General information effective from: 09/05/2018
- Contractor Mortgages Direct is committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully, and transparently.
This Privacy Notice explains:
- Who we are
- What personal information we collect
- How we use your personal information
- Who we share you information with and why
- How we keep your information secure
- Your rights
- How to contact us
WHO WE ARE
- Contractor Mortgages Direct provide mortgage planning solutions and advice through experienced and qualified advisers based in the UK.
Contractor Mortgages Direct collects, uses and is responsible for certain personal data about you. When we do so we are required to comply with data protection regulation and we are responsible as a data controller of that personal data for, the purposes of those laws.
Contractor Mortgages Direct is a trading style of MortgageTek Limited and is a company registered in England and Wales (company number 09261635 whose registered office is at (Iveco House, Station Road, Watford, WD17 1ET). MortgageTek Limited is authorised and regulated by the Financial Conduct Authority. MortgageTek Limited Financial Conduct Authority Register number is 788950.
- 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 engage with us.
The type of personal information we collect will depend on the purpose for which it is collected and includes:
- Contact details
- Information to verify your identity
- Family, lifestyle, health and financial information
- Payment details.
We collect personal information directly from you. For example, we ask for personal information at the start of our relationship and in subsequent communications in order to check your identity and protect you from fraud. This is a legal requirement and is important to help safeguard you against potential crime.
SPECIAL CATEGORY INFORMATION
- In some instances, it is necessary to collect more sensitive information (such as health or lifestyle information) which is called Special Category Data. This is to allow us to provide our financial advice to you. We will always obtain your consent during the advice process to gather this data and explain what information we require and why it is needed. Sensitive personal information will always be processed and stored securely. You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.
HOW LONG WE RETAIN YOUR DATA?
- Throughout the course of our partnership with you we`ll hold on to personal data which is necessary to provide services you require. We shall also take reasonable steps to keep your personal data up to date throughout this period.
Regulatory requirements subject us to retaining your data for specified minimum period:
- Three years for mortgage business that does not complete
- Six years for mortgage business from date of completion
- Six years for protection business from on risk date
You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
HOW WE COLLECT DATA
- The processing of your personal data is allowed for a number of 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 in order 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.
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 transactions (these third parties may be based in countries outside the European Economic Area (EEA) but where they are, we will undertake an assessment of safeguards in place);
- 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;
- Third parties as part of an acquisition or sale;
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 impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure.
- Contractor Mortgages Direct is as open as it can be in terms of giving people access to their personal information and therefore have outlined your rights below. This privacy notice was drafted with brevity and clarity in mind, therefore further information can be gathered by contacting us using the details below, or more information about your data protection rights can be found here: https://ico.org.uk/for- organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/
- You have the right to opt out of marketing information and tell us what your communication preferences are by contacting Contractor Mortgages Direct using the details provided at the end of this notice, 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.
INDIVIDUAL DATA RIGHTS AND REQUESTS
- The purposes of the processing;
- 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 using the contact details found on the end of this policy;
- 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 – 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.
CONSENT TO GATHER SPECIAL CATEGORY DATA
- As detailed above, in some instances, it is necessary for us to collect more sensitive information (such as health or lifestyle information) which is called Special Category Data. This is to allow us to provide financial advice to you. This is where we need to gather your consent to the collection and processing of this data. You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.
- 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 our Data Privacy Manager, by sending an email to [email protected] or write to (Mohammed Khan, The Data Privacy Manager, MortgageTek Limited, Iveco House, Watford, WD17 1ET). 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 have any concerns or complaints as to how we have handled Your Information or Your Special Data/Criminal Disclosures you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
If we feel we have a legal right not to deal with your request, or to action it in different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Information, so that we may investigate and fulfil our own regulatory obligations.
By visiting our websites or using our services you agree that you are happy for us to set cookies and similar technologies for the purposes described in this Policy.
- A 'cookie' is a small data file that is sent to your computer's cookie file when you visit a website. When you visit the website again the cookie allows that site to recognise your browser.
As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.
We use the following types of cookies on our website:
Functional cookies. These cookies allow our websites to remember choices you make and personalise your experience. We may store your geographic location in a cookie for instance, to ensure that we show you the website relevant to your area. Third Party cookies. Third party cookies are those placed by websites and/or parties other than us. These cookies may be used on our website to improve our products or services or to help us provide more relevant advertising. These cookies are subject to the respective privacy policies for these external services, for example, the Facebook Data Use Policy.
Analytics cookies. We use analytics cookies, like those offered by Google Analytics, to help us understand things like how long a visitor stays on our website, what pages they find most useful, and how they arrived. To learn more about Google Analytics and your data, visit this Google webpage.
HOW TO CONTROL COOKIE SETTINGS
- Most web browsers allow you to control cookies through their settings preferences, however if you limit the ability of websites to set cookies, you may impact your overall user experience.
You can learn about how to control cookie settings on popular web browsers, by visiting:
Google Chrome - Internet Explorer - - Firefox