01277 561 116
Bright Star Financial Limited (‘Brightstar’) is the data controller under the Data Protection Act in relation to the processing of your personal data in connection with your loan enquiry.
We use your information to provide your broker with a quote, to process your application and for marketing purposes (see Future Marketing below). You will be contacted by phone, email and text unless you tell us otherwise. We will treat all your information as private and confidential except where we are permitted to disclose your information by law, or where the disclosure is made at your request, or is made with your consent in relation to arranging your loan or mortgage. Where necessary to process your application, your data will be shared with third parties such as the lender, your broker, your mortgage provider, joint applicants and credit reference agencies (see Credit Searches below).
Brightstar Financial LTD are unable to provide advice for first charge regulated mortgage transactions. We can however pass your enquiry to our affiliate company ‘Bright Mortgage Services’. Bright Mortgage Services are an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 616258.
We will store the information we hold about you on computer and in other records. We will use your information in accordance with the principles of the Data Protection Act, including data security requirements.
Further information regarding how we and the lender will use your information will be provided by your broker with any loan documentation that may be sent to you.
You have the right of access to your personal records upon request to the Data Protection Officer and payment of a £10 fee.
Unless you advise us to the contrary, we and other brokers or lenders we refer your application to may contact you by telephone, letter, e-mail or sms to offer other products which they feel may be of interest to you.
If you do not wish to be contacted for marketing purposes please write to the Data Protection Officer at the correspondence address shown below.
When you apply for a loan or mortgage, we will make searches about you at credit reference agencies who will supply us with credit information, as well as with information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. This search may affect your credit score as credit reference agencies are used by lenders when deciding whether to lend you money.
We may use credit-scoring methods to assess your application and to verify your identity. Credit searches and other information provided to us and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by Brightstar and the lender in connection with your application. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we and the lender may make searches of fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves, your broker and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We may use this information if decisions are made about you or others at your address(es) in relation to credit or credit-related services.
By stating a financial association with another party, you are also declaring that:
Information held about you by the credit reference agencies may already be linked to other records. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records.
Bright Star Financial Limited, Unit 7 Lake Meadows Business Park, Woodbrook Crescent, Billericay CM12 0EQ
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