978 Bridging

Privacy

Privacy Policy

Whilst working with us, we will ask you to provide us with personal information relating to your circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). 

What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances.   Your Personal Data may identify you directly, for example your name, address, date or birth or National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

Your Personal Data may include:

Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity. Employment and remuneration information including salary, bonus schemes, overtime, sick pay and other benefits as well as your employment history. Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.

 The basis upon which our Company will manage Your Personal Data:

When we speak with you about your requirements we do so on the basis that both parties are entering a contract for the supply of services. In the course of initial discussions with you or when the contract between us has come to an end, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected.  For example, we may need to respond to requests from lenders and our Compliance Service Provider relating to the discussions we have with you, or to contact you to seek feedback on the service you received. We will use Your Personal data for contractual responsibilities and for wider compliance with any legal or regulatory obligation to which we might be subject.  

 How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will provide information during our initial meetings or conversations with you to establish your circumstances and needs. You will provide information to us verbally and in writing, including email and perhaps text messaging through various apps. We may obtain some information from third parties such as credit checks, information from your employer, and searches of information in the public domain for example the electoral roll.  If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status, we will only do so if we have your consent. With regards to electronic ID checks we would not require your consent but will inform of its use.

 What happens to Your Personal Data when it is disclosed to us?

In the course of handling Your Personal Data, we will: Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our Firm and only when it is necessary to provide a service to you and to perform any administration tasks associated with that service. Submit Your Personal Data to Product Providers both in paper form and on-line. This is essential in allowing us to progress any enquiry or application and to deal with any additional questions or administrative issues that may arise. Use Your Personal Data for the purposes of responding to any queries you may have, or to inform you of any developments of which we become aware.

 Sharing Your Personal Data

Your Personal Data will be shared with third parties who we believe will be able to assist us with your enquiry or support your needs. These third parties will include our Compliance Advisers, Product specialists, agents, providers of legal services such as estate planners, conveyancers, surveyors and valuers, in each case where we believe this to be required due to your circumstances.

 Your Personal Data will only be shared for the purposes set out in this customer privacy notice. 

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.

 Security and retention of Your Personal Data:

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party. We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us. Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.

 Your rights in relation to Your Personal Data

You can: Request copies of Your Personal Data that is under our control. Ask us to further explain how we use Your Personal Data. Ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request). Ask us to send an electronic copy of Your Personal Data to another organisation should you wish. Change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety).

 How to contact our Firm in relation to the use of Your Personal Data

If you have any questions or comments about this document, or wish to make contact to exercise any of your rights set out within it please contact: Simon Das Director of 978 Bridging LTD. If we feel we have a legal right not to deal with your request, or to action it in different way to how you have requested, we will inform you of this at the time. You should also contact us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we can investigate and fulfil our own regulatory obligations. If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF