Mortgage Help Centre - Privacy Policy

1. BACKGROUND

This Privacy Policy was last updated in April 2019 and explains how we use the clients personal information that Mortgage Help Centre (as defined below) collects or generates information in connection to its business activities and Marketing Preference Centre at www.mortgagehelpcentre.com(the “Preference Centre”).

Mortgage Help Centre, “we or “us” means of Unit 2, 345 Vicrage Farm road, Hounslow Middlesex TW5 0DZ.

We collect and use certain personal data via the Preference Centre or direct contacts and we are accountable for ensuring that we use that personal data in compliance with data protection laws. This Privacy Policy governs the handling of personal data by us in the course of performing our duties.

2. THE TYPES OF PERSONAL DATA WE COLLECT

When you visit the Preference Centre and in the course of our service we may gather personal data when you provide it to us, we may collect and process the following personal data about you:

Information that you provide to Mortgage Help Centre. Such information may include details of your marketing preferences (i.e. the marketing materials that you would like to receive from Mortgage Help Centre.
Information that we gather or produce about you. When you submit information via the Preference Centre, we may use this information to help build a better picture of the topics and materials that interest you or may interest you, and the ways in which you would like to receive them.
If you contact us we may keep a record of that communication.
Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.
Contact information
Identity information
Employment details, Financial or health and medical information

3. HOW WE USE YOUR INFORMATION

Your personal data may be stored and processed by us in the following ways and for the following purposes:

to understand your marketing preferences and keep them up to date;
to communicate with you in order to provide you with information about Mortgage Help Centre and the products and services offered that might be of interest to you;
for the administration and maintenance of databases and storing your marketing preferences.

However, in using personal data we make sure that the usage complies with the law. The use of your personal data as described in this Privacy Policy is permitted because:

it is necessary for our legitimate business interests, because it allows us to:

o keep a record of what our contacts are interested in hearing about and how they would like to hear about it;
o ensure that we only send our contacts marketing materials that they would like to receive and that may be of interest to them; and conduct more effective business development and marketing activities.
You may have consented for us to use your personal data to send you certain marketing materials when you submit your marketing preferences to us via the Preference Centre.
Where you have consented to be contacted for such purposes, to provide you with information or services that you request from us or which we feel may interest you.
To carry out our obligations arising from any contracts entered into between you and us.
To allow you to participate in any interactive features which may offer on our site from time to time, when you choose to do so.
To notify you about changes to our service.

We will take steps to ensure that the personal data is accessed only by employees of Mortgage Help Centre that have a need to do so for the purposes described in this Privacy Policy.

Below we describe how we use your personal data, the lawful basis for processing it and if applicable, third party activity

Stage and reason of application/processing	What Personal Data is retained	How long do we hold it?	Why do we retain it?
You have made a basic enquiry but insufficient to do a lender’s credit search	Personal, contact information and basic plan application data	6 months from the end of the enquiry or 3 months if you request it	To contact you and attempt to help you arrange finance
You have made an enquiry sufficient to do a lender’s credit search but not yet arranged finance for you. Research for investments or quotes for insurance products, such as protection and general insurance	Personal, contact information full plan application data	12 months from the end of the enquiry	To contact you and attempt to help you arrange finance and to help resolve misunderstanding and complaints that may arise
We have provided mortgage or investment or insurance advice	Personal, contact information full plan application data and plan information and records of mortgage, investment or insurance advice provided	3 years from the end of the enquiry	To meet our regulatory and legal obligations to keep accurate records
We have successfully arranged finance, investment or general insurance for you	Personal, contact information full plan application data, plan information and records of mortgage, investment and insurance advice provided	6 years from the end of the enquiry	To provide you further advice or to investigate and resolve complaints/defend legal claims and
If applicable, completing due diligence checks on behalf of a provider or reporting suspicious activity	Evidence of proof of identity, income and address (where we have arranged finance). Records of suspicious activity Investigations and external reports to fraud prevention agencies	6 years from end of enquiry or from date of suspicious activity report	To comply with our legal obligations obligations to prevent financial crime.
Investigating and responding to complaints.	Records of complaint investigation notes, supporting evidence including loan application data, copies of documents and records of communications	6 years after end of contractual loan term.	To comply with our regulatory obligations and to able to identify and respond to duplicated claims or complaints made against us
Sending promotional information and updates regarding our service and products	Personal contact details.	While we have your consent and you are happy to continue to receive updates.	To keep you informed of our services and changes to products that may be of interest to you

4. DISCLOSURE OF YOUR INFORMATION TO THIRD PARTIES

We may share your personal data within Mortgage Help Centre for the purposes explained above.

