Privacy Policy

Capital Bridge Limited Data Protection Policy

Data Privacy Notice

This policy is to explain the use of your data and also the use of cookies on our website.

Capital Bridge Limited is hereinafter referred to as “CBL”

Last updated: 23/03/2022


We are committed to protecting the privacy and security of our customers and site visitors. We respect how important privacy is. If you have any questions about how we protect your privacy, please contact the data controller at CBL on

CBL act as the Data Controller and will therefore make every reasonable effort to comply with data protection regulation.

This document compliments our Terms and Conditions linked above.


CBL is a business providing the following services:

  • Personal Finance
  • Business Finance
  • Vehicle Finance

In providing these services, CBL needs to gather and use certain information about individuals in the provision of those services – it is a Data Controller. These can include customers, suppliers, business contacts, employees and other people the organisation has a relationship with or may need to contact (“data subjects”).

This policy describes how this personal data must be collected, handled and stored to meet the business’ data protection standards – and to comply with relevant law and regulation.


This data protection policy ensures that CBL:

  • Complies with data protection law and follows good practice.
  • Protects the rights of employees, customers and partners.
  • Is open about how it stores and processes individuals’ data.
  • Protects itself from the risks of a data breach.


The following laws and regulations describe how organisations – including CBL – must collect, handle and store personal information:

  • The Data Protection (Bailiwick of Guernsey) Law, 2017 (the “Guernsey Law”)
  • Ordinances and regulation promulgated under the Guernsey Law
  • The General Data Protection Regulation (the “GDPR”) of the European Union – with respect to its extraterritorial nature
  • Any other international or foreign legislation that may, by reason of its extraterritorial nature, have impact on the processing of personal data in the Bailiwick of Guernsey

These rules apply regardless of whether data is stored electronically, on paper or on other materials.

To comply with the relevant laws and regulations, personal information must be collected and used fairly, stored safely, kept up to date and not disclosed unlawfully.

The requirements of data protection laws and regulations are underpinned by seven principles, the first six of which state that personal data must:

    • Be processed lawfully, fairly and in a transparent manner
    • Be obtained only for specific, explicit and legitimate purposes and must not be processed in a manner incompatible with the purpose for which it was collected
    • Be adequate, relevant and limited to what is necessary in relation to the purpose for which it is processed
    • Be accurate and, where applicable, kept up to date with reasonable steps being taken to ensure that personal data that is inaccurate is erased or corrected without delay
    • Not be kept in a form that permits identification of the data subject any longer than is necessary for the purpose for which it is processed
    • Be processed in a manner that ensures its security appropriately, including protecting it against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures

The seventh principle applies to data controllers, including CBL, and states that such data controllers are responsible for, and must be able to demonstrate, compliance with the other six principles.

Data controllers also have an obligation to facilitate exercise of the rights of data subjects (the “Rights”).


This policy applies to:

      • CBL
      • All staff of CBL

All contractors, suppliers, outsource providers and other people working on behalf of CLB
It applies to all data that the business holds relating to identifiable individuals, whether or not that data falls under the provisions of relevant data protection legislation, including:

      • Names of individuals
      • Postal and physical addresses
      • Email addresses
      • Telephone numbers (including mobile numbers)
      • Purpose of loan
      • Marital Status
      • Children


This policy helps to protect CBL from data security risks, including:

      • Breaches of confidentiality, for example information being given out inappropriately
      • Failing to offer choice, for example all individuals should be free to choose how the business uses data relating to them
      • Reputational damage, for example the business could suffer if hackers successfully gained access to sensitive data


These rules describe how and where data should be safely stored. Questions about storing data safely can be directed to the person responsible for data protection as named above.

When data is stored on paper, it should be kept in a secure place where unauthorised people cannot see it. This also applies to data that is usually stored electronically but has been printed out.

      • When not required, the paper or files should be kept in a locked drawer or filing cabinet.
      • Employees should make sure paper and printouts are not left where unauthorised people could see them, like on a printer.
      • Data printouts should be shredded and disposed of securely when no longer required.

When data is stored electronically, it must be protected from unauthorised access, accidental deletion and malicious hacking attempts:

      • Data should be protected by strong passwords that are changed regularly and never shared between employees.
      • If data is stored on removable media (CD, DVD, USB flash drive or external hard drive), these should be kept locked away securely when not being used.
      • Data should only be stored on designated drives and computers and should only be uploaded to an approved cloud computing service.
      • Servers containing personal data should be sited in a secure location.
      • Data should be backed up frequently. Those backups should be tested regularly, in line with the business’ standard backup procedures.
      • Data should never be saved directly to laptops or other mobile devices like tablets or smart phones.
      • All servers and computers containing data should be protected by approved security software and a firewall.


Personal data is of no value to CBL unless the business can make use of it. However, it is when personal data is accessed and used that it can be at the greatest risk of loss, corruption or theft.

        • When working with personal data, employees should ensure the screens of their computers are always locked when left unattended, this includes mobile devices upon which data is stored should it be collected via telephone or other methods.
        • Personal data should not be shared informally. In particular, it should never be sent by email, as this form of communication is not secure.
        • Data must be encrypted before being transferred electronically.
        • Personal data should never be transferred outside the Bailiwick of Guernsey, the European Economic Area or an equivalent jurisdiction, unless previously approved by the board due to there being some mechanism in place.
        • Employees should not save copies of personal data to their own computers. Always access and update the central copy of any data.


This information is a requirement for us to deliver a service to you when you make an application.

We use your information to contact you in regard to your application, and the details will be shared with third party providers to help progress your application.


When you email / text / call us we retain details of our communications, this is to ensure data accuracy and be able to provide you with the which we offer.


Application history is stored in accordance with our regular filing method. Upon successful application this will be kept for as long as necessary, guided by CBL’s Data Retention Policy which can be found here

Unsuccessful applications are destroyed on decision and are unrecoverable.


When an application is successful further documents will be required to verify your identity and adhere to local laws.

These documents will be shared with relevant third-party providers as necessary.


When you browse our website, information is sent to us which includes your IP address, what pages you have visited, your device type and internet browser details. Your IP address may give us information about your location.

This data is used for analytical information to help us improve our website, and so we can monitor our service levels.
The information we store can also be used to help prevent fraud.


All data is stored for the periods outlined within our Data Retention Policy, which can be found here.


The law requires AWFB to take reasonable steps to ensure data is kept accurate and up to date. IT is the responsibility of all employees who work with data to take reasonable steps to ensure it is kept as accurate and up to date as possible.

          • Data will be held in as few places as necessary. Staff should not create any unnecessary instances of personal data.
          • Staff should take every opportunity to ensure data is updated. For instance, by confirming a customer’s details when they call.
          • AWFB will make it easy for data subjects to update the information held in respect of them.
          • Data should be updated as inaccuracies are discovered and as clients advise that it requires updating.


All individuals who are the subject of personal data held by CBL are entitled to:

          • Ask what information the company holds about them and why
          • Ask how to gain access to it
          • Be informed how to keep it up to date
          • Be informed how the company is meeting its data protection obligations

If an individual contacts the business requesting this information, this is called a subject access request. Subject access requests can be received from the data subject by mail or email.

An individual making a subject access request can request a single copy of their data free of charge. The business will aim to respond to this within 14 days. If the individual requests further copies of their data, then administrative costs can be charged at standard rates.

The business will always seek to verify the identity of the individual making a subject access request prior to providing them with any information.


There are other circumstances where personal data may be disclosed, without consent of the data subject. This includes situations where the data must be disclosed by reason of local legislation or international agreement.

Under these circumstances, CBL will disclose the requested data. However, the data controller will seek to ensure the request is legitimate, with approval from the board and legal advisers as appropriate.


Like many companies, CBL may target banners and adverts to you when you are on other websites and apps.

Our website uses cookies to track user behaviour which can be helpful to us in the event of user queries, experience updates and to help prevent fraud.

Currently AWFB only advertises using Facebook and the information shared can be controlled by your own settings on the Facebook platform.


          • Google Tag Manager – this is a required cookie when using the Google Analytics framework.
          • Google Analytics Cookie – This provides us with the capability to view user behaviour on the Google Analytics Platform.

The data is anonymised and will only display to us as a user and its behaviours.


You have the following rights relating to your personal information;

          • The right to be informed about how your personal information is being used (this page)
          • The right to request access to the personal information we hold about you.
          • The right to request the correction of inaccurate personal information we hold about you.
          • The right to request that we delete your data, or stop processing it or collecting it, in some circumstances.
          • The right to request that we transfer or port elements of your data either to you or another service provider.
          • The right to complain to your data protection regulator.

If you want to exercise your rights, have a complaint, or just have questions, please contact us.


We may change this page from time to time, to reflect how we are processing your data. Please check this page for updates. If we make changes the date of the change will be updated at the bottom of this page.

If we make significant changes, we will make that clear on the CBL website, or by some other means of contact such as email, so that you are able to review the changes before you continue to use

We will not change the way we use your data without informing you and where required, requesting your consent to do so.


In the event that you wish to make a complaint about how your personal data is being processed by CBL, you have the right to complain to us. If you do not get a response within 30 days, you can complain to the ODPC.

The details for each of these contacts are:

The person responsible for data protection at CBL is Kai Junghanns:

The Office of the Data Protection Commissioner (ODPC)

St Martins House

Le Bordage

St. Peter Port



Telephone: +44 (0) 1481 742074

Capital Bridge Limited Data Retention

Data Retention Policy

This policy is to explain the retention of documents and other information collected by us in relation to you.

Capital Bridge Limited is hereinafter referred to as “CBL.”

Last updated: 23/03/2022


The need to retain data varies widely with the type of data. Some data can be immediately erased, and some must be retained until reasonable potential for future need no longer exists.

For specific enquiries, you should contact the data controller for CBL.

Data controller for the company: Kai Junghanns

Data controllers email address:

This document compliments our Terms and Conditions and Data Privacy Notice.


The purpose of this policy is to specify the company’s guidelines for retaining different types of data.


The content of this policy covers all company data stored on company-owned, company-leased, and otherwise company-provided systems and media, regardless of location.

Note that the need to retain certain information can be mandated by local, industry regulations and will comply with EU General Data Protection Regulation GDPR and the General Data Protection (Bailiwick of Guernsey) Law, 2017.


For the general purposes related to continued and safe business with our clients, it is necessary to hold some data. There are various reasons behind this, and this document aims to explain those with the aid of our Data Privacy Notice and general Terms & Conditions (links on first page). Some data, however, must be retained to protect the company’s interests, client access, preserve evidence, and generally conform to good business practices.

Some reasons for data retention include:

          • Litigation
          • Accident investigation
          • Security incident investigation
          • Good Practice
          • Intellectual property preservation
          • Client access – both business and personal

Data is only duplicated in accordance to the following:

          • Backups – our systems are regularly backed up and so is all data supplied to us by individuals or organisations. This process is necessary to ensure that CBL is able to restore any lost data in the event of a systems failure or accidental erasure.
          • Sharing with our selected third parties – to complete your application, some information is shared. This is usually duplicated and encrypted before transfer.


This section sets guidelines for retaining the different types of company data.

          • Personal customer data (all):

Personal data will be held for as long as the individual is a customer of the company plus 5 years.

          • Business / organisations customer data (all):

Business / organisations data will be held for as long as the organisation is a customer of the company plus 5 years.

          • Critical data including Tax and VAT:

Critical data must be retained for 6 years.

          • Unsuccessful applications:

Data will be destroyed after notification has been made of the decision not to continue processing your application.


When data is removed from our systems or hard copies are destroyed, this is always done in a secure manner.

Data will be destroyed and backed up copies erased in accordance with the retention terms stated in 2.3.


This document is part of the company’s cohesive set of security policies. Other policies may apply to the topics covered in this document and as such the applicable policies should be reviewed as needed.


This policy is enforced by the Data Controller for CBL, if you have any further queries, use the contact details found in section 1.0.


Backup: To copy data to a second location, solely for the purpose of safe keeping of that data.

Encryption: The process of encoding data with an algorithm so that it is unintelligible and secure without the key. Used to protect data during transmission or while stored.

Encryption Key: An alphanumeric series of characters that enables data to be encrypted and decrypted.