At Broker My Mortgage, we are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information in compliance with the UK General Data Protection Regulation (UK GDPR).
1. Introduction
We understand that privacy and security are major concerns. This Privacy Policy outlines:
- The types of personal data we collect about you
- How we use your personal data
- The legal bases for processing your personal data
- How we share your information
- Your rights concerning your personal data
- How we protect your information
- Our use of cookies
- How to contact us regarding your personal data
2. What Information We Collect
When you interact with us, we may collect the following personal data:
- Personal Identification Information: Name, address, email address, and phone number.
- Financial Information: Income details, deposit amounts, property values, and adverse credit information.
- Technical Data: IP address, browser type, time zone settings, operating system, and platform.
- Usage Data: Information about how you use our website, products, and services.
- Marketing and Communications Data: Your preferences in receiving marketing from us and third parties.
3. How We Collect Your Information
We collect personal data through:
- Direct Interactions: Filling out forms on our website or communicating with us via phone, email, or otherwise.
- Automated Technologies: As you interact with our website, we may automatically collect Technical Data and Usage Data via cookies and similar technologies.
- Third Parties:
- WordPress: Our website is built on WordPress, which may collect data to enhance your user experience.
- GetResponse: We use GetResponse for email marketing, which stores your email address and name when you subscribe to our newsletters or marketing communications.
4. How We Use Your Information
We use your personal data to:
- Provide Services: Facilitate your request by connecting you with suitable mortgage brokers.
- Communicate: Respond to your inquiries and provide customer support.
- Improve Our Services: Analyze Usage Data to enhance our website and services.
- Marketing: Send you promotional materials if you have consented to receive them.
- Legal Compliance: Fulfill our legal obligations, such as fraud prevention and financial reporting.
5. Legal Basis for Processing
Our processing of your personal data is based on the following legal grounds:
- Consent: You have given clear consent for us to process your personal data for specific purposes.
- Performance of a Contract: Processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
- Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject.
- Legitimate Interests: Processing is necessary for our legitimate interests or those of a third party, provided your interests and fundamental rights do not override those interests.
6. How We Share Your Information
We may share your personal data with:
- Mortgage Brokers: To assist you in obtaining mortgage services as per your request.
- Service Providers:
- WordPress: For website hosting and management.
- GetResponse: For email marketing communications.
- Other Third-Party Providers: Such as Google Analytics, Duda, Facebook, and WhatsApp, who process data on our behalf and are compliant with UK GDPR.
- Legal Authorities: If required by law, to comply with legal obligations or protect our rights.
We ensure that all third parties respect the security of your personal data and treat it in accordance with the law.
7. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including legal, accounting, or reporting requirements:
- Service Data: Retained for as long as it is relevant to your service request.
- Marketing Data: Retained until you withdraw your consent; we request re-consent every two years.
- Legal Compliance Data: Financial records are retained for seven years as required by law.
8. International Transfers
Your personal data may be transferred to and processed in countries outside the UK. Some of these countries may not have the same level of data protection laws as the UK. Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection by ensuring at least one of the following safeguards is implemented:
- Transferring data to countries that have been deemed to provide an adequate level of protection for personal data.
- Using specific contracts approved for use in the UK, which give personal data the same protection it has in the UK.
9. Your Rights
Under the UK GDPR, you have the right to:
- Access: Request access to your personal data.
- Rectification: Request correction of inaccurate or incomplete data.
- Erasure: Request deletion of your personal data (“right to be forgotten”).
- Restriction: Request restriction of processing your personal data.
- Data Portability: Receive your personal data in a structured, commonly used, and machine-readable format.
- Object: Object to the processing of your personal data where we rely on legitimate interests.
- Withdraw Consent: Withdraw your consent at any time where we are relying on consent to process your data.
To exercise any of these rights, please contact us at [email protected]. We will respond to your request within one month.
10. How We Protect Your Data
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction:
- Data Encryption: We encrypt personal data where applicable.
- Secure Servers: Data is stored on secure servers with firewalls.
- Access Controls: Only authorized personnel can access personal data.
- Regular Monitoring: We regularly monitor our systems for vulnerabilities and attacks.
- Data Minimization: We only collect data that is necessary for the purposes outlined in this policy.
Please note that while we strive to protect your personal data, the transmission of information via the internet is not completely secure, and we cannot guarantee the security of your data transmitted to our site.
11. Cookies Policy
11.1 What Are Cookies?
Cookies are small text files placed on your device when you visit our website. They help us improve your experience by:
- Remembering your preferences
- Analyzing website traffic
- Customizing content
11.2 Types of Cookies We Use
- Essential Cookies: Necessary for the website to function properly.
- Performance Cookies: Collect information about how visitors use our website (e.g., Google Analytics).
- Functionality Cookies: Remember choices you make to improve your experience.
- Advertising Cookies: Used to deliver relevant advertisements to you.
11.3 Managing Cookies
You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.
12. Third-Party Links
Our website may include links to third-party websites, plug-ins, and applications. Clicking on those links may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will post any changes on this page and, if significant, provide a more prominent notice.
14. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at:
Broker My Mortgage
Email: [email protected]