Expert advice & guidance to help find the perfect mortgage for you.

Privacy Policy

Privacy Policy

Privacy Policy

Mortgage Choice Services is committed to protecting your privacy. This Privacy Policy sets out how Mortgage Choice Services handles data which identifies you.

 

About Us

Vixen Trading Ltd t/a Mortgage Choice Services whose registered number is 6836209 and registered office is 11 Whitchurch Parade, Whitchurch Lane, Edgware, Middlesex, HA8 6LR.

Mortgage Choice Services is an Appointed Representative of PRIMIS which is authorised and regulated by the Financial Conduct Authority for mortgages and non-investment insurance advice only.

We are committed to protecting your privacy. This Privacy Policy forms part of our legal information and sets out how we handle data which identifies you.  If you have any queries concerning your personal information, please contact us at info@mortgagechoiceservices.co.uk.

Data Protection Information

We are registered under the Data Protection Act 1998 and any information you supply will be treated in accordance with that Act. You can obtain further information about data protection laws by visiting the Information Commissioner’s website at www.ico.gov.uk.

We collect personal information from visitors to this website through the use of online forms and every time you e-mail us your details. We also collect information about the transactions you may undertake including details of payment methods used.

We automatically gather information about your visits to our sites. This includes demographic data and browsing patterns. This is used to build up marketing profiles, to aid strategic development, to manage our relationship with advertisers and to audit usage of the site.

 

Changes to the Privacy Statement

From time to time we may be required or, need to, update this Privacy Statement. Where necessary and appropriate we may contact you through the email address that you have provided, to advise of a change.

 

On Registration

 When you use the site we anonymously record the details of the pages you look at but this data is not personally identifiable. We use this data to monitor site traffic and analyse paths customers take through our site which enable us to improve the service we provide. This information is only used by us and is not passed to any other party.

 

Site monitoring

 When you use the site we anonymously record the details of the pages you look at but this data is not personally identifiable. We use this data to monitor site traffic and analyse paths customers take through our site which enable us to improve the service we provide. This information is only used by us and is not passed to any other party.

We reserve the right to change, modify, add or remove provisions of this Privacy Policy. Any changes to this Policy will be shown here, and we recommend that you check this Policy again from time to time.

 

Place of processing

 The personal information held by us is held on and processed by computers and stored in paperfiles  situated in the United Kingdom.

 

What information will Mortgage Choice Services and the Network  process that relates to you?

During the course of your dealings with us  you will be asked to provide detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your ethnic origin, your health and family health history (together Your Information).

Your Information means any information describing or relating to you. Your Information may identify you directly, for example your name, address, date of birth, National Insurance number and the like. Your Information may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

In the context of our team providing you with assistance in relation to your mortgage and/or insurance requirements Your Information may include:

  • title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity;
  • employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history;
  • bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents;
  • health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information);
  • any pre-existing mortgage and/or insurance products and the terms and conditions relating to these;

If you have parental responsibility for children under the age of 16 it is also very likely that our AR (and consequently us) will record information on our systems that relates to those children and potentially, to their Special Data.

The arrangement of certain types of insurance may involve disclosure by you to our AR of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management.

Your Special Data and any Criminal Disclosures will be used by us in the same way as Your Information generally, as set out in this Privacy Notice.

The basis upon which the Network will deal with Your Information, Your Special Data and/or Criminal Disclosures

We have set out above that we have overall responsibility in law for the quality of the service that our team supplies to you. This includes a responsibility to investigate and deal with any complaint you may subsequently make against our team. The primary reason for Your Information, Your Special Data and/or Criminal Disclosures being processed by us is to enable us to comply with these legal obligations.

Alternatively, we have the right to use Your Information, Your Special Data and/or Criminal Disclosures provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our team relating to the advice that has been provided to you, or to make contact with you to seek feedback on the service you received. We also provide our team with access to systems and software to enable it to source quotations for certain types of insurance products that you may require. We will therefore process Your Information, Your Special Data and/or Your Criminal Disclosures to enable us to fulfil responses to enquiries for such quotations submitted by our team on your behalf.

On occasion, we will use Your Information, your Special Data and/or Criminal Disclosures to enable us to meet any contractual responsibilities we may owe lenders or providers, our team, or for wider compliance with any legal or regulatory obligation to which we might be subject, including any obligations we may have to you. This includes sharing Your Information and Your Special Data and/or Criminal Disclosures with all applicable regulators such as the FCA and the Information Commissioner.

When we process your Special Data and any Criminal Disclosures we do so on the basis that it is in the substantial public interest to be able to provide vital insurance products and as permitted by UK data protection related laws and regulations from time to time. Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as the Network, our AR and insurance providers, to enable customers to secure the important insurance protection that their needs require.

How does the Network collect Your Information, Your Special Data and/or Criminal Disclosures?

We will collect and record Your Information from a variety of sources, but mainly directly from our team. You may provide information to us directly for example, when providing feedback on an team or making a complaint. Alternatively we may receive information from mortgage lenders or insurance providers.

What happens to Your Information, Your Special Data and/or Criminal Disclosures when it is disclosed the Network?

