Privacy Policy

PRIVACY POLICY

 

Effective date:  August 2026

 

At The Lending Agent, we are committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, share and protect your personal information when you enquire about or use our finance services, visit our website, or interact with our advertising. Our services include bridging finance, second (equitable) charge finance and luxury asset finance.

 

 

WHO WE ARE

 

The Lending Agent is a trading name of The Lending Agent Ltd (company number 16053396, registered at Southgate Office Village, Block E, 286-A Chase Road, London, N14 6HF. We are the "data controller" responsible for your personal information.

​

​

 

You can contact us about your data at hello@thelendingagent.com or on +44 7915 356702.

 

 

1. INFORMATION WE COLLECT

 

Depending on how you interact with us, we may collect:

 

- Identity and contact details: your name, email address, telephone number, and anything you include in an enquiry.

- Finance enquiry details: the amount of funding you need, the loan type (for example bridging or second/equitable charge), the term, the purpose of the loan, and the property or asset offered as security and its value.

- Verification and financial information: where you take an enquiry further, the information we need to assess and process it, including identity documents and details required to meet our anti-money-laundering and "know your customer" obligations.

- Correspondence: records of your communications with us by email, phone, web form and messaging apps such as WhatsApp.

- Technical and usage data: your IP address, device and browser information, and how you use our website, collected through cookies and similar technologies.

- Marketing preferences: your choices about receiving marketing from us.

 

 

2. HOW WE COLLECT YOUR INFORMATION

 

- Directly from you — when you complete an enquiry form on our website, respond to one of our adverts (including lead forms on LinkedIn, Google or Meta), call us, or message us.

- Automatically — through cookies and similar technologies when you use our website.

- From third parties — for example a broker or introducer who refers your case to us, our advertising platforms, and, where relevant, credit reference and fraud-prevention agencies.

 

 

3. HOW WE USE YOUR INFORMATION AND OUR LAWFUL BASES

 

Under UK data protection law we must have a lawful basis for using your personal information. We use your information to:

 

- Respond to your enquiry and assess whether we can help — on the basis of taking steps at your request before any contract, and our legitimate interests in operating our business.

- Arrange, provide and administer finance — on the basis of performing a contract with you.

- Carry out identity checks, anti-money-laundering and fraud-prevention checks — on the basis of complying with our legal obligations and our legitimate interests.

- Send you marketing about our products and services — on the basis of your consent, or our legitimate interests where the law allows.

- Improve our website, services and advertising — on the basis of our legitimate interests, and your consent for non-essential cookies.

- Meet our regulatory, legal and record-keeping duties — on the basis of complying with our legal obligations.

 

Where we rely on legitimate interests, we have weighed those interests against your rights, and you can object at any time.

 

 

4. MARKETING AND YOUR CHOICES

 

We may contact you about products and services similar to those you have enquired about. You can opt out at any time by emailing hello@thelendingagent.com or using the unsubscribe link in our emails. We do not sell your personal information to third parties for their own marketing.

 

 

5. WHO WE SHARE YOUR INFORMATION WITH

 

We share your information only where necessary, and with appropriate safeguards. This may include:

 

- Funding partners and lenders, where we place or refer your case to arrange finance for you.

- Brokers and introducers, where one is involved in your case.

- Service providers who help us run our business — for example our website host (Wix), our email provider (IONOS), our enquiry-management system (Notion), and our advertising platforms (LinkedIn, Google and Meta). These providers act on our instructions and are required to protect your information.

- Professional advisers, such as solicitors, accountants and auditors.

- Regulators, law enforcement and others, where we are required to share information by law or to prevent fraud or crime.

 

 

6. CREDIT REFERENCE AND FRAUD-PREVENTION AGENCIES

[Keep this section only if you actually carry out these checks. Otherwise delete it.]

 

To process an application and to prevent fraud and money laundering, we may share your information with, and receive information from, credit reference agencies and fraud-prevention agencies. They may keep a record of our searches. If you give us false or inaccurate information and we suspect or identify fraud, we will record this, and these records may be used by us and other organisations to help make decisions on credit and related services, and for tracing and debt recovery. Further details of how these agencies use personal information are available on request.

 

 

7. INTERNATIONAL TRANSFERS

 

Some of our service providers may store or process information outside the UK. Where they do, we make sure appropriate safeguards are in place (such as an adequacy decision or approved contractual clauses) so that your information receives an equivalent level of protection.

 

 

8. HOW LONG WE KEEP YOUR INFORMATION

 

We keep your personal information only for as long as necessary for the purposes described above, including to meet legal, regulatory, tax and accounting requirements. Where finance is arranged, records are typically kept for a minimum period after the relationship ends to meet those obligations. When information is no longer needed, we securely delete or anonymise it.

 

 

9. YOUR LEGAL RIGHTS

 

In the UK you have rights under data protection law, including the right to: request access to your personal information; have inaccurate information corrected; have your information erased in certain circumstances; restrict or object to our processing; request data portability; and withdraw your consent where we rely on it. To exercise any of these rights, email hello@thelendingagent.com.

 

You also have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk or on 0303 123 1113 — though we would ask you to contact us first so we can try to put things right.

 

 

10. COOKIES

 

Our website uses cookies and similar technologies to make the site work, to understand how it is used, and to support our advertising. You can manage non-essential cookies through the cookie banner on our site and through your browser settings.