The Brydg Privacy Promise

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 info@brydg.com or by writing to Nightingale House, 65 Curzon Street, London, W1J 8PE. Alternatively, you can telephone 0203 137 7630.

Who we are?

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.

How do we collect information from you?

We obtain information about you when you use our website as per our cookie policy, for example, when you contact us about products and services, when submitting information on behalf of your clients and confirming your own details if you register to receive one of our weekly newsletters or if you engage in service provision with us.

What type of information is collected from you?

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.

On what basis do we process personal data?

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.

How long is information kept for?

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.

How we may use your information

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:

• assessing your application, lending and insurance risks
• carrying out checks required by applicable regulation or regulatory guidance
• opening and maintaining accounts
• verifying your identity
• transferring or receiving money
• enforcing loan provisions or contacting you in the case of a default.
• analytics, internal audit, service improvement
• keeping you informed and providing you any notices in regards to any agreements you or your clients have agreed to participate in
• carrying out our obligations arising from and exercising our rights under, any agreements between you, your clients and us or other users of brydg.com.
• allowing you and your clients to participate in interactive features of brydg.com, when you choose to do so.

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.

Disclosure of your information

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:

• where we are under a legal, regulatory or professional obligation to do so
• where we merge, reorganise or transfer all or part of our business we may disclose information to successors of the business.
• If you request it, or give your permission for it to do so;
• To agents and subcontractors, acting for either Brydg or a Lender, to use for the purpose of operating brydg.com and obtaining the payment of any amount owed by you or a related Borrower.
• To a credit broker in the event that you apply to borrow money, your application is declined or the loan monies are otherwise unavailable and it reasonably believes that the credit broker may be able to help you obtain a loan

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.

Third Party Product Providers we work in association with: We work closely with various third-party product providers to bring you a range of quality and reliable products and services designed to meet the needs of the lending market. When you enquire about or purchase one or more of these products, the relevant third-party product provider will use your details to provide you with information and carry out their obligations arising from any contracts you have entered into with them. In some cases, they will be acting as a data controller of your information and therefore we advise you to read their Privacy Policy. These third-party product providers will share your information with us which we will use in accordance with this Privacy Policy.

For details of how we use cookies, please refer to our cookie policy.

Where you have provided us with information about other people

Where you provide information about other people (for example when a broker discloses information about their clients or if you disclose information about directors, partners, members, shareholders or beneficial owners other than yourself) then you confirm that you have their consent to do so and that they have read, understand and agree to the terms of this Privacy Policy, including how we may use such information.

Security precautions in place to protect the loss, misuse or alteration of your information

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.

Brydg.com may contain links to and from other websites. This privacy policy only applies to this website, and doesn't cover other services and transactions that we link to. We recommend that you check the policy of that third party site.

Your Choice

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: info@brydg.com

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.

How you can access and update your information

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: info@brydg.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.

Complaints

In the event you are unhappy with our processing of your personal data, you should write to us at info@brydg.com. You have the right to complain to the Information commissioner's office about our processing activities; https://ico.org.uk/global/contact-us/.

Contacting You

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 unsubscribe@brydg.com.

Changes to our privacy policy

We keep this Policy under regular review. This Policy was last updated in March 2022. Any changes we may make to our privacy policy in the future will be posted on our website and, where appropriate, notified to you by e-mail.