PRIVACY POLICY

Data Protection & You The   Data   Protection   Act   requires   companies   and   individuals   who   process   and   retain   information   about   their   customers   to   tell   the   customer   how   the information will be used and to what purposes it will be put. The   Act   does   not   restrict   itself   only   to   information   kept   on   a   computer.   It   is   relevant   to   any   ordered   filing   system.   The   information   below   describes how your data will be processed. We will not use your personal data in any other way without first informing you. Central   Bridging   receives,   holds   and   processes   information   relating   to   individuals   (‘personal   data‘)   in   accordance   with   the   Data   Protection   Act   1998 (‘DPA98’). In doing so we are committed to maintaining the privacy and protection of all personal data collected. Collection of Data We   will   collect   information   which   you   provide   to   us   when   you   enquire   about   or   apply   for   finance,   which   includes   information   gained   from   our   Loan Application   Form.   This   may   include   certain   sensitive   personal   data.   We   may   also   collect   data   about   you   from   our   searches   at   various   Credit   Reference Agencies (see below). Use of Data We may use your personal data to : •Process any loan application you have made. •Make, or cause searches to be made, at a Credit Reference Agency, or Agencies. •Offer you other products which we make available. •Exercise or defend our legal rights and/or to comply with any legal requirements. •Contact you in the future to offer you products or services that we feel may be of interest to you. We   may   also   use   and   disclose   your   personal   information   to   permit   access   to   your   information   by   any   regulatory   or   legal   authority   where   required   by law and to ensure that we are complying with all regulatory requirements when processing your data. We   may   keep   your   information   for   several   years.   You   can   ask   for   the   information   not   to   be   used   to   offer   you   other   products   or   services.   We   have   a duty to keep the personal information which we hold about you up to date and accurate and secure from misuse or accidental loss or damage. Credit Reference Agencies – Searches & Financial Links Please   note   that   searches   at   Credit   Reference   Agencies   will   be   shown   in   any   other   searches   which   are   made   in   connection   with   applications   made   by you and/or other members of your household. Information   held   about   you   by   a   Credit   Reference   Agency   may   already   be   linked   to   records   relating   to   another   person,   for   example   your   spouse,   and for   the   purpose   of   your   loan   application   you   will   be   treated   as   financially   linked.   Your   loan   application   will   be   assessed   with   reference   to   all   linked records. If   you   have   confirmed   you   are   linked   financially   with   another   person,   you   are   declaring   that   you   are   entitled   to   disclose   information   about   that   person and/or   anyone   else   referred   to   by   you   and   that   you   authorise   us   and   any   search,   link   and/or   record   information   at   credit   reference   agencies   about you   and/or   anyone   else   referred   to   by   you.   The   names   and   addresses   of   the   main   Credit   Reference   Agencies   are   shown   in   the   ‘Credit   Reference Agencies   Section.   We   may   use   one   or   more   of   these   agencies.   Information   about   which   Credit   Reference   Agency   was   used   will   be   made   freely available. We   may   check   the   information   supplied   on   your   loan   application   form   against   data   held   by   Credit   Reference   Agencies.   This   may   include   more   than one   search   being   made.   Every   time   a   search   is   made   it   is   recorded   by   the   Agency   and   disclosed   to   other   organisations   on   any   later   searches.   We   will use   the   information   obtained   in   credit   reference   searches   to   help   assess   your   application.   We   may   check   your   details   with   a   Credit   Reference   Agency or with other Agencies to satisfy itself that all the details on the application are true, and that the application has been really made by you. If we suspect information is false or inaccurate it may be reported it to a fraud prevention agency. Sometimes we may not wish to lend. This may be for a number of reasons. We do not have to tell you exactly why you have been refused a loan. Credit   Reference   Agencies   do   not   keep   "blacklists"   nor   do   they   give   any   opinion   about   whether   or   not   credit   should   be   granted.   