Privacy Notice

This website is owned and maintained by Hippo Bridging Limited and the use of this website is subject to the following terms and conditions which you should read carefully. By using this website you agree to be our terms and conditions. If you do not wish to accept these terms and conditions, please do not use this website.

Website use

We use a third party provider, Google Analytics, to collect standard internet log information and details of visitor behaviour patterns to help understand things such as the number of visitors, the pages visited and how long is spent on each page to allow us to improve our service and offering. Although we may know the number of unique visitors based on their IP address we do not usually attempt to use this information to try to identify visitors and do not allow Google Analytics to do so either. We reserve the right to do so in the event that the visit is for a malicious or unlawful purpose.

We use a third party service to help maintain the security and performance of our website. To deliver this service it processes the IP addresses of visitors to our website.

Disclaimer

Hippo Bridging Limited is committed to ensuring that the information presented on this website is up to date and accurate, and is unbiased and as helpful as possible at the time of publication.

The content of this website is subject to change without notice. In no way should the information contained on the website be construed as professional advice, or be used in lieu of such. Use of the information provided on this site is voluntary and Hippo Bridging Limited is not held responsible for any errors or omissions in the information provided or for any actions resulting from the use of this information. In the unlikely event of changes being made to the content of this website by unauthorised third parties Hippo Bridging Limited cannot accept any liability.

Access to and use of this website is at the visitor’s risk and Hippo Bridging Limited cannot accept any liability or guarantee that the use of this website or any material downloaded from it or our hosting providers servers will not contain viruses, corrupted files, or any other similar software or programs. However all reasonable technical precautions are taken by our website hosting service to prevent such an occurrence.

Collecting data – when you make contact

By phone – We may use call number identification to recognise who is calling us and to have a short term record of calls received. We may record some calls for training and monitoring purposes. We will capture information that you give us for our records and in order to deal with your enquiry and process it in accordance with our processing basis as set out below.

By email – If you send us an email that is not encrypted any personal data within it may be at risk. We will capture and process the information in the email for our legitimate interest and legal purposes as set out below. When we send emails we encrypt some emails or their content in order to protect personal data.

By on-line enquiry and post– When we receive an enquiry or application via any enquiry form on our website, by email or a paper application it will contain personal information for applicant(s) and possibly other parties in connection with the property(ies) or for funders.

Providing information to us on other people including via brokers In providing information to us about other people you warrant that you have their permission to give us their data and that you have provided them with our privacy notice so that they are aware of the basis on which we will process their information. We store information provided to us in both electronic and paper based systems.

Other parties we may obtain information from We may obtain information about you from other providers such as credit reference agencies (see below), via google and other websearch tools, social media, or other providers of public information services such as land registry. We only do this when we are considering whether or not to offer you a loan or manage any loan offered, consider you for a job or work with you as a funder or service provider.

Our Service

We are FCA authorised, and can provide advice on regulated mortgage contracts. We will ensure when dealing with you, we act in your best interests and apply the regulatory standards for the introduction of this type of business by our Regulator (FCA).

When acting in your best interests we will source loans from the market that are suitable to the requirements you disclose to us. When the preferred option has been agreed, we will provide you with information about the loan and the provider of this to ensure you understand your responsibilities and commitments, before proceeding. This will include disclosure of the key contract terms from the lender, and the risks and all charges payable by you. We will not proceed until you have read and understood all the contractual documents.

We will take your reading of these Terms of Business and your instructions to proceed to indicate that you understand and have given your consent for us to operate in this way.

Fees and charges

Unless otherwise agreed in advance, we will not charge any fee for our services. We are generally remunerated by commission paid to us by lenders and the amount of commission will be disclosed to you before you proceed.

Sensitive Data

We may capture sensitive data about you with regards to your or a related persons health if you advise of an issue that we may need to take into account in dealing with your loan. We may retain this information where it would be in your best interests for us to do so or in order to protect us from a claim.

Basis of processing data and who we share your data with

We will hold and process your data for our legitimate interests in order to:
  • Determine whether or not to offer a loan
  • Manage any loan advanced through to redemption
  • Manage any relationship with intermediaries including a record of introductions, payments made and other relevant information appropriate to managing the relationship
  • Manage the relationship with funders or anyone applying to become a funder and to maintain appropriate records relevant to that relationship
  • To manage business relationships with our professional advisers, contractors and third party providers
  • To consider any application for a job, including CV’s, and whether to progress it
  • Share information where necessary with funders, our professional advisers, contractors and third party providers and anyone who may wish to acquire all or any part of our business
  • Share information with other companies in the same group and associated companies
  • Carry out checks with fraud prevention and credit agencies and tracing agencies if required (see below)
  • Share information with your broker about your application or the performance of your loan
  • Share information with any recruitment agency or search provider about your job application
  • We will hold and process your data for legal purposes in order to:
  • Meet our legal obligations
  • Help identify you and meet our anti-money laundering obligations
  • Supply information to any government body, regulatory authority, law enforcement agency as required and to credit and fraud prevention agencies
We will hold and process your data by consent for marketing purposes in order to keep you informed of:
  • Our products and services and those of any group or related company
  • Information contained in any newsletter we may issue
  • Products and services of any selected third parties where you have agreed to this

We may use a third party provider to issue this information to you but will not share your information with any other third party for marketing purposes.

We may also gather information on our marketing in order to understand and measure the effectiveness of it and to make improvements as a result.

Retaining information

We will retain information for our legitimate interests and legal purposes as follows:
  • Loans advanced – up to 6 years after the loan has redeemed but may be longer where legal action has been taken or is pending
  • Enquiries and applications for loans not advanced – up to 1 year from the date the enquiry or application is marked not proceeded with – may be longer where a fraudulent application is made. We may also need to keep any anti-money laundering information gathered for a period of up to 5 years
  • Intermediaries – up to 6 years from the end of our relationship
  • Funders – up to 6 years from the end of our relationship
  • Professional advisers, contractors and third party advisers – up to 6 years from the end of our relationship

Where you have consented to marketing we will retain your contact information for marketing purposes untilsuch time as consent is withdrawn.

Where we store your data

All information is retained within the EEA. If we were to export any of your data to a non-EEA state we would take appropriate measures to protect the data.

Your rights

You have the right as an individual to request details on the information we hold on you and to ask us to correct any information which may be inaccurate. To exercise your right please contact us and ask for a Data Subject Access Request form.

You are also able to exercise your right to be forgotten. This does not mean we will have to automatically delete all information held on you as we may still need to keep appropriate information in order to meet our legal obligations and for our legitimate interests.

There are other rights which, due to the basis on which we process data, you may not always be able to exercise. These include:

  • To restrict processing of your data
  • To provide your data in a portable format
  • To object to the processing of your data

You might also wish to complain about the way in which we have processed your data.

To exercise your rights or to make a complaint please contact us:

Email:

Post: 9 Brookside Court, 142 Prestbury Road, Macclesfield, England, SK10 3BR

You also have the right to make a complaint to the Information Commissioners Office. You can make a complaint to them via their website www.ico.org.uk or by calling them on 0303 123 1113.

We may review our privacy notice from time to time.