PRIVACY POLICY

PRIVACY POLICY

Only Bridging Privacy and Cookie Policies

Who are we?
This website is owned and operated by Only Bridging & Loans Ltd T/A Only Bridging (Companies House Number: 05038750), whose registered office is 1 Nelson Street, Southend On Sea, Essex, SS1 1EG.

Who regulates us?
Only Bridging is a credit broker authorised and regulated by the Financial Conduct Authority. You can find our details on the FCA Financial Services Register at https://register.fca.org.uk. Our FCA Registration Number is 709671.

We are also registered with the Information Commissioner’s Office as a Data Controller. Our Data Protection Register number is Z9518230.

Why do we need your data?
We will hold and process your data in order to assist you with obtaining a loan of any type. If you do not provide the information we request, we may be unable to assist you in obtaining the right finance option. We will only collect the data we need.

What right do we have to process your data?
As we are regulated by the FCA, we are accountable for the products and services we provide. We are obliged to maintain detailed records of transactions with customers and so we process your data on the basis of “processing is necessary for compliance with a legal obligation” as set out by the Information Commissioner’s Office (ICO www.ico.org.uk).

How we use your personal information?
All of the personal data we hold about you will be processed by our staff based in the United Kingdom. ‘Personal Data’ is data that identifies you as an individual. We are the “data controller” under the Data Protection Act 1998 in relation to the processing of your personal data in connection with this website and your loan enquiry. We will process your data in accordance with all the relevant data protection regulations including the Data Protection Act and the General Data Protection Regulations (GDPR)

We use your information to provide you with a quote, to process your application and for marketing in accordance with your preferences (see Marketing below). We will treat all your information as private and confidential (even when you are no longer a customer) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan.

Only Bridging act in a broking capacity; we are not a lender. Where necessary to process your application, your data will be shared with third parties such as the lender, your mortgage provider, joint applicants and credit reference agencies (see Credit Searches). Where your application has been introduced by a third party, (eg. a broker), we may disclose information about its progress to them.

Only Bridging also believe you should be fully informed about other organisations we may share your data with and be aware of how the may handle your information. We therefore list below all of the lenders we currently work with. If you wish to view their privacy policies, please follow the links below.

