Privacy Policy

Last updated: 5 January 2026

1. Who We Are

RateIQ ("we", "us", "our") operates the website rateiq.co.uk. We are an introducer service that connects users with FCA-authorised bridging loan brokers.

2. Information We Collect

We collect information you provide directly:

  • Enquiry information: Name, email, phone number, loan requirements
  • Newsletter subscriptions: Email address and preferences
  • Calculator inputs: Loan amounts and property values (not stored)

We automatically collect:

  • IP address and browser type
  • Pages visited and time spent
  • Referring website
  • Device information

3. How We Use Your Information

We use your information to:

  • Connect you with suitable bridging loan brokers
  • Send rate alerts if you've subscribed
  • Improve our website and services
  • Respond to your enquiries
  • Comply with legal obligations

4. Information Sharing

We share your enquiry information with:

  • Partner brokers: FCA-authorised firms who will contact you about your enquiry
  • Service providers: Email services, hosting, analytics (under contract)

We do not sell your personal information to third parties for marketing purposes.

5. Cookies

We use cookies for:

  • Essential cookies: Site functionality, dark mode preference
  • Analytics cookies: Understanding how visitors use our site

You can control cookies through your browser settings.

6. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data
  • Correct inaccurate data
  • Request deletion of your data
  • Object to processing
  • Data portability
  • Withdraw consent at any time

To exercise these rights, contact us at privacy@rateiq.co.uk.

7. Data Retention

We retain:

  • Enquiry data: 3 years from last contact
  • Newsletter subscriptions: Until you unsubscribe
  • Analytics data: 26 months

8. Security

We use SSL encryption, secure hosting, and access controls to protect your data. However, no internet transmission is 100% secure.

9. Changes to This Policy

We may update this policy periodically. Significant changes will be notified via email or website notice.

10. Contact Us

For privacy enquiries:

Email: privacy@rateiq.co.uk