Privacy Policy

This privacy policy explains how Berkeley Credit Ltd ("we", "us", "our") collects, uses, and protects your personal data when you use our website and services. Berkeley Credit Ltd is registered in England and Wales (Company No: 16111009) and is committed to protecting your privacy in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Last updated: April 2026

1. What Data We Collect

We may collect the following personal data when you interact with our website, submit enquiry forms, or communicate with us:

• Full name and title
• Email address and telephone number
• Property details and loan requirements
• Employment and income information
• Credit history (where relevant to your application)
• IP address, browser type, and usage data collected via cookies

2. How We Use Your Data

We use your personal data for the following purposes:

• To respond to your enquiries and provide quotes
• To assess your eligibility for bridging loan products
• To communicate with you about your application
• To comply with our regulatory and legal obligations
• To improve our website and services
• To send marketing communications (only with your explicit consent)

Our lawful bases for processing your data include: your consent, performance of a contract, compliance with a legal obligation, and our legitimate business interests.

3. Cookies

Our website uses cookies to enhance your browsing experience and analyse site traffic. Cookies are small text files placed on your device when you visit our site.

We use the following types of cookies:

• Essential cookies: Required for the website to function correctly. These cannot be disabled.
• Analytics cookies: Help us understand how visitors use our website so we can improve it. These are only set with your consent.
• Marketing cookies: Used to deliver relevant advertising. These are only set with your consent.

You can manage your cookie preferences at any time through your browser settings or our cookie consent tool.

4. Data Sharing

We may share your personal data with the following third parties where necessary to provide our services:

• Our panel of bridging loan lenders (to process your application)
• Solicitors and valuers instructed in connection with your loan
• Credit reference agencies (where relevant)
• Our professional advisors, including accountants and legal counsel
• Regulatory bodies, including the FCA, where required by law

We will never sell your personal data to third parties for marketing purposes.

5. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected:

• Enquiry data: up to 3 years from the date of your enquiry
• Client data: up to 7 years after the conclusion of your loan, in line with our regulatory obligations
• Marketing data: until you withdraw your consent
• Website analytics data: up to 26 months

6. Your Rights (UK GDPR)

Under the UK GDPR, you have the following rights regarding your personal data:

• Right of access: You can request a copy of the personal data we hold about you.
• Right to rectification: You can ask us to correct any inaccurate or incomplete data.
• Right to erasure: You can request that we delete your personal data in certain circumstances.
• Right to restrict processing: You can ask us to limit how we use your data.
• Right to data portability: You can request your data in a structured, machine-readable format.
• Right to object: You can object to our processing of your data for direct marketing or based on legitimate interests.
• Right to withdraw consent: Where processing is based on your consent, you can withdraw it at any time.

To exercise any of these rights, please contact us using the details below. We will respond to your request within one month.

7. Contact Us

If you have any questions about this privacy policy or wish to exercise your data protection rights, please contact us:

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.