the intellectual property rights in our website and the material published on it. These rights may include copyright, trademarks, logos, text, graphics, photographs, videos, audio, design elements and other content.

These materials are protected by applicable intellectual-property laws and international treaties. All rights not expressly granted are reserved.

You may print one copy or download reasonable extracts of website pages for personal, non-commercial use. You may also draw the attention of colleagues within your organisation to material published on our website, provided that doing so does not breach these terms or applicable law.

You must not modify printed or downloaded copies, remove proprietary notices, reproduce protected material in a way that infringes our rights, or commercially exploit website content without the required permission.

Where content is credited to an identified contributor or third-party rights holder, the relevant rights may belong to that person or organisation. Any permitted use must respect those rights and applicable attribution requirements.

Commercial use requires prior written permission from Highgate Finance or the relevant rights holder, unless applicable law expressly permits that use. Where legally permissible, we may withdraw permission and require unauthorised copies to be deleted, returned or destroyed.

14. Information Reliability

Content on our website is provided for general informational purposes unless expressly stated otherwise. It is not intended to constitute individualised financial, investment, legal, tax or other professional advice.

You should assess the suitability of any information for your circumstances and obtain independent professional advice where appropriate before making a financial or other significant decision.

We make reasonable efforts to maintain useful and accurate website information. However, to the extent permitted by law, we do not guarantee that all content will always be accurate, complete, current, uninterrupted or free from errors.

Website content may be changed, updated or removed without prior notice. Nothing in this section excludes or limits a responsibility that cannot lawfully be excluded or limited.

15. Third-Party and User Opinions

Where our website permits content to be submitted by visitors or third parties, such content may reflect the views of its author and not those of Highgate Finance. Unless expressly stated otherwise, third-party contributions have not necessarily been independently verified or endorsed by us.

Subject to applicable law and website functionality, we may review, restrict or remove content that we reasonably consider unlawful, misleading, abusive, infringing, harmful or inconsistent with applicable website rules.

If you believe content on our website infringes your rights, violates privacy or is otherwise unlawful, please contact us with sufficient details to identify the material and explain your concern.

16. Uploading Content and Licence

Whenever you use a feature that allows you to upload or submit content, you confirm that you have the rights and permissions necessary to do so and that your submission does not knowingly violate another person's rights or applicable law.

You retain ownership of content you own and submit. However, to the extent necessary to operate the relevant website feature, process your submission, display content you choose to make public or respond to your request, you grant Highgate Finance a limited, non-exclusive permission to host, store, reproduce, process and display that content for those purposes.

This permission does not transfer ownership of your content to us. It lasts only for as long as reasonably necessary for the relevant purpose, subject to lawful retention obligations and any separate agreement that applies.

You must not upload content that is unlawful, fraudulent, defamatory, threatening, discriminatory, malicious, infringing or designed to compromise the security or operation of our website. We may remove or restrict submitted content where reasonably necessary and permitted by law.

17. Disclosure to Protect Rights

We may disclose information relating to a submission or its author where legally required, where a valid legal process requires disclosure, or where reasonably necessary to investigate a credible claim of infringement, fraud, unlawful activity or violation of another person's rights.

Any disclosure of personal information remains subject to applicable privacy and data-protection requirements.

18. Changes to This Policy

We may revise this Policy to reflect changes in our website, services, business practices, technologies or legal and regulatory requirements.

Where a material change affects how we process personal information, we will take reasonable steps to bring the change to your attention and obtain consent where required by law.

The updated version will be published on this page with a revised "Last Updated" date. We encourage you to review this page periodically.

19. Contact Us

For questions about this Privacy Policy, website content, intellectual-property rights or the handling of personal information, please contact Highgate Finance:

General Enquiries: contact@highgatefinance.com

Information and Privacy Enquiries: Info@highgatefinance.com

Please include sufficient detail to help us understand and respond to your request. Do not include passwords or unnecessary sensitive information in your initial email.

Where applicable law provides a right to complain to a data-protection authority, you may exercise that right if you believe your personal information has been handled unlawfully or your request has not been addressed appropriately.