PRIVACY STATEMENT – CLOSED BRIDGING FINANCE LTD
- Who we are
We are Closed Bridging Finance Ltd (“Closed Bridging Finance”, “we”, “us”, “our”).
We are authorised and regulated by the Financial Conduct Authority solely for credit broking activities.
Contact details:
- Telephone: 01962 885927
- Email: [email protected]
- Correspondence Address: 8 Hinton Fields, Kings Worthy, Winchester, Hants SO23 7QB
- Registered Office Address: Amelia House, Crescent Road, Worthing Bn11 1QR
- Data Protection Officer / Contact: Rory O’Mara
- ICO Registration Number: ZA102474
- FCA Authorisation Number: 720595
This policy explains how we collect, use and protect personal data when you visit our website (www.closedbridgingfinance.com), contact us, or use our services.
- What data we collect
We may collect and process the following types of personal data:
- Identity and contact details: name, address, email address, telephone numbers, date of birth, IP address.
- Application and financial information: details about your enquiry or application, reason for borrowing, assets and liabilities, bank details, investment property details, home ownership details, evidence of identity and address, and information about your business interests.
- Interaction data: information from calls (including call recordings), emails, letters, online forms, and any surveys or feedback you provide.
- Usage and profile data: how you use our website (pages viewed, links clicked), device and browser information, cookie identifiers and similar technologies.
- Data from third parties: information from credit reference agencies, fraud prevention agencies, introducers/brokers, lenders, valuers, solicitors, other professional advisers, and publicly available sources such as Companies House and the Land Registry
Special category data
In limited cases, you may choose to provide information that reveals special category data (for example health information or other vulnerability indicators).
Where this happens, we will only use this information with your explicit consent or where the law otherwise allows, and only for the purposes explained to you (for example, to provide appropriate support if you are a vulnerable customer).
- How we use your data and our legal bases
We use your personal data for the following purposes:
- To process your enquiry or application and manage your request.
- To assess creditworthiness and product suitability, using information from credit reference and fraud‑prevention agencies.
- To verify your identity and carry out anti‑money laundering, sanctions and fraud‑prevention checks.
- To communicate with you about your enquiry, application or facility and about important changes to our terms or services.
- To manage our relationship with you, including handling enquiries, feedback and complaints.
- To maintain internal records for accounting, audit, tax and governance purposes and to respond to requests from regulators or other authorities.
- To monitor and improve our products, services and website, including outcome monitoring and management information required under the FCA Consumer Duty.
- To conduct customer surveys and market research.
- To send you marketing about our products and services where permitted (see section 7).
Our main lawful bases under UK data protection law are:
- Performance of a contract – processing is necessary to take steps at your request before entering into a contract and to perform our contract with you.
- Compliance with legal obligations – for example, anti‑money laundering and fraud‑prevention requirements.
- Legitimate interests – for example, preventing fraud, managing credit risk, monitoring product performance, improving our services and evidencing good customer outcomes; we balance these interests against your rights and freedoms.
- Consent – for certain activities such as some types of marketing or where we process special category data; you can withdraw consent at any time (see section 8).
- When we share your data
We may share your personal data with:
- Lenders, brokers, packagers and finance providers involved in your application or facility.
- Professional advisers such as solicitors, valuers, surveyors, accountants and other advisers.
- Credit reference agencies and fraud‑prevention agencies.
- IT and system providers, hosting providers, customer service providers and other outsourced service suppliers.
- Law enforcement agencies, regulators, the Financial Ombudsman Service, the Information Commissioner’s Office and other authorities where required.
- Market research and tracing agents, and debt recovery agencies where needed.
- Any third party to whom we may sell, transfer or merge parts of our business or assets, provided they keep your data safe and use it only as set out in this notice.
We only share what is necessary for the purposes described and require third parties to keep your data secure and to process it lawfully.
- How long do we keep your data
We keep your personal data for as long as necessary for the purposes set out in this policy and to meet legal, regulatory, tax and accounting requirements.
In general, this means:
- For the duration of your relationship with us as a customer.
