Unbranded Finance Limited is committed to protecting the privacy of our users and customers. This privacy policy ("Privacy Policy") is intended to inform you on how we gather, define, and utilise your Information (as defined below).
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It applies to Information collected by us or provided by you over our Website (including the mobile-optimised version of the website accessible from your portable hand-held device) or in any other way (such as over the telephone). It is also intended to assist you in making informed decisions when using our Website, our products and our services. Please take a minute to read and understand the policy. The website is maintained by DigitalFlare Ltd.
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All your personal Information shall be held and used in accordance with the EU General Data Protection Regulation ("GDPR") and national laws implementing GDPR and any legislation that replaces it in whole or in part and any other legislation relating to the protection of personal data. If you want to know what information we collect and hold about you or to exercise any of your rights as set out below, please write to us at info@unbrandedfinance.com / Unbranded Finance Limited. United House, 9 Pembridge Road, London W11 3JY, United Kingdom
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Unbranded Finance Limited is the controller of your Information for the purposes of the GDPR and is a company registered under number 12387831.
1. What Personal Information Do We Collect?
In the course of providing bridging loans for commercial and residential properties, we collect the following personal information when you provide it to us:
- Name and job title;
- Address history;
- Contact information including email address;
- Demographic information such as postcode, preferences and interests.
We also obtain personal information from other sources as follows:-
- Loan and financial intermediaries who you have agreed will provide us with information to assist with your loan application;
- Credit search agencies to determine your suitability for the loan; and
- Your employer to determine suitability for the loan.
2. How we use your Personal Information
Most of the personal information we process is provided to us directly by you for one of the following reasons:
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Fulfil our contractual obligations;
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Carry out due diligence to determine your suitability for any loans you are applying for;
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Internal record keeping;
- Improve our products and services;
We use the information that you have given us in order to ascertain eligibility for lending.
We routinely share this information with legal advisors, credit rating and risk search companies, RICS property valuers, and external finance agents for the purposes of fulfilling our obligations to you.
For a list of these organisations please contact us at info@unbrandedfinance.com or telephone 020 7221 4440.
We will not share your personal information with any other third party.
The provision of your name and address is required from you to enable us to provide you with bridging loans for commercial and residential properties. We will inform you at the point of collecting information from you, whether you are required to provide the information to us.
Under the General Data Protection Regulation (GDPR), the lawful basis we rely on for processing this information;
(a) Your consent. You are able to remove your consent at any time. You can do this by contacting info@unbrandedfinance.com or by telephone 020 7221 4440.
(b) We have a contractual obligation to collect and use your personal data as is necessary to fulfil our contractual obligations to you.
(c) We have a legal obligation to collect and use your personal data where you have given us clear consent for us to process your personal data to provide you with information about the product and service to determine your suitability for the loan you have applied for.
3. How we store your Personal Information
Your information is securely stored on our secure cloud-based file hosting service.
We keep personal information for the period for which your loan is in force and for a period of 6 years after that. We will then dispose of your information securely destroying it electronically.
4. Your data protection rights relating to your Information
Under data protection law, you have rights in relation to the personal information we hold about you. Details of these rights and how to exercise them are set out below. We will require evidence of your identity before we are able to act on your request.
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Right of Access. You have the right at any time to ask us for a copy of the Information about you that we hold, and to confirm the nature of the Information and how it is used. Where we have a good reason, and if the GDPR permits, we can refuse your request for a copy of your Information, or certain elements of the request. If we refuse your request or any element of it, we will provide you with our reasons for doing so.
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Right of Rectification. If the Information we hold about you is not accurate, or is out of date or incomplete, and requires amendment or correction you have a right to have the data rectified, updated or completed. You can let us know by contacting us at the address or email address set out below.
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Right of Erasure. In certain circumstances, you have the right to request that the Information we hold about you is erased e.g. if the Information is no longer necessary for the purposes for which it was collected or processed, or our processing of the Information is based on your consent and there are no other legal grounds on which we may process the Information.
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Right to Object to or Restrict Processing. In certain circumstances, you have the right to object to our processing of your Information by contacting us at the address or email address set out above. For example, if we are processing your Information on the basis of our legitimate interests and there are no compelling legitimate grounds for our processing which override your rights and interests. You also have the right to object to the use of your Information for direct marketing purposes. You may also have the right to restrict our use of your Information, such as in circumstances where you have challenged the accuracy of the Information and during the period where we are verifying its accuracy.
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Right of Data Portability. In certain instances, you have a right to receive any Information that we hold about you in a structured, commonly used and machine-readable format. You can ask us to transmit that Information to you or directly to a third-party organisation.
This right exists in respect of Information that:
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you have provided to us previously; and
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is processed by us using automated means.
While we are happy for such requests to be made, we are not able to guarantee technical compatibility with a third-party organisation's systems. We are also unable to comply with requests that relate to the Information of others without their consent.
You can exercise any of the above rights by contacting us at the address or email address set out below. You can exercise your rights free of charge.
Most of the above rights are subject to limitations and exceptions. We will provide reasons if we are unable to comply with any request for the exercise of your rights.
If you wish to make a request or to exercise any of those rights, please;
- Email us at info@unbrandedfinance.com, write to us at Unbranded Finance Limited, United House, 9 Pembridge Road, London W11 3JY or call 020 7221 4440.
- Let us have enough information to identify you (e.g. full name, address and account number)
- Let us have proof of your identity and address (a copy of your driving licence or passport and recent utility or credit card bill), and
- Let us know the information to which your request relates, including the account number.
We have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data breach where we are legally required to do so.
If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org Get Safe Online is supported by HM Government and leading businesses.
5. Consent
To the extent that we are processing your Information based on your consent, you have the right to withdraw your consent at any time. You can do this by unsubscribing via the link provided in any direct marketing communication or contacting us at the address or email address set out above.
6. Cookies
Similar to other commercial websites, our Website uses a technology called "cookies" and web server logs to collect information about how our Website is used. A cookie is a very small text document, which often includes a unique anonymous identifier. When you visit a website, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies.
Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent at our Website, and the websites visited just before and just after our Website.
Cookies, in conjunction with our web server's log files, allow us to calculate the aggregate number of people visiting our Website and which parts of the website are most popular. This helps us gather feedback so that we can improve our Website and better serve our customers. Cookies do not allow us to gather any personal Information about you and we do not generally store any personal Information that you provided to us in your cookies.
7. Changes to our Privacy Policy
This privacy policy can be changed by us at any time. If we change our privacy policy in the future, we will advise you of material changes or updates to our privacy policy by email, where we are holding your email address.
8. Complaints
We hope we can resolve any query you raise about our use of your information.
If you have any concerns about our use of your personal information, you can write to make a complaint to us at info@unbrandedfinance.com / Unbranded Finance Limited, United House, 9 Pembridge Road, London W11 3DA.
The General Data Protection Regulation also gives you the right to lodge a complaint with a supervisory authority. The supervisory authority in the UK is the Information Commissioner, if you are unhappy with how we have used your data you can contact the ICO at;
Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline number 0303 123 1113
How to contact us
Please contact us if you have any questions about this privacy notice or the information we hold about you.
If you wish to contact us, please send an email to info@unbrandedfinance.com, write to us at Unbranded Finance Limited, United House, 9 Pembridge Road, London W11 3JY or call 020 7221 4440.