Legal

Privacy Policy

Privacy Notice

Liberty Funding (“we”, “us” or “our”) is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Notice explains what personal information we collect, how we use it, who we may share it with and your rights under applicable UK data protection legislation, including the UK General Data Protection Regulation (“UK GDPR”) and the Data Protection Act 2018.

This Privacy Notice applies to individuals who contact us, engage with us or use our services, including prospective and existing clients, borrowers, property owners, purchasers, vendors, introducers, counterparties, professional advisers and visitors to our website.

Who We Are

Liberty Funding is a London based commercial finance and private client advisory business working with UK and international clients, property investors, developers, business owners, high net worth and ultra high net worth individuals, family offices and their professional advisers.

Our work may include:

  • Commercial and investment property finance
  • Bridging and development finance
  • Refinancing and structured finance
  • Specialist and asset backed lending
  • Introductions to banks, specialist lenders, private lenders, family offices and other capital providers
  • Property acquisition and sourcing across the UK and selected international markets
  • Discreet property sales through established estate agency, private office and professional relationships
  • Strategic advice, negotiation and transaction management for complex real estate matters
  • Private client advisory services and selected high value asset related introductions
  • Introductions to solicitors, accountants, tax advisers, valuers, surveyors, estate agents and other professional advisers

The nature of our involvement will depend upon the particular client, transaction or engagement.

Information We Collect

Depending upon the nature of your enquiry or engagement, we may collect:

Identity Information

  • Full name
  • Date of birth, where required
  • Nationality or country of residence, where relevant
  • Company and business details
  • Position held
  • Ownership and beneficial ownership information

Contact Information

  • Email address
  • Telephone numbers
  • Postal address

Financial Information

Where relevant to an enquiry, transaction or engagement, this may include:

  • Income information
  • Asset and liability information
  • Property and investment portfolios
  • Existing borrowing and financial commitments
  • Credit information
  • Banking information
  • Source of funds
  • Source of wealth
  • Financial statements and accounts
  • Details of proposed acquisitions, disposals, refinancing or other funding requirements

Property and Asset Information

Where relevant, this may include:

  • Property addresses
  • Valuations
  • Title information
  • Planning documentation
  • Development information
  • Tenancy and rental information
  • Purchase and sale information
  • Existing finance and security
  • Ownership, registration, insurance and valuation information relating to relevant specialist assets

Transaction and Professional Information

We may collect information relating to:

  • Proposed or existing transactions
  • Companies, trusts, partnerships, SPVs and other ownership structures
  • Professional advisers
  • Lenders, investors and counterparties
  • Existing security, defaults, arrears or other matters relevant to a funding application
  • Legal proceedings, insolvency matters or disputes where relevant to a proposed transaction
  • Due diligence and supporting documentation
  • Correspondence and communications relating to an engagement or transaction

Identification Documents

Where appropriate for client due diligence, anti money laundering, sanctions, fraud prevention or other compliance purposes, we may request:

  • Passport
  • Driving licence
  • Proof of address
  • Corporate documentation
  • Ownership and beneficial ownership information
  • Trust or partnership documentation
  • Source of funds and source of wealth evidence

We may also undertake electronic identity verification, sanctions, politically exposed person and adverse media screening through appropriate third party providers.

How We Use Your Information

We may process your personal information to:

  • Respond to enquiries
  • Consider whether we are able to accept a proposed engagement
  • Provide our services
  • Assess financing requirements, property transactions and other opportunities
  • Identify and introduce appropriate banks, lenders, investors, family offices, capital providers, counterparties or professional advisers
  • Structure, present and progress funding applications and transactions
  • Assist with property acquisition, sourcing, disposal and transaction management
  • Undertake client due diligence
  • Verify identity, ownership, source of funds or source of wealth where appropriate
  • Conduct appropriate anti money laundering, sanctions, politically exposed person, adverse media and other compliance checks
  • Communicate with clients, prospective clients, introducers, counterparties and professional advisers
  • Administer and progress transactions and engagements
  • Maintain appropriate business and transaction records
  • Manage our professional and commercial relationships
  • Establish, exercise or defend legal rights
  • Prevent fraud, misuse or unlawful activity
  • Comply with applicable legal and regulatory requirements

