Privacy Policy

1. Who We Are

London Development Finance is a trading name of Construction Capital Limited (“we”, “us”, “our”), a company registered in England and Wales. We operate as a specialist development finance brokerage, connecting property developers across London with appropriate lending institutions and funding partners. We are the data controller responsible for your personal data collected through this website and our related business activities.

Our registered address is available upon request. For all data protection enquiries, you may contact us by email at info@londondevelopmentfinance.co.uk or by using the contact details provided at the end of this policy.

2. What Data We Collect

We collect and process the following categories of personal data in the course of providing our development finance brokerage services and operating this website:

2.1 Information You Provide Directly

• Identity data: your full name, job title, and company name when you submit an enquiry or contact form on our website.
• Contact data: your email address, telephone number, and postal address as provided through our enquiry forms, email correspondence, or telephone conversations.
• Project data: information about your property development project, including the location (London borough), scheme type, loan amount sought, development stage, and any additional details you provide about your project in the message field of our forms or in subsequent communications.
• Financial data: information about your financial position, development experience, and funding requirements as provided during the brokerage process. This may include details of existing assets, liabilities, development track record, and company accounts shared for the purpose of securing development finance.
• Communication data: records of correspondence between you and our team, including emails, notes from telephone calls, and any documents exchanged during the course of our engagement.

2.2 Information We Collect Automatically

• Technical data: your internet protocol (IP) address, browser type and version, operating system, time zone setting, and device information, collected automatically when you visit our website.
• Usage data: information about how you use our website, including pages visited, time spent on pages, navigation paths, and interactions with calculators, forms, and other interactive elements.
• Cookie data: information collected through cookies and similar tracking technologies as described in the Cookies section of this policy.

2.3 Information From Third Parties

We may receive personal data about you from third parties including introducers, professional advisers (solicitors, accountants, architects), lending partners who have received your application through us, credit reference agencies (where you have provided consent), and publicly available sources such as Companies House and the Land Registry. We may also receive referral information when you have been introduced to us by a broker, solicitor, or existing client.

3. How We Use Your Data

We use your personal data for the following purposes:

• Providing our brokerage services: to assess your development finance requirements, source appropriate funding options from our panel of lenders, prepare and submit applications on your behalf, and manage the transaction through to completion.
• Responding to enquiries: to respond to contact form submissions, email enquiries, and telephone calls, and to provide you with the information or quotes you have requested.
• Client relationship management: to manage our ongoing relationship with you, including follow-up communications about your project, notification of relevant funding opportunities, and post-completion review.
• Marketing communications: to send you relevant market insights, industry updates, and information about our services where you have consented to receive such communications or where we have a legitimate interest in doing so as an existing client or contact.
• Website improvement: to analyse how visitors use our website, improve our content and user experience, and ensure the website functions correctly across different devices and browsers.
• Legal and regulatory compliance: to comply with our legal obligations, including anti-money laundering (AML) checks, record-keeping requirements, and responding to lawful requests from regulatory authorities.
• Business administration: to manage our internal business operations, including accounting, audit, insurance, and professional advisory services.

4. Legal Basis for Processing

Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, we must have a lawful basis for processing your personal data. We rely on the following legal bases:

• Contract: processing is necessary for the performance of a contract with you, or to take steps at your request before entering into a contract. This applies when you instruct us to source development finance on your behalf.
• Legitimate interests: processing is necessary for our legitimate interests or those of a third party, provided your interests and fundamental rights do not override those interests. Our legitimate interests include operating and improving our business, marketing our services to existing and prospective clients, and maintaining our professional relationships. We conduct a balancing test to ensure our interests do not unduly impact your rights.
• Consent: where you have given clear consent for us to process your personal data for a specific purpose, such as subscribing to our newsletter or opting in to marketing communications. You may withdraw your consent at any time by contacting us or using the unsubscribe mechanism provided in our communications.
• Legal obligation: processing is necessary to comply with a legal obligation to which we are subject, including anti-money laundering regulations and tax reporting requirements.

5. Data Retention

We retain your personal data only for as long as is necessary for the purposes for which it was collected and processed. Our specific retention periods are as follows:

• Enquiry data: if your enquiry does not progress to an active instruction, we retain your contact details and project information for up to 24 months from your last interaction with us, after which it is securely deleted.
• Client transaction data: for completed transactions, we retain full records for 6 years from the date of completion in accordance with our legal and regulatory obligations, including anti-money laundering record-keeping requirements.
• Marketing data: we retain your details on our marketing list until you unsubscribe or request removal, or for 3 years from your last meaningful interaction with our marketing communications, whichever is sooner.
• Website analytics data: anonymised usage data is retained for up to 26 months in accordance with our analytics provider’s data retention settings.