1st Stop Home Loans
https://www.1ststop.co.uk/homeloans/privacy-policy
Accord Mortgages
https://www.accordmortgages.com/privacy/index.html
Affirmative Finance Ltd
https://www.affirmativefinance.co.uk/privacy-notice-summary/
Aldermore Bank Plc
https://www.aldermore.co.uk/legal/privacy-policy/
Alternative Bridging Corporation Ltd
https://alternativebridging.co.uk/privacy-policy/
Amigo Loans Ltd
https://www.amigoloans.co.uk/loans/terms
HBB Bridging Ltd T/A Apex Bridging
http://www.apexbridging.co.uk/privacy-policy/
Ashley Finance Ltd & Ashley Business Finance Ltd
https://ashleyfinance.co.uk/legals/#privacypolicy
Bamboo Ltd T/A Bamboo Loans
https://www.bambooloans.com/s/how-we-use-your-information/
Barclays Bank Plc
https://www.barclays.co.uk/important-information/privacy-policy/
Hitachi Capital (UK) Ltd T/A besavvi
https://www.besavvi.co.uk/privacy-policy/
Bluestone Mortgages Ltd
https://www.bluestone.co.uk/bluestone/media/Bluestone/Download/Bluestone-Mortgages-Ltd-Privacy-Policy.pdf
BlueZest Mortgages and Loans Ltd
http://www.bluezest.com/privacy-security/
Bank of Scotland plc T/A BM Solutions
http://www.bmsolutions.co.uk/privacy/
Bridgefast Finance Ltd
http://www.bridgefastfinance.co.uk/terms-and-conditions.php
Castle Trust Capital plc T/A Castle Trust
http://www.bridgefastfinance.co.uk/terms-and-conditions.php
Central Trust Ltd
https://www.centraltrust.co.uk/legal-and-privacy-policy/
Coventry Building Society
https://www.coventrybuildingsociety.co.uk/content/cbs/consumer/en/help/privacy-policy.html
Eastern Credit
http://www.easterncredit.co.uk/
Equifinance Ltd
https://www.equifinance.co.uk/privacy-notice
Evolution Money Ltd
https://www.evolutionmoney.co.uk/legal/privacy-policy
National Counties Building Society T/A Family Building Society
https://familybuildingsociety.co.uk/About-us-home/Society/Cookie-and-privacy-policy.aspx
FinSec
http://www.finsec.co.uk/
Fleet Mortgages Ltd
https://www.fleetmortgages.co.uk/privacy/
Foundation Home Loans
https://www.foundationforintermediaries.co.uk/fair-processing-notice/
Funding 365
https://business.yell.com/websites-privacy-cookie-policy/
Funding Circle Ltd
https://www.fundingcircle.com/uk/legal/privacy-policy/
Funding Secure
https://www.fundingsecure.com/data-privacy-policy
Coventry Building Society T/A Godiva Mortgages
https://www.coventrybuildingsociety.co.uk/intermediaries/about-us/privacy-policy
Halifax Plc
http://www.halifax-intermediaries.co.uk/privacy/default.aspx
Hampshire Trust Bank
https://www.htb.co.uk/Portals/0/downloads/corporate/HTB-fair-processing-notice-for-customers-and-suppliers-06.04.2018.pdf
Hitachi Capital (UK) Consumer Finance
https://www.hitachicapital.co.uk/privacy-policy/
HSBC Bank plc
https://www.hsbc.co.uk/1/2/privacy-notice
Interbay Funding
https://www.interbay.co.uk/media/1235/245-interbay-mortgages-and-loans-privacy-policy-0518.pdf
Kent Reliance
http://www.kentreliance.co.uk/legal/privacy-policy
Kufflink Ltd
https://www.kuflink.co.uk/privacy-policy/
Leeds Building Society
http://www.leedsbuildingsociety.co.uk/security/use-of-personal-information/
Lendable Ltd
https://www.lendable.co.uk/privacy
Lendinvest Ltd
https://www.lendinvest.com/terms-and-conditions/privacy-policy/
Lendy Ltd
https://lendy.co.uk/privacy-policy
Lloyds Bank Plc
https://www.lloydsbank.com/privacy.asp?WT.ac=Footer/Navigation/Privacy
Masthaven Bank
https://www.masthaven.co.uk/site/privacy-notice/
Mercantile Trust Ltd
https://www.mercantiletrust.co.uk/Terms
Metro Bank
https://www.metrobankonline.co.uk/about-us/privacy-and-security/#Cookies%20Policy
Mint Bridging Ltd
https://www.mintbridging.co.uk/privacypolicy/
MT Finance Limited
https://www.mt-finance.com/privacy-policy/
Nationwide Building Society
http://www.nationwide-intermediary.co.uk/termsandconditions
NatWest Bank
http://www.intermediary.natwest.com/intermediary-solutions/hygiene/privacy.html
Octane Capital
`https://www.octanecapital.co.uk/privacy-notice
Octopus Property
https://www.octopusproperty.com/privacy-policy/
Optimum Credit Limited
https://www.optimumcredit.co.uk/data-protection-and-privacy
Ortus Secured Finance
http://ortussecuredfinance.co.uk/privacy-policy/
Paragon Bank PLC
https://www.paragonbank.co.uk/data-protection
Pepper (UK) Ltd
https://www.peppergroup.co.uk/privacy-policy
Pivot Finance
https://www.pivotfinance.co.uk/privacy-policy
Precise Mortgages
http://www.precisemortgages.co.uk/PrivacyNotice
Prestige Finance Ltd
https://www.prestigefinance.co.uk/Documents/Masters/078%20Mortgages%20and%20Loans%20Privacy%20Policy%200518.pdf
Progressive Money
https://www.progressivemoney.co.uk/legal/fair-processing-notice
Redwood Bank Ltd
https://redwoodbank.co.uk/legal/privacy/
Roma Finance
http://www.romafinance.co.uk/privacy-policy/
Royal Bank of Scotland plc
https://www.rbs.com/rbs/cc-check.html
Santander
https://www.santander.co.uk/uk/help-support/security-centre/data-protection
Shawbrook Bank
https://www.shawbrook.co.uk/privacy-notice/
Spring Finance
https://springfinance.co.uk/privacy-statement
Step One
https://www.steponefinance.co.uk/legal-notices/
The Mortgage Works
http://www.themortgageworks.co.uk/importantinfo/terms_conditions
The ThinCats Group
https://www.thincats.com/privacy-policy
Together Commercial Ltd
https://togethermoney.com/privacy-and-cookie-policy/
Together Personal Finance Ltd
https://togethermoney.com/privacy-and-cookie-policy/
TSB Bank Plc
https://www.tsb.co.uk/privacy/
United Trust Bank
https://www.utbank.co.uk/privacy-notice/
Vida Homeloans
http://www.vidahomeloans.co.uk/intermediaries/data-privacy
Virgin Money plc
https://uk.virginmoney.com/virgin/security.jsp
West One Loans Ltd
https://www.westoneloans.co.uk/privacy-policy/

Telephone calls will be recorded for monitoring, staff training and regulatory purposes.

We will store the information we hold about you securely and in both digital and other forms. All digital data is encrypted. We will only use your information for the purposes that you have agreed to.

When you apply to Only Bridging and accept our Privacy Policy you are agreeing that you have the consent and authority of all individuals included on the application. By doing this you are also giving us consent to use all information included in the application for the purposes explained in this section of the Privacy Policy. This includes consent that we may pass these details on to the lender to process your data for the purposes of arranging your loan.

YOUR RIGHTS
Your personal data is protected by legal rights, including the right to:
Access to your personal information
Data Protection law gives you the right to request the personal information that we hold about you (Subject Access Request). You have the right to be informed if we are processing personal data that relates to you, and if so to be informed of what we are processing, what we use the data for, who we disclose the data to and how long we will keep it for.

