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 a new mortgage product we will also need full disclosure of information. This will contain but not be limited to financial information, employment information, credit history etc. As part of our commitment to FCA and the Data Protection Act 2018 all information is stored safely and only for the purpose of securing a new mortgage.

· Similarly with protection cases we would need full disclosure of information. The nature of protection cases we would obviously need to secure health information and health history to provide current quotes on new products. As part of our commitment to FCA and the Data Protection Act 2018 all information is stored safely and only for the purpose of securing a new mortgage.

Most of the personal information we process is provided to us directly by you for one of the following reasons:

· For us to source new mortgage and/or protection products for you.

We may share this 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. You can do this by contacting ian@mormortgages.co.uk

(b) We need it to perform a public task.

(c) We have a legitimate interest

Your information is securely stored. 

We keep your factfind and personal information within our protected data files. 

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information. 

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete. 

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances. 

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances. 

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

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at  ian@mormortgages, telephone 07903 072064 if you wish to make a request.

If you have any concerns about our use of your personal information, you can make a complaint to us directly.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address: 

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

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