BIG Property Finance Privacy Policy

This privacy notice relates to BIG Finance Limited, The Colt Suite, Edgbaston Golf Club,
Church Road, Edgbaston, B15 3TB and explains how we collect, use, store and protect your
personal data.

1. Data Protection
Our special appointed Head of Data Protection responsible for overseeing questions in
relation to this Privacy Policy is.
Mark Bond
Managing Director
Markbond@bigpropertyfinance.co.uk

2. Website and Cookies
We use a third-party provider, Google Analytics, to collect standard internet log information
and details of visitor behaviour patterns. This helps us understand metrics such as the
number of visitors, pages visited, and time spent on pages so we can improve our services.
Although we may know the number of unique visitors based on IP address, we do not
usually attempt to identify individuals and do not allow Google Analytics to do so, except in
cases of suspected malicious or unlawful activity.
We also use third-party services to maintain the security and performance of our website,
which may process visitor IP addresses.

3. Collecting Data – When You Make Contact
By phone
We may use caller identification and keep short-term records of calls. Calls may be recorded
for training and monitoring purposes.
By email
Unencrypted emails may not be secure. We process email data for legitimate and legal
purposes. Some emails may be encrypted for security.
Online, post, or applications
Applications or enquiries may include personal data about applicants and other related
parties.

4. Providing Information About Others
If you provide personal data about others, you confirm that you have their permission and
have made them aware of this privacy notice.

5. Information from Other Sources
We may obtain information from:
 Credit reference agencies
 Public sources (e.g. Land Registry)
 Social media and search engines
This is only done where relevant to lending, employment, or business relationships.

6. Sensitive Data
We may process sensitive data (e.g. health information) where necessary to support your
circumstances or protect our legal position.

7. Basis of Processing and Data Sharing
Legitimate Interests
We process data to:
 Assess and manage loans
 Manage relationships with brokers, funders, and partners
 Conduct fraud prevention and credit checks
 Maintain business operations and relationships
Legal Obligations
We process data to:
 Comply with legal and regulatory requirements
 Meet anti-money laundering obligations
 Share information with authorities where required
Consent (Marketing)
We may use your data to send marketing communications where consent has been given.

8. International Data Transfers
We may transfer personal data outside the UK and/or EEA.
Where this occurs, we ensure safeguards are in place such as:
 Standard contractual clauses
 International data transfer agreements
 Transfers to approved countries with adequate protection

9. Data Retention
We retain personal data only as long as necessary:
 Loans: up to 6 years after redemption (longer if required legally)
 Enquiries: up to 1 year (longer for fraud/AML compliance)
 Intermediaries, funders, advisers: up to 6 years
Marketing data is retained until consent is withdrawn.

10. Credit and Fraud Checks
We use Credit Reference Agencies (CRAs):
 Callcredit
 Equifax
 Experian
These agencies have their own privacy policies.

11. Where We Store Your Data
Data is primarily stored within the EEA. Where data is transferred outside, appropriate
safeguards are applied.

12. Your Rights
Under UK data protection law, you have the right to:
 Access your personal data
 Rectify inaccurate data
 Request erasure where appropriate
 Restrict processing
 Data portability
 Object to processing
Requests can be made by contacting us.

13. Automated Decision Making and Profiling
We may use automated systems to support processes such as:
 Risk assessment
 Fraud prevention
 Affordability checks

These systems generate indicators or recommendations, but no decisions with legal or
significant effects are made solely by automated means. All decisions involve human
review.

14. Complaints
You have the right to complain to B.I.G Finance Ltd directly and you have the right to
complain directly to the Information Commissioner’s Office (ICO).

15. Provision of Personal Data
Providing personal data is primarily contractual and sometimes legally required.
If you do not provide data:
 We may be unable to offer services
 Applications may be delayed or declined
Providing data for marketing is optional and can be withdrawn at any time.

16. Contact Details
Email: info@bigpropertyfinance.co.uk
Post: BIG Finance Limited, The Colt Suite, Edgbaston Golf Club, Church Road, Edgbaston,
B15 3TB
Phone: 0121 348 7840

17. Changes to this Privacy Notice
We may update this policy from time to time.