PRIVACY & COOKIE POLICY

Effective Date: 21/09/2020

At Kingsbridge, we’re committed to protecting and respecting your privacy.

This Policy explains when and why we collect personal information, how we use it, the conditions under which we may disclose it to others and what choices you have. It relates to all our business activities, not just this website.

We may change this Policy from time to time so please check this page occasionally to ensure that you’re happy with any changes. By using our services, you’re agreeing to be bound by this Policy.

Any questions regarding this Policy and our privacy practices should be sent by email to info@kingsbridgemortgages.co.uk, or via the other methods on our contact page.

Summary
Here is a summary of our Privacy Information Notice:

Who are we?

We are Kingsbridge Mortgage Advice Ltd. a company providing advice on mortgages and other financial services.

How do we collect information from you?

We obtain information about you when you contact us to enquire about our services and when you use our website.

What information do we collect & how is it used?

We collect information to allow us to fulfil our obligations to our clients, and to respond to business enquiries.

Controlling your information

You have certain rights concerning the information we hold about you, as defined under the General Data Protection Regulation. If you wish to exercise these rights, please contact us.

Use of ‘cookies’

This website uses cookies; by using and browsing the Kingsbridge website, you consent to cookies being used in accordance with this Policy. If you do not consent, you must turn off cookies or refrain from using the site.

Security

Kingsbridge takes security seriously. Our internal Data Security Policy details the steps we take to safeguard and secure the information we collect.

Data Breaches

Our Data Security Policy includes a clear process for handling a personal data breach, should one occur. Where appropriate, Kingsbridge will promptly notify you of any unauthorized access to your personal information.

Complaints

If you wish to raise a complaint on how we have handled your personal information, you can contact us directly and we will investigate the matter. If you are not satisfied with our response you can also complain to the Information Commissioner’s Office (ICO).

Specific Details:

1. Who are we?

We are Kingsbridge Mortgages Advice Ltd. a company providing mortgage and financial services advice to clients in the UK.

The company address is Trym Lodge, 1 Henbury Road, Westbury-On-Trym, Bristol, BS9 3HQ. Full contact details can be found on our contact page.

2. How do we collect information from you?

We obtain information about you when you contact us to enquire about our services.

3. What information do we collect & how is it used?

We collect information to allow us to fulfil our obligations to our clients, and to respond to business enquiries. The table in section 3.3 below outlines exactly what information we collect, and for what purpose.

3.0. Sensitive Data

We do not gather sensitive personal data (e.g. health, genetic, biometric data; racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, sexual orientation, and criminal convictions). We expressly request that you do not provide any such sensitive data to us.

3.1. Children’s information

Our services are not directed to children under 13. If you learn that a child under 13 has provided us with personal information without consent, please contact us.

3.2. Third Parties

We will not sell or rent your information to third parties.

We may pass your information to third party service providers who we have engaged for the purpose of completing tasks and providing services to you on our behalf. We disclose only the personal information that is necessary to deliver the service.

We may pass your information to any law enforcement or regulatory body, government agency, court or other third party where we believe disclosure is necessary under applicable law or regulations.

We may pass on your information to new owners or re-organised entities in the event of a business restructuring, sale, purchase or joint venture affecting our business.

We also use a number of 3rd party services to help us fulfil our contractual obligations and to provide a functional and secure website. These 3rd party services are listed in full below; we believe that these 3rd party services are GDPR compliant (or are working towards GDPR compliance), and are certified under the EU-US Privacy Shield Framework (or are working towards certification) where these organisations are based outside of the EU.

3.2.1 International Users
This website are hosted in the EU, but we may use service providers in the United States and elsewhere to process personal information on our behalf or to provide certain website functionality. If you use this website outside the U.S., please note that your personal data may be transferred outside of your home jurisdiction to the United States and to other jurisdictions where our service providers are located. Some of these jurisdictions, including the United States, do not have equivalent data protection laws as the European Union and other jurisdictions. By using our website, you are agreeing that your personal data may be transferred to the United States and other jurisdictions, as explained in this Section.

