Privacy Policy and Data Protection
Last updated: 07/09/2025
We take your privacy seriously and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our bridging finance services or visit our website.
As specialist property finance brokers, we understand that trust is essential in financial services. We handle your personal and financial information with the highest levels of security and confidentiality, in full compliance with UK data protection laws.
How We Collect and Use Your Information
We collect personal information to provide you with professional bridging finance advice and arrange suitable lending solutions. The information we gather helps us understand your requirements and match you with appropriate lenders from our extensive network.
Information You Provide Directly
Contact and Enquiry Details: When you contact us for advice or submit an enquiry, we collect basic contact information including your name, email address, phone number, and details about your finance requirements. We use this information to respond to your enquiry and provide initial guidance about suitable bridging loan options.
Financial and Property Information: To arrange bridging finance, we need detailed information about your financial circumstances, property details, and loan requirements. This includes income information, asset details, property valuations, intended use of funds, and exit strategy plans.
Supporting Documentation: During the application process, we collect supporting documents such as bank statements, proof of income, property surveys, legal documentation, and identification documents. These are essential for lender applications and regulatory compliance.
Communication Records: We keep records of our conversations, emails, and meetings to ensure we provide consistent advice and meet our professional obligations. This helps us track the progress of your application and maintain accurate records for regulatory purposes.
Information We Collect Automatically
Website Usage Data: When you visit our website, we automatically collect technical information about your visit, including your IP address, browser type, pages viewed, time spent on the site, and referring websites. This helps us improve our website and understand which information is most valuable to visitors.
Communication Tracking: We track email opens and link clicks in our professional communications to understand which information is most helpful and ensure our advice reaches you effectively.
Legal Basis for Processing Your Data
Under UK GDPR, we need a lawful reason to process your personal information. We rely on different legal bases depending on how we use your data:
Legitimate Interest – We process most of your information based on our legitimate business interests in providing professional bridging finance advice and arranging loans. Our legitimate interests include responding to enquiries, maintaining client relationships, improving our services, and meeting professional standards.
Contract Performance – When you engage our services, we process your information to fulfil our contractual obligations, including liaising with lenders, managing your application, and providing ongoing support throughout the loan process.
Legal Compliance – Financial services are heavily regulated, and we process certain information to comply with legal obligations, including anti-money laundering checks, professional conduct requirements, and regulatory reporting.
Consent – We ask for your explicit consent for marketing communications and certain types of data processing. You can withdraw consent at any time without affecting our ability to provide our core services.
How We Use Your Personal Information
We use your personal information exclusively for professional purposes related to arranging bridging finance and providing related services:
Providing Finance Advice and Services: We analyse your requirements and circumstances to recommend suitable bridging loan options, prepare applications for appropriate lenders, and manage the application process through to completion.
Lender Liaison and Application Management: We share relevant information with potential lenders to secure loan offers, coordinate valuations and legal work, and manage the application process. We only share information that is necessary for the specific application.
Regulatory Compliance and Professional Standards: We maintain records to comply with anti-money laundering regulations, and professional conduct standards. This includes client identification, transaction monitoring, and record keeping.
Client Communication and Support: We use your contact information to provide updates on your application, share relevant market information, and offer ongoing support. We also send important regulatory or service updates that may affect your loan.
Service Improvement and Training: We analyse client feedback and application outcomes to improve our service quality, develop better processes, and train our team. All analysis is conducted with appropriate privacy safeguards.
Data Sharing and Third-Party Access
We share your information only when necessary to provide our services or meet legal obligations. We never sell your personal data to third parties.
Lenders and Finance Providers
Application Submissions: We share relevant personal and financial information with potential lenders as part of the loan application process. Each lender has their own privacy policy governing how they handle your information.
Ongoing Loan Management: During the loan term, we may share information with your chosen lender to support loan administration, variation requests, or extension applications.
Professional Service Providers
Legal Representatives: We share information with solicitors and legal firms involved in your transaction to ensure proper legal completion and compliance with property law requirements.
Valuers and Surveyors: We provide property and contact details to professional valuers and surveyors to arrange necessary property assessments required by lenders.
Insurance Providers: Where appropriate, we share relevant information with insurance providers to arrange professional indemnity cover or loan-related insurance products.
Regulatory and Legal Requirements
Anti-Money Laundering Compliance: We share information with identity verification services, credit reference agencies, and regulatory authorities as required by anti-money laundering legislation.
Professional Conduct Authorities: We may share information with regulatory bodies where required for compliance, investigation, or dispute resolution purposes.
Legal Proceedings: We will disclose information where required by law, court order, or to protect our legitimate interests in legal proceedings.
Technology and Support Services
Cloud Storage and IT Support: We use secure cloud storage services and IT support providers to maintain our systems. All providers are carefully selected and bound by strict confidentiality and security requirements.
Communication Platforms: We use professional communication platforms for email, phone systems, and video conferencing. All platforms comply with UK data protection standards.
International Data Transfers
Some of our technology providers and service partners operate outside the UK and European Economic Area (EEA). Where we transfer personal data internationally, we ensure appropriate safeguards are in place:
Adequacy Decisions: We use providers in countries recognised by the UK government as having adequate data protection standards.
