London Bridge Finance Privacy Policy

London Bridge Finance (“we”, “us”, “our”) is committed to protecting and respecting your personal data. This Privacy Policy explains how we collect, use, store, and safeguard your information in accordance with applicable data protection laws.

  1. How We Use Your Personal Data

We process your personal data for the following purposes:

  • Assessing Applications
    To evaluate loan or finance applications, including conducting credit checks, identity verification, and financial assessments.
  • Administering Lending Relationships
    To manage loan agreements, maintain accurate records, communicate with you, and provide ongoing support throughout the lifecycle of your facility.
  • Regulatory and Legal Compliance
    To comply with applicable laws and regulations, including Anti-Money Laundering (AML), Know Your Customer (KYC), fraud prevention, and reporting obligations.
  • Operational and Business Purposes
    To improve our services, manage risk, and ensure the effective operation of our business.

  1. How We Collect Personal Data

We may collect your personal data from the following sources:

  • Directly from you (e.g., application forms, correspondence)
  • Brokers, introducers, or intermediaries
  • Professional advisers (such as solicitors, accountants, and valuers)
  • Credit reference agencies and fraud prevention agencies
  • Publicly available sources (e.g., Companies House, property registers)
  • Our website, digital platforms, and contact forms

  1. What Personal Data We Collect

Depending on your relationship with us, we may collect and process the following categories of personal data:

  • Identity Information
    Name, date of birth, and identification documents (e.g., passport, driving licence, residency status)
  • Contact Information
    Email address, telephone number, and residential/business address
  • Financial Information
    Income, assets, liabilities, credit history, and financial statements
  • Banking Information
    Bank account details and transaction data
  • Property and Asset Information
    Property ownership details, development information, and valuation data
  • Technical Data
    Website usage data (where applicable), including IP address and browser information

  1. Data Sharing

We may share your personal data with trusted third parties where necessary, including:

  • Credit reference and fraud prevention agencies
  • Legal and professional advisers
  • Valuers and surveyors
  • Regulatory authorities and law enforcement agencies
  • Service providers who support our business operations

All third parties are required to respect the security of your personal data and to process it in accordance with the law.

  1. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes outlined in this policy and to comply with legal obligations:

  • Loan records: Up to 7 years after loan redemption
  • AML/KYC documentation: Minimum of 5 years after the end of the relationship
  • Financial transaction records: Typically 6–7 years
  • Marketing data: Until you withdraw your consent or opt out

  1. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, misuse, or alteration. Access to your data is restricted to authorised personnel only.

  1. Your Rights

Subject to applicable law, you have the following rights:

  • The right to access your personal data
  • The right to request correction of inaccurate or incomplete data
  • The right to request deletion of your data (where legally permissible)
  • The right to restrict or object to processing
  • The right to withdraw consent (where processing is based on consent)
  • The right to lodge a complaint with a data protection authority

  1. Cookies and Website Usage

Where you interact with our website, we may use cookies and similar technologies to improve user experience and analyse website performance. You can control cookie preferences through your browser settings.

  1. Contact and Complaints

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact our Data Protection Lead:

Email:

fasttrack@londonbridgefinance.com

If you are not satisfied with our response, you have the right to lodge a complaint with your local data protection authority.