WELCOME TO OUR WEBSITE
By using this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Data Privacy and Cookies policy govern Vida Homeloans’ relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.
INFORMATION ABOUT US
Vida Homeloans is a trading style of Belmont Green Finance Limited. The term 'Belmont Green' or 'us' or 'we' refers to the owner of the website whose registered office is 1 Battle Bridge Lane, London, SE1 2HP . Our company registration number is 9837692. Our place of registration is England and Wales. We are a limited company. The term 'you' refers to the user or viewer of our website www.vidahomeloans.co.uk which is a website operated by us.
ACCESSING THIS WEBSITE
LINKS TO OTHER WEBSITES
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms. You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website. Trademarks UK00003141971, UK00003141978 and UK00003141978 are registered trademarks of Vida Homeloans.
DATA PROTECTION & COOKIES
CHANGES TO OUR TERMS AND CONDITIONS
We keep our terms and conditions under regular review and we will inform you of any changes on this webpage. We may change the terms from time to time for any of the following reasons:
- to make any changes required by law, regulation, industry
- where the changes are helpful to you (including making these Terms clearer or correcting any mistakes)
- where the changes reasonably reflect changes to our costs
- where we are adding new Services to the website or making changes to the technology we use to provide the website.
CHANGES TO OUR WEBSITE
Please note that we may revise these terms at any time, please check this page from time to time to take notice of any changes as these are binding on you.
We may update our website from time to time, and may change the content at any time. Please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.
Whilst we take steps to ensure our website is operating correctly and the information is accurate we do not guarantee that our website, or any content on it, will be free from errors or omissions.
VIRUSES, MALWARE AND SECURITY
You must not use our website to transmit a virus, worm, trojan horse, time bomb, trap door or any other computer code, file or program or repetitive request designed to interfere with the performance of or impair the functionality of the website
You must not use our website to upload, post, email, transmit or post links to any content that facilitates hacking, hack into any aspect of the website, upload, post, email or transmit links to any content that is unlawful or fraudulent, circumvent or attempt to circumvent, any of the security safeguards of the website or permit any third party to do any of the above.
If you breach these provisions or we suspect that you have breached the provisions in any way, we may send you a formal warning and may suspend your access to our Website. We may also report you to the relevant law enforcement authority.
In your capacity as a business customer we shall have no liability to you arising under or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it for any a) loss of profit, sales, business or revenues; b) loss of business opportunity; c) business interruption; d) loss of anticipated savings; e) loss of goodwill; f) loss of data; or g) any indirect or unforeseeable loss which may arise from your use of our website.
Nothing in these terms and conditions excludes or limits either ours or your liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
LAW AND JURISDICTION
In your capacity as a business, these terms are governed by English law and are subject to the exclusive jurisdiction of the courts of England and Wales.
Please feel free to contact us with queries, requests, or comments you may have about our terms. We welcome any communication via the email address supplied here: email@example.com
HOW YOUR PERSONAL INFORMATION MAY BE USED BY BELMONT GREEN FINANCE LTD
Last updated 05.04.2018
By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply. We reserve the right to make changes to our Cookies Policy. Any changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to such changes.
WHAT ARE COOKIES?
Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.
Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience. There are different types of cookies. They all work in the same way, but have minor differences. Persistent cookies Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences.
There are different types of cookies. They all work in the same way, but have minor differences.
Session cookies last only for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.
Many of the cookies we use are session cookies. For example, they help us to ensure the security of your Internet Banking session, and can also keep you signed in to Internet Banking while you move between pages or service your account.
Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.
Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device. Lloyds Bank uses persistent cookies in a few ways, for example, to remember your username for log on so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example, our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.
First and third party cookies
whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.
Strictly necessary cookies
these cookies are essential to enable you to move around the website and use its features, and for ensuring the security of your online banking experience. Without these cookies, services such as applying for products and managing your accounts can’t be provided. These cookies don’t gather information about you for the purposes of marketing.
Performance cookies: these cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information thatidentifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).
these cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor,although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).
These cookies allow the website to remember choices you make (such as your user name). They are also used to identify what type of customer you are based on your behaviour. Using this information we may set your default homepage to that which is most appropriate for your customer type for the next time you visit us (e.g. you will see Private Banking rather than Personal). They may also be used to provide services you request, such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they don’t track your browsing activity across other websites. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari.
these cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert.
WHAT TYPES OF COOKIES DO WE USE?
- First party cookies
- Persistent cookies
- Session cookies
- Third party cookies
We set these cookies and they can only be read by us.
We use persistent cookies which will be saved on your computer for a fixed period (usually 1 year or longer). They won’t be deleted when the browser is closed. We use persistent cookies to recognise your device for more than one browsing session.
We use session cookies which are only stored temporarily during a browsing session and will be deleted from your device when the browser is closed.
