You can access this privacy statement via our homepage and from the bottom of every page.
In general, you can visit our site without identifying yourself or revealing any personal information. Once you choose to provide us with any information by which you can be identified, then you can be assured that it will only be used in accordance with this privacy statement.
This Mortgage Source privacy notice provides information on how we and any of our subsidiaries, and any 3rd party providers collect, use, secure, transfer and share your information. Mortgage Source are a mortgage and insurance intermediary firm and we will collect information directly from you. It should be noted that as part of the Financial Conduct Authority's (FCA's) regulatory process we are Appointed Representatives of Mortgage Intelligence Ltd and are required to enter your details onto their systems. Details of their Privacy Notice can be found at www.experiencemi.co.uk .
Mortgage Source has its head office at:
Suite 1 - Winter Works
119 Winter Road
1.1. Types of Information Collected.
Mortgage Source will typically collect but are not limited to:
How many Dependants
Personal Loan Details
Personal Debt Details
Dependants Date of Birth
Existing Mortgage Details
Previous employers details
Date of birth
Existing Insurance Details
Employers Phone number
Credit Card Statements
New Property Details
Proof of Deposit
Credit Card Details
Estate Agent Details
Self Employed Accounts
New Mortgage Details
New Insurance Details
Criminal Offences /Convictions
1.2. Methods of Collection
In our general conduct of business, we collect information relevant to the provision of mortgage and insurance intermediary advice from:
Such information will generally be collected by us via the use of any of our standard forms, over the internet, via email, or through a telephone conversation with you. We may also collect personal information through our affiliates or suppliers.
In addition, you may choose to submit information directly to us via several methods, including:
You may also agree to third parties disclosing information about you to us that those third parties have collected.
We, our service providers and partners collect certain information by using automated means, such as cookies and web beacons, when you interact with our advertisements, mobile applications, or visit our websites, pages or other digital assets. The information we collect in this manner may include: IP address, browser type, operating system, referring URLs and information on actions taken or interaction with our digital assets.
We may use third-party web analytics services on our websites and mobile apps. The analytics providers that administer these services use technologies such as cookies and web beacons to help us analyse how visitors use our websites and apps.
"Your Rights and Choices" section of this Privacy Notice specifies your ability to limit the usage of the information collected.
1.3. Purposes of Collection
Generally, we will collect, use and hold your information for the purposes of:
1.4. Lawful basis of processing
Mortgage Source processes your information under the following basis:
1.5. Information We Share
We do not sell or otherwise disclose personal information we collect about you, except as described in this Privacy Notice or as indicated via a consent process at the time the data is collected. We share the information we collect with, but not limited to:
We contractually require these service providers to safeguard the privacy and security of personal information they process on our behalf and authorise them to use or disclose the information only as necessary to perform services on our behalf or comply with legal requirements
On websites, features can be accessed where we partner with other entities that are not affiliated with us. These include social networking, geo-location tools etc. are operated by third parties (indicated appropriately) who may use or share personal information in accordance with their own privacy policies. It is recommended that you review the third parties' privacy policies if you use the relevant features.
We reserve the right to transfer your information in the event of a sale or transfer (wholly or partially) of our business or assets, with reasonable efforts for the acquirer to protect / use your information consistent with our Global Privacy Notice. You can exercise your rights to contact the acquiring entity with questions concerning the protection and processing of your information.
1.6. How long do we keep information for
We will keep information for a reasonable amount of time in order to perform the purposes listed above.
We only keep your information for as long as necessary. We generally keep personal information for 7 years after last contact with you. However, we reserve the right to keep information for longer if we feel that this is in the legitimate interests of Mortgage Source.
1.7. International Data Transfers
We and/or associated third parties may transfer the personal information collected about you to recipients in countries other than the country in which the information was originally collected. Those countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to other countries, we will protect that information as described in this Privacy Notice or as otherwise disclosed to you at the time the data is collected (e.g. via program specific privacy notice).
For the purposes of business conduct, enhancement, identification of fraud, money laundering and other potential unauthorised activities, we may engage in profiling activities via direct use or anonymisation of sensitive personal information.
1.9. Direct Profiling
1.10. Indirect Profiling
Indirect profiling via anonymisation of personal information is also used for preparing and furnishing aggregated data reports showing anonymised information, including, but not limited to, the following:
1.11. Your Rights and Choices
Your rights regarding the sensitive / personal information we maintain about you enable you to exercise choices about what personal information we collect from you, how we use that information, and how we communicate with you.
