Last updated: 21st June 2023
Brydg Capital Ltd (“Brydg”) is providing the information on this web site subject to the following terms. PLEASE READ.
PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS SITE. BRYDG MAY AT ANY TIME, WITHOUT ADVANCED NOTICE, REVISE THESE TERMS AND CONDITIONS BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.
By accessing other web sites through links provided by Brydg you also agree to the following terms and conditions. The material available on these sites has been produced by independent providers that are not affiliated with Brydg. Any opinions or recommendations expressed are solely those of the independent providers and are not the opinions or recommendations of Brydg.
Although Brydg uses reasonable efforts to include accurate and up to date information on this web site, errors or omissions sometimes occur. Brydg makes no warranties or representations as to the accuracy of this web site. Under no circumstances, including, but not limited to, negligence, shall Brydg nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if Brydg or an Brydg authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Brydg 's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.
Brydg also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site.
You agree to indemnify and hold harmless Brydg and the independent providers/transmitters for (1) any inaccuracy, error, or delay in, or omission of (a) any information, or (b) the transmission or delivery of Information; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of information due either to any negligent act or omission by Brydg or providers/transmitters of information or to any “force majeure” (i.e. flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the reasonable control of Brydg or the information providers/transmitters.
This site is owned and operated by Brydg. Permission is granted to display and navigate around this web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.
Except as otherwise permitted by Brydg, no materials from www.brydg.com or any web site owned, operated, licensed or controlled by Brydg may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this web site for noncommercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video without Brydg's written permission. You may not use the Website or make any attempt to penetrate, modify or manipulate the Website or any of Brydg's hardware or software in order to invate the privacy of, or obtain any personal information about, any Brydg customer or user of the Website; modify, erase or damage information contained on the computer of any user connected to the Website; reverse engineer any portion of the Website; perform any action with the intent on introducing to the Website any viruses, worms, defects, Trojan horses, malware or other destructive items; or interfere with or otherwise damage, disable, disrupt, impair or overburden the Website, its software, its servers or networks. You may not interfere with any other party's use and enjoyment of the Website. You may not systematically retrieve content, or use data mining, robots, or similar data gathering and extraction tools, to create a collection, compilation, database or directory, or otherwise harvest data or other information from the Website. You may not use the Website for any unlawful, unauthorized, fraudulent or malicious purpose.
Brydg neither warrants nor represents that your use of materials displayed on this web site will not infringe rights of third parties not owned by or affiliated with Brydg.
The information contained in this Website is intended for use by a resident of the United States or a corporation, partnership or other entity governed by U.S. laws. The information pertaining to investment products and services is directed only at those persons in a jurisdiction in which the investment products and services are authorized for distribution. The Website is not intended to provide legal, tax, investment or insurance advice. Except as expressly set forth herein, the information contained on this Website is not an offer to sell or solicitation to buy any security, insurance product or other product or service offered by Brydg. Information is not intended for distribution in any jurisdiction where the adviser is not licensed to distribute products or where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.
Any information, other than personal data or personal information you transmit to Brydg via the Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Brydg. Such information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting to social media. Brydg is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Brydg via the Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
All trademarks, service marks, trade names, logos, and icons in this site belong to either Brydg or its affiliates, except third-party trademarks and service marks, which are the property of their respective owners.
Inquiries concerning use of Brydg's trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to:
BRYDG Capital Americas, LLC
1230 Rosecrans, suite 300
Manhattan Beach, CA 90266
Images displayed on this web site are either the property of, or used with permission by Brydg. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Any communications or material you transmit to this web site by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of Brydg. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Brydg is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
This Website may contain statements that constitute “forward looking statements.” While these forward-looking statements may represent Brydg's judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Brydg's expectations. Brydg is under no obligation to, and expressly disclaims any such obligation to, update or alter its forward-looking statements whether as a result of new information, future events, or otherwise.
You acknowledge that any software which may be available or provided to you on the Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations. Brydg does not authorize the downloading or exportation of any software or technical data from the Website to any jurisdiction where such activity is prohibited by export controls laws and regulations.