We use a number of third party suppliers who also set cookies on Our website in order to deliver the services that they are providing. These cookies are known as third party cookies.
|Google Analytics||We use Google Analytics in order to evaluate Your use of the website and complie reports for us on the website. You can learn about Google Analytics cookies by visiting: www.google.com/intl/en/privacypolicy.html|
|Hotjar||We use Hotjar to improve design and user experience of our website by providing statistics on the site useage and pages visited|
Our Privacy Notice
If you would like to read the full details of how your personal data may be used, you can access our Privacy Notice on the appropriate link below:
• Customers: Privacy Notice (Use of Information Statement)
• Mortgage Intermediaries: Privacy Notice
Information about us
Belmont Green Finance Limited trading as Vida Homeloans (“Vida Homeloans”, “we” or “us”) is a data controller and gathers and uses information about you. Details of our notification to the regulator for data protection, may be found in the Information Commissioner’s Office Public Register of Data Controllers at www.ico.org.uk under registration number ZA161427.
The www.vidahomeloans.co.uk website and its webpages (the "Site") are also operated by Belmont Green Finance Limited, whose registered office is at 1 Battle Bridge Lane, London, SE1 2HP.
If you require any further information, please contact our Data Protection Officer:
The Data Protection Officer
Belmont Green Finance Limited
1 Battle Bridge Lane
Phone: 01784 4618561
The purpose of the Privacy Notice (which is referred to in the terms and conditions governing any loan with us as the ‘Use of Information Statement’) (“the Notice”) is to set out the purposes for which, and the manner in which, we may collect and use personal information that we may obtain about you when you make contact with us or use our services.
We collect data about you when you use our services or when you register as a user of any services provided by us through an intermediary, on this Site and/or by using this Site generally you consent and agree to this use by us. We are committed to protecting your personal data and being transparent about the way we use it. We will use your data for a number of different reasons for example to meet our legal or regulatory obligations.
We have different Privacy Notices depending on your relationship with us and the circumstances in which your data is collected and processed. These are as follows:
Customer Privacy Notice
Intermediary Privacy Notice
The UK General Data Protection Regulation requires Vida Homeloans to manage personal information in accordance with the General Data Protection Regulation Principles. In particular, Vida Homeloans is required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require.
All our employees are personally responsible for maintaining customer confidentiality. We provide training to all employees to remind them about their obligations. In addition, our policies and procedures are regularly audited and reviewed.
We may change our Notice in the future. If we make any substantial and/or material changes and those changes materially affect you, we will inform you of any changes before they take effect.
Your data protection rights
You have a number of rights in relation to your information:
1. The right to be informed
You have the right to be informed about the collection and use of your personal data.
2. The right of access
You have the right to access your personal data. You have the right to ask for copies of your personal information that we hold.
3. The right to rectification
You have the right to ask us to rectify information you think is inaccurate.
4. The right to erasure
You have the right to ask us to erase your personal information in certain circumstances.
5. The right to restrict processing
You have the right to request the restriction or suppression of your personal data in certain circumstances.
6. The right to object
You have the right to object to processing if we are able to process your information because the process is in our legitimate interests.
Disclosure of your information
We will treat your personal information as private and confidential, but may share it with other companies in the Belmont Green Finance Limited group and disclose it outside of Belmont Green Finance Limited if:a) allowed by this agreement;
b) you consent;
c) needed by our agents, advisers or others involved in running accounts and services for you or collecting what you owe Belmont Green Finance Limited group companies;
d) needed by subcontractors to help us manage your records;
e) HM Revenue & Customs or other authorities require it;
f) the law, regulatory bodies (including for research purposes), or the public interest permits or requires it;
g) required by us or others to investigate or prevent crime;
h) needed by market research companies to assist us in providing better products and services for you;
i) needed by any other parties connected with your account (including guarantors); or
j) required as part of our duty to protect your accounts, for example we are required to disclose your information to the UK Financial Services Compensation Scheme (FSCS).
For information about cookies and how they are used on our Site, visit our cookies policy.
We will always ensure your information remains safe and secure. If you were ‘introduced’ to us by a third party and/or have a relationship, we will give them your contact details and sufficient information about you to help with their accounting and administration. Introducers may use these details to contact you about products and services unless you have asked them not to do so.
The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.
Information we collect about you
If for any reason you are unsure about the personal and account information we are holding in your name, please contact us. We will happily review your file and update the records if required. You have the right to ask us to correct incorrect data which we may hold about you. You also have the right upon applying in writing to obtain a copy of the information held by us about you.
For more information, or to exercise your data protection rights, or if you are unhappy about how your personal data is being used, please contact our Data Protection Officer.
Please note that you can contact credit reference agencies for any data you believe to be incorrect and/or to log a notice of correction.
How to complain
If you have any complaints about the way we use your personal information please contact the Data Protection Officer:
The Data Protection Officer
Belmont Green Finance Limited
1 Battle Bridge Lane
Phone: 01784 4618561
If we cannot resolve any issue, you have the right to complain to the Information Commissioner:
Information Commissioner’s Office
Please note: due to the coronavirus pandemic, the ICO offices are currently closed. If you need to contact the ICO at this time it is best to do so online.