Privacy Statement — Bridging Finance 4U Ltd
Bridging Finance 4U Ltd takes the privacy and protection of personal data seriously. We therefore ask you to read the following important information which explains how we collect, store, and use your personal data.
Who are we?
Bridging Finance 4U Ltd is registered in England and Wales under company number 15831978 and our trading address is 525e Hertford Road, Enfield, EN3 5UA. Where any regulated activities are required, these are conducted via our network of FCA-authorised partners.
Bridging Finance 4U Ltd operates as a specialist provider and master broker of non-regulated bridging finance and property-related credit solutions. Where any regulated activities are required, these are conducted via our network of FCA-authorised partners.
Introduction
Under the Data (Use and Access) Act 2025 (DUAA), the UK General Data Protection Regulation (UK GDPR), and the Data Protection Act 2018, we are required to provide you with clear information about how your personal data is collected, used, stored, and shared. This includes explaining the lawful basis on which we process your information and your rights in relation to that processing.
This notice (together with our Statutory disclosures and any other documents referred to in it) (“Privacy Notice”) sets out the basis on how any personal information we collect from you, or that you provide to us, will be processed by us.
What do we mean by Personal Data?
By personal data (or personal information), we mean information that relates to you and is used to identify you, either directly or in conjunction with other material we may hold.
In the context of Bridging Finance 4U Ltd providing you with short-term finance solutions, bridging loans, or development finance, your Personal Data may include:
● Name, Date of Birth, Gender, Nationality, Civil/Marital Status, and Contact Details.
● Addresses and any documents necessary to verify your identity (Passport, Driving Licence, Utility Bills).
● Employment and remuneration information.
● Bank account details, tax information, liabilities (loans/credit cards), personal credit history, and detailed sources of income and expenditure.
● Specific property details, valuation reports, and exit strategy documentation (e.g., proof of sale or refinance evidence).
In addition, when you visit our website (www.bridgingfinance4u.co.uk) or use our services, we may automatically collect technical information, including cookies, IP addresses, geographic location, and browser metadata.
Third-Party Data Sources
We may receive personal information from third parties, including:
● Commercial and residential property lenders and high-street banks.
● Solicitors, conveyancers, and surveyors.
● Credit reference and fraud prevention agencies.
● Public sources such as Companies House and the Land Registry.
● Digital Identity Verification (DVS) services.
Digital Identity Verification (DVS)
We use approved Digital Verification Services (DVS) to confirm your identity. This involves secure digital checks of your identity documents and biometric information. These checks help protect you from fraud and ensure we meet our legal obligations under the Data (Use and Access) Act 2025 and Anti-Money Laundering (AML) regulations.
Open Finance Data Access
With your permission, we may access your financial information (pensions, investments, savings, and banking) through regulated Open Finance services. This ensures we use accurate, up‑to‑date information when assessing asset security and exit plans for bridging and development finance.
Special Category Data
Certain types of personal data are considered more sensitive (e.g., health data, ethnic origin, or criminal disclosures). We only process Special Category Data where it is strictly necessary for the arrangement of specific finance or insurance products, and we require your explicit consent to do so.
Why do we collect information from you?
We use your personal data to enable us to:
● Provide Services and Advice: Assessing suitability for bridging loans, development finance, or specialized agricultural/commercial funding under ‘Legitimate Interest’ or ‘Contractual Necessity’.
● Regulatory Compliance: Meeting our Anti-Money Laundering (AML) and “Know Your Customer” (KYC) obligations.
● Legal Defence: Retaining records to defend potential legal claims or complaints.
● Marketing: Providing details of products (such as auction finance or second charge lending) that may be of interest, in accordance with your preferences.
How do we protect your personal information?
We have strict safeguarding processes to ensure we meet our obligations under the Data Protection Regulations. Your Personal Data is recorded and stored in secure electronic and paper files. We take reasonable steps to safeguard your data against unlawful access, and we expect you to do the same when transferring information to us.
Your Personal Data will be retained for a minimum of three years, or longer where we have a regulatory or legal obligation to hold such information indefinitely (for example, to satisfy HMRC or AML audit requirements).
Your Rights
Your rights under the UK GDPR and the Data (Use and Access) Act 2025 include:
● The Right to be Informed: Clear information on how we use your data.
● The Right of Access (SARs): Requesting a copy of your personal data.
● The Right to Rectification: Correcting inaccurate data.
● The Right to Erasure: Requesting deletion where data is no longer necessary.
● The Right to Data Portability: Moving your data between services in a machine-readable format.
● The Right to Object: Objecting to direct marketing or processing based on legitimate interests.
Who to contact?
Our Senior Responsible Individual (SRI) is responsible for UK data protection compliance. If you have any questions, wish to exercise your rights, or notify us of an unauthorised disclosure, please contact:
Bridging Finance 4U Ltd Email: paul@bridgingfinance4u.co.uk Telephone: 0800 298 0678 Address: 525e Hertford Road, Enfield, EN3 5UA
If you have concerns about how we handle your data, you may lodge a complaint with the Information Commissioner’s Office (ICO) at www.ico.org.uk or by writing to: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.