Privacy Policy

How does our privacy policy affect you?

During the course of dealing with us, we will ask you to provide us with detailed personal informationrelating to your existing circumstances and your financial situation(your personal data). The following information is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.

What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date or birth, National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, or any other information that could be associated with your cultural or social identity.

In the context of providing you with assistance in finding the right mortgage broker Your Personal Data may include:

Title, names, date of birth, gender, nationality, civil/marital status, contact details and addresses.
Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history.
Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.
Any pre-existing Mortgage/Loans/Financial and Insuranceproducts and the terms and conditions relating to these.

The basis upon which our Firm will deal with Your Personal Data

When we speak with you about your Mortgage, Loans or Financial requirements we do so on the basis that both parties are entering a contract for the supply of services.

In order to perform that contract, and in order to put you in touch with the right broker to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from our Compliance Service Provider or regulatory body relating to the service we have given to you, or to make contact with you to seek feedback on the service you received.

On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.

How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you and the online enquiry form you complete as part of your initial enquiry. You will usually provide information during the course of our initial conversations with you to establish your circumstances, needs and preferences in relation to Mortgage, Loans and future Financial goals.You will provide information to us verbally and in writing, including email.

What happens to Your Personal Data when it is disclosed to us?

In the course of handling Your Personal Data, we will:

Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and select preferred third parties and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.
Submit Your Personal Data to select preferred third parties for the sole purpose of obtaining finance, both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry.
Use Your Personal Data for the purposes of responding to any queries you may have in relation to any Mortgage, Loans or Financial products you may have enquired about, or to inform you of any developments in relation to changes in lender criteria that could affect your chances of obtaining finance which we feel may be applicable to your current or future circumstances
Sharing Your Personal Data

As part of your enquiry Your Personal Data will be shared with:

Select preferred third parties who we believe will be able to assist with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our Compliance Advisers, Product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).
In each case, your Personal Data will only be shared for the purposes set out in this customer privacy notice to provide you with select preferred third party professional services.

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this PrivacyPolicy.

We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the European Economic Area.

Security and retention of Your Personal Data

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted.

Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.

Your rights in relation to Your Personal Data

You can:

request copies of Your Personal Data that is under our control.
ask us to further explain how we use Your Personal Data.
ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request).
ask us to send an electronic copy of Your Personal Data to another organisation should you wish.
change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety).
How to make contact with our Firm in relation to the use of Your Personal Data

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:

By Post:

Mortgage Experts Online Ltd

Millhouse Business Centre

Station Road

Castle Donington

Derbyshire

DE74 2NJ

By phone:

0300 124 5655

By email:

hello@mortgageexpertsonline.co.uk

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Marketing consent

We like to maintain a strong and ongoing relationship with all of our visitors. By submitting an enquiry you also confirm you are happy for us to keep you up to date with new products, services, and for instance if you have been unsuccessful in obtaining a mortgage, we will provide you with critical market updates to keep you informed and help you obtain the finance you need. If you wish to stop this service at any time, then please email hello@mortgageexpertsonline.co.uk with the subject title ‘STOP’, from the email address you wish to be removed from record.

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