Brydg, from time to time, may use influencers to promote its products and services, including, but not limited to the Brydg Services. Influencers are individuals or groups who have a large following on social media or other platforms. Brydg may partner with Influencers to create content that promotes its products and services, including but not limited to the Brydg Services. Influencers do not originate loans; they introduce borrowers to Brydg's platform where the borrowers may find funding for real estate projects. Influencers must disclose their relationship with Brydg when promoting its products and services, including but not limited to the Brydg Services. Influencers must state clearly that they are being compensated by Brydg for promoting its products and services, including but not limited to the Brydg Services. Brydg shall not be liable for the acts or omissions of such Influencers.
If permitted by applicable law, by using the Website and accessing any Brydg Services, you waive the right to litigate in court or an arbitration proceeding any dispute as a class action, either as a member of a class or as a representative, or to act as a private attorney general.
Effective Date: 21st June 2023
Welcome to the privacy statement (“This Privacy Statement”, “This Statement”, or “Our Statement”) for Brydg Capital, or Brydg. Brydg may be referred to throughout this statement as “Brydg”, “We”, “Us”, or “Our”. We use the words “You” and “Your” to mean you, the reader, and other visitors, users, or customers to our stores, websites, and apps who are, in all cases, over the age of 13.
This Privacy Statement pertains to the personal information we collect about you in our stores, on our websites, via our apps, through interest-based online advertising, and anywhere else online or offline where we may interact with you and collect your personal information.
The Privacy Statement describes:
We may collect certain information from or about you in connection with your interactions with Brydg, such as when you use our website or fill loan inquiries. This information may include:
We collect information from or about you in a number of different ways including:
When we collect your information, we may use it for a number of purposes, including to:
We also may use the information in other ways for which we provide specific notice at the time of collection.
In order for us to maintain the accuracy of your personal information and improve our communication with you, we may also supplement the information we collect with other public demographic information.
We may share your personal information among Brydg 's business partners. They may use this information to offer products and services to you consistent with the purposes identified in this statement. California residents can opt-out of the sharing of this information to non-essential business partners by contacting us as specified Here.
Your information may also be transferred as an asset in connection with a merger or sale (including any transfers made as part of a reorganization, dissolution or liquidation) involving all or part of Brydg or as part of a stock sale or other change in corporate control.
Contests And Promotions
If a contest, sweepstakes, or promotion is jointly sponsored by us and one or more other sponsors, your information may be shared with such sponsors. We do not control other sponsors' use of your personal information, and their use of your information will be in accordance with their own privacy policies. If you do not wish for your information to be shared in this manner, you may choose not to participate in such jointly sponsored contests, sweepstakes or promotions. Such offerings may also be subject to additional rules and regulations governing your participation.
Third-Party Service Providers
We also may share certain personal information we collect about you with partners or third parties who perform services for us or with whom we contract for the purposes described in this statement. For example, we may use third parties to host certain websites or apps, operate some of its features, send emails, print or send mailings, run our sweepstakes, contests or other promotions, conduct customer research, authorize and process your payments, manage and analyze data and our advertising effectiveness, and fulfill orders. Such third-party service providers enter into written agreements with us and are given the information that they need to perform their designated functions. We do not authorize them to use or disclose your personal information for their own or any others' marketing purposes.
Loan Funders And Other Business Partners
Legal Requirements And To Prevent Harm
Our websites and apps are intended for a general audience and are not directed to children. We do not knowingly collect personal information online from children under the age of 13.
For your convenience and information, our websites and apps may provide links to other online services, and may include third-party features such as apps, tools, widgets and plug-ins (“Third-Party Online Services”). These Third-Party Online Services may operate independently from us. The privacy practices of the relevant third parties, including details on the information they may collect about you, is subject to the privacy policies of these parties, which we strongly suggest you review. To the extent any linked Third-Party Online Services are not owned or controlled by Brydg, we are not responsible for these third parties ' information practices.
We maintain administrative, technical and physical safeguards designed to protect against loss, misuse or unauthorized access, disclosure, alteration or destruction of your personal information. However, we cannot guaranty the effectiveness of these safeguards, and nothing in this statement shall be construed as an express or implied warranty against loss, misuse or unauthorized access, disclosure, alteration or destruction.
Do Not Track
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not specifically respond to browser “do not track” signals, however we do process Global Privacy Control (“GPC”) signals as a valid opt-out request under the California Consumer Privacy Act as further described below.
Opt-Out From/Restrict Cookies And Online Behavioral Advertising
Your web browser may tell you how to be notified when you receive certain types of cookies and how to restrict, reject or disable certain cookies. Additionally, you may opt-out of data collection from the particular companies that we use to collect information from users of our websites.
