At Brydg, we're committed to protecting and respecting your privacy.
Our Policy explains when and why we collect personal information about people who visit our website and use our services, how we use it, the conditions under which we may disclose it to others and how we keep it secure.
We may change this Policy from time to time so please check this page occasionally to ensure that you're happy with any changes. By using our website and our services, you're agreeing to be bound by this Policy.
Any questions regarding this Policy and our privacy practices should be sent by email to email@example.com or by writing to Nightingale House, 65 Curzon Street, London, W1J 8PE. Alternatively, you can telephone 0203 137 7630.
Brydg is a new generation lender working closely with selected intermediaries providing bridging and short-term funding to the unregulated residential property sector. The registered address is Nightingale House, 65 Curzon Street, London, W1J 8PE.
The personal information we collect might include your name, address, email address, IP address, and information regarding what pages are accessed and when. If you are submitting an application form, we will ask for various other pieces of personal data about the borrower(s), the borrower(s) financial history and property details associated with the application. We will also request copies of the borrower's Identity documents.
Once an application form is submitted, we work with third party providers to validate this information as well as review information available via the media and other publicly available sources. Example of the types of providers we work with include: credit reference agencies, fraud prevention agencies, insolvency practitioners, debt advisers, tracing agents, commercial databases, marketing databases, public records and other publicly available information sources, including information about your business or company (e.g., previous credit applications, personal credit information, electoral register and fraud prevention information).
If you give us false or inaccurate information and we suspect or identify fraud, we will record this and details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information as permitted by law.
We process personal data which is necessary for the purpose of the performance of a contract we have in place with you.
We process personal data where we have a lawful basis, such as compliance with the UK Money Laundering Regulations.
We process personal data where we have obtained your consent to do so.
We process personal data where we have a legitimate interest to do so.
In limited circumstances we may process special category data, this is typically in compliance with Financial Conduct Authority senior managers recruitment procedures. If we believe we are required to process special category data about you, we will provide you an explanation as to why and obtain your consent to process.
We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our statutory obligations (for example information about complaints and identity documents in compliance with the UK Money Laundering regulations). We will hold your personal information on our systems in accordance with statutory retention periods, and may retain data post these retention periods in certain limited circumstances such as; with your consent, or as required by law or where we have anonymised your data and it no longer identifies you.
We will not sell or rent your information to third parties.
We will not share your information with third parties for marketing purposes.
Your information will be used to provide you or your clients with information and services that you request from us, to enable us to provide you with information that we feel may be of interest to you or your clients and for other legitimate business purposes, for example:
We and other organisations (such as credit reference agencies) may also access and use this information to identify, prevent and tackle fraud, money laundering and other crimes.
Information you provide may be shared with Brydg Capital, our subsidiaries and certain of our service providers based in the UK, in any part of the EEA or elsewhere. Brydg Capital only transfers data outside of the UK in certain limited circumstances, namely, to territories where the EU has issued a decision notice deeming the country as having adequate Data protection law and procedures in place, or under standard contractual clauses or where binding corporate rules are in place.
Brydg will keep your personal data confidential and only disclose it to others when you have consented for us to do so for the purposes outlined above, and:
Brydg and Lenders may use previous applications to assess applications they receive from you in the future.
Third Party Service Providers working on our behalf: When we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes. Please be reassured that we will not release your information to third parties beyond the Network for them to use for their own direct marketing purposes, unless you have requested us to do so.
We store your data on our secure servers in the UK and the EU. It may also be stored in other places outside of Europe, where it could be viewed by our staff or suppliers. By submitting your personal data, you agree to this.
Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
You have a choice about whether or not you wish to receive information from us. If you do not want to receive direct marketing communications from us about our products and services, then you can select your choices by ticking the relevant boxes situated on the form on which we collect your information.
We will not contact you for marketing purposes by email, phone, post or text message if you have requested us not to. You can change your marketing preferences at any time by contacting us by email: firstname.lastname@example.org
Regarding ads, you can opt-out of receiving personalized ads (including retargeted ads) served on our behalf by clicking on the blue icon that typically appears in the corner of the ads and following the instructions provided. You can also opt out of seeing personalized ads using the NAI opt out tool here.
Please note that this "opt-out" function is browser-specific and relies on an "opt-out cookie", thus, if you delete your cookies or upgrade your browser after having opted out, you will need to opt-out again.
The accuracy of your information is important to us. If you change email address, or any of the other information we hold is inaccurate or out of date, please email us at: email@example.com or update them via your account.
You have the right to ask for a copy of and challenge the accuracy of the information we hold about you. You have the right to restrict the use of the information we hold on you and the right to erasure. Please note that we may be required by law to retain personal data, such as the performance of a contract we have with you.
In the event you are unhappy with our processing of your personal data, you should write to us at firstname.lastname@example.org. You have the right to complain to the Information commissioner's office about our processing activities; https://ico.org.uk/global/contact-us/.
We will contact you via your account, telephone, email or mail for operational purposes relating to your account. We, or carefully selected third parties, may also contact you to inform you about products and services which we believe may be of interest to you. You have the right to ask us not to process your personal data for marketing purposes. You can exercise the right at any time by unsubscribing or contacting us at email@example.com.