Privacy Policy

1. Introduction

At Mortgage PLC, we are committed to protecting and respecting your privacy. This policy explains when and why we collect personal information about people who visit our website, use our services, or contact us, how we use it, the conditions under which we may disclose it to others, and how we keep it secure.

We may change this policy from time to time so please check this page occasionally to ensure that you're happy with any changes. By using our website, you're agreeing to be bound by this policy.

Mortgage PLC is a controller of your personal data under the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR).

2. Information We Collect

We may collect, store and use the following kinds of personal information:

Personal Information You Provide

• Identity Data: Name, title, date of birth, gender
• Contact Data: Address, email address, telephone numbers
• Financial Data: Bank account and payment card details, income, expenditure, credit history
• Transaction Data: Details about payments to and from you and other details of products and services you have purchased from us
• Technical Data: Internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website
• Profile Data: Your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses
• Usage Data: Information about how you use our website, products and services
• Marketing and Communications Data: Your preferences in receiving marketing from us and our third parties and your communication preferences

Information We Collect Automatically

When you visit our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies.

3. How We Use Your Information

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

4. Legal Basis for Processing

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Performance of Contract: Where we need to perform the contract we are about to enter into or have entered into with you.
• Legitimate Interests: Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Legal Obligation: Where we need to comply with a legal or regulatory obligation.
• Consent: Where you have given clear consent for us to process your personal data for a specific purpose.

5. Sharing Your Information

We may have to share your personal data with the parties set out below for the purposes set out in the table above:

• Lenders and financial institutions as necessary to process your mortgage application
• Credit reference agencies for identity verification and credit assessment
• Regulatory authorities and fraud prevention agencies
• Professional advisers including lawyers, bankers, auditors and insurers
• HM Revenue & Customs, regulators and other authorities
• Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets

6. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

7. Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

In some circumstances you can ask us to delete your data: see Your Rights below for further information.

8. Your Rights

Under data protection laws, you have rights including:

• Your right of access - You have the right to ask us for copies of your personal information.
• Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
• Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.
• Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.
• Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.
• Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at privacy@mortgagesplc.com if you wish to make a request.

9. Cookies and Tracking

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies:

• Strictly necessary cookies: These are cookies that are required for the operation of our website.
• Analytical/performance cookies: They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it.
• Functionality cookies: These are used to recognise you when you return to our website.
• Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "Last updated" date at the top of this privacy policy.

You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

11. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact our Data Protection Officer in the following ways:

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.