3.3. Details

The following table outlines the personal data we collect and for what purpose. The table also outlines the 3rd parties the data is processed by or shared with, and how long the data is stored for:

Name What Legal Ground Purpose 3rd Parties Data Retention
Email Prospect, client & supplier contact information Contract To allow initial and ongoing contact with prospects, clients, suppliers, etc. Microsoft 365 Until request for deletion
Invoicing Client & supplier purchase history & contact information Legal obligation For invoicing 3rd party accounting company. Indefinitely, for on-going invoicing and accounting records
Hosting Accounts / Domain Name Management / Client Email Client contact information Contract Required to set up a user account for each hosting client on 1&1 1&1 Internet Limited & GoDaddy Until request for account deletion/cessation of hosting contract
Server Logs IP address Legal obligation To help prevent DoS (Denial of Service) attacks; for website security and diagnostics GoDaddy Server logs are stored unencrypted, but within a password protected fully managed hosting account/server with 1&1, they are stored indefinitely or until more server space is required.
Security IP address Legal obligation To help prevent DoS (Denial of Service) attacks; Brute-force attacks, for general website security and diagnostics Wordfence

WordPress (Jetpack)

Currently IP Addresses are stored indefinitely.

4. Controlling your information

You have certain rights concerning the information we hold about you, as defined under the General Data Protection Regulation. If you wish to exercise these rights, please contact us, including your full name and email address in the first instance (this are the unique identifiers we use to identify and collate personal information).

4.0. Requesting a copy of your information

You may request a copy of any data we hold about you. Upon request, we will provide a CSV file (which you may open in a program such as Microsoft Excel) containing the personal data we hold on record about you.

4.1. Updating or correcting your information

The accuracy of your information is important to us. If you change email address, or any of the other information we hold is inaccurate or out of date, please contact us so we may correct our records.

4.2. Deleting your information

You have the right to request erasure of your personal information. Unless there is a compelling reason for the data not to be erased (for example, if we need to use that data to fulfil our contractual or legal obligations), your personal data will be deleted on request.

4.3. Automated decision making

We do not use any personal information for automated decision making or profiling; your data is not subject to automated decision making or profiling.

5. Use of ‘cookies’

Like many other websites, the Kingsbridge website uses cookies. Cookies are small pieces of information that are stored on your computer or mobile device when you visit a website.

The following table outlines what cookies we use and what we use them for:

CookieTypeDurationDescription
cookielawinfo-checkbox-necessary011 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-non-necessary011 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Non Necessary".
test_cookie011 months
viewed_cookie_policy011 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.

Essential or necessary cookies are enabled by default you can block all cookies but some of the functionality of this website may be lost or not display correctly. If you do not consent to these types of cookies, you must turn off cookies or refrain from using the site.

Managing Your Cookie Preferences

You can manage your cookie and privacy preferences on this website at anytime using the ‘Cookie Settings’ below.

Cookie settings

Other Ways of Managing Your Cookie Preferences

You can configure your Internet browser, by changing it’s options, to stop accepting cookies completely or to prompt you before accepting a cookie from the website you visit. If you do not accept cookies, however, you may not be able to use all portions of this website.

Please note that disabling these technologies may interfere with the performance and features of the website.

Most browsers also allow you to turn off cookies.

To do this, look at the ‘help’ menu on your browser. Switching off cookies should not overly impair your use of this website but it may not work 100% as intended. Most web browsers automatically accept cookies but, if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browser. Please note however, that by blocking or deleting cookies used on our site you may not be able to take full advantage of our site if you do so.

This privacy policy can provide you with further details about how we use any personal information you give us, although not all information captured by using cookies will identify you.

We are continually striving to develop improved ways of managing your cookie preferences. As new technologies and solutions emerge, this cookies policy may be updated to reflect any such advances in technology and preference management tools.

5.1. WordPress.com – Jetpack by Automatic

Our website is powered by WordPress and we use Jetpack (plug-in) by Automatic for extra features (statistics and security) below are detailed the elements of Jetpack that we use which may use data and how that data is used. For a better understanding of how Jetpack uses your data, please refer to the Automattic Privacy Notice (Automattic owns and operates the Jetpack plugin), the Automattic Privacy Policy and our detailed What Data Does Jetpack Sync? support article.