We may use a company called Google to collect and analyze information about the use of our websites. This information helps us serve relevant advertisements to you on Google, and also helps us to measure the effectiveness of our marketing campaigns. If you have an account with Google, Manage Your Advertising Settings, otherwise you can manage these settings through your web browser as described above.
To update your preferences, ask us to remove your information from our mailing lists or submit a request, you may contact us as described in the Contact Information section. You also may use the following options:
Opt-Out From Email And/Or Postal Mail
You can opt-out of receiving promotional () email and/or postal mail from us by doing the following:
Please note that any opt-out for postal mail may take at least 60 days to become effective. Also, you may still receive email or postal mail from other affiliates or business partners of Brydg if they received your email or postal address from other sources or as a result of their own transactions or experiences with you, or if you request to hear from us again.
If you have questions regarding this Privacy Statement or our privacy practices, or if you wish to update the personal information you have provided to us, you may do so by contacting us using one of the methods described Here.
This Privacy Statement may be updated periodically and without prior notice to you to reflect changes in our information practices. We will post a prominent notice on the site to notify you of any significant changes to our Privacy Statement and indicate when it was most recently updated.
Your California Privacy Rights
For California Consumers
This section supplements the Brydg Privacy Statement and applies solely to California consumers (excluding Brydg personnel) who have certain rights under the California Consumer Privacy Act (“CCPA”).
Collection And Disclosure
During the prior 12-month period we may have:
We do not sell the personal information of consumers under the age of 16 if we have actual knowledge of the individual's age.
California residents have the rights listed below with respect to their personal information:
These rights, and how you can exercise them, are described in greater detail below.
You may have the right to request, twice in a 12-month period, the following information about the personal information we have collected about you during the past 12 months:
Additionally, you have the right to request that we delete the personal information we have collected from you, subject to certain exceptions.
We will not deny, charge different prices for, or provide a different level or quality of goods or services if you choose to exercise these rights.
You can exercise most of these rights by submitting a verifiable request as specified on the How To Contact Us page of our website. To opt-out of the sale of personal information, please view our Notice Of Opt-Out Of The Sale Of Personal Information. To help protect your privacy and maintain security, we take steps to verify your identity before granting you, or a third party acting on your behalf, access to your personal information or complying with your request. If someone is making a request on your behalf, we require proof of authorization as part of our identity verification process. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.
Brydg may offer various financial incentives and benefits (such as discounts and other special offers) to customers who interact with us via our websites and apps and provide certain personal information to receive the stated incentive or benefit. Generally, for any financial incentive we offer, we do not assign monetary or other value to personal information, however, the value of the personal information provided by you is reasonably related to the estimated value of the relevant financial incentive for which the information was collected. Brydg reserves the right to withdraw or modify the financial incentives we offer at any time.
The terms of the incentive will be presented to you at the time you sign up. The current list of incentives we offer is described in greater detail below.
Below are metrics regarding Requests to Know, Requests to Delete and Requests to Opt-Out submitted pursuant to the CCPA that Brydg received, complied with (in whole or in part), and denied between January 1, 2021 and December 31, 2021. These requests as compiled and disclosed are for all individuals, not just California consumers.
Request to Know
Request to Delete
Request to Opt-Out
We do not sell your personal information in exchange for monetary compensation.
If you have questions regarding this Privacy Statement or our privacy practices, or if you wish to update the personal information you have provided to us, you may do so by contacting us using one of the methods described Here.
Last updated: June 13, 2023
These terms (and any documents referred to in them) tell you the terms on which you may make use of the Brydg Capital website (the “Website”). Please read these terms carefully prior to use of the Website. By using the Website, you confirm your acceptance to these terms. If you do not agree to these terms, you should exit the Website immediately and refrain from using it.
1.1 We are Brydg Capital Limited. We are a private company registered in England and Wales at Companies House.
1.2 Our registered office is Nightingale House, 65 Curzon Street, London, W1J 8PE
1.3 You can contact us by email, email@example.com or by telephone; +44 (0)20 3137 7630
2.1 This Website is owned Brydg Capital Limited and any and all intellectual property rights in the Website including, but not limited to, copyright and database rights and any logos or trademarks (whether registered or unregistered) are owned by and remain the property of Brydg Capital Limited (or its third-party licensors as applicable) at all times.