When personal data is no longer required, it is securely deleted or anonymised so that it can no longer be associated with you.

6. Your Rights

Under the UK GDPR, you have the following rights in relation to your personal data:

• Right of access: you have the right to request a copy of the personal data we hold about you. We will respond to your request within one month and provide the information free of charge in most circumstances.
• Right to rectification: you have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
• Right to erasure: you have the right to request that we delete your personal data in certain circumstances, such as when the data is no longer necessary for the purpose for which it was collected, or when you withdraw your consent. Please note that we may be required to retain certain data to comply with legal obligations.
• Right to restrict processing: you have the right to request that we restrict the processing of your personal data in certain circumstances, such as when you contest the accuracy of the data or object to our processing.
• Right to data portability: you have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to request that we transmit this data to another controller where technically feasible.
• Right to object: you have the right to object to our processing of your personal data where we rely on legitimate interests as our legal basis. You also have an absolute right to object to processing for direct marketing purposes at any time.
• Rights related to automated decision-making: you have the right not to be subject to decisions based solely on automated processing, including profiling, which produce legal effects or similarly significant effects on you. We do not currently use automated decision-making processes.

To exercise any of these rights, please contact us using the details provided at the end of this policy. We will respond to your request within one month. If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK’s supervisory authority for data protection.

Information Commissioner’s Office:
Website: ico.org.uk
Telephone: 0303 123 1113

7. Cookies

Our website uses cookies and similar tracking technologies to distinguish you from other users, provide a better browsing experience, and analyse how our website is used. Cookies are small text files that are placed on your device when you visit our website.

7.1 Types of Cookies We Use

• Strictly necessary cookies: these cookies are essential for the website to function correctly. They enable basic features such as page navigation, form submission, and secure access. These cookies do not collect personal data and cannot be disabled.
• Analytics cookies: we use analytics cookies (such as Google Analytics) to understand how visitors use our website, including which pages are most popular, how long visitors spend on each page, and how they navigate through the site. This data is aggregated and anonymised. These cookies help us improve our website and content.
• Functional cookies: these cookies remember your preferences and choices (such as calculator inputs or form selections) to provide a more personalised experience. They do not track your browsing activity on other websites.
• Marketing cookies: we may use marketing cookies to deliver relevant advertisements and to measure the effectiveness of our advertising campaigns. These cookies may track your browsing activity across other websites. We will only set marketing cookies with your explicit consent.

7.2 Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Please note that disabling cookies may affect the functionality of our website. For more information about cookies and how to manage them, visit www.allaboutcookies.org.

8. Third Parties

We may share your personal data with the following categories of third parties in the course of providing our services:

• Lending partners: we share your project details and personal information with prospective lenders and funding partners as part of the development finance brokerage process. This sharing is necessary to source and secure funding for your project and is done only with your knowledge and on the basis of our contractual relationship.
• Professional advisers: we may share information with solicitors, valuers, quantity surveyors, and other professional advisers involved in the transaction process, where necessary to progress your funding application.
• Technology providers: we use third-party service providers for website hosting, email services, customer relationship management (CRM), and analytics. These providers process data on our behalf under contractual data processing agreements that ensure they handle your data securely and only in accordance with our instructions.
• Regulatory and legal authorities: we may be required to disclose your personal data to regulatory bodies, law enforcement agencies, or courts in response to lawful requests or legal obligations.

We do not sell your personal data to third parties. We do not share your data with third parties for their own marketing purposes without your explicit consent.

9. Data Security

We take the security of your personal data seriously and have implemented appropriate technical and organisational measures to protect it against unauthorised access, loss, destruction, or alteration. These measures include encrypted data transmission (SSL/TLS) across our website, secure storage of electronic records, access controls limiting data access to authorised personnel only, regular security assessments and updates, and secure disposal of data that is no longer required. While we take all reasonable steps to protect your data, please be aware that no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. International Transfers

Your personal data is primarily stored and processed within the United Kingdom. Where we use third-party service providers who may process data outside the UK, we ensure that appropriate safeguards are in place, such as standard contractual clauses approved by the Information Commissioner’s Office, or adequacy decisions recognising the data protection standards of the receiving country.

11. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. Any material changes will be posted on this page with an updated “last updated” date. We encourage you to review this policy periodically to stay informed about how we protect your data. Where changes are significant, we may also notify you directly by email where we hold your contact details.

12. Contact Details

If you have any questions about this privacy policy, wish to exercise your data protection rights, or have concerns about how we handle your personal data, please contact us using the following details: