Legal

Use of personal information for loan and mortgage applicants (‘you’ and ‘your’)

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.

Future Marketing

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.

Credit Searches

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.

Credit Searches – Joint Applications

By stating a financial association with another party, you are also declaring that:

• You are entitled to disclose information about your joint applicant and/or anyone else referred to by you;
• You authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

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.

Brightstar correspondence address

Bright Star Financial Limited, Unit 7 Lake Meadows Business Park, Woodbrook Crescent, Billericay CM12 0EQ

brokers – General Terms of Use

General

The Easysource system is owned and maintained by Brightstar Limited. By accessing and using this system you are agreeing to abide by the terms and conditions contained in our Legal and Privacy Policy. If you do not agree to abide by these terms and conditions, please do not use this website.

Cookies, Log Files, Clear Gifs

We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users.

When setting a cookie on our site, we allocate each visitor a Unique Reference which follows them throughout the site. This Unique Reference is logged along with referring domain information.

Intellectual Property

The copyright and all other intellectual property rights in all material on this website are owned by Brightstar. You may print and download extracts from it only if you do not modify documents or related graphics and our copyright or trademarks appear in all copies. Otherwise no part of this website may be reproduced or stored without our prior written permission.

Provision of Service

While we endeavour to ensure that Easysource is available 24 hours a day, access to it may be suspended temporarily and without notice, for example in the case of system failure, maintenance or other reasons beyond our control. We are not liable if the website is unavailable for any period of time.

Accuracy of information

We endeavour to ensure that the information on this website is correct and up to date. However, we do not warrant the accuracy and completeness of material on the website.

We may make changes to website content, or to products and prices described in it, at any time and without notice.

Liability

Brightstar excludes all liability and responsibility for any loss or damage that may result to you or a third party in connection with this website or use thereof. This includes loss or damage caused by viruses.

Note that our liability is not excluded or limited for death or personal injury caused by negligence, fraud, misrepresentation or any liability which cannot be excluded or limited under applicable law.

Changes to the Legal and Privacy Policy

We may make changes to this Legal and Privacy Policy at any time. Changes will be notified by the amended version of the Policy being posted on this website. You should therefore check this website from time to time to ensure you are aware of the latest terms and conditions applicable to your use of the website.

In order to register as a User or to submit an application for a loan, you will need to accept certain terms and conditions. Those terms take precedence over this Legal and Privacy Policy if there is conflict between them.

Governing Law

This Legal and Privacy Policy and your access to and use of this website is governed by and interpreted in accordance with English law and are subject to the exclusive jurisdiction of the English courts.