Activity Log

This feature only records activities of a site’s registered users, and the retention duration of activity data will depend on the site’s plan and activity type.

Data Used: To deliver this functionality and record activities around site management, the following information is captured: user email address, user role, user login, user display name, WordPress.com and local user IDs, the activity to be recorded, the WordPress.com-connected site ID of the site on which the activity takes place, the site’s Jetpack version, and the timestamp of the activity. Some activities may also include the actor’s IP address (login attempts, for example) and user agent.

Activity Tracked: Login attempts/actions, post and page update and publish actions, comment/pingback submission and management actions, plugin and theme management actions, widget updates, user management actions, and the modification of other various site settings and options. Retention duration of activity data depends on the site’s plan and activity type. See the complete list of currently-recorded activities (along with retention information).

Data Synced (?): Successful and failed login attempts, which will include the actor’s IP address and user agent.


Protect

Data Used: In order to check login activity and potentially block fraudulent attempts, the following information is used: attempting user’s IP address, attempting user’s email address/username (i.e. according to the value they were attempting to use during the login process), and all IP-related HTTP headers attached to the attempting user.

Activity Tracked: Failed login attempts (these include IP address and user agent). We also set a cookie (jpp_math_pass) for 1 day to remember if/when a user has successfully completed a math captcha to prove that they’re a real human. Learn more about this cookie.

Data Synced (?): Failed login attempts, which contain the user’s IP address, attempted username or email address, and user agent information.


WordPress.com Stats

Data Used: IP address, WordPress.com user ID (if logged in), WordPress.com username (if logged in), user agent, visiting URL, referring URL, timestamp of event, browser language, country code. Important: The site owner does not have access to any of this information via this feature. For example, a site owner can see that a specific post has 285 views, but he/she cannot see which specific users/accounts viewed that post. Stats logs — containing visitor IP addresses and WordPress.com usernames (if available) — are retained by Automattic for 28 days and are used for the sole purpose of powering this feature.

Activity Tracked: Post and page views, video plays (if videos are hosted by WordPress.com), outbound link clicks, referring URLs and search engine terms, and country. When this module is enabled, Jetpack also tracks performance on each page load that includes the Javascript file used for tracking stats. This is exclusively for aggregate performance tracking across Jetpack sites in order to make sure that our plugin and code is not causing performance issues. This includes the tracking of page load times and resource loading duration (image files, Javascript files, CSS files, etc.). The site owner has the ability to force this feature to honor DNT settings of visitors. By default, DNT is currently not honored. (We have enabled this on our website).


 

6. Security

Kingsbridge takes security seriously. In order to protect your information from loss, misuse or unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect. Although we make good faith efforts to maintain the security of such personal information, no method of transmission over the internet or method of electronic storage, is 100% secure and we cannot guarantee that it will remain free from unauthorized access, use, disclosure, or alteration. Further, while we work hard to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent “hackers” or other unauthorized persons from illegally accessing or obtaining this information.

These steps include the following:

  • Data minimisation
  • Password best practice
  • Security best practice concerning devices (PCs, laptops, mobile devices), online accounts, website hosting, physical access and storage

A copy of our internal Data Security Policy is available on request.

7. Data Breaches

Our Data Security Policy includes a clear process for handling a personal data breach, should one occur. Where appropriate, Kingsbridge will promptly notify you of any unauthorized access to your personal information.

8. Complaints

If you wish to raise a complaint on how we have handled your personal information, you can contact us directly and we will investigate the matter.

If you are not satisfied with our response or believe we are processing your personal information not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).

9. Updates to This Privacy and Cookie Policy
We may occasionally update this privacy policy. If we do, we will change the “effective date” at the top of the privacy policy. Before making any update that would make this privacy policy materially less restrictive in our use or disclosure of personal information collected prior to the update, we will provide prior notice of the update by posting notice on our website at the top or bottom of the then-current privacy policy. We encourage you to periodically review this privacy policy to stay informed about our collection, use, and disclosure of personal information. Your continued use of our websites constitutes your agreement to our then-current privacy policy.

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