Môr Mortgages Privacy Policy

The type of personal information we collect

We currently collect and process the following information:

· Personal identifiers, contacts, and characteristics (for example, name and contact details) – website only

· As we carry out the factfind with the client and seek to source new mortgage solutions, we will need full disclosure of information. This will include, but is not limited to, financial information, employment details, and credit history. In line with our commitment to FCA and the Data Protection Act 2018, all information is stored safely, respecting your data protection rights, and only for the purpose of securing a new mortgage.

· Similarly, in protection cases, we require full disclosure of information. Given the nature of protection cases, we will need to secure health information and health history to provide current quotes on new products. Again, as part of our commitment to FCA and the Data Protection Act 2018, all information is stored securely, solely to assist in providing mortgage solutions.

Most of the personal information we process is provided to us directly by you for one of the following reasons: · To help us source new mortgage solutions and/or protection products for you. We may share this financial information with mortgage lenders and protection insurers. Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are: (a) Your consent. You are able to remove your consent at any time by contacting ian@mormortgages.co.uk. (b) We need it to perform a public task. (c) We have a legitimate interest, and you have data protection rights that we respect.

Your financial information is securely stored, and we ensure your data protection rights are upheld. We keep your factfind and personal information within our protected data files, providing you with reliable mortgage solutions.

Under data protection law, you possess important data protection rights regarding your financial information, including: 

Your right of access - You have the right to request copies of your personal information. 

Your right to rectification - You have the right to ask us to correct any personal information you believe is inaccurate. You also have the right to request the completion of any information you consider incomplete. 

Your right to erasure - You have the right to request the erasure of your personal information in certain circumstances. 

Your right to restriction of processing - You have the right to ask us to limit the processing of your personal information under specific conditions. 

Your right to object to processing - You have the right to object to the processing of your personal information in certain situations. 

Your right to data portability - You have the right to request that we transfer your personal information to another organization or back to you in specific circumstances. 

There is no charge for exercising your data protection rights. If you submit a request, we are obligated to respond within one month. 

For any inquiries or to make a request, please contact us at ian@mormortgages or call 07903 072064.

If you have any concerns about our use of your personal information, including your financial information, you can make a complaint to us directly. We take your data protection rights seriously. If you are unhappy with how we have used your data, you can also complain to the ICO. 

The ICO’s address is: 

Information Commissioner’s Office 

Wycliffe House 

Water Lane 

Wilmslow 

Cheshire 

SK9 5AF 

Helpline number: 0303 123 1113 

ICO website: https://www.ico.org.uk