PRIVACY POLICY

SUMMARY

At My Life Mortgages Limited, the privacy and security of our customer’s personal data is one of our chief priorities. This policy outlines how we collect, utilise, share, and store your personal data. This policy is designed to inform customers what lawful bases we rely on, how to submit a DSAR request, what rights are afforded to our data subjects and how to make a complaint to the Information Commissioners Office (“ICO”). Please read this policy carefully and If you have any questions about this notice please contact us using the contact information below.

OUR FIRM INFORMATION

By ‘We’ or ‘Us’, we mean ‘My Life Mortgages Limited’ Company Number: 11491572. By “You” we mean the customer or individual who has accessed our website and/or service.

We are Registered in England and Wales. Registered Address: The Lakehouse Lakeside, Cheadle Royal Business Park, Cheadle, England, SK8 3AX. My Life Mortgages Limited is registered with the Information Commissioner’s Office, Registration Number: ZA458803

OUR CONTACT INFORMATION

Should you wish to get in touch with us, you can do so using the contact information below:
– Email: info@mylifemortgage.com
– Mail: My Life Mortgages, The Lakehouse Lakeside, Cheadle Royal Business Park, Cheadle, England, SK8 3AX

PURPOSE OF THIS POLICY

This Privacy Policy sets out how we use and protect any information that you provide to us through this website and by accessing our service.

Where we ask you to provide certain information by which you can be identified (i.e. Personal Data) after submitting such information it shall be used only in accordance with this Privacy Policy.

INFORMATION WE COLLECT FROM YOU

We may collect personal information from you when accessing our service and in order to provide you with our services. We have summarised the categories of data we collect from you, below:

Identity: First name, last name.
Employment: Employment status (i.e. employed, self-employed).
Contact: Current address and postcode, email address and telephone number.
Technical: Internet Protocol (IP) address, browser type and version, timer zone setting and location, browser plug-in types and versions, operating systems and platform and other technology on devices you use to access the website.
Profile: Your preferences, feedback and survey responses.
Usage: Information about how you use our website, products and services.
Financial: Your annual income and that of any other applicants, any adverse history such as a CCJ or IVA
Mortgage: Current residential status, the value of the property you wish to mortgage, the type of mortgage you currently have and how much you are looking to borrow.

DO WE COLLECT SPECIAL CATEGORIES OF PERSONAL DATA?

We may be required to process and store special category data in the form ‘Health Data’ where any
‘customer vulnerability’ has been identified. We will only record this information where you provide explicit
consent for us to do so. Explicit consent must be provided by a clear statement from you telling us that you
consent, rather than an affirmative action such a submitting a form.

We do not collect information pertaining to criminal convictions and offences; however, it is important to
note that criminal convictions or offences do not constitute Special Categories of Personal Data.

HOW DO WE COLLECT INFORMATION FROM YOU?

We have different methods of collecting data from and about you, including via:

Direct Interactions:

You may provide us with your identity, contact and financial data by completing online forms or by
corresponding directly with us via post, phone, email or otherwise. This includes the personal data you
provide when you:

  • Engage our products and services;
  • Provide us with feedback; or
  • Request marketing to be sent to you

Automated technologies or interactions

As you interact with our website, we may automatically collect Technical Data about your equipment,
browsing patterns and actions. This will be collated after acceptance of ‘cookie’ and other similar
technologies. Please refer to our Cookies Policy for further information.

Third Parties or publicly available sources

Identity and Contact Data from publicly available sources such as Companies House and the Electoral
Register, Regulator Registers and Social Media or Technical data from Analytics Providers.

PURPOSES AND LAWFUL BASES FOR PROCESSING PERSONAL DATA

Purpose for Processing Type of Data Lawful Basis for Processing
Processing and submitting your online enquiry to
our third-party mortgage broker who will then help
you to seek out a mortgage
Identity,
Employment,
Contact, Financial,
Mortgage
Consent
Informing you about changes to our site, products
and/or services
Identity, Contact Legitimate Interest
Communicating (and personalising such
communication) with you
Identity, Contact,
Profile, Usage
Legitimate Interest
Audit purposes, research and statistical analysis Technical, Profile,
Usage
Legitimate Interest
To administer and protect our business and this
website (including troubleshooting, data analysis,
testing, system maintenance, support, reporting and
hosting of data)
Identity, Contact,
Technical
Consent, Legitimate Interest
To respond to enquiries and handle complaints Identity, Contact, Profile, Usage Necessary to comply with a legal obligation, Legitimate interest

RECIPIENTS OF PERSONAL DATA

In providing our services, we will disclose your personal information to third parties in order to adequately provide our service or where we have a legal obligation to do so.

Third-Party Purpose Lawful Basis
Find a Mortgage Online Ltd (trading as Online Mortgage Advisor) Company number 8662127. To provide your information to the third party to enable them to provide the service to you that you have requested (Mortgage introduction for advice on available mortgage contracts). Consent
Force 24 Marketing Platform To provide communication and marketing services Legitimate Interest
Chosen Technology Partners Website, email and communication services Legitimate Interest

We may also need to disclose your information to the following:

  • HM Revenue & Customs, the Financial Conduct Authority, The Information Commissioner’s Office, other Regulators and other authorities based in the United Kingdom who require reporting of activities in certain circumstances.
  • Accountants, Solicitors, Compliance Consultants and other like services acting as processors based in the United Kingdom who require the reporting of processing activities in certain legal and compliance circumstances.
  • Third parties to whom we may choose to sell, transfer or merge parts of our business or assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change in these circumstances occurs, your personal data will be used in the same way as set out within this privacy policy.

