We are Your Mortgage People. This is the trading name we use for our company which is called Your Mortgage People Ltd.
YOUR PERSONAL DATA
Personal data relates to an individual who can be identified from that data. Identification can be by the information alone or in conjunction with any other information in the possession of Your Mortgage People or information likely to enter our possession. The processing of personal data is governed by the General Data Protection Regulation (GDPR).
We value your privacy in respect of all the personal information you send to us by using this site. We will treat any and all information received confidentially; your information will not be shared outside Your Mortgage People Ltd and associated group of companies unless:
We do not guarantee that any emails sent to us by you will be received safely.
Please contact us via telephone on 01489 346624 if you are in any doubt or wish to check the status of an email sent to us.
We do not guarantee that emails sent by us to you will be secure although we will take appropriate technical and organisational measures to try and ensure that your personal data is processed safely and securely in accordance with our obligations under the GDPR. Our Data Protection Officer is Scott Harris – firstname.lastname@example.org
WHO ARE YOUR MORTGAGE PEOPLE?
We are a company registered in England and Wales. Our company registration number is 08503153 and our registered office is 2 Gloster Court, Whittle Avenue, Fareham, PO15 5SH. We are regulated by the Financial Conduct Authority to provide regulated products and services. Our reference number is 685250. Our ICO reference is ZA474879.
HOW DO WE PROCESS PERSONAL DATA & HOW WILL IT BE USED?
We take your privacy very seriously. We will not give your personal information to any other person or organisation outside of Your Mortgage People Ltd.
We will only use the personal information you provide us with to:
(a) Administer your account
(b) Provide the products and services you have requested from us
(c) Process your payment for these services
(d) Inform you of other similar products and services provided by Your Mortgage People Ltd and our associated group of companies that we think you may be interested in.
At times, we may need to share your data with service providers outside of the UK & EU for processing to enable us to provide the best service to you. This may happen in situations such as when we make use of cloud computing systems or enlist service providers to support our quality of service for you. If we need to transfer your personal information to another organisation for processing in countries that aren’t listed as ‘adequate’ by the European Commission, we’ll only do so if we have appropriate safeguards in place. You have a right to object to your data leaving the UK & EU, if you’d like to do so please contact us as outlined below.
You can choose to change the medium of communication you receive from Your Mortgage People e.g. letter, email, SMS, phone and opt out of Marketing for any or all products and services at any time by emailing email@example.com, by calling 01489 346624.
WHO WILL USE YOUR PERSONAL INFORMATION
|Type of recipient||Reason|
|Lenders and Protection Product suppliers||To source and submit applications in order to conclude the contract for the product application and the ongoing servicing of these contracts.|
|External suppliers||Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services.|
|Solicitors and Conveyancers||To update the firm of solicitors/conveyancers representing you on the progress of your application and confirm your identity/proof of deposit.|
|Estate Agents and Home Builders||To update the firm of estate agents and home builders you are working with about the results of affordability checks and progress of your application.|
|Licensed Credit Agencies||For the purposes of confirming your identity to comply with Anti Money Laundering requirements (we currently use Credit Safe and Equifax); to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders Decision In Principle; and to perform a credit assessment with your consent as part of a full application.|
|Regulators||Sharing of information may be necessary to fulfil our legal obligations as a regulated business, for example with the Financial Conduct Authority, to comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.|
|Others||Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.|
If we wish to share your personal data with anybody not mentioned above, or for any purpose other than those laid out in this document, we will always inform you before doing so.
HOW SECURE IS INFORMATION ABOUT ME?
We work hard to protect your information; we have secure in house servers and encourage high levels of compliance across our businesses. Our data storage systems include a protected backup solution to ensure the safety and integrity of your personal information.
Payments made using Sage Pay to Your Mortgage People are encrypted using 128 bit SSL encryption but once on their systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards.
We use an XPLAN sourcing portal for life insurance. The servers are secure to industry standard and they use internationally recognised data encryption on their client portal. XPLAN are also independently assessed and have the ISO 27001 accreditation.
YOUR RIGHTS & YOUR PERSONAL DATA
Unless subject to an exemption [under the GDPR], you have the following rights with respect to your personal data:
In order to find the most suitable product for you we may use the information held at credit reference agencies (CRAs). How we and the CRAs will use your information is detailed in the section of the terms and conditions called ‘use of personal information’. By confirming your agreement to proceed you are confirming that we may use your personal information in this way.
Use of personal information:
We will search a CRA who will provide us with publicly held data including the electoral roll and shared credit performance data. If you have a financial associate their data may also be provided.
We will use the information provided by a CRA to help decide which products may be best for you. It is important to note that there may be other products available from lenders who are not represented by this service. When the CRA receives a search they will place a quotation search footprint, also known as a ‘hard search’, on your credit report, whether or not you decide to apply for the product. Please note, this search may affect your ability to gain credit.
The information which we provide to the CRA may be supplied by them to other organisations and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. The CRA may also use the data to undertake statistical analysis.
If you choose to apply for a product, we will undertake a credit check and provide you with the terms and conditions for the product.
You can contact the CRAs as follows, they will charge you a small statutory fee if you wish to obtain a copy of your credit report:
Information Commissioner’s Office (ICO)
If you have a complaint regarding the way that we have handled your personal data, please contact us using the details below so that we can investigate your complaint.
Post: Your Mortgage People, 2 Gloster Court, Whittle Avenue, Fareham, Hampshire, PO15 5SH
Phone: 01489 346624
Once we have investigated your complaint, if you are still not satisfied with the outcome, you have the right to complain directly to the Information Commissioner’s Office at the address below. It is not necessary for you to complain directly to us before complaining to the Information Commissioner’s Office.
Information Commissioner’s Office
0303 123 1113
Email via online form at www.ico.org.uk
For further information about your rights and about how to complain, you can visit the ICO’s website at: www.ico.org.uk
If we wish to use your personal data for a new purpose, not covered by this Data Protection Notice, then we will provide you with a new notice explaining this new use prior to commencing the processing and setting out the relevant purposes, processing conditions and lawful basis upon which we intend to process the data. Where and whenever necessary, we will seek your prior consent to the new processing.
We may use any feedback you give about our services for training and marketing purposes.
All of our telephone calls are recorded, we may use these calls for training or monitoring purposes.
CO-BRANDED AND JOINT OFFERINGS
In the future we may offer co-branded products and services such as those offered by parent or affiliated companies, if you wish to opt out of this please submit a request via our contact us page.
TERMS AND CONDITIONS
Should you participate in any of our client offers you can find full terms and conditions on our websites: