{"id":2042,"date":"2022-01-13T09:01:46","date_gmt":"2022-01-13T09:01:46","guid":{"rendered":"https:\/\/blackandwhitebridging.co.uk\/?page_id=2042"},"modified":"2024-08-27T14:21:29","modified_gmt":"2024-08-27T14:21:29","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/blackandwhitebridging.co.uk\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t
Black & White Bridging<\/strong> is a trading name of Bath and West Finance Bridging Limited (12339728), Bath and West Finance limited (07673439) and their associated companies incorporated in England and Wales, Bury Manor Offices, Woodcroft Lane, Wick, Bristol BS30 5SH. The lending services we offer make us data controllers. This means that we determine the purposes and means of processing your personal data. Personal data is information relating to natural persons who: For more information on what constitutes personal data, please visit the ICO website using the following link ico.org.uk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t We will only collect and use your personal data for a limited number of reasons:<\/p> Personal data may be collected either directly from you, or from third parties with your express authorisation.<\/p> Examples of how we may collect personal data from you directly are: Examples of how we may collect your personal data indirectly are: If you are applying for a product or communicating with us through a third-party, they should provide you with their own privacy policy in order to tell you how they may collect, process and share your personal data.<\/p> This includes any third-party app or If you were not given notice, please let us know by contacting our Data Protection Officer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t We will only collect personal data that is needed for business reasons.<\/p> When you join our marketing databases only, we may collect the following personal data:<\/p> When you apply for, or take out, one of our products we will collect the following personal data:<\/p> When someone else has provided us with your personal data, what we hold depends solely on the type and form of the information given to us. The use of this personal data will comply with this policy and the law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t Your personal data may be shared with the associated companies within the Black & White Bridging brand. This includes being stored on data servers owned or leased by one or more of the associated companies.<\/p> Your personal data may be shared with external data processors to assist us in We may provide your personal data collected as part of an application or contract with the following third-parties: These agencies maintain credit profile data on consumers and businesses.<\/p>\n When you apply for a product with us, your details may be shared with a credit reference agency so that we can view your credit history and profile.<\/p>\n Your credit profile provides data on loans, credit accounts, personal finance and utilities that you have or have had in the past. Your profile may disclose how well payments are managed, along with details of defaults.<\/p>\n We may provide information on the products you have applied for, as well as the amount of credit.<\/p>\n We may share details of products you have with us, including your balances and repayment profile, for inclusion on your credit profile.<\/p>\n An association between you and any joint applicant may be created at the credit reference agency. This may link your financial records, each of which may be taken into account in all future applications by either or both of you<\/p>\n If an association already exists then your application will be assessed with reference to these associated records. This situation will continue until one of you successfully files a disassociation at the credit reference agency.<\/p>
The companies operating within the Black & White Bridging brand are:
Bath and West Finance Bridging Limited (12339728)
Bath and West Finance Limited (07673439)
Bath and West Finance 1 Limited (11796052)
Bath and West Finance 2 Limited (11802007)
Bath and West Finance 3 Limited (11801988)
Where we make reference to \u2018we\u2019, \u2018us\u2019 or \u2018our\u2019 in this policy, we are referring to the company who is the data controller.
Unless otherwise specified (whether in this policy or under separate notice), the data controller is determined by the company who is dealing with your application, or the company which has provided you with a loan and\/or taken security.
Where one of these companies is a data controller, it will be registered with the Information Commissioner\u2019s Office (ICO).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\tOur obligations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
As data controllers, we have certain responsibilities under General Data Protection Regulations (GDPR) to inform you of the personal data we may collect, why we collect it, how we process it and who it may be shared with.
This policy sets out our obligations under GDPR and the rights of people whose personal data we may collect.
If you require any further information or wish to request details on the information we hold for you, please contact our Data Protection Officer either by email or by post.
By email:
accounts@blackandwhitebridging.co.uk
By post:
Black & White Bridging, Bury Manor Offices, Woodcroft Lane, Wick, Bristol, BS30 5SH<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\tWhat is personal data?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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<\/li><\/ul>Why we may collect your personal data<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
The nature of this relationship will determine what data we collect, and how we may use it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\tHow we may collect your personal data<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
<\/p>
<\/li><\/ul>
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<\/li><\/ul>
communication channel\/platform.
If relevant, that party should advise you that credit reference, fraud prevention and other reference agency checks will be performed before we consider your application more fully and that your personal information is being shared with us for the purposes and uses set out in this policy.<\/p>What personal data we may collect<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
<\/li><\/ul>
<\/li><\/ul>Who we may share your personal data with<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
providing you with our products.<\/p>
<\/p>Credit reference agencies<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t