INTERNATIONAL TRANSFERS

We do not transfer personal data outside the United Kingdom or the European Economic Area (EEA).

DATA SECURITY

We are committed to ensuring your information is safe and secure. In order to prevent unauthorised access or disclosure, we have implemented and maintained suitable physical, electronic and managerial procedures to safeguard and secure the information collected online. We aim for our customers to be completely confident in using our services, therefore we regularly review our processes and procedures to protect your personal information from unauthorised access, use, accidental loss, destruction or disclosure.

DATA RETENTION – HOW LONG WILL WE HOLD YOUR PERSONAL DATA?

We will only retain your personal data for as long as is necessary to fulfil our obligations under the provision of our service as well as any purposes necessary to satisfy any legal, 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 of 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, including applicable legal requirements.

Details of retention periods for different aspects of your personal data are available upon request. By law, we have to keep certain information about our customers and this data will be held solely and securely for those legal purposes.

YOUR RIGHTS AS A DATA SUBJECT

You have the following ‘Rights’ available to you regarding the processing of your personal data. Not all rights are absolute. It’s important to be aware of these rights and when you can exercise them, so we’ve set them out here.

If you wish to exercise any of the rights set out below, please contact us.

Your Right How it works
Right to Access The right of access, commonly referred to as subject access, gives individuals the right to obtain a copy of their personal data as well as other supplementary information. it helps you to understand how and why we are using your data, and to check we are using it lawfully.
Right to Rectification You have the right to have inaccurate personal data rectified. you may also be able to have incomplete personal data completed – although this will depend on the purposes for the processing. this may involve providing a supplementary statement to the incomplete data.
Right to Erasure Under certain circumstances you have the have the right to have personal data erased. also known as ‘the right to be forgotten’. the right is not absolute.
Right to Restrict Processing Under certain circumstances you have the right to request the restriction or suppression of your personal data, and as like the right to erasure, it is not absolute. restriction of processing means we are permitted to store your personal data; we are unable to use it.
Right to Data Portability You have the right to obtain and reuse your personal data for your own purposes across different services. this eases the copying or transferring of personal data easily from one it environment to another, safely and security, without affecting the usability of the data.
Right to Object Under certain circumstances you have the right to object to the processing of your personal data, however, you do have the absolute right to object to direct marketing.
Right to Be Informed You have the right to be informed about the collection and use of your personal data. your right to be informed forms part of this policy, and provides the purposes for processing your data, our retention periods and who it will be shared with.

SUBJECT ACCESS REQUESTS

You have the right to access your personal information. Also known as a Data Subject Access Request (DSAR). This means you are entitled to obtain the following information about yourself:

  • Confirmation that we are processing their personal data;
  • A copy of their personal data; and
  • Other supplementary information;

A third party may make a request on your behalf. We will require evidence from the third party as to evidence this entitlement and this may take the form of a written authority or be a more general power of attorney.

How do we provide you with the data you have requested?

If you make a request electronically (via electronic means), we will provide the information in a commonly used electronic format unless you have specified otherwise. Please note, we may extend the time to respond by a further two months if the request is complex or you have made multiple requests. As you have the right to be informed, we will always ensure you are notified within one month of receiving the request, accompanied by an explanation.

How Long do we have to comply with a request?

We must act on your subject access request without undue delay and at the latest within one month of receipt. This is calculated as beginning from the day following receipt of the request until the corresponding calendar date the following month. We may request your identity to satisfy the request, however, this will be proportionate to the request itself and if we have doubts of the authenticity of identification.

Will it cost you anything?

For the vast majority of requests, we cannot charge you a fee. Where the request is manifestly unfounded or excessive, we may charge a reasonable fee to cover the administrative costs of complying with the request. This also applies in the event that you request further additional copies of data following your initial request. This will again be charged as an administrative cost.

THE RIGHT TO WITHDRAW CONSENT

If you have given us consent to process your personal data you have a right to withdraw that consent at any time, including but not limited to the removal of consent to be contacted for marketing purposes. You can request this using the following contact details:
Our Contact Information:

– Email: info@mylifemortgage.com
– Mail: My Life Mortgages, The Lakehouse Lakeside, Cheadle Royal Business Park, Cheadle, England, SK8 3AX

THE RIGHT TO COMPLAIN TO THE INFORMATION COMMISSIONER’S OFFICE

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority 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.

THIRD-PARTY LINKS

This website includes links to third-party websites. Clicking on these links or enabling these connections may allow third parties to collect or share data about you. We do not control these third-party websites and are thus not liable nor responsible for their privacy statements or data usage. We encourage navigation to any third-party websites Privacy Policy to ensure understanding of how your data is affected.

COOKIES

A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things such as remembering your preferences, recording what you have put in your shopping basket, and counting the volume of people accessing the website.

Upon entering our website, we will request that you either accept or reject our use of cookies. Cookies assist us in providing a better service and website. The use of cookies allows the website to recognise your device and store information concerning your preferences or past actions. Whilst cookies are useful for our website to use and can help us to provide our service to you, you do not need to accept their use.

For more information on our use of Cookies, please see our Cookie Policy.

UPDATES TO THIS POLICY

We may make changes to this privacy policy from time to time. You should check this page regularly to see our most up to date policy. We will tell you about any changes to this privacy policy by showing the date of the changes in the “Last Updated” section above.