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Rapid Bridging Ltd Privacy Notice

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Rapid Bridging Ltd is committed to protecting your privacy.

www.rapidbridging.com is authorised and regulated by the financial conduct authority.’ Rapid Bridging Ltd provide the services and content available on the Rapid Bridging website (together or individually referred to as the site), and are committed to protecting and respecting your privacy. This policy (together with the terms of use and any other documents referred to in it) sets out the basis on which any personal data Rapid Bridging Ltd collect from users, or that users provide to Rapid Bridging Ltd will be processed by it. Please read the following carefully to understand Rapid Bridging Ltd views and practices regarding your personal data and how it will treat it. Financial Conduct Authority: 716246 DPL: ZA135278 Limited Co Number: 09568514

Information Rapid Bridging Ltd May Collect About Our Users

Rapid Bridging Ltd may collect and process the following data about users:
Information that users provide by filling in forms on the site. This includes information provided at the time of registering to use any part of the site, subscribing to any service, posting material or requesting further services, which may include the following:-

  1. Verification details e.g. Name, Date of Birth National Insurance Number, Driver’s Licence Number
  2. Contact Details e.g. Address, telephone number, email address
  3. Service Details e.g. what services you require from us
  4. Location Details


Rapid Bridging Ltd may also ask users for information if (for example) users report a problem with the site.

How we will use the Information about you and our lawful basis for doing so

We will use your personal data for the following purposes:

  1. To respond to your service enquiry;
  2. To carry out our obligations arising from any contracts entered into between you and us;
  3. To notify you about any changes to our service
  4. To provide you with information about other products or services we offer that may be of interest to you;
  5. To provide you with information, products and services you request from us;
  6. To approach lenders on your behalf to arrange the funding you require;
  7. To make lender decisions;
  8. For fraud prevention;
  9. For audit purposes;
  10. For statistical analysis;
  11. For credit reference checks;
  12. For Electronic Identity Verification;

Our lawful bases for handling your personal data in the above ways are: (1) because it is necessary for performance of a contract with you; (2) because it is a legal obligation upon us; or (3) because we have obtained your consent. Where we are relying upon your consent, you have right to withdraw such consent at any time by emailing our data protection representative.

We need your basic personal data in order to provide you with an accurate recommendation for your personal circumstances. The processing of your personal data may be necessary because you have asked us to take specific steps before entering into a contract. You do not have to provide us with personal data we request but if you do not provide us with the required personal data we may not be able to provide the required services to you.

How we share your information

We may share your personal information with the following:

  1. Our employees and officers
  2. Commercial lenders
  3. Specialist funders
  4. Solicitors
  5. Accountants
  6. Credit reference agencies
  7. Fraud prevention agencies
  8. Credit enforcement agencies
  9. Data destruction agencies
  10. IT support companies and marketing agencies
  11. Third party companies and organisations if we are under a duty to disclose your personal data in order to comply with a legal obligation.
  12. Third party companies and organisations who offer services that may be of assistance to you where we cannot provide the service you require.
  13. Lead suppliers (if a third party introduced you to us).
  14. Any of the above may contact you directly.


We use a range of lenders and may share your information with them. 

For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold about you, please contact: andrew@rapidbridging.com

Marketing

From time to time, we would like to contact you by post, email, telephone and text with details of Products, Information, News and Competitions. We will only contact you in this way and for these purposes if you have given your consent.

Where we store your personal data

We have a data protection regime in place to oversee the effective and secure processing of your personal data.
Your data is stored electronically on our cloud encrypted server; our server is based in the UK. For the purposes of IT hosting and maintenance, your personal data may be transferred to servers within the European Union.
Paper-based records are kept in locked cabinets in secure office premises. All client files/data are backed up to ensure maximum security of confidential information is maintained.

How long we keep your personal data

Your Personal Data will be retained by us either electronically or in paper form for a minimum period of 6 years following the advice/service you receive from us, although your data could be held for a longer period where this may be needed to meet the requirements of our regulatory bodies.
Other personal data will be retained for no longer than necessary to protect our commercial and operational interests, which include fraud prevention, use in legal proceedings and for taxation purposes.

The information used for marketing will be kept by us until you notify us that you no longer wish to appear on our marketing database.

If you would like more information on our data retention periods, please contact us at andrew@rapidbridging.com

What are your rights?

As a Data Subject, you have the following rights:

  1. The right to request a copy of all personal data we hold about you (a fee will be payable for excessive requests);
  2. The right to request correction of personal data we hold about you if it incorrect or incomplete;
  3. The right to deletion of personal data we hold about you where there is no compelling reason for us to continue to hold it;
  4. The right to restrict our data processing activities;
  5. The right to request transfer of your personal data to a third party;
  6. The right to object to processing if the lawful basis is legitimate interest or performance of a task in the public interest or if the processing is direct marketing;
  7. The right to file a complaint with the ICO (www.ico.org.uk).


If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Manager Andrew Jones andrew@rapidbidging.com who will investigate the matter

Your Rights

Users have the right to ask Rapid Bridging Ltd not to process their personal data for marketing purposes. Rapid Bridging Ltd will usually inform users if it intends to use their data for such purposes or if it intends to disclose their information to any third party for such purposes. Users can exercise their right to prevent such processing by contacting Rapid Bridging Ltd at marketing@rapidbridging.com. The site may, from time to time, contain links to and from the websites of Rapid Bridging Ltd partner networks, advertisers and affiliates. If Users follow a link to any of these websites, they should note that these websites have their own privacy policies and that Rapid Bridging Ltd does not accept any responsibility or liability for these policies. Users should check these policies before they submit any personal data to these websites.

Visitors Under The Age Of 16

Rapid Bridging Ltd do not intentionally collect personally identifiable information online from a child under 16 since the site is not directed at children. Any users under 16 must get approval from a parent/guardian prior to submitting information. Users without consent are not allowed to provide us with information.

Access To Information

The Act gives users the right to access information held about them. User’s right of access can be exercised in accordance with the Act. If Users would like a copy of some or all of their personal information they should email marketing@rapidbridging.com or write to Rapid Bridging Ltd at the address given below. Any access request may be subject to a fee to meet Rapid Bridging Ltd’s costs in providing users with details of the information it holds about them.

Changes To This Privacy Policy

Due to the rapidly evolving technologies and capabilities on the internet Rapid Bridging Ltd may need to change this privacy policy over time. Rapid Bridging Ltd may revise these terms of use at any time for security, legal, best practice or regulatory reasons by amending this page. Rapid Bridging Ltd will not use this right to make substantial changes to the terms to user’s detriment without giving users a chance to agree. Users are expected to check this page from time to time to take notice of any changes Rapid Bridging Ltd make, as they are binding on users, however data taken before any changes will not be affected without your individual permission.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to marketing@rapidbridging.com For Advice Contact: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. Tel: 020 3820 0287

COMMERCIAL AND DEVELOPMENT BRIDGING LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS) FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.

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WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS) FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.

Rapid Bridging Ltd is authorised and regulated by the Financial Conduct Authority.
Rapid Bridging Ltd is entered on the Financial Services Register www.fca.org.uk under reference 716246. Registered in England under reference 09568514.
Head Office Address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. | Telephone: 0208 150 7528. Registered address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. The information contained within this site is subject to the UK regulatory regime and therefore is primarily targeted at consumers based in the UK. Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows.
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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