Privacy Policy

Privacy Matters

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.

By submitting Your Information to Online Bridging Ltd (“onlinebridging.co.uk”) you are consenting to the processing of Your Information by Us and Our agents (including mortgage lenders and credit brokers in agreement with Online Bridging) in accordance with this Privacy Policy. 

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:

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:

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  Only then will we provide you with the data.If any of the data we hold on you is inaccurate or out of date, you may ask for this to be updated.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 info@onlinebridging.co.uk.  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.

We use the following tools on our website for marketing purposes, some of which use cookies to identify you.  This section sets out exactly what we collect, what the data is used for and whether it is anonymised.

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 Storage

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.