Last Updated 15th April 2022.
The UK Property Development Finance site provides an interactive sourcing model for development loans in order that you, the client, can make an informed decision. This site provides free information, topical news and informative guides, calculators and downloads. This is not intended as and should neither be construed as investment advice. You can use the contact page and select compliance from the dropdown menu to contact us for general data protection queries. We are a registered data controller with Information Commissioner’s Office UK (ICO), registration number ZB328152.
Your input: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. This is an extremely important part of site security adopted by millions of websites across the world to not only protect themselves from onerous spamming but also hackers.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
How you are protected
The law states we must have one or more of these reasons:
- To fulfil a contract we have with you, or
- When it is our legal duty, or
- When it is in our legitimate interest, or
- When you consent to it.
A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. Furthermore your personal data is protected by legal rights including:
- object to our processing of your personal data;
- request that your personal data is erased or corrected;
- request access to your personal data.
For more information or to exercise your data protection rights, please contact us using the ‘contact’ form as previously advised. You also have the right to complain to the Information Commissioner’s Office (ICO) https://ico.org.uk/concerns/, which regulates the processing of personal data.
embedded content from other websites
Embedded content: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
who we share your data with
- Agents and advisers who we use to help run your accounts and services, collect what you owe and explore new ways of doing business
- HM Revenue & Customs, regulators and other authorities
- UK Financial Services Compensation Scheme
- Credit reference agencies
- Fraud prevention agencies
- Companies we have a joint venture or agreement to co-operate with
- Organisations that introduce you to us
- Companies that we introduce you to
- Companies you ask us to share your data with
In addition to the above, should we undergo a major company restructuring, then your data will be used by the new organisation in the same way as set out in this notice.
how long we retain your data
Retention of Data: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
what type of information we'll gather
Some websites who introduce and interact with third party providers should you apply (mortgage/financial services) via a Limited Company. A limited company can and is often used as a tax efficient vehicle to purchase buy to let and HMO properties. These details can include but are not limited to name, occupation, date of birth, contact details and financial details.
Additionally, we may need to collect sensitive personal data for some products or to comply with legislation. We will only collect and use these types of data if we are specifically required to:
- Racial or ethnic origin
- Religious or philosophical beliefs
- Genetic and bio-metric data
- Health data including gender
- Criminal convictions and offences
Intermediaries/brokers/agents should only collect information to progress your case and only collect and process sensitive personal data where it is essential to finding the express product you have requested. Any broker/agent/intermediary will not explicitly request your consent to process this sensitive information as it is required by same to agreed services. If you do not want this sensitive detail to be shared as and where necessary it will be unlikely anyone will be able to progress your enquiry.
what rights you have over your data
Your Rights: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
“At any rate the existence of a legitimate interest would need careful assessment including whether a data subject can reasonably expect at the time and in the context of the collection of the personal data that processing for that purpose may take place.”
Where we send your data
SPAM detection: Visitor comments may be checked through an automated spam detection service.
Credit Reference Agencies (CRAs)
We do not carry out credit and identity checks either on you as an individual or through a business (Ltd Co).
For your information you can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice. This includes details about:
- Who they are
- The data they hold and how they use it
- Their role as fraud prevention agencies
- How they share personal information
- How long they can keep data
- Your data protection rights.
Here are the three main Credit Reference Agencies:
- TransUnion (Previously Callcredit)
We will use your email address to send you newsworthy topical items, occasional newsletters and relevant offers from third party providers that we feel may be of interest to you. Please note that you can unsubscribe at any time by hitting the ‘unsuscribe’ button at the bottom of any email from us. By downloading any free brochure/PDF/document from this site you are not bound, obliged and it is not conditional that you receive further and/or additional email correspondence from us.
While there are no definitive statutory retention periods legislation states that a business should keep information for “no longer than is necessary”. However please note that there is no minimum or maximum time stipulated for email retention. Personal data can be retained in a form that allows an individual to be identified for no longer than necessary to achieve the purpose for which personal data were collected or processed (Article 5(e). Data erasure is a personal right protected under the GDPR (Article 17).