Last updated: September 2025
1. General Information
The information provided on this website (the “Site”) is for general informational purposes only. Whilst Sutterson Reed Ltd (“we”, “us”, “our”) endeavours to ensure accuracy and reliability, no warranty, representation, or guarantee is given as to its completeness, timeliness, or suitability.
Nothing on this Site constitutes financial, investment, legal, or tax advice. Visitors should not rely on the content of this Site as a substitute for professional advice tailored to their individual circumstances.
2. No Offer or Solicitation
The content of this Site does not constitute, and shall not be construed as:
- An offer to the public of financial services
- An invitation to invest
- A recommendation to enter into any transaction
All lending is provided on a private, discretionary basis and subject to eligibility, due diligence, and the execution of formal contractual documentation.
3. Non-Bank Status
Sutterson Reed Ltd operates as a Private Office and non-bank lender. We do not accept deposits, do not provide retail banking services, and do not offer regulated investment advice. Lending facilities may be withdrawn at any stage prior to formal completion.
4. Unregulated Activities
Certain activities carried out by Sutterson Reed Ltd are not regulated by the Financial Conduct Authority (FCA) or any other regulatory body in the United Kingdom. As such, transactions and services may not be subject to the same statutory protections that apply to regulated financial services, including access to the Financial Ombudsman Service or the Financial Services Compensation Scheme. Clients engaging with us acknowledge and accept this position.
5. Confidentiality
We treat all communications with the utmost discretion and confidentiality. However, transmission of information via the internet is not entirely secure. Whilst we take appropriate steps to protect personal data, we cannot guarantee the security of any information transmitted to us electronically.
6. Limitation of Liability
To the maximum extent permitted by law, Sutterson Reed Ltd shall not be liable for any direct, indirect, or consequential loss or damage arising from:
- Reliance upon the content of this Site
- Inability to access or use this Site
- Third-party links, resources, or services accessed through this Site
7. External Links
This Site may contain links to third-party websites. These links are provided for convenience only. We do not control, endorse, or accept responsibility for the content or security of any external websites.
8. Governing Law
This Disclaimer shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or related to this Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.
9. Contact
For any questions regarding this Disclaimer, please contact:
Compliance Department
Sutterson Reed Ltd
3rd Floor
45 Albemarle Street
Mayfair
London W1S 4JL
Email: compliance@suttersonreed.co.uk
Last updated: September 2025
1. Introduction
Sutterson Reed Ltd (“we”, “us”, “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you engage with us, whether through our website, by email, telephone, or in person.
We operate as a Private Office and non-bank lender, providing short-term lending facilities including bridging, commercial, and development finance. We are not a deposit-taking institution, nor do we provide regulated investment advice.
By using our services or accessing our website, you agree to the terms of this Privacy Policy.
2. Data We Collect
We may collect and process the following categories of information:
- Personal identification details: name, title, date of birth, and contact details (email address, telephone number, postal address).
- Business and financial information: company details, financial records, property information, and related documentation required for lending or structuring purposes.
- Compliance information: documents and data required to conduct Anti-Money Laundering (AML), Know Your Client (KYC), and due diligence checks.
- Technical information: IP address, browser type, device information, and cookies when you visit our website.
- Communications: records of correspondence, calls, and meetings.
3. How We Use Your Data
Your personal data may be used for the following purposes:
- To assess enquiries and applications.
- To verify identity and conduct AML and KYC checks.
- To structure, arrange, and complete lending transactions.
- To communicate with you and provide updates.
- To comply with legal, tax, and regulatory obligations.
- To improve our services, systems, and internal operations.
We only process your personal data where there is a lawful basis to do so, including legitimate interests, contractual necessity, legal obligations, and, where required, your consent.
4. Data Sharing
We may share your personal data with:
- Professional advisers such as lawyers, accountants, and valuers for transaction-related purposes.
- Third-party service providers such as CRM systems, cloud storage, and communication platforms, under strict confidentiality agreements.
- Regulatory and government authorities where disclosure is required by law or regulation.
- Business partners and lenders where necessary to facilitate a transaction.
- We will never sell your data to third parties.
5. International Transfers
In some cases, your personal data may be transferred outside the United Kingdom. Where this occurs, we will ensure that appropriate safeguards are in place, such as standard contractual clauses or equivalent protection measures.
6. Data Retention
We retain personal data only for as long as necessary:
- Client-related information is retained for the duration of the business relationship and for at least six years thereafter, in compliance with legal and regulatory requirements.
- Non-client enquiry data is deleted within twelve months if no formal engagement occurs.
