Privacy

PRIVACY NOTICE

We are committed to protecting your personal information

This Privacy Notice explains:

• About us

• What information we collect

• Data Retention

• Why we collect data

• How we use your personal information

• Who we share your information with and why

• How we keep your information secure

• Your data rights

ABOUT US

Mortgages Direct are a mortgage broker; we arrange mortgages secured against UK property.

Mortgages Direct is responsible for the personal data we hold about you. When we use your data, we are required to comply with data protection regulations and we are responsible as a data controller for that personal data

Our office address is 42 Waterloo Road, Salisbury SP1 2JX.

You can telephone us on 01722 415389

We are regulated by the Financial Conduct Authority (FCA). Our registration number is 303319. The FCA sets minimum standards of good lending and advisory practice to be followed by all lenders and mortgage intermediaries. Check the FCA register here

WHAT PERSONAL INFORMATION WE COLLECT

Personal information includes your name, address and telephone number and other information that is not otherwise publicly available. We collect personal information about you when you contact us about our products and services or submit a form from our website

The type of personal information we collect will be for the purposes of applying for a mortgage or insurance and includes:

• Contact details

• Information to verify your identity

• Family, lifestyle, health and financial information

• Payment details.

We will check your identity and protect you from fraud. This is a legal requirement and is important to help safeguard you against potential crime.

DATA RETENTION

We keep your personal information for the purpose for which it was collected and to meet regulatory or legislative requirements.  Personal information will be securely disposed of when it is no longer required.

WHY WE COLLECT DATA

We collect data for the purposes of applying for a mortgage or insurance product

As part of this process we are obliged to fulfil various legal and regulatory checks

The processing of your personal data is allowed for several reasons.  The data required for the provision of products and services is processed on the basis there is a contract with you to do so. 

Any relevant marketing activity we undertake is done because as a firm we have a legitimate interest to do so however you have rights, as listed below, which impact how we can use and process your data.

HOW WE USE YOUR PERSONAL INFORMATION

We process your information to support and maintain our contractual relationship with you and to comply with legal and regulatory requirements.  This includes the following:

• Providing our advice, products or services to you

• Carrying out transactions you have requested

• Confirming and verifying your identity for security purposes

• Credit scoring and assessment, and credit management (where applicable)

• Detecting and preventing fraud, crime, money laundering or other malpractice.

We also process your data for specific business purposes to enable us to give you the best products and services and the best and most secure experience. For example, we process your information to send you marketing literature that is tailored to your interests. Our business purposes include the following:

• Enhancing, modifying, and personalising our services for the benefit of our customers

• Providing communications which we think will be of interest to you

• Market or customer satisfaction research or statistical analysis

• Audit and record keeping purposes

• Enhancing the security of our network and information systems.

You have the right to object to this processing. Please bear in mind that if you object, this may affect our ability to carry out the tasks above for your benefit.

WHO WE SHARE YOUR INFORMATION WITH AND WHY

We share your information with trusted third parties who perform tasks for us and help us to provide the services you require and these include:

• Third parties to verify your identity in line with money laundering or other requirements (this may involve carrying out checks with credit reference databases);

• Third parties who perform tasks for us to help us set up or service your plan

• Other organisations, including regulatory bodies, the police and fraud prevention agencies, to prevent and detect fraud;

• Third parties where required by law, court order or regulation;

HOW WE KEEP YOUR INFORMATION SECURE

We are committed to ensuring the confidentiality of the personal information that we hold and we continue to review our security controls, related policies and procedures to ensure that your personal information remains secure.

When we contract with third parties, we will check there are appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure.

MARKETING

You have the right to opt out of marketing information and tell us what your communication preferences are by contacting us using the details provided under About Us, or by using the opt out option below or on any marketing e-mail. You may opt out at any time if you do not want to receive any further communications of this nature.

YOUR DATA RIGHTS AND REQUESTS

You have the following rights in respect of the personal information held

• To know how we use your personal information;

• The right to be informed – you can request that we provide ‘fair processing information’, typically through this privacy notice;

• The right of access – you may request a copy of the personal information we hold about you

• The right to rectification – the accuracy of your personal information is important to us. You have the right to ask us to update or correct your personal information;

• The right to erasure – you may request the deletion or removal of personal data where there is no compelling reason for its continued processing;

• The right to object – you may object to the processing of your data based on legitimate interests;

• The right to restrict processing – you have a right to request that we ‘block’ or suppress processing of your personal data;

• The right to data portability – In some circumstances, you may request to obtain and reuse your data; and

• The right not to be subject to automated decision-making including profiling.

If you wish to correct, restrict, delete or make changes to your personal information, or any of the data subject rights listed above, please contact us at the address within this document.

QUESTIONS

If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact us. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.

If you are not satisfied with how we responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.