2.2 You may print off one copy and may download extracts of the content on the Website for your personal reference and may draw the attention of others within your organisation to material posted on our website, provided that:
2.2.1 Our status (and that of any identified contributors) as authors of material on the Website must always be acknowledged;
2.2.2 You do not use any part of the content on the Website for commercial purposes without our prior written consent;
2.2.3 You do not modify in any way the paper or digital copies of any materials you have printed off or downloaded, including the removal of any copyright or other proprietary notices contained in the website;
2.2.4 Any information on the Website which is marked as being confidential is treated as such and is not disclosed to any third party; and
2.3 You agree that you will not use any part of the Website to:
2.3.1 commit or encourage any criminal offence;
2.3.2 send or receive any material which is offensive, or which may be abusive, indecent, obscene or menacing, or in breach of confidence, copyright, privacy or any other rights. In the event, we believe any material falls within any or all of these categories, we shall be entitled to remove it without notice;
2.3.3 collect or store personal data about other users;
2.3.4 insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horses, time bombs, trap doors or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this Website;
2.3.5 upload, post, email or otherwise transmit or post links to any content that facilitates hacking;
2.3.6 hack into any aspect of this Website;
2.3.7 upload, post, email or otherwise transmit links to any content that infringes the intellectual property rights of any third party;
2.3.8 circumvent or attempt to seek to circumvent, any of the security safeguards of this Website;
2.3.9 cause annoyance to other people accessing this Website;
2.3.10 send any unsolicited advertising or other promotional material, commonly referred to as “spam”, “junk mail”, “chain letters”, “pyramid schemes” or any other form of solicitation by email or by any other electronic means;
2.3.11 send email or any other type of electronic message with the intention or result of affecting the performance or functionality or any computer facilities; or
2.3.12 permit any third party to do any of the above.
2.5 Paragraph 2.2 does not apply to content contained on third party websites.
2.6 No links to the Website may be included on any other site without our prior written consent. You are not entitled to modify or redistribute the contents of the Website.
3.1 This Site is not directed at, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability or use would be contrary to applicable law or regulation or which would subject the firm to any registration or licensing requirement within such jurisdiction. Users from the United States should join the Brydg US website. Neither this website as a whole nor any part hereof shall constitute an offer of or the solicitation of an offer to invest, or the sale of securities, nor shall there be any sale of any investments or commitments in connection with this website in any jurisdiction in which such offer, solicitation or sale would be unlawful including the United Kingdom. The contents of this website do not constitute investment, legal, tax or other advice and should not be taken as such. Brydg Capital Limited arranges non-regulated bridging loans to business. Brydg may introduce individuals to lenders on occasion for the purpose of receiving an unregulated bridging loan. The products and services Brydg provide are non-regulated and therefore access to the financial ombudsman may not be available. Brydg Capital Limited is authorised by the Financial Conduct Authority as a consumer credit broker and not a lender.
3.2 The content made available on the Website is intended for general information purposes only and is provided on an “as is” basis. It does not constitute advice or the making of any recommendation and the content on the Website should not be relied upon as the basis for any decision or action. We exclude to the fullest extent permitted by law any and all liability for any direct, indirect or consequential loss or damage arising as a result of the access to and use of the Website or reliance on the content contained on it.
3.3 We aim to ensure the Website is updated regularly. However, we are under no obligation to update the material contained on the Website and cannot guarantee that the content will always be completely up to date. For this reason, we make no warranties or representations and do not give any undertakings either express or implied about any of the content of the Website (including, without limitation, the accuracy, completeness or fitness for purpose of such content or that your use of our website will not infringe the rights of third parties or for any alleged or actual infringement of third-party intellectual property rights). The use of information obtained from the Website is at your sole discretion and risk.
3.4 Articles may be added to the content of our website. Such articles will be added to the content of the Website at our sole discretion. Any material submitted will be considered non-confidential and non-proprietary and we have the right to use, copy, distribute and disclose to third parties any such material. We cannot guarantee the accuracy of such articles and exclude to the fullest extent permitted by law any and all liability for any direct, indirect or consequential loss or damage arising as a result of the access to and use of such articles or reliance on their content.
3.5 We take reasonable precautions to prevent viruses and malicious code on the website, but you are responsible for ensuring that anything downloaded from the Website is suitable for use on your computer and is free from viruses and malicious code and we exclude to the fullest extent permitted by law any and all liability that may arise in connection with or as a result of any failure to do so.