7. Data Security
We implement appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure, or destruction. Access to client information is restricted to authorised personnel only.
8. Your Rights
Under UK GDPR, you have the following rights:
- To access your personal data.
- To request correction of inaccurate or incomplete data.
- To request deletion of your data where it is no longer required.
- To restrict or object to processing in certain circumstances.
- To request data portability.
- To withdraw consent where consent is the legal basis for processing.
- To lodge a complaint with the Information Commissioner’s Office (ICO) if you believe your rights have been infringed.
To exercise these rights, please contact us at compliance@suttersonreed.co.uk.
9. Cookies
Our website may use cookies to enhance user experience, track website usage, and support website functionality. You may disable cookies through your browser settings, although this may affect site performance.
10. Changes to this Policy
We may update this Privacy Policy from time to time. Any updates will be posted on this page with the revised date indicated. You are encouraged to review this policy periodically.
11. Contact Us
For any questions, concerns, or requests regarding this Privacy Policy, please contact:
Compliance Department
Sutterson Reed Ltd
3rd Floor
45 Albemarle Street
Mayfair
London W1S 4JL
Email: compliance@suttersonreed.co.uk
Last updated: September 2025
1. Introduction
These Terms of Service (“Terms”) govern your use of the website operated by Sutterson Reed Ltd (“we”, “us”, “our”), as well as your interaction with our services. By accessing or using our website, you agree to comply with these Terms. If you do not agree, you must not use our Site or services.
Sutterson Reed Ltd is a Private Office and non-bank lender, specialising in short-term lending facilities including bridging, commercial, and development finance. We are not a deposit-taking institution, nor do we provide regulated investment advice.
2. Eligibility
Our services are available only to:
- Businesses, companies, trusts, and high-net-worth individuals
- Persons or entities acting in a professional, commercial, or business capacity
- Non-retail clients who understand and accept that our activities may be outside the scope of FCA regulation
We do not provide services to retail clients as defined under the Financial Services and Markets Act 2000 (FSMA).
3. Use of the Site
You agree to use this Site only for lawful purposes. You must not:
- Attempt unauthorised access to our systems or data
- Transmit viruses, malware, or harmful code
- Use the Site to carry out unlawful or fraudulent activity
We may restrict or terminate your access to the Site at any time without notice if we reasonably believe you have breached these Terms.
4. No Client Relationship
Visiting our Site, making an enquiry, or communicating with us does not establish a client relationship. A binding relationship arises only upon execution of formal contractual documentation with Sutterson Reed Ltd.
5. Nature of Services
- All lending and financial arrangements are conducted on a private, discretionary basis and subject to due diligence.
- Sutterson Reed Ltd does not guarantee the availability of finance until formal documentation is executed.
- Indicative terms are provided strictly without obligation and may be amended or withdrawn at any time.
6. Unregulated Activities
Certain services provided by Sutterson Reed Ltd are not regulated by the Financial Conduct Authority (FCA) or any other regulatory body in the United Kingdom. Accordingly:
- Transactions may not benefit from protections available to regulated activities.
- Clients may not have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme.
- By engaging with us, you acknowledge and accept these limitations.
7. Confidentiality
We treat all communications and information received in strict confidence. However, transmission of data via the internet is not fully secure. Whilst we take appropriate steps to safeguard information, we cannot guarantee its security.
8. Intellectual Property
All content on this Site, including text, images, branding, and layout, is the property of Sutterson Reed Ltd or its licensors. You may not reproduce, distribute, or exploit such materials without our prior written consent.
9. Limitation of Liability
To the fullest extent permitted by law:
- We accept no liability for reliance placed on information contained on this Site.
- We exclude liability for any direct, indirect, incidental, or consequential damages arising from your use of this Site or services.
- Nothing in these Terms limits liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded under law.
10. Third-Party Links
This Site may include links to external websites. We do not control, endorse, or accept responsibility for the content, security, or privacy practices of third-party sites.
11. Data Protection
Your use of our Site and services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal data in line with UK GDPR.
12. Termination
We reserve the right to suspend or terminate access to our Site or services at our discretion, without liability, if we reasonably consider that you have breached these Terms or engaged in unlawful activity.
13. Amendments
We may amend these Terms at any time. Changes will be posted on this page with the revised date. You are advised to review them regularly as continued use of the Site constitutes acceptance of any amendments.
14. Governing Law
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
15. Contact
For questions or concerns regarding these Terms, please contact:
Compliance Department
Sutterson Reed Ltd
3rd Floor
45 Albemarle Street
Mayfair
London W1S 4JL
Email: compliance@suttersonreed.co.uk