REGAL BRIDGES PRIVACY POLICY | First Published 13 January 2018 | Last Updated 1 December 2021
‘Regal’, ‘we’, ‘us’ or ‘our’ refers to:
For operations primarily located in United Kingdom, Wales and Ireland:
Regal Bridges Limited – Company Number 11130756

For operations primarily located in Hong Kong or China:
Regal Bridges Limited – Business Registration Number 2280323

For operations primarily located in Australia:
Regal Bridges Pty Ltd – Australian Company Number 615 989 494

About Regal Bridges
You deserve to have your personal and corporate information protected, which is why we have this Privacy Policy – a document that outlines exactly how we collect, store and use the personal and corporate information along with the credit information that you give us.

Protecting your privacy involves more than just our own approach. Regal works with a carefully selected group of third parties including service providers, alliance partners, facility aggregators, brokers, funders, retailers, bankers, traders, government organisations, technology and data companies to name a few. All of them help us deliver the services we give to you – but because our work with them can involve us sharing your personal and corporate information with them, this policy is also about how and when we share that information.

By interacting with us you consent to the collection, holding, use and disclosure of your personal and corporate information in the ways we have referred to in this Privacy Policy.

Our Commitment
We collect your personal and corporate information and potentially credit information so we can offer you the best possible facilitation and strategy experience.

We know it’s important that we handle your details carefully, responsibly and securely. You’ve entrusted us with your personal and corporate information, and we’ll do everything we can to justify that trust.

Wherever we operate in the world, we consider it of utmost importance to uphold and adhere to local laws along with any applicable international laws, legislation and obligations.

Regal, along with its partners and associates are bound by government legislation like the Privacy Act (including the Australian Privacy Principles, Credit Reporting and mandatory data breach notification) and the Privacy (Credit Reporting) Code, which lay out how we should treat your personal information when operating in Australia. The Data Protection Act 1998 applies to our operations in the United Kingdom and The Personal Data (Privacy) Ordinance (Cap. 486) applies to our operations in Hong Kong.

Regal also abides by the Asia-Pacific Economic Cooperation (APEC) Cross Border Privacy Rules (CBPR) which outlines important steps and principles to protect your privacy when information is shared between our operations, partners and associates in Australia, Hong Kong, New Zealand and the United States of America.

We must also fulfil our legal obligations to Australian and overseas enforcement bodies including Australian Transaction Reports and Analysis Centre (AUSTRAC).

The Information we Collect and Hold from You or Your Entity
Most of the personal and corporate information we collect will be directly from you. This could include things like:
• full name and contact details
• information that can identify you, including date of birth, driver’s licence number, tax file number, passport details and residency status
• financial information
•corporate details including registration date, identities of directors, managers, board members and shareholders

Sometimes we might collect information about you that’s publicly available – for example, from things like social media or public registers e.g. Australian Securities and Investments Commission (ASIC), Australian Business Register (ABR), Companies House Registers, the Government of Hong Kong Special Administrative Region Companies Register and other such registers held by government organisations being applicable and publicly accessible worldwide.

We’ll only collect information in this way, if it is impractical to collect it directly from you, or when we’re permitted to do so.

Sensitive Information
With your permission, sometimes we might collect sensitive personal information including nationality, passport details, other identification details, information in relation to personal reputation or other such items and information as required for the purposes of facilitation, strategising and assisting in the delivery of your personal or corporate goals, this information is handled with the upmost confidentiality and care. The provision of this information is strictly limited to those requiring the information for a specific purpose and will not be shared with any third parties without need for the information at any time.

When we get Information we didn’t ask for
Sometimes we get given personal information that we haven’t asked for. If we think this information is needed, we’ll keep it securely, just like the rest of your details. Otherwise, we’ll destroy or de-identify it.

How we use your personal or Corporate Information
Generally, we’ll use your personal or corporate information to provide you or your entity with facilitation, strategy and other services, along with improving the services you get.

Here are some of the specific things we use and share your personal information for:
• verifying your identity
• assessing requests for services
• delivering our services
• assisting with meeting your facilitation and strategising requirements
• internal operations, such as record keeping, auditing or training
• customer relations including managing our relationship with you, your entity or partners and associates
• supporting financial activities, like securitisation
• complying with our legal and regulatory requirements
• to prevent or detect money laundering and terrorist financing
• for any purpose where you have given consent

Under various legislative provisions worldwide including the Anti-Money Laundering and Counter-Terrorism Financing Act, the Patriot Act, the Anti Money Laundering Directive and others, Regal is obligated to collect your information and verify your identity from particular documents (e.g. passport, driver’s licence, birth certificate). This process is commonly referred to as Know Your Customer or KYC and is required by law.

Sharing your Personal Information
There are some situations in which we’ll share your information with another organisation or person.
Rest assured we only share information with third parties that we believe have the proper systems in place to look after your personal information.

Here are some of the kinds of organisations we might share your personal information with:
• external and internal advisers and associates such as valuers, lawyers, traders, banks and auditors
• government and regulatory bodies, as required by law
• external complaint resolution bodies
• any person or body in connection with facility arrangements
• credit reporting bodies
• law enforcement agencies
• credit providers
• your authorised representatives or advisers
• people acting on your behalf, such as brokers, advisers, parents, guardians, trustees or people
holding power of attorney
• guarantors, including prospective guarantors if required by respective facilities


Keeping Your Information Safe
Whenever we store your personal or corporate information – whether on paper or electronically, we always take proper steps to protect it, as laid out in Australia’s privacy legislation or associated and respective legislation in other jursidictions. When we don’t need your information any more, we’ll destroy, delete or de-identify it.

We do our best to keep you and your information safe, but you should know that there’s always a risk of that information being compromised, however small.

Always make sure to keep your personal and corporate information safe and educate yourself on the best ways to safeguard your information, e.g. protecting your details by avoiding sharing passwords and PINs.

Keeping your information safe is vital – which is why we get you to verify your identity before you can access or change the personal details we have for you.

Accessing your information
You can access the personal and credit information that we hold about you by calling or writing to us. We’ll do our best to respond within 14 days; if it’s going to take longer, we’ll get in touch to let you know why and ask for more time.

There are some situations where we might refuse or limit your access to information, such as when the information is commercially sensitive. If that happens, we’ll write to you and let you know why.

Access, update, or correct your personal information
We do our best to keep your personal and corporate information accurate and up-to-date. If any of your details change, such as your name, address or phone number – let us know and we’ll update them.

Correcting your information
If you need to correct the personal or corporate information we hold about you, please contact us.

Resolving your privacy issues or disputes
If you ever have an issue or disputes in regard to your privacy or the way we’re using your information, let us know. We’ll do our best to resolve it as quickly as we can, generally we’ll try to fix the problem within 5 business days.

If it’s not possible to resolve the issue or dispute in this manner, refer to the dispute resolution clauses within Regal’s Services Agreement.

United Kingdom: Regal Bridges Limited. Company Number: 11130756
Hong Kong: Regal Bridges Limited. Business Registration Number: 2280323
Australia: Regal Bridges Pty Ltd. Australian Company Number: 615 989 494