Standard Contractual Clauses: Where adequate protection is not recognised, we use Standard Contractual Clauses approved by the UK authorities to ensure your data remains protected.
Specific Safeguards: We implement additional technical and organisational measures to protect international data transfers, including encryption, access controls, and regular security audits.
We regularly review our international data transfers to ensure they continue to meet UK data protection standards.
Data Security and Protection Measures
We implement comprehensive security measures to protect your personal information from unauthorised access, loss, misuse, or disclosure:
Technical Security: Our systems use industry-standard encryption for data storage and transmission, multi-factor authentication for system access, regular security updates and patches, and secure backup and disaster recovery procedures.
Physical Security: Our offices have controlled access systems, secure document storage, and clean desk policies to protect physical documents and computer systems.
Staff Training and Procedures: All team members receive regular data protection training, follow strict access control procedures, and are bound by confidentiality agreements covering client information.
Third-Party Security: We carefully vet all service providers for security standards, require appropriate data protection clauses in all contracts, and regularly review third-party security practices.
Incident Response: We have procedures in place to detect, respond to, and report any data security incidents promptly and appropriately.
Data Retention and Deletion
We keep your personal information only as long as necessary for the purposes we collected it:
Active Client Records: We retain detailed records for active clients and ongoing loan applications to provide continuous service and support.
Completed Transactions: After loan completion or service conclusion, we retain core records for seven years to meet regulatory requirements and provide ongoing support if needed.
Marketing and Communication: We retain marketing consent and communication preferences until you withdraw consent or we no longer have a legitimate business relationship.
Legal and Regulatory Requirements: Some information must be retained for specific periods under financial services regulations, anti-money laundering requirements, or other legal obligations.
We regularly review our records and securely delete information that is no longer required. When we delete information, we use secure deletion methods that prevent data recovery.
Your Rights Under Data Protection Law
You have several important rights regarding your personal information under UK GDPR:
Right to Information
You have the right to know how we use your personal data, which is explained in this Privacy Policy. We provide clear information about our data processing when we collect your information.
Right of Access
You can request a copy of the personal information we hold about you. We will provide this information within one month of your request, along with details about how we use it and who we share it with.
Right to Rectification
If any of your personal information is inaccurate or incomplete, you can ask us to correct it. We will update our records promptly and inform relevant third parties where necessary.
Right to Erasure
In certain circumstances, you can ask us to delete your personal information. This right applies when the information is no longer necessary, you withdraw consent, or the processing is unlawful. However, we may need to retain some information for legal or regulatory purposes.
Right to Restrict Processing
You can ask us to temporarily stop processing your personal information in specific circumstances, such as when you’re challenging the accuracy of the information or the lawfulness of processing.
Right to Data Portability
Where technically feasible, you can ask us to transfer your personal information to another service provider in a structured, machine-readable format.
Right to Object
You can object to processing based on legitimate interests, including direct marketing. We will stop processing unless we have compelling legitimate grounds that override your interests.
Rights Related to Automated Decision Making
We do not use automated decision-making systems that significantly affect your rights. All lending decisions involve human assessment and professional judgment.
Exercising Your Rights
To exercise any of your data protection rights, please contact us using the details provided below. We may need to verify your identity to protect your information from unauthorised disclosure.
Most requests are handled free of charge, but we may charge a reasonable fee for repeated or clearly unfounded requests. We aim to respond to all requests within one month.
Marketing Communications and Preferences
We may send you relevant information about our services, market updates, and industry insights that we believe may be of professional interest.
Consent-Based Marketing: We only send marketing emails with your explicit consent. You can withdraw this consent at any time using the unsubscribe link in our emails or by contacting us directly.
Service Communications: We may send important updates about our services, regulatory changes, or your specific loan applications. These communications are necessary for our professional relationship and are not marketing.
Preference Management: You can update your communication preferences at any time by contacting us. We will respect your choices while ensuring we can still provide essential service communications.
Children’s Privacy
Our services are designed for business professionals, property investors, and adults seeking property finance. We do not knowingly collect personal information from children under 16 years of age.
If we become aware that we have collected information from a child under 16, we will delete it promptly. Parents or guardians who believe we may have collected information about a child should contact us immediately.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we will notify you by:
- Updating the “Last updated” date at the top of this policy
- Sending an email to active clients explaining key changes
- Displaying a prominent notice on our website
- Providing additional notice where required by law
We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Data Protection Officer and Contact Information
For questions about this Privacy Policy, your personal data, or to exercise your rights, please contact us.
Complaints and Concerns: If you are not satisfied with how we handle your personal data or privacy concerns, you can lodge a complaint with the Information Commissioner’s Office (ICO):
- Website: ico.org.uk
- Phone: 0303 123 1113
- Post: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
We take all privacy concerns seriously and will work with you to resolve any issues promptly and fairly.
About Our Professional Services
We are specialist bridging finance brokers providing expert advice and loan arrangement services across the UK. Our team helps property investors, developers, and business owners secure appropriate finance solutions from our network of over 250 specialist lenders.
For confidential advice about bridging loans, commercial finance, or development funding, please contact our expert team for a professional consultation.
