Bridging Finance 4U Ltd takes the privacy and protection of personal data seriously. This notice explains how we collect, store and use your personal data, the lawful basis on which we do so, and your rights in relation to it.

Who we are

Bridging Finance 4U Ltd is registered in England and Wales under company number 15831978. Our registered and trading address is 525E Hertford Road, Enfield, Middlesex, London, EN3 5UA. We are registered with the Information Commissioner’s Office under registration number ZB724180.

We are a specialist broker of non-regulated bridging finance and property-related credit. We arrange finance; we are not a lender. Where a case requires a regulated activity we refer it to an FCA-authorised firm rather than carrying it out ourselves.

For the purposes of data protection law, Bridging Finance 4U Ltd is the data controller in respect of the personal data described in this notice.

The law that applies

We process personal data in accordance with the UK General Data Protection Regulation, the Data Protection Act 2018 and the Data (Use and Access) Act 2025.

What we mean by personal data

Personal data means information that relates to you and can be used to identify you, either on its own or together with other information we hold.

In arranging short-term finance, bridging loans or development finance, the personal data we hold about you may include:

• Name, date of birth, nationality, marital status and contact details
• Addresses and documents needed to verify your identity, such as a passport, driving licence or utility bill
• Employment and income information
• Bank account details, tax information, existing borrowing, credit history, and details of income and expenditure
• Property details, valuation reports and exit strategy documentation such as evidence of a sale or refinance

When you visit www.bridgingfinance4u.co.uk we may also collect technical information including cookies, IP address, approximate location and browser data. Our cookie policy explains this in more detail.

Where we get your data from

Most of the personal data we hold comes directly from you. We may also receive it from:

• Lenders and banks on our panel
• Solicitors, conveyancers and surveyors acting on your transaction
• Credit reference and fraud prevention agencies
• Public sources such as Companies House and HM Land Registry
• Digital identity verification providers

Digital identity verification

We use approved digital verification services to confirm your identity. This involves secure checks of your identity documents and, in some cases, biometric information. These checks protect you against fraud and help us meet our obligations under money laundering regulations.

Open finance data

With your permission we may access financial information — pensions, investments, savings and banking — through regulated open finance services. This helps us work from accurate, current information when assessing security and exit strategy. You can withdraw that permission at any time.

Sensitive data

Some personal data is treated as more sensitive, including health data and information about ethnic origin. We only process this where it is strictly necessary to arrange a particular facility, and we will ask for your explicit consent before doing so.

Information about criminal offences and convictions is handled separately under data protection law, and we only process it where we are legally permitted to.

Why we process your data, and our lawful basis

• Arranging finance. Assessing your requirements and placing your case with a suitable lender. Lawful basis: performance of a contract, or steps taken at your request before entering into one.
• Legal and regulatory obligations. Meeting our anti-money laundering and know-your-customer duties. Lawful basis: legal obligation.
• Fraud prevention. Verifying identity and checking against fraud databases. Lawful basis: legitimate interests, and legal obligation where applicable.
• Defending claims. Keeping records so we can respond to complaints or legal claims. Lawful basis: legitimate interests.
• Marketing. Telling you about products that may be of interest, such as auction finance or second charge lending. Lawful basis: consent, or legitimate interests where you are an existing client. You can opt out at any time.

Who we share your data with

To arrange finance we need to share your information with third parties, including lenders on our panel, solicitors and conveyancers, surveyors and valuers, credit reference and fraud prevention agencies, and our own professional advisers.

We do not sell your personal data. We do not share it for third-party marketing.

Transfers outside the UK

We do not routinely transfer personal data outside the United Kingdom. Where a transfer is necessary, we only do so where the receiving country has been recognised as providing an adequate level of protection, or where appropriate safeguards are in place.

How we protect your data

Your data is held in secure electronic systems and, where paper records exist, in secure physical storage. Access is limited to those who need it. We take appropriate technical and organisational measures to protect against unauthorised access, loss or disclosure.

How long we keep it

We keep personal data for as long as we need it for the purpose it was collected, and then for as long as we are required to by law.

• Enquiries that do not proceed — up to 12 months
• Client records and completed cases — six years from the end of our relationship with you, to meet accounting, tax and legal requirements
• Identity and anti-money laundering records — five years from the end of the business relationship or the completion of the transaction, as required by money laundering regulations
• Marketing preferences — until you withdraw consent or ask us to stop

Once a retention period ends we securely delete or anonymise the data.

Your rights

You have the following rights in relation to your personal data:

• To be informed — to know how we use your data, which is what this notice is for
• Of access — to request a copy of the personal data we hold about you
• To rectification — to have inaccurate data corrected
• To erasure — to ask us to delete data where we no longer need it, subject to our legal retention obligations
• To restrict processing — to ask us to limit how we use your data in certain circumstances
• To data portability — to receive your data in a machine-readable format, or have it transferred to another provider
• To object — to object to direct marketing at any time, or to processing based on legitimate interests
• In relation to automated decision-making — not to be subject to a decision based solely on automated processing that has a significant effect on you

To exercise any of these rights, contact us using the details below. We will respond within one month.

Contact us

Paul Barber is responsible for data protection at Bridging Finance 4U Ltd. Please contact us if you have any questions about this notice, wish to exercise your rights, or need to report a suspected data breach.

Complaining to the ICO

If you are unhappy with how we have handled your personal data you can complain to the Information Commissioner’s Office. We would ask you to raise it with us first so we have the chance to put it right.

Changes to this notice

We review this notice at least annually. This version was last updated in July 2026.