1.12. Access and Correction
You may have the right to:
The right to access personal information may be limited in some circumstances by local law requirements.
To exercise these rights, please see details below of requirements:
1.13.1 Update and correct inaccuracies in your personal information
If you feel that the information we hold about you is incorrect or inaccurate you can contact us outlining the information you feel is incorrect or inaccurate
If we refuse to correct your personal information, we will provide you with a written notice that sets out the reasons for our refusal (unless it would be unreasonable to provide those reasons) and provide you with a statement regarding the mechanisms available to you to make a complaint. We will provide you with access to information we hold about you
1.13.2 Object to the processing of your personal information
If you would like to object to any processing of your information by us you can contact us outlining what processing of information you would like to object to.
1.13.2 Have the information blocked, anonymised or deleted.
If you would like us to delete, block or anonymise information we hold about you, you can contact us outlining what information you would like deleted, blocked or anonymised.
To update your preferences, ask us to remove your information from our mailing lists or submit a request to access, update, correct or delete your personal information, please contact us as specified in the "How To Contact Us" section below.
1.14. Opting out of processing
You can opt out of collection of personal information by automated means e.g. when visiting our website or visit third-party websites and interacting with our adverts, by using the Cookie Consent tool displayed in the website (the browser you use may provide options on how to opt out of receiving certain types of cookies). However, without cookies you may not be able to use all of the website features and/or online services.
You can at any time tell us not to send you marketing communications by:
1.15. Withdrawal of consent
If we obtain your information by consent you have the right to withdraw any consent you previously provided to us.
If we process your information under legitimate interest you can object at any time on legitimate grounds, to the processing of your personal information.
Mortgage Source will apply your preferences going forward. Doing so will mean that you cannot take advantage of certain Mortgage Source and affiliate products, services and promotions.
The right to consent removal may be limited in some circumstances by local law requirements and you will be informed appropriately.
1.16 How to Contact Us / Complaints and Feedback
Please e-mail us at: email@example.com
Or write to us at:
Suite 1 - Winter Works
119 Winter Road
To assist us in responding to your request, please give full details of the issue. We attempt to review and respond to all complaints within a reasonable time.
If we cannot for lawful reasons complete your request we will explain this to you to the extent that we lawfully can.
How to make a complaint
Mortgage Intelligence/ Mortgage Next and FYB treat all complaints seriously and we aim to deal with them quickly, objectively and fairly.
You can make a complaint to us via any of the following methods:
Telephone: 0345 130 7446, option 6 (Compliance)
In writing: Complaints Department, Mortgage Intelligence, 4th Floor, Roddis House, 12 Old Christchurch Road, Bournemouth, Dorset, BH1 1LG
Once we have received your complaint, we will look to resolve it as quickly as possible. Ideally, and where the facts are quite clear, we will do this within 3 working days.
If we cannot resolve your complaint within 3 working days, then we will write to you (within 5 working days of your initial complaint) acknowledging the complaint and confirming our understanding of it. Within our acknowledgment we will reconfirm the timescales for our investigation. In order for us to conduct a full investigation into your complaint and provide you with a full, accurate and fair response, we will also ask you to provide us with as much information as possible about the complaint. Finally, we will also confirm your allocated complaints handler, who will be your point of contact throughout. You can contact them at any point if you have any concerns or questions about the complaint handling process.
If we have not been able to resolve your complaint within 4 weeks, then the Complaints Handler will make contact with you and provide you with an update on the progress of our investigation.
If we have not been able to resolve your complaint within 8 weeks, then the Complaints Handler will make contact with you again and explain why we have been unbale to do so. At this point you can let us continue our investigation or, if you are dissatisfied with the delay, you will have the right to refer your complaint to the Financial Ombudsman Service.
How we will inform you of our decision
Once we have fully completed our investigation of your complaint, our Complaints Handler will send you a final response letter. This letter will be sent to you via secured e-mail, unless you have indicated to us that you would prefer contact via a different medium. The letter will reiterate our understanding of your complaint and contain a clear and detailed explanation of our investigation. The letter will confirm the outcome of our investigation and the reason why we have come to our conclusion.
If you remain unhappy after we have responded to your complaint
If you remain unhappy after we have issued our final response, you have the right to refer your complaint, free of charge, to the Financial Ombudsman Service. The Ombudsman will then undertake a completely independent review of your complaint and decide if they believe that we have made the correct decision. To find out more about the Financial Ombudsman Service and how to refer your complaint to them you can visit their website at:
Please note that for the Financial Ombudsman Service to consider your complