Privacy Policy

This Privacy Policy explains how we collect, use, store and share personal information when you visit our website, get in touch with us, or use our services. We are a specialist finance brokerage arranging bridging finance, buy to let mortgages, commercial mortgages and refurbishment finance for intermediaries and their clients.

As a data controller, we process your personal data fairly, lawfully and transparently under the UK GDPR and the Data Protection Act 2018. This policy tells you what data we hold, why we hold it, and how it's used.

“We”, “us” and “our” refer to BRIDGING & COMMERCIAL FINANCE LIMITED. “You” refers to anyone visiting our website or using our services. If we make material changes to this policy, we'll let you know directly where possible.

We're a UK-based specialist finance distributor, working with mortgage intermediaries and their clients across bridging finance, buy to let mortgages, commercial mortgages and refurbishment finance. Our registered office is at 1 High Street, Weybridge, England, KT13 8UA.

The type of information we collect depends on how you interact with us.

Personal information

When you submit a form, request a callback, or apply for finance, we may collect:

• Your name and contact details (email, phone number)
• Company name and FCA reference number, if applicable
• The reason for your enquiry or callback request
• Details you provide in a complaint or comment
• Your IP address and browser information, used to help detect spam

Usage data

When you browse our website, we automatically collect information about your visit - your IP address, browser type, the pages you view, how long you spend on them, and the site that referred you to us.

Cookies

We use cookies and similar technologies to recognise returning visitors and understand how our website is used. See section 8 for the full detail.

We collect personal data from a number of sources, including:

• Directly from you, when you contact us or submit a form
• Your employer or the firm you represent
• Introducers, connected firms and distribution partners
• Solicitors and other professionals acting on your behalf
• Borrowers and prospective borrowers named in an application

If any of your details change, please let us know so we can keep our records accurate.

We use the information we collect to:

• Respond to your enquiries and provide the services you've requested
• Process and manage finance applications
• Improve our website and the experience of using it
• Send marketing communications, where you've agreed to receive them
• Understand how our website performs, using analytics tools
• Meet our legal and regulatory obligations

We don't sell your personal data. We may share it, where necessary, with:

• Lenders and product providers, to progress an application
• Analytics and marketing platforms that help us run the website
• Regulators and legal authorities, where required by law
• IT providers and professional advisers who support our operations

Under UK GDPR, we rely on one or more of the following:

• Your consent, where you've given it
• Performance of a contract, such as responding to an enquiry
• Our legitimate interests, for example improving our services
• Compliance with a legal or regulatory obligation

Cookies are small text files placed on your device by your browser when you visit our website - they help the site remember your preferences and understand how it's being used.

Necessary cookies

These are required for the website to function. The site can't work properly without them, and they can only be turned off by changing your browser settings.

Session cookies

These let you move between pages without re-entering the same information more than once.

Analytics & marketing cookies

With your permission, we use these to understand how visitors use our site and to make our marketing more relevant. They're often set by third-party platforms.

Cookies don't give us access to your device or any information beyond what you choose to share. You can accept or decline cookies through your browser settings at any time.

Some pages may include content embedded from other sites - videos, social posts, or similar. This content behaves as if you'd visited the original site directly, and the provider may collect data or set their own cookies.

We don't control how third-party sites handle your data. Check the privacy settings on the relevant platform directly.

We keep personal data only for as long as necessary, or as required by law. Usage data is typically retained for up to twelve months.

Under UK GDPR, you have the right to:

• Access the personal data we hold about you
• Ask us to correct or delete inaccurate data
• Object to, or ask us to restrict, certain processing
• Withdraw consent at any time, where processing relies on it
• Lodge a complaint with the Information Commissioner's Office (ICO)

To exercise any of these rights, contact us at contact@bcfl.co.uk.

Our website is intended for professional use and isn't directed at children. We don't knowingly collect personal data from anyone under the age of 16.

We may update this policy from time to time. Changes will be posted here with a revised “last updated” date.

If you have questions about this policy, or want to exercise any of your data rights, get in touch:

For more on cookies and your data protection rights, visit the Information Commissioner's Office website.