3.6 We do not represent, warrant or undertake that the use of the Website will be uninterrupted or error free.
3.7 Any transmission, downloading or sending of any information from this Website does not create any contractual relationship.
4.1 No representation or warranty is given that the information or opinions contained in this website are accurate, reliable or complete. Any information contained within this website is subject to amendment, revision or updating. Brydg Capital Limited reserves the right to suspend or withdraw access to the pages of this site without notice at any time and accepts no responsibility for these pages not being available at all times.
4.2 Users of this website must not transmit any virus, 'worm', 'Trojan horse', or other item of a destructive nature to this site and it is the user's responsibility to ensure that whatever is downloaded or selected for use from the site is free from such items. This site is governed in accordance with the laws of England and Wales. By accessing the site, you agree to submit to the exclusive jurisdiction of the Courts of England and any adjudication they make in respect of litigation arising in connection with the site
5.1 While we retain the right to establish hypertext links* between the Website and any third-party website, if you choose to use such a hypertext link you will leave the Website. Once you leave the Website, whether or not you realise that you are leaving, we are not responsible in any way for the content of any other website that you enter. We exclude to the fullest extent permitted by law any and all liability whatsoever or howsoever arising in connection with or as a result of such external website content causing any damage, costs, injury or financial loss of any kind.
5.2 You agree not to create any hypertext links or deep links** between this Website and any third-party site without our express prior written consent.
*Hypertext links are a means by which visitors can swap from one website to another or from one page to another within the same site.
**A deep link is like a hypertext link but takes the visitor into the website bypassing the homepage on the third-party website.
Brydg, from time to time, may use influencers / “influencers” to promote its products and services. Influencers are individuals or groups who have a large following on social media or other platforms. Brydg may partner with influencers to create content that promotes its products and services. Influencers do not originate loans; they promote and raise awareness of Brydg's services, introducing interested businesses to Brydg for the purpose of obtaining bridging finance. Influencers are required to disclose their relationship with Brydg, including the receipt of any fees paid to them in relation to successful introductions. Brydg shall not be liable for the acts or omissions of such influencers and it is the responsibility of Brydg and the burrower to satisfy each other that Brydg's services are suitable for the burrowers needs and that the burrower meets Brydg's underwriting criteria.
While we try to ensure that any events advertised on the Website will run in accordance with the programme as advertised, changes to the programme may be necessary. We will endeavour to post a notice of the changes on the Website as soon as is reasonably possible, however we will not be liable for any loss resulting from any such change.
The firm is committed to Treating customers fairly and as such has a TCF policy which sets out the firm's procedures and obligations. Although the firm does not transact with individual consumers, it does have a duty to achieve best client outcomes and adhere to the FCA handbook rule PRIN 2.1.1R, and the TCF initiative which as per principle 6 states “A firm must pay due regard to the interests of its customers and treat them fairly”. The firm abides by the requirements of the consumer duty as required by providing appropriate information and disclosures to individuals when acting as a credit broker.
Brydg Capital Limited is committed to apply the highest standards of ethical conduct and integrity in its business activities. Every employee and individual acting on behalf of Brydg Capital Limited is responsible for conducting business honestly and professionally.
Brydg Capital Limited benefits from carrying out business in a transparent and ethical way and by helping to ensure that there is honest, open and fair competition in our sectors. Where there is a level playing field Brydg Capital Limited can lead the market through innovation and by delivering excellent services to its customers.
Brydg Capital Limit operates a zero-tolerance policy to bribery and corruption. Employees or any persons or companies acting for it or on its behalf who are found to be in breach of the anti-bribery policy will be treated as grounds for disciplinary action, which may result in a finding of gross misconduct and immediate dismissal. Employees and other individuals acting for Brydg Capital Limited should note that bribery is a criminal offence that may result in up to 10 years' imprisonment and/or an unlimited fine for the individual and an unlimited fine for Brydg Capital Limited.
Brydg Capital Limited will not conduct business with service providers, agents or representatives that do not support the firm's anti-bribery and corruption objectives.
Brydg Capital Limited is authorised and Regulated by the Financial Conduct Authority – FRN 73949 as a Credit broker and not a lender.
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 firstname.lastname@example.org or by writing to Nightingale House, 65 Curzon Street, London, W1J 8PE. Alternatively, you can telephone +44 (0)20 3137 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: email@example.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.
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: firstname.lastname@example.org 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 email@example.com. 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 firstname.lastname@example.org.