Purple Bridge is authorised and regulated by the Financial Conduct Authority with the trading name purplebridge.co.uk, . You can find us on the Financial Services Register with Interim Permission Number: 660667. In addition to this we are also licensed by the Information Commissioner’s Office under the Data Protection Act 1998. Licence number Z3367264.
Here at we are aware about how important your privacy is and based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this it will also be processed and maintained in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at may hold about you, our customer, how we obtain and process any information we may have and, most importantly, how we will protect your privacy.
How we may contact you
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on ‘How we keep you informed’) may contact you via telephone, email, post, SMS, automated messages or fax.
How you contact us
We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience. Please contact us via the contact us page.
How we keep you informed
What you do on our website; the results of this will be used to show examples of which parts of our website are most and least used (please refer to ‘Cookies’ paragraph).
However if you register with us, have a question about our services or alternatively choose to send an email to firstname.lastname@example.org, we may also collect the above personal information/data in this in order for us to respond to your enquiry.
Ensuring your personal details & or preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so that we can ensure it is corrected. If you require your preferences to be updated, please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ paragraph).
How we use your Personal Information
Information that is collected by us, , will be recorded electronically and may be used by us in the following ways:
- To verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
- To allow 3rd parties to assess your credit history and confirm your employment details and to collect unpaid loans and debt that may be owed by you to the 3rd party.
- To extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
- To detect, prevent and investigate actual and potential fraud and related activities.
- To develop, manage and market products and services to meet our customers’ needs and to contact customers regarding products and services that may be of interest and to determine the eligibility for different products and services that our customers may be interested in.
- To contact you in connection with your enquiry.
- To update this website to better meet our client’s needs in the future.
- To help to carry out admin and service your account.
As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK then we have established levels of protection to ensure that your information is safeguarded.
Fraud prevention agencies & credit referencing
Upon application to us we may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing agencies and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the Compliance Manager. If you do choose to contact the Credit Reference Agency (CRA), please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee will be charged when information is requested. This fee currently stands at £2.00. To help you with this, we have provided below contact details for the CRAs:
Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US, Tel number 0870 010 0583, www.equifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF, 0844 4818000, www.experian.co.uk
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, 0870 060141
Information recorded outside the UK – we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.
Information/data usages for other purposes – if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.
Do we share your information with third parties?
In addition to the above we may also, on occasion, share your information/data with other parties who are not within our group; if we do we will seek your approval first. If your information is shared with a third party, we will instruct and state restrictions which will protect your information.
If we do share your information with parties outside of our group this may be for the following reasons:
To assist in finding you a loan. As we are a finance broker our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
If you wish to be provided with details of special offers and promotions, we outline this in the section called ‘How we keep you informed’.
In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person’s rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies or other lenders; if this is the case it will protect us against fraud and also reduce any risks exposed to.
If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.
Confidentiality & security
recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share your data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of services, which necessarily includes data storage and data transmission, are done at your own risk.
Can you access the information we hold about you
Yes, under certain circumstances you will be able to access the records we hold about you. If you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.
How long do we keep your information for?
The amount of time we hold your information for depends on the basis it was provided by you to us; please see the following examples:
- If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
- Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do this to ensure that if any disputes or complaints are raised, then we have your information to enable us to address the complaints or disputes. Your information will be kept, however it will be purely for business needs.
- In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
- Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.
Usage of links to other sites
How to find & control your cookies, see as follows:
Internet Explorer 6.0 or 7.0
Click Internet Options
Click the privacy tab
Click on the ‘Advanced’ button
Check the ‘Override automatic cookie handing’ box and select Accept, Block or Prompt for action appropriate.
Set your options as require
Select options by accept Cookies as required
Select your settings using the available options
Click the General tab
Click the Show Cookies button
Click Show Cookies button
To see your cookie code, simply click on a cookie to open and view it. There will be a string of numbers and text displayed. The numbers will represent your identification card; be assured that this can only be seen by the server that allocated you the cookie.
Additional cookies information – The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.
Alternatively you can write to:
- You must be over 18 years old
- You must be in permanent employment
- You must earn more than £750 net per month
- You must have a bank account with a valid debit card
- You must be paid monthly