We recognise and understand that your personal data is your own. This policy sets out how we use your data and the control you have over it. Fundamentally, if you haven’t given us permission to use your data, we will not use your data. Please be aware that as with all financial products, we have obligations to maintain records in line with regulation and FCA guidelines. If you disagree with any of these policies, you should not use this site. By browsing our site, you are accepting these terms.
We may change this Policy from time to time so please check this page occasionally to ensure that you’re happy with any changes. By using our website, you’re agreeing to be bound by this Policy
Why Do We Collect Information?
We collect your information so that we can process your loan application and to take steps to introduce you to a lender, broker or alternative solution provider, according to your request.
The information is required to:
Enable us to provide your information to lenders, brokers or alternative solution providers
Validate your identity
Access your credit history
Enable us to contact you regarding your application
Help us to find you the most appropriate product(s)
Confirm that you can afford the selected product(s)
Reduce the likelihood of fraudulent activity or money laundering
What Do We Do with Your Information?
Information that is collected by us at Online Bridging Ltd may be used in the following ways and will be recorded electronically:
to contact you and any person referred to by you in connection with your application or enquiry;
to process and respond to requests, enquiries and complaints received from you;
to identify a lender, credit broker or other product provider and arrange for the provision of the loan or other products and services requested by you;
to communicate with you about products and services provided to or requested by you;
Develop, manage, market products and services to meet your needs, contact you for products and services that may be of interest
Determine your eligibility for different products and services that you may be of interest
Data validation, enhancement, or suppression
to update our records;
to analyse trends and profiles and carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis);
to meet Our regulatory compliance and reporting obligations
to ensure that content from onlinebridging.co.uk is presented in the most effective manner for you and your computer
to develop and improve Our services to you and notify you about changes to Our services
Access And Correction Of Your Personal Data
You have the right to access the data we hold on you in many circumstances. If we agree that we are obliged to provide personal information to you, we will do so with no charge. If we feel a request is abusing this system we may charge a fee to cover our administrative costs. Before providing access to your data, we will ask for proof of identity and sufficient data about your interactions with us in order to verify that the request is actually from you. Only then will we provide you with the data.If any of the data we hold on you is inaccurate or out of date, you may ask for this to be updated. We will check any necessary information with you before submitting a mortgage application on your behalf to make sure the information we submit is accurate. If you would like to exercise these rights, please email your request to firstname.lastname@example.org. You may also request this data over the phone by calling us, however we will still ask you to email us confirmation of your request. If possible, please email us your request from the email address we have on file for you. You have the right to object to us processing your personal information if we are not entitled to use it anymore. If this is the case, you may ask that we delete your data, although how quickly this is done will depend on what interactions you have had with us. For example, if you have not yet used our services, we will happily remove your data. However if you have, then we may need to keep certain information for policy purposes since you have used our services to purchase a financial product. Please contact us to discuss this in more detail.
Online Data Collection
We collect data via our online forms such as our contact form and apply form. This data is only used for what it is intended for. For example, if you submitted a contact us form, we’ll only use the data to get in touch with you. We won’t use it for marketing purposes unless you’ve given us consent to do so.
Google Analytics – We collect anonymised data to help us understand what people do on our website and where the website traffic originates from. This helps us better focus our efforts and refine our content.
Google Adwords – If you visit the website from Google Adwords, your anonymous activity in Google Analytics will be tagged with the data (e.g. which ad you clicked on). This data is all anonymised and we do not know exactly which individual clicked what ad. We may use remarketing features built into Google Analytics/Adwords to better tailor our advertising. This does not allow us to identify you, however it may assign your device with an ID which we can use. For example, we may use it to prevent you seeing further adverts in Google search results.
Bing Ads – If you visit the website from Bing Ads, your anonymous activity in Google Analytics will be tagged with the data (e.g. which ad you clicked on). This data is all anonymised and we do not know exactly which individual clicked what ad.
Infinity – This provides us with tracking telephone numbers to better help us identify which traffic source is generating us leads. For example; did our paid ads result in phone calls. We may receive your phone number, details of how you came across our site (e.g. via a google search, or the details of the advert you clicked on) and your IP address which can be used to identify you. Infinity also records calls, which we store alongside your account with us in accordance with the GDPR.
HotJar – We occasionally record anonymous user sessions on our website in order to better understand and paint a better picture of what users are doing. This helps us identify issues with our site and make improvements. For example; are lots of people clicking on a box expecting it to go somewhere when it doesn’t. All sessions are anonymised and any personal data, such as the data you input into one of our contact forms is never recorded. As such we cannot match an individual to a browsing session. HotJar does not run on our website all of the time and is used ad hoc as needed.
If you do not wish to opt in to these cookies, you may block them using the pop up on our website, or through your browsers built in cookie controls (often found in the privacy section of your browsers settings).
Data we collect will be stored for as long as needed in order to process your mortgage application.
Your data will never be sent to third parties unless we have your consent. When we do send across your data to relevant parties (e.g. to a mortgage company or to a credit broker to find you the best deal), we will send it using a secure service.
Please contact us using the contact page information here.
Ownership And Control
We reserve the right to expand or reduce our business and this may involve the sale and/or transfer of all or part of Online Bridging. If this happens, we will transfer data relevant to that part of the business. The new party will be permitted to use this data in accordance with the GDPR. In other words, the data will only be used in accordance with how it was supplied to us.
Changes To This Policy
We may from time to time update or change this policy as required. For example if we add new services, or change existing services. We will contact you and inform you of any changes relevant to you if necessary (e.g. if we require permission to use your details or additional services). Otherwise, you can always view our up to date policy on this page.
Agents, credit brokers and Mortgage lender
All of the third parties we work with have not been named here explicitly due to commercial sensitivity, but an extensive list of where we share your personal data can be provided for free by using the contact details here. We only work with handful of credit brokers, mortgage lenders and agents who help us find the best loan deal for you.
We collect your data and will share it for commercial gain with third parties. These organisations will have a relationship with you or it may be used where they have a lawful reason, which may include these organisation’s own legitimate interest. Use includes tracing of individuals, verification and/or validation of the identity of individuals for the purposes of, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification.
We may also share your information for marketing purposes to third parties offering products and services which we think may be of interest to you, but only if you have given us your explicit consent. You have a legal right to prevent your information being used for direct marketing purposes and can request such action by using the contact details here.
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Online Bridging provides easy access to bridging loans and development loans at competitive interest rates. We help homeowners, landlords and property investors meet their financial goals.
Online Bridging is a brokerage service only dealing with unregulated asset-backed loans, Online Bridging does not provide any financial advice and does not offer mortgage advise for regulated loans, mortgages or credit agreements. Online Bridging is not regulated by the Financial Conduct Authority (FCA).
Online Bridging is a trading style of Red Lion Debt Advisory Limited, registered in England and Wales under number 12799246