Privacy Policy

1. Introduction

This Privacy Policy explains how Bridging365 ("we", "us", "our") collects, uses, shares and protects your personal information when you visit our website or use our loan enquiry and calculator services. We are committed to handling your data responsibly and in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Who We Are

Bridging365 is the data controller responsible for your personal information collected through this website. If you have any questions about this policy or how we handle your data, you can contact us using the details in Section 10.

3. Information We Collect

We may collect the following categories of information:

• Contact details you provide through our enquiry form, such as your name, phone number, and what your enquiry is for.
• Financial and property information you choose to share with us during a loan enquiry, such as loan amount, property value, and intended use of funds.
• Technical information such as your IP address, browser type, device information, and pages visited, collected automatically when you use the Site.
• Cookie data as described in Section 9 below.

The loan calculator on this Site runs in your browser. Figures you enter into the calculator are used only to display an estimate to you and are not stored or transmitted to us unless you separately submit an enquiry.

4. How We Use Your Information

We use your personal information to:

• respond to your enquiry and arrange a callback;
• assess your eligibility for a bridging loan and provide indicative terms;
• communicate with you about your application, including by phone, email or post;
• meet our legal and regulatory obligations, including anti-money laundering checks;
• improve our website and services; and
• send you relevant updates, where you have agreed to receive them.

5. Our Legal Basis for Processing

We rely on the following legal bases under UK GDPR:

• Contract: to take steps towards, and perform, a loan agreement with you.
• Legal obligation: to comply with financial regulation, anti-money laundering and fraud prevention requirements.
• Legitimate interests: to operate and improve our website, and to respond to general enquiries.
• Consent: where you have opted in to receive marketing communications, which you may withdraw at any time.

6. Sharing Your Information

We may share your information with:

• brokers or introducers, where your enquiry was made through one;
• funding partners and lenders, to assess and, where appropriate, provide a loan;
• credit reference and fraud prevention agencies, to carry out required checks;
• valuers, solicitors and other professionals involved in your application;
• relevant regulators or authorities, where legally required; and
• service providers who support our website and business operations, under appropriate confidentiality terms.

We do not sell your personal information to third parties.

7. Data Retention

We keep your personal information only for as long as necessary to fulfil the purposes described in this policy, including to meet legal, accounting, or regulatory reporting requirements. If your enquiry does not proceed to an application, we typically retain your details for a limited period in case you wish to return to us, after which they are securely deleted.

8. Your Rights

Under UK GDPR, you have the right to:

• request access to the personal information we hold about you;
• request correction of inaccurate or incomplete information;
• request erasure of your information, where applicable;
• request that we restrict or stop processing your information in certain circumstances;
• request a copy of your information in a portable format; and
• object to processing based on legitimate interests or for direct marketing.

To exercise any of these rights, please contact us using the details in Section 10. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk if you believe we have not handled your information properly.

9. Cookies

Our website may use cookies and similar technologies to remember your preferences, understand how the Site is used, and improve performance. You can control or disable cookies through your browser settings; please note that some parts of the Site may not function as intended if cookies are disabled.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

• Phone: 020 3000 0000
• Email: hello@bridging365.co.uk

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The date at the top of this page shows when it was last revised. We encourage you to review this page periodically.