We may also share your personal data outside of Mortgage Help Centre as further described below:

With our business partners whose products and services you have indicated that you would be interested in hearing about;
With third party service providers for the purposes of providing services to us that enable or support our fulfillment of the purposes described in this Privacy Policy. These third parties will be subject to appropriate data protection obligations;
To the extent required by law, for example if we are under a duty to disclose your personal data in order to comply with any legal obligation, or to establish, exercise or defend our legal rights;
If we sell our business or assets, in which case we may need to disclose your personal data to the prospective buyer for due diligence purposes; and
If we are acquired by a third party, in which case the personal data held by us about you will be disclosed to the third party buyer.

5. HOW LONG WE KEEP YOUR PERSONAL DATA

How long we will hold your personal data for will vary and will be determined by the following criteria:

the purpose for which we are using it (as further described in this policy) – we will need to keep the data for as long as is necessary for that purpose; and
legal obligations – laws or regulation may set a minimum period for which we have to keep your personal data

6. YOUR RIGHTS

In all the above cases in which we collect, use or store your personal data, you may have the following rights and, in most cases, you can exercise them free of charge. These rights include:

The right to obtain information regarding the processing of your personal data and access to the personal data which we hold about you;
The right to withdraw your consent to the processing of your personal data at any time. Please note, however, that we may still be entitled to process your personal data if we have another legitimate reason for doing so;
In some circumstances, the right to receive some personal data in a structured, commonly used and machine-readable format and/or request that we transmit those data to a third party where this is technically feasible. Please note that this right only applies to personal data which you have provided directly to Mortgage Help Centre;
The right to request that we rectify your personal data if it is inaccurate or incomplete;
The right to request that we erase your personal data in certain circumstances. Please note that there may be circumstances where you ask us to erase your personal data but we are legally entitled to retain it;
The right to object to, or request that we restrict, our processing of your personal data in certain circumstances. Again, there may be circumstances where you object to, or ask us to restrict, our processing of your personal data but we are legally entitled to refuse that request; and the right to lodge a complaint with the relevant data protection regulator if you think that any of your rights have
been infringed by us.
To exercise your right, we will not ask for any fees, unless it is felt to be repetitive or excessive. If applicable, you will be advised of how much it will be before applying the fees.
To restrict our use of personal data
You can ask that we restrict our use of your personal data in certain circumstances, for example;

o   where you think the information is inaccurate and we need to verify it;
o   where our use of your personal data is not lawful but you do not want us to erase it;
o   where the information is no longer required for the purposes for which it was collected but we need it to establish, exercise or defend legal claims;
To object to use of personal data
You can object to any use of your personal data which we have justified on the basis of our legitimate interest, if you believe your fundamental rights and freedoms to data protection outweigh our legitimate interest in using the information. If you raise an objection, we may continue to use the personal data if we can demonstrate that we have compelling legitimate interests to use the information.
To request a transfer of personal data
You can ask us to provide your personal data to you in a structured, commonly used, machine- readable format, or you can ask to have it transferred directly to another data controller (e.g. another company).
You may only exercise this right where we use your personal data in order to perform a contract with you, or where we asked for your consent to use your personal data. This right does not apply to any personal data which we hold or process by non- automated means.

You can exercise your rights by contacting us using the details provided at clause 10 below.

7. OTHER WEBSITES

If you follow a link to another website (including a website operated by Mortgage Help Centre), different privacy policies may apply. You should read these policies before you submit any personal data to these websites and agree that use of your personal data by those websites will be subject to those privacy policies

9. CHANGES TO THIS PRIVACY POLICY

Any changes we make to our Privacy Policy in the future will be posted on this page and where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy Policy.

10. QUESTIONS AND CONCERNS

If you have any questions or concerns about our handling of your personal data, or about this Privacy Policy, please contact us using the following contact information:

Address: Mortgage Help Centre. Unit 2, 345 Vicrage Farm road, Hounslow Middlesex TW5 0DZ

Email Address: info@mortgagehelpcentre.com

We are usually able to resolve privacy questions or concerns promptly and effectively. If you are not satisfied with the response you receive, you may escalate concerns to the applicable data protection regulator in your jurisdiction. Upon request, we will provide you with the contact information for that regulator.
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