Privacy Policy
Last updated: January 2025
Introduction
Bridging Loan Online ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. There is no broker fee for our comparison service.
Information We Collect
Personal Information
We collect personal information that you voluntarily provide to us when you:
- Request a bridging loan quote
- Contact us for information
- Subscribe to our newsletter
- Create an account or register for our services
- Fill out forms on our website
This information may include:
- Name and contact information (email address, phone number, postal address)
- Financial information (loan amount, property details, income information)
- Identification information (date of birth, national insurance number when required)
- Business information (if applicable)
Automatically Collected Information
When you visit our website, we automatically collect certain information about your device, including:
- Browser type and version
- Operating system
- IP address
- Pages visited and time spent on pages
- Referring website addresses
- Clickstream data
How We Use Your Information
We use the information we collect for various purposes, including:
- Processing your bridging loan applications and quotes
- Communicating with you about our services
- Matching you with suitable lenders from our panel
- Sending you newsletters and marketing communications (with your consent)
- Improving our website and services
- Complying with legal obligations
- Preventing fraud and ensuring security
- Analysing website usage to enhance user experience
Legal Basis for Processing (UK GDPR)
Under UK GDPR, we process your personal data based on the following lawful grounds:
- Consent: You have given clear consent for us to process your personal data for specific purposes
- Contract: Processing is necessary for a contract we have with you, or to take steps at your request before entering into a contract
- Legal obligation: Processing is necessary for us to comply with the law (not including contractual obligations)
- Legitimate interests: Processing is necessary for our legitimate interests or the legitimate interests of a third party, unless there is a good reason to protect your personal data which overrides those legitimate interests
Sharing Your Information
We may share your information with:
- Lenders: We share your information with lenders on our panel who may be able to provide you with a bridging loan
- Service providers: Third-party companies that help us operate our business (for example email providers)
- Legal and regulatory authorities: When required by law or to protect our rights
- Professional advisers: Such as lawyers and accountants
We do not sell your personal information to third parties.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.
Data Security
We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:
- SSL encryption for data transmission
- Secure server infrastructure
- Access controls and authentication
- Limiting access to people who need it to handle your enquiry
Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.
In general, we retain your data for:
- Active applications: duration of the application process plus 6 years
- Completed applications: 6 years from completion
- Marketing communications: until you unsubscribe or request deletion
- Website analytics: up to 26 months
Your Rights
Under UK data protection law, you have the following rights:
- Right to access: request copies of your personal data
- Right to rectification: request correction of inaccurate data
- Right to erasure: request deletion of your personal data
- Right to restrict processing: request that we limit how we use your data
- Right to data portability: request transfer of your data to another organisation
- Right to object: object to processing of your data in certain circumstances
- Rights related to automated decision-making: protection from decisions based solely on automated processing
To exercise any of these rights, please contact us at privacy@bridgingloanonline.co.uk.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Bridging Loan Online
7 Bell Yard, London, WC2A 2JR
Email: privacy@bridgingloanonline.co.uk
Phone: 07973 197535
Information Commissioner's Office (ICO): You have the right to lodge a complaint with the ICO if you believe we have not handled your personal data properly. Visit ico.org.uk for more information.
No broker fee.