Lawful Basis for Processing

Depending upon the circumstances, we process personal information because:

  • It is necessary to take steps before entering into a contract with you
  • It is necessary for the performance of a contract or engagement
  • It is necessary for our legitimate business interests, provided those interests are not overridden by your rights and interests
  • We are required to comply with a legal obligation
  • It is necessary for the establishment, exercise or defence of legal claims
  • You have provided your consent where consent is required

Who We May Share Information With

Where appropriate and necessary in connection with an enquiry, transaction or engagement, information may be shared with:

  • Banks and private banks
  • Specialist and commercial lenders
  • Private lenders
  • Family offices
  • Private and professional investors
  • Investment and capital providers
  • Borrowers, purchasers, vendors and other transaction counterparties
  • Estate agents, buying agents and property professionals
  • Solicitors
  • Barristers
  • Valuers
  • Surveyors
  • Accountants and tax advisers
  • Planning and development professionals
  • Insurance providers and brokers
  • Compliance providers
  • Identity verification and due diligence providers
  • Corporate service providers
  • Other professional advisers and service providers involved in a transaction or engagement

Information will only be shared where we consider it appropriate and necessary in connection with our services, a proposed or existing transaction or engagement, our legitimate business interests, or where disclosure is required by law.

We do not sell personal information to third parties.

Introducers

Where you are introduced to Liberty Funding by a professional introducer or other intermediary, we may receive personal and transaction information from that party. We may also share information with the introducer where reasonably necessary to administer the introduction, progress the engagement or account for any agreed introducer arrangement, subject to confidentiality and applicable data protection requirements.

International Transfers

The nature of our UK and international work means that clients, counterparties, professional advisers, assets or transactions may from time to time be located outside the United Kingdom. Where personal information is transferred outside the United Kingdom, we will take appropriate steps to ensure that the transfer is made in accordance with applicable UK data protection legislation.

Confidentiality

Many of the matters with which we are involved are private, confidential or commercially sensitive. We treat client and transaction information confidentially and disclose it only where reasonably necessary in connection with an engagement or transaction, with appropriate authority, or where legally required to do so.

Where applicable, our services may also be provided in conjunction with a separate Mutual Non Disclosure Agreement.

Data Security

We maintain appropriate technical and organisational measures designed to safeguard personal information against unauthorised access, disclosure, alteration, loss or destruction. Access to personal information is restricted to those who reasonably require it in connection with our business and the provision of our services.

Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including satisfying applicable legal, compliance, accounting and reporting requirements and protecting our legitimate interests. Retention periods may vary depending upon the nature of the relationship, engagement, transaction or information concerned.

Your Rights

Subject to applicable law, you may have the right to:

  • Request access to your personal information
  • Request correction of inaccurate or incomplete information
  • Request deletion of personal information where appropriate
  • Request restriction of processing
  • Object to processing in certain circumstances
  • Request transfer of your information where applicable
  • Withdraw consent where processing is based upon consent

Certain rights are subject to legal limitations and may not apply in all circumstances.

Third Party Information

If you provide us with personal information relating to another individual, you should ensure that you have the necessary authority or other lawful basis to provide that information to us.

External Websites

Our website may contain links to third party websites. We are not responsible for the privacy practices, security or content of external websites.

Changes to this Privacy Notice

We may update this Privacy Notice from time to time to reflect changes to our business, services or legal obligations. Any revised version will be published on our website together with the effective date.

Contact Us

If you have any questions regarding this Privacy Notice, wish to exercise your data protection rights or have any questions about how we process your personal information, please contact:

Name: Liberty Funding
Address: 11 Old Bond Street, Mayfair, London, W1S 4PN
Email: enquiry@libertyfunding.co.uk
Telephone: +44 07368 360 216
Website: www.libertyfunding.co.uk

Complaints

If you are dissatisfied with how we have handled your personal information, please contact us in the first instance so that we have the opportunity to address your concerns. You also have the right to lodge a complaint with the Information Commissioner’s Office (“ICO”).

Website: www.ico.org.uk
Telephone: 0303 123 1113