Mortgage Inspirations Privacy Policy

This Privacy Policy governs the manner in which Mortgage Inspirations collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.mortgageinspirations.co.uk website (“Site”). This privacy policy applies to the site and all products and services offered by Mortgage Inspirations. 

Derek Johnson, trading as Mortgage Inspirations is an appointed representative of The Right Mortgage Limited, which are authorised and regulated by the Financial Conduct Authority. Office Address: Mortgage Inspirations, 17 Burford Road, Stafford, Staffordshire, ST17 0BT.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, fill out a form, respond to a survey, subscribe to the newsletter and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, credit card information.

Users may, however, visit our Site anonymously.

We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilised and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Mortgage Inspirations collects and uses Users personal information for the following purposes:

To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs.

To personalise user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.

To improve our Site
We continually strive to improve our website offerings based on the information and feedback we receive from you.

To process transactions
We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.

To administer a content, promotion, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to them.

To send periodic emails

The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.  Our Site is also in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Data Retention

We will retain this data for a period of 6 years for use in the legitimate business purposes listed above.

You may choose to opt out of the processing of your data at any time by contacting us on the details listed in the ‘Who We Are’ section of this policy. We may retain some of your information to ensure that we can keep a record to identify that you wish no further processing of your data to take place, and to comply with any legal and/or regulatory responsibilities we hold.

If any business is transacted with the company, the new data retention period that supersedes any previously agreed retention period will be outlined to you as part of this process, and we will also supply you with the reasoning for this new retention period.

Who will have access to this data

This data can be accessed by members of Mortgage Inspirations, our lender(s) and provider partners and also by staff members at our Principal Firm The Right Mortgage Ltd, as we may store customer records on our shared back office system.

Your rights to our processing of your data

Under the General Data Protection Regulation, you have the following rights:

The right to know if we are processing your personal data, what data we are processing and why we are processing it- which we have detailed above.

The right to access confirmation that we are processing your data and access the personal data we hold for you. The way to request this information is detailed in the ‘Subject Access Requests’ section of this policy.

The right to request correction of any inaccurate personal data that we process relating to yourself. This can be requested in writing using the contact details listed in the ‘Who We Are’ section of this policy.

The right to obtain and reuse your personal data for your own purposes across different services.

The right to object to:

 

  • processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling);
  • direct marketing (including profiling)

The right to request that we delete personal data that we process relating to you if:

  • We no longer need the data
  • If you withdraw your consent for us to process your personal data and we don’t have another legal basis to hold this data
  • If you object to our processing and we don’t have a legitimate ground to process it
  • If we are processing your personal data unlawfully
  • If we must delete the data due to a legal obligation

The right to request that we restrict our processing of your personal data if:

  • You contest the accuracy of the data
  • Our processing is unlawful but you don’t want us to delete the data
  • We don’t need to process your personal data anymore but you need it for a legal claim
  • You object to our processing of your personal data on the basis of our legitimate interest

If you wish to enact any of these rights, please contact us using the details in the ‘who we are’ section. For further information on these rights, please visit the ICO website.

Subject Access Requests

You may request a copy of the information we hold for you through a subject access request. This can be done by contacting us using the details listed in the ‘who we are’ section, detailing which information you would like access to. There is usually no cost, and which will be complied with within 1 month.  Where the request is considered to be manifestly unfounded or excessive, we may charge administrative costs or refuse the request. If you are unhappy with the response from Mortgage Inspirations, and this cannot be resolved directly by contacting us, please contact the Information Commissioners Office.

Complaints related to data processing

If you are unhappy with the way in which we are processing your data, please contact us directly in the first instance to resolve this issue. If this issue cannot be resolved directly by contacting us, please contact the Information Commissioners Office.  

Links to other websites

Our website may contain links to third party websites. It should be noted that we do not have any control over these websites and so we are not responsible for the protection and privacy of any information which you provide whilst visiting such sites, which are not governed by this privacy statement. For this information, please consult the privacy statement applicable to the website in question.

Changes to this privacy policy

Mortgage Inspirations has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Mortgage Inspirations

17 Burford Road
Stafford
Staffordshire
ST17 0BT

Telephone:    07787 567 229

email:     info  [@]  mortgageinspirations.co.uk

 

What to do if you have a complaint

If you wish to register a complaint, please contact:

…in writing      The Right Mortgage, St Johns Court, 70 St Johns Close, Knowle, B93 0NH

…by phone      01564 732744

A summary of our internal complaints handling procedure is available on request. If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

 

 

notice: this policy was last updated October 2019

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