- For a further period where required by law (for example financial and credit information may be retained for up to six years after an account is closed or a default recorded).
- For longer where needed to resolve disputes, respond to complaints, enforce agreements or demonstrate that we have treated you fairly.
Where data is kept for research or statistical purposes, it will be anonymised or pseudonymised wherever possible.
- Marketing and your right to withdraw
We may use your contact details to send you information about products and services we think may be of interest, for example bridging finance updates or related services.
We will do this:
- On the basis of consent where required (for example, personal email addresses and mobile numbers), or
- On the basis of our legitimate interests where we are communicating with corporate contacts, subject to your right to opt out.
Your right to withdraw from marketing
You have the right at any time to stop Closed Bridging Finance Ltd from contacting you for marketing purposes.
You can withdraw from marketing by:
- Clicking the “unsubscribe” link in any marketing email you receive from us.
- Emailing us at [email protected] and stating that you wish to stop receiving marketing.
- Calling us on 01962 885927.
If you opt out of marketing, we may still need to contact you with service or regulatory messages about any existing relationship.
- Cookies and website tracking
Our website uses cookies and similar technologies to:
- Keep you signed in and maintain the security of your session.
- Understand how you navigate and use our website so we can improve its design and content.
- Remember your preferences.
- Measure and improve the effectiveness of our marketing activity.
- Tailor content and advertising to be more relevant to your interests.
Details of the specific cookies used (including analytics, advertising and functionality cookies such as those from Google, Hotjar, Facebook, Bing and YouTube) are set out in our cookie table and may be updated from time to time.
You can manage cookies through your browser settings. If you disable some cookies, parts of our website may not function properly. Further information is available at www.allaboutcookies.org.
- Your data protection rights
You have the following rights in relation to your personal data:
- Right to be informed – to receive clear information about how we use your data, which is the purpose of this policy.
- Right of access – to request a copy of the personal data we hold about you and certain additional information.
- Right to rectification – to have inaccurate or incomplete data corrected.
- Right to erasure – in certain circumstances, to ask us to delete your personal data.
- Right to restrict processing – to request that we limit the way we use your data in certain situations.
- Right to data portability – to receive the personal data you have provided to us in a structured, commonly used and machine‑readable format and to have it transmitted to another controller where technically feasible.
- Right to object – to object to processing based on our legitimate interests and the absolute right to object to your data being used for direct marketing.
Rights related to automated decision‑making and profiling
You also have rights in relation to automated decision‑making and profiling:
- You can object to your data being used for automated decisions or profiling where your personal data is processed automatically to assess certain aspects about you without human input (for example, creditworthiness or risk profiling).
- Where we use automated processes that have a legal or similarly significant effect on you, you have the right to obtain human intervention, to express your point of view and to contest the decision.
We do not routinely rely on fully automated decisions to make final lending or broking decisions, but we may use automated tools (for example, credit scoring or fraud checks) as part of our assessment and monitoring processes.
If you wish to exercise any of these rights, please contact us using the details in section 1. We normally have one month to respond to your request.
- How we protect your data
We use appropriate technical and organisational measures to protect your personal data from unauthorised access, accidental loss, destruction or damage.
These include secure systems, access controls, staff training and regular reviews of our data protection controls and procedures.
- Links to other websites
Our website may contain links to other websites. If you follow a link to another site, their privacy policy will apply and we recommend you read it to understand how they process your data. We are not responsible for the privacy practices of other websites.
- Changes to this policy
We keep this privacy policy under regular review and will place any updates on this page.
This policy was last updated on 24 March 2026.
HOW TO CONTCT US OR COMPLAIN
If you have any questions about this policy, the data we hold about you, or wish to exercise your rights, please contact us:
- Email: [email protected]
- Phone: 01962 885927
- Post: 8 Hinton Fields, Kings Worthy, Winchester, Hants SO23 7QB
If you are unhappy with how we have used your personal data, you can also complain to the Information Commissioner’s Office (ICO):
Information Commissioner’s Office
Wycliffe House, Water Lane
Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113
Website: https://ico.org.uk/global/contact-us/