Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

We will collect personal data in order that we can process your application for finance, communicate with you and any broker you use as well as your solicitors and any third parties who contact us about your case.

We will hold and process personal data of many different types which will be obtained from you and may be obtained from third parties. We will share that data with third parties so far as is necessary to deal with your application.

For all our completed loans, we retain all of our paper files for ten years after which they are destroyed, with certain exceptions. We retain electronic data indefinitely. In relation to applications which are made to us and do not proceed, we generally destroy our paper files after three months but we will retain the electronic data indefinitely.

By signing our application and/or this privacy notice and/or any offer letter we may issue to you, you contract with us and pursuant to that contract we are entitled to hold and process your data. This also amounts to you giving your consent to us to do so. You may withdraw that consent at any time but unless your mortgage with us is redeemed at the same time, we will retain the right to hold and process your data.

If you are unhappy with the way in which we have held or processed your data, you may complain to the Office of the Information Commissioner whose details appear below.

Office of the Information Commissioner Tel: 0303 123 1113
registration@ico.org.uk

https://ico.org.uk/for-the-public/raising-concerns/

We will provide you this Privacy Notice with any offer that we make to you and a copy can also be downloaded here. The information is intended to be concise, transparent, intelligible and easily accessible and to use clear and plain language. If you do not understand anything that we have said, please use the contact details at the beginning of this note to contact us.

We regularly review and, where necessary, update our privacy information. If we plan to use your personal data for any other reason, we will communicate the changes to that policy to you.

Your Individual Rights

The General Data Protection Regulations provide the following rights for individuals

1. The right to be informed

2. The right of access

3. The right to rectification

4. The right to erasure

5. The right to restrict processing

6. The right to data portability

7. The right to object

8. Rights in relation to automated decision making and profiling (we do not use such tools)

If you are in any doubt as to the rights you have as to data holding, processing and generally, please visit the website of the Information Commissioners Office at www.ico.org.uk