Object to processing
Depending on the legal basis for which we are using your information, you may be entitled to object if you believe there are lawful grounds to do so.

Erasure
In certain circumstances, you can ask us to erase your personal data, unless we have a legal obligation to hold / process your data.

Correction / rectification
You can ask us to correct personal data we hold about you, if you are able to evidence that the data we hold is inaccurate.

Restriction
In certain circumstances, you can ask us to restrict our use of your personal data

Data portability
You may ask us to provide you with a copy of your personal data in a commonly used electronic format so that you can transfer it to other businesses.

How long do we keep your data?
As we are regulated by the FCA, we are required to maintain your data for a minimum period. We will keep your personal data for as long as you are a customer of Only Bridging. Following completion of your application, we will keep your data for up to 7 years to enable us to deal with any questions or complaints, to demonstrate compliance with regulation or for legal reasons. All data will be held securely in an encrypted format.

CONTACT
For more information or to exercise your data protection rights, please contact us at compliance@Only Bridging.co.uk phone us on 0808 169 5951 or write to us at:

Compliance Officer
Only Bridging Limited
Warehams House,
Warehams Lane,
Hertford SG14 1LA

MARKETING
If you choose to receive marketing material from us, we may contact you by the media you have selected to offer other products which we feel may be of interest to you.

The loan products we may offer you will be limited to:

Mortgages, second mortgages, bridging, development, commercial, buy to let, unsecured personal loans.

These loan products will only be offered to you by Only Bridging, you will only deal with Only Bridging and the lender we identify as being best suited to your circumstances at the time of application.

If you do not wish to be contacted by us, please write to the Data Protection Officer at the address above, or e-mail your name and address (including postcode) to unsubscribe@Only Bridging.co.uk

CREDIT SEARCHES
Only Bridging will undertake a variety of checks to ensure that the loan you are applying for is appropriate for your circumstances, as well as verifying the identities of all applicants to prevent and detect crime and money laundering.

A formal credit search may be carried out by Only Bridging in your name(s) with Credit Reference Agencies who will register the details of the search. You will be informed before any such search is carried out and be asked to provide your permission.

Only Bridging will initially conduct a quotation search to assess your suitability for a loan. This will leave a 'soft footprint' and will not leave a record on your credit file. Should you proceed with your application, an application (or hard) search will be undertaken by or on behalf of the lender - this will form part of your credit file and be viewable should you make further applications.

The Credit Reference Agencies have drafted a notice called ‘Credit Reference Agency Information Notice’ (CRAIN) which sets out how your data will be processed by Callcredit, Equifax and Experian. To read the notice in full, please visit:
https://www.equifax.co.uk/crain.html,
https://www.callcredit.co.uk/crain or
http://www.experian.co.uk/crain/index.html

Where you are making a joint application, or inform us that you have a spouse or financial associate, this will mean that the mortgage lender selected for you and the credit reference agencies will link your records together. These links will remain on your and their files indefinitely, or until you or your spouse/financial associate successfully files with the credit reference agencies for a disassociation to break that link.

The personal information collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

Will this agreement change?
We may make changes to this Privacy Policy at any time. Changes will be notified by the amended version of the Notice being posted on the Only Bridging website. It is your obligation to check this website from time to time to keep abreast of the latest Terms, Conditions and Privacy Policy.

Why do we use cookies?
The Only Bridging website, along with most other major websites, uses cookies. Cookies are pieces of non-personal information that a website transfers to your computer's hard disk.

Cookies enable users to navigate around websites and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site and help us improve the user experience. Without cookies enabled we cannot guarantee that the website and your experience whilst visiting are as we intended it to be. None of the cookies used on our websites collect personally identifiable information about you.

At Only Bridging we use cookies in the following ways:

We use cookies within our website to protect our customers and prevent fraudulent activity.

To track how visitors reach our site and the path they take through it to help us improve our service to you. For example, we use Google Analytics, a popular web analytics service provided by Google. Google Analytics uses cookies to help us to analyse how users use the site, which in turn helps us develop a more user-friendly site for your benefit. Find out more about how these cookies are used on Google’s Privacy site.

To monitor and manage our website traffic.

To understand how our advertising campaigns and promotions within the Only Bridging website are working to improve our site design, offers and promotions. None of the cookies used on our website collect personally identifiable information about you and no information is passed to third parties

Two types of cookies are used on this website:

Session Cookies - These are temporary cookies, which only exist in the period you access the website (or more strictly, until you close the browser after accessing the website). Session cookies help our website remember what you chose on the previous page, therefore avoiding having to re-enter information.

Persistent Cookies - These are cookies, which remain on your device after you have visited our website. These cookies help us identify you as a unique visitor (by storing a randomly generated number).

The length of time a cookie will remain on your device will depend on the type of cookie. On our website, these cookies do not contain personal information, and cannot be used to identify you.

Can I delete these cookies?
Only Bridging will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings. The help function within your browser should tell you how.

Alternatively, you may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies. For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.


Version 2.0 24/05/2018