They   do   have   a   duty to keep information up to date and accurate. The main Credit Reference Agencies are: •Experian Limited, Consumer Help Service, PO Box 8000, Nottingham, NG1 5GX •Equifax Plc, Credit File Advice Service, PO Box 1140, Bradford, BD1 5US •Callcredit Plc, Consumer Services Team, PO Box 491, Leeds, LS1 5XX All lending companies use one or more of these agencies. Credit   Reference   Agencies   keep   a   wide   range   of   information.   This   includes   information   from   the   electoral   roll   (sometimes   known   as   the   voters   roll) and   records   of   most   county   court   judgments   and   bankruptcies.   They   also   retain   information   relating   to   previous   and   existing   credit   and   a   record   of searches made against the file. Lenders    share    information    through    the    agencies    providing    a    history    of    how    punctually    payments    are    being    made    or    have    been    made.    Loan information   is   usually   held   on   file   for   6   years.   Details   of   the   voters   roll   may   be   held   for   much   longer.   Information   about   credit   searches   is   kept   for   up to two years. Access to your Data You   are   able   to   see   what   information   we   hold   about   you.   You   can   ask   us   for   a   copy   at   anytime.   We   will   also   tell   you   where   the   information   was obtained.   You   will   need   to   write   and   we   may   charge   a   small   fee   (£10   maximum).   We   will   reply   within   40   days   from   receipt   of   your   fee.   If   you   wish   to see   the   information   contained   on   a   Credit   Reference   Agency   file   you   can   do   so   by   writing   to   the   relevant   Agency.   The   agency   must   respond   within   7 working days. A fee may be required. If   your   credit   reference   file   contains   information   about   other   people   with   whom   you   have   no   financial   connection   or   if   it   contains   information   which   is incorrect   you   can   ask   for   the   entry   to   be   corrected,   removed,   or   have   a   note   put   on   the   file   explaining   why   you   think   the   information   is   wrong.   The agency will not remove correct information. The   Information   Commissioner   provides   a   useful   leaflet   which   explains   how   to   request   changes   to   your   credit   reference   file.   The   easy   to   read   leaflet includes   examples   of   letters   and   details   of   various   actions   you   may   take   to   amend   a   file.   You   can   obtain   a   copy   of   the   free   leaflet   by   writing   to:   No Credit Leaflet, P.O. Box 99, Nelson, BB9 8GS Information is also available at www.dataprotection.gov.uk. Should   you   wish   to   obtain   a   copy   of   the   personal   data   we   hold   on   you   please   write   to   Central   Bridging,   Granary   Wharf,   Wharf   Road,   Burton   on   Trent, DE14   1DU,   enclosing   your   payment   of   £10   for   our   administration   costs.   As   soon   as   we   are   satisfied   as   to   your   identity   we   will   send   you,   within   40 days,   a   copy   of   all   the   data   we   hold   concerning   you.   Please   contact   us   at   the   same   address   if   you   have   any   reason   to   believe   the   data   we   hold   on   you is inaccurate. Call Recording Calls   to   our   offices   may   be   recorded   for   our   protection   and   yours.   Calls   may   be   used   for   training   and   monitoring   purposes   and   may   be   used   in   the unlikely event of a complaint. Changes to our Data Protection Policy We   may   edit   or   amend   our   Data   Protection   Policy   from   time   to   time.   If   we   make   any   substantial   changes   in   the   way   we   use   your   personal   information we   will   notify   you   by   posting   a   prominent   notice   on   the   home   page   of   our   website.   We   will   collect   and   process   all   personal   data   in   respect   of   its   data subjects in line with the data protection principles. Contacting Us If you have any questions about our Data Protection Policy, the Terms of Use or any other aspect of this website please contact us at: Central Bridging Loans Limited Granary Wharf Wharf Road Burton on Trent Staffordshire DE14 1DU
Central Bridging, Granary Wharf, Wharf Road, Burton on Trent, Staffordshire, DE14 1DU Tel: 03332 500 406   Email: enquiry@centralbridging.co.uk   Web: www.centralbridging.co.uk Central Bridging is a trading style of Central Bridging Loans Ltd. Registered in England & Wales | Company Registration Number 07728274. Central Bridging is not regulated by the Financial Conduct Authority (FCA). All loans arranged by Central Bridging are non regulated contracts as defined under The Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Service and Markets Mortgage Credit Directive Order 2015. © Copyright Central Bridging Loans Limited Privacy Policy
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