Privacy Policy

Who We Are

Ratio Capital Management B.V. ("Ratio Capital", "we", "us", "our") is a private limited company incorporated in the Netherlands (KvK: 53611039), with its registered office at Lonbar Petrilaan 7, 2051 EH Overveen, North Holland. We are registered with and regulated by the Autoriteit Financiële Markten (AFM).

For the purposes of the General Data Protection Regulation (EU) 2016/679 ("GDPR") and applicable Dutch data protection law, Ratio Capital Management B.V. is the data controller of personal data collected through this website and our services.

If you have any questions about this Privacy Policy or our data practices, please contact us at: [email protected]

Data We Collect

We may collect and process the following categories of personal data:

Contact and identity data: name, email address, telephone number, job title, and company name provided when you submit an enquiry, funding request, or contact form.

Technical data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.

Usage data: information about how you use our website, including pages visited, time spent, and referring URLs.

Communications data: records of correspondence when you contact us by email or through our website forms.

We do not collect sensitive personal data (such as health information, political opinions, or biometric data) through this website.

How We Use Your Data

We use personal data for the following purposes:

To respond to enquiries and funding requests submitted through our website, and to communicate with you about potential transactions or mandates.

To manage our relationship with you, including sending you information about our services where you have requested it or where we have a legitimate interest in doing so.

To improve our website and services, including analysing usage patterns and diagnosing technical issues.

To comply with our legal and regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements under applicable Dutch and EU law.

To protect our legitimate business interests and legal rights.

Legal Basis for Processing

We process your personal data on the following legal bases under the GDPR:

Legitimate interests (Article 6(1)(f)): responding to enquiries, improving our website, and managing our business relationships, where our interests are not overridden by your rights.

Contractual necessity (Article 6(1)(b)): where processing is necessary to take steps at your request prior to entering into a contract, or to perform a contract with you.

Legal obligation (Article 6(1)(c)): where processing is required to comply with our regulatory obligations under Dutch financial services law, AML legislation, and other applicable requirements.

Consent (Article 6(1)(a)): where you have given explicit consent, for example to receive marketing communications. You may withdraw consent at any time.

Data Sharing

We do not sell, rent, or trade your personal data to third parties. We may share your data with:

Service providers: third-party suppliers who provide IT, hosting, email, and other services on our behalf, under strict data processing agreements.

Professional advisers: lawyers, auditors, and other professional advisers where necessary for our business operations.

Regulatory authorities: the AFM, Dutch Data Protection Authority (Autoriteit Persoonsgegevens), or other competent authorities where required by law or regulation.

We require all third parties to respect the security of your personal data and to treat it in accordance with applicable law.

International Transfers

We are based in the Netherlands and primarily process data within the European Economic Area (EEA). Where we transfer personal data outside the EEA, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by the European Commission, to protect your data in accordance with GDPR requirements.

Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected, or as required by applicable law and regulation. In general:

Enquiry and contact data is retained for up to 3 years from the date of last contact, unless a business relationship develops, in which case longer retention periods may apply.

Regulatory and compliance records are retained for the minimum periods required under applicable Dutch financial services and AML legislation, typically 5–7 years.

Website technical and usage data is retained for up to 12 months.

Your Rights

Under the GDPR, you have the following rights in relation to your personal data:

Right of access: to request a copy of the personal data we hold about you.

Right to rectification: to request correction of inaccurate or incomplete data.

Right to erasure: to request deletion of your data in certain circumstances.

Right to restriction: to request that we restrict processing of your data in certain circumstances.

Right to data portability: to receive your data in a structured, machine-readable format in certain circumstances.

Right to object: to object to processing based on legitimate interests or for direct marketing purposes.

Right to withdraw consent: where processing is based on consent, to withdraw it at any time without affecting the lawfulness of prior processing.

To exercise any of these rights, please contact us at [email protected]. You also have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) at autoriteitpersoonsgegevens.nl.

Cookies

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyse website traffic. We use only essential technical cookies necessary for the operation of the website. We do not use advertising or tracking cookies.

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our website.

Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The most current version will always be available on this website, with the date of last update noted at the top. We encourage you to review this policy periodically.