Privacy policy

Finest Mortgage Solutions Ltd

Company Number 13466367
Contact Details Ashley.davis@finestmortgages.co.uk

Introduction

At Finest Mortgage Solutions Ltd we take data privacy very seriously and want to make sure your experience with us is the best it can be. Finest Mortgage Solutions Ltd is known as the ‘controller’ of the personal data you provide to us. This Privacy Policy gives you a clear view of who we are, how we collect, share, and use the personal information you provide us, how we protect your data to the highest standard, and the rights and choices you have to control your personal information and protect your privacy.

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Privacy Policy

  1. What Information do we collect?
    We may collect, store, and use the following kinds of personal information:
    1. Information about your computer and your visits to this website and use of this website (including your IP address, geographical location, browser type, and version, operating system, referral source, length of visit, page views, and website navigation).
    2. Information that you provide to us is for the purpose of contacting Finest Mortgage Solutions Ltd, this may include:
      • Identity Data including forenames, last name, maiden name, date of birth, gender, and marital status
      • Contact Data including home address, email address, and telephone numbers
      • Financial Data including bank statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets
      • Special Category Data specifically medical history
      • Transaction Data including payments made for products and services you have purchased from us
      • Technical Data including internet protocol (IP) address, 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 used to access the Finest Mortgage Solutions website
      • Profile and Usage Data including purchases made by you, feedback, and survey responses, and how you use our website, products, and services.
      • Marketing and Communications Data including your preferences in receiving marketing from us.
    Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with the terms of this privacy policy.
  2. Legal basis for collecting your information.
    Chapter six of the UK GDPR requires any organisation processing personal data to have a valid legal basis for that personal data processing activity. Finest Mortgage Solutions Ltd processes your personal data for the following reasons:
    1. For the performance of a contract, we enter with you
    2. Where necessary for the compliance with a legal obligation we are subject to
    3. For our legitimate interests.
    4. Consent
      All the information above is to enable us to carry our services to you, we have agreed to provide a service to you and the processing is necessary for the performance of our contract with you. This includes passing your information to third parties (see below)
      Purpose/Activity Types of data Legal basis
      To initially engage with you to discuss your requirements
      • Identity
      • Contact
      		 Consent
      To process and deliver your application for a mortgage or protection product
      • Identity
      • Contact
      • Financial
      • Special category
      • Transaction
      • Marketing and Comms
      		 Performance of a contract
      Comply with a legal obligation
      Necessary for our legitimate interest
      Manage our client relationship with you, which will include
      • Maintain and update your account
      • Notify you of any changes
      • Customer reviews and surveys
      • Re-engagement when existing product nears expiry
      • Identity
      • Contact
      • Profile and usage
      • Marketing and comms
      		 Performance of a contract
      Comply with a legal obligation
      Necessary for our legitimate interest
      To respond to case enquiries and input to & defend against complaints
      • Identity
      • Contact
      • Profile and usage
      • Transaction
      • Marketing and comms
      		 Comply with a legal obligation
      Necessary for our legitimate interest
      To perform affordability checks on behalf of an estate agent
      • Identity
      • Contact
      • Financial
      • Profile and usage
      		 Necessary for our legitimate interest
  3. General Third-Party Data Sharing.
    Whose Data do we share Third-Party Reason for Data Sharing Type of Data Shared
    Seller/Buyer Our mortgage partner To enable you to obtain mortgage advice Identity data
    Contact data
    Financial data
    Special category data
    Seller/Buyer Our Conveyancing Partner To provide you with a conveyancing quote Identity data
    Contact data
    Seller/Buyer Our surveying partner To provide you with a survey quote Identity data
    Contact data
    Seller/Buyer Licensed Credit Agencies Confirming identity to comply with Anti Money Laundering requirements, performing a credit assessment to assess your eligibility, obtaining a lender's decision in principle, and as part of a full application. Identity data
    Contact data
    Financial data
    Special category data
  4. How long do we keep your data?
    We will retain your data for up to six years past the end of any business relationship, after which time it will be securely destroyed.
  5. International data Transfers.
    The information that is collected by Finest Mortgage Solutions Ltd will not be transferred outside of the Kingdom.
  6. Security of your personal information.
    We will take reasonable technical and organisational precautions to prevent the loss, misuse, or alteration of your personal information.
    We will store all the personal information you provide on our secure (password- and firewall-protected) servers.
    All electronic transactions entered via the website will be protected by encryption technology.
    You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
  7. Your rights as a data subject
    You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to the following conditions:
    1. There will be no charge for the initial provision of your personal information. However, where requests from a data subject are manifestly unfounded or excessive, in terms of their repetitive character, we reserve the right to charge a reasonable fee taking into account the administrative costs of providing the information; and
    2. The supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).
    We may withhold such personal information to the extent permitted by law.
    1. Under the UK Data Protection Act 2018 you have rights in relation to your personal data. The rights available to you depend on our reason for processing your information. You have the following rights:
      • Right to be informed – You have a right to be told how we use your personal information.
      • Right of access – You have a right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please email.
      • Right of rectification - Under certain circumstances, you have the right to rectification if you believe your data is incorrect.
      • Right to erasure (Right to be forgotten) - Under certain circumstances, you have the right to erase your personal data.
      • Right to restrict processing - Under certain circumstances, you have the right to object to our processing your personal data or to restrict our processing of it.
      • Right of data portability – You have the right to have the personal data we hold on you transferred to another organisation;
      • Right to object - Where you have given consent to any processing (including marketing) you have the right to withdraw that consent at any time (but this doesn’t affect processing which we have done on that basis prior to you withdrawing consent).
      2. To exercise any of these rights please contact us at Ashley.davis@finestmortgages.co.uk
  8. Complaints
    We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy and comply with the Data Protection Act 2018. If you wish to make a complaint about how we have handled your personal data, in the first instance please contact us via email at Ashley.davis@finestmortgages.co.uk
    If, however, you believe that we have not been able to assist with your complaint or concern, you have the right to make a complaint to your local data protection authority the Information Commissioners Office.

    Information Commissioner’s Office
    Wycliffe House
    Water Lane
    Wilmslow
    Cheshire
    SK9 5AF

    Helpline number: 0303 123 1113