This privacy policy describes how your personal information is collected, used, and shared when you visit www.blog.mortgagerefused.com (the “Site”).
Mortgage Refused respects the privacy and rights of all that we deal with. This privacy notice documents how we collect and process personal information from visitors to our website when operating and providing services.
We will update this notice occasionally, so we recommend you revisit this page whenever you visit our website.
For the purposes of the General Data Protection Regulations (GDPR), the Data Controller in respect of any personal data controlled by the business is Mortgage Refused.
The registered address is Mortgage Refused, 2 The Green, Willington, Derby, DE65 6BP, England. And our email is info@mortgagerefused.com.
If you want to get in touch with us for any other reason, go to our Contact Us page.
Why read this page?
Before you give us any of your personal data, we want to make sure you’re really happy with how we collect it, how we store it, and what we do with it.
If you use our service, we’ll ask you to give us detailed personal information relating to your existing circumstances. Things like your financial situation and, in some cases, your health and family health history (your personal data). This page explains exactly what we’ll do with your personal data. It also explains what 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.
By definition, your personal data identifies you directly. For example, your name, address, date of birth, National Insurance number.
Your personal data may also identify you indirectly. For example, your employment, your physical and mental health history, or any other information you give us that could be used to identify you socially.
Here’s what we mean by personal data The personal data you might give us in the context of assisting you to get a mortgage, loan, or financial and insurance product, could be:
Names, titles, date of birth, gender, nationality, civil/marital status, contact details, addresses, and any documents needed to verify your identity.
Employment and employment history, remuneration information including salary, bonuses, overtime and sick pay or any other benefits.
Any current mortgage, loans, financial, and insurance products and the terms and conditions of these.
Your bank account details, your tax information, loans and credit commitments, personal credit history, sources of income, and expenses.
Family circumstances and details of any dependents you have, for example, children.
Health status and history, details of treatment and prognosis, medical reports.
How do we collect your personal data?
The main way we collect personal data is from you directly.
You’ll usually give information to us via the website when making an inquiry, or directly to your mortgage advisor when they’re helping you with your mortgage application. You’ll do this verbally and in writing, including email.
We also collect data from third parties. For example, if we do credit checks, contact your employer or search for you on the electoral register.
We also might use technology to collect your personal data. For example, software can verify your credit status. We’ll only do this if we have consent from you. If we do an electronic ID check, we will not require your consent but will inform you of how the software works and why we’re using it.
We also use cookies on our website to help us give you the best online experience. Read our cookie policy.
How we deal with your personal data When your mortgage advisor talks to you about your mortgage, financial or insurance needs, you are entering a contract for the supply of services.
To perform that contract and to get the products you need, we have the right to use your personal data for the purposes detailed below.
Alternatively, either by discussing with you, or when the contract comes to an end for whatever reason, we have the right to use your personal data if it’s in our legitimate business interest to do so and your rights are not affected. For example, we might need to use your personal data to respond to requests from mortgage lenders, insurance providers and our Compliance Service
Provider relating to the advice we have given to you, or to get in touch with you to get feedback on our service.
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 we process your personal data If you ask one of the mortgage brokers you find by using Mortgage Refused to help you with insurance needs, for example life insurance and insurance for the event of an accident or illness, we’ll ask you information about your ethnic origin, your health, and medical history.
We will record and use this information to make inquiries to insurance providers to see if they can meet your needs.
If you have parental responsibility for children under the age of 13, we will record information on our systems that relate to them.
What happens when you share your personal data?
When we handle your data, we will:
Store your personal data in paper files, mobile devices and on our computer systems (website, email, hard drives, and cloud). This information can only be accessed by employees of Mortgage Refused and the independent mortgage advisors Mortgage Refused provides.
Submit your personal data to mortgage lenders, insurance providers, and conveyancers, both in paper form and online via our secure portal. We have to give this information to these third parties because that’s how we progress your inquiry or application.
Use your personal data to respond to any queries you might have about any mortgage, loan, financial, or insurance you might take out, or to inform you of any developments in relation to those products and/or policies.
Sharing your personal data
Occasionally, we’ll share your personal data with:
Mortgage, loans, financial, conveyancing, and insurance providers.
Third parties who will be able to help with your inquiry or application, or who are able to support your needs. These third parties will include but may not be limited to:
- Estate agents
- Conveyancing, surveyors, and valuers
- Compliance advisers
- Product specialists
- Legal services like estate planners
Credit Reference Agencies to validate your identity, your credit history, and your criminal records. The Credit Reference Agencies or Criminal Records Bureau may check the details supplied against any databases (public or otherwise) to which they have access. They might also use the details in the future to assist other companies for verification purposes. We may also use information gained from conducting the credit search to identify the most suitable lender for your circumstances.
In each case, your personal data will only be shared for the purposes set out in this customer privacy notice, i.e. to progress your Mortgage/Loans/Financial/Conveyancing and Insurance inquiry and to provide you with our professional services.
Sharing of your personal data doesn’t entitle third parties to send you marketing or promotional messages.
Our service won’t involve your personal data being transferred outside of the European Economic Area.
Security of your personal data Your privacy is very important to us. We keep your personal data secure in accordance with our legal responsibilities. We take reasonable steps to keep your personal data safe and protect it from being accessed unlawfully or maliciously by a third party.
To help protect your personal data, don’t send confidential information over unprotected email, always protect your password and only use secure methods of postage when original documentation is being sent to us.
Your personal data will be retained by us either electronically or in paper format for a minimum of six years.
Your rights and your personal data
You can:
- change your consent at any time
- request copies of your personal data that we keep
- ask us to further explain how we use your personal data
- ask us to correct, delete, restrict or stop your personal data being used
- ask us to send an electronic copy of your personal data to another organisation