In the course of handling Your Information, Your Special Data and/or Criminal Disclosures we will:

  • record and store Your Information, Your Special Data and/or Criminal Disclosures on our systems run on secure servers. Your Information, Your Special Data and/or Criminal Disclosures will be accessed by authorised employees and consultants within, or engaged, by us as necessary for the purposes of supervision, training, quality audits, customer surveys and complaint handling or otherwise to comply with any other legal or regulatory obligation that we may have;
  • use, and where appropriate transmit, Your Information, Your Special Data and/or Criminal Disclosures to respond to any request from the FCA, the Financial Ombudsman Service, HMRC, the Office of the Information Commissioner or any other regulatory, law enforcement or governmental body;
  • need to access and process Your Information, Your Special Data and/or Criminal Disclosures to deal with enquiries received from mortgage lenders and insurance providers that relate to the service that our AR has provided to you, including the payment of any commission or fees to us that may be linked to the product you have taken out.

 

Security

We take the security of your information very seriously, and have controls and processes to minimise the risk of a data breach occurring, though you must take responsibility when visiting other websites, even if following a link to them from our website.

In the event that a breach does occur, we will take appropriate steps to notify you if you are, or could be, affected and will make all efforts to minimise the impact.

 

Disclosure for legal and regulatory reasons

 We reserve the right to communicate such personal information as we hold to third parties which seek the disclosure of it, if we are requested to do so by law or by a regulatory authority.

Links to third party sites

Our site contains links to other sites. We are not responsible for the privacy practices, or the content of those websites. You should read the privacy policies of every website that collects data.

 

Cookies

 A cookie is a small file which is placed on your computer’s hard drive. If you agree to have cookies stored on your computer, 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. This site uses cookies. See here for our cookie policy.

 

Log Files and Statistics

 We may use IP addresses, URL’s of requested resources, timestamps and HTTP user agents to analyse trends, administer the system and gather broad demographic information for aggregate use.

In addition to this we may use third party services to monitor your use of our website, including Google Analytics, a web analytics service provided by Google, Inc (‘Google’). Google Analytics use cookies to help analyse how visitors use our site. The information generated by the cookie about the use of our web-site (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of our web-site, compiling reports on website activity and providing other services relating to web-site activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your web browser, however, please note that if you do this you may not be able to make full use of our web-site. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Legal Information and Your Agreement

Access by you to our web-site is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

This web-site is prepared and issued in the United Kingdom and is intended for the information of United Kingdom residents only.

This web-site is for information purposes only and it’s content is subject to change without notice.

Nothing on this web-site shall be deemed to constitute financial advice and in the event that you wish to have any such advice, please contact us.

Information gathered and its use

Basis upon which our Network will deal with your information:

We may receive and store any information you enter on our website, or give us in any other way, for example when meeting with brokers face-2-face or e-mail communication, or provided by you when giving us feedback.

We may contact you by post, email, telephone or fax to discuss your query or feedback. If you do not want to receive such communication you can opt-out during registration, by emailing us at enquieries@mortgagechoiceservices.com.  Please note that there may be instances where it may be necessary for us to communicate with you, in any event, for administrative or operational reasons relating to our service.

Your Information

If you are merely visiting the public areas of the Website, we do not collect any personal information about you, however, we may automatically collect information about your visits, such as browsing patterns. Information collected in this way does not reveal your contact details or any type of personal information. This information is only used in aggregate form to analyse, manage and develop the Website and is not linked to any individual.

Legal Information and your agreement

Access by you of our website is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

This web-site is prepared and issued in the United Kingdom and is intended for the information of United Kingdom residents only.

This web-site is for information purposes only and its content is subject to change without notice.

Nothing on this website shall be deemed to constitute financial advice and in the event that you wish to have any such advice, you should contact a financial adviser.

 

Disclaimer

 Whilst we use all reasonable efforts to ensure that the information published on this website is accurate, current and complete at the date of publication, no representations or warranties are made (express or implied) as to the accuracy, currency or completeness of such information. We cannot accept responsibility (to the extent permitted by law) for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this web-site or any other web-site to which it may be linked. We make not warranty that this web-site is free from errors, defects or viruses.

We reserve the right to change, modify, add or remove provisions of this Privacy Policy. Any changes to this Policy will be shown here, and we recommend that you check this Policy again from time to time.

 

Copyright Notice

 The entire contents of this web-site (except where applicable the crown copyright location maps) is our property and is subject to copyright with all rights reserved.

You may download or print individual sections of the web-site for personal use and information only provided that these properly indicate our copyright and other proprietary notices.

You may not reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without Our prior written consent.

 

E-Mail

 There is no guarantee that any e-mail you send will be received by us or that the confidentiality of that e-mail will be maintained during internet transmission.

 

Applicable Law

 Any disputes arising from the use of this website shall at all times be governed by the laws of England and Wales and the parties shall submit to the exclusive jurisdiction of the English

Courts.

 

International Transfers of Personal Information

 As the internet can be assessed world wide, if you are visiting the site from outside the UK, your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically with us you are consenting to these transfers.

 

 

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