07834 956 888 tye@themortgagefiles.co.uk

Privacy Policy

BACKGROUND:

The Mortgage Files Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.themortgagefiles.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately

  1. Definitions and Interpretation

    In this Policy the following terms shall have the following meanings:

    “Account”

    means an account required to access and/or use certain areas and features of Our Site;

    “Cookie”

    means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;

    “Cookie Law”

    means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;

    “personal data”

    means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”);

    “We/Us/Our”

    means The Mortgage Files Ltd, a Company registered in England and Wales.
  2. Information About Us
    1. Our Site is owned by The Mortgage Files Ltd and operated by Rubix Technology Ltd.
  3. What Does This Policy Cover?

    This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

  4. Your Rights
    1. As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
      1. The right to be informed about Our collection and use of personal data;
      2. The right of access to the personal data We hold about you (see section 12);
      3. The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
      4. The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
      5. The right to restrict (i.e. prevent) the processing of your personal data;
      6. The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
      7. The right to object to Us using your personal data for particular purposes; and
      8. Rights with respect to automated decision making and profiling.
    2. If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
    3. For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
  5. What Data Do We Collect?

    Depending upon your use of Our Site, We may collect some or all of the following personal and non-personal data (please also see section 13 on Our use of Cookies and similar technologies.

    1. name
    2. date of birth;
    3. gender;
    4. business/Firm name
    5. job title;
    6. profession;
    7. contact information such as email addresses and telephone numbers;
    8. demographic information such as post code, preferences, and interests;
    9. financial information such as credit / debit card numbers;
    10. IP address;
    11. web browser type and version;
    12. operating system;
    13. a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
  6. How Do We Use Your Data?
    1. All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
    2. Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:
      1. Supplying Our services to you (please note that We require your personal data in order to enter into a contract with you);
      2. Replying to emails from you;
      3. Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by contacting us advising that you opt out;
      4. Market research;
    3. With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email with information, news, and offers on Our services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
    4. You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.
    5. We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
      1. Contact details until you advise not to retain them.
      2. Bank details will be deleted as soon as a payment is made to you.
      3. CV’s and job applications for 12 months;
      4. General enquiry email (when you have not proceeded to instruct our firm) – 12 months
  7. How and Where Do We Store Your Data?
    1. We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
    2. Your data will only be stored in the UK.

      Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.

    3. Steps We take to secure and protect your data include:
      1. All PC’ and mobile devices are locked with passwords and usernames
      2. Appropriate firewall protection obtain through our web hosting company.
      3. Removal of usernames and passwords for people that are no longer employed by the company or no longer need access to our systems.
  8. Do We Share Your Data?
    1. Subject to section 8.2, We will not share any of your data with any third parties for any purposes.
    2. In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal obligations, a court order, or a governmental authority.

      In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

  9. What Happens If Our Business Changes Hands?
    1. We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
    2. In the event that any of your data is to be transferred in such a manner, you will not be contacted in advance and informed of the changes
  10. How Can You Control Your Data?
    1. When you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details)
    2. You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
  11. Your Right to Withhold Information
    1. You may access certain areas of Our Site without providing any data at all.
    2. You may restrict Our use of Cookies.
  12. How Can You Access Your Data?

    You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge.

  13. Our Use of Cookies
    1. Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
    2. All Cookies used by and on Our Site are used in accordance with current Cookie Law.
    3. Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our services.
  14. Contacting Us

    If you have any questions about Our Site or this Privacy Policy, please contact Us by email at tye@themortgagefiles.co.uk. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as above).

  15. Changes to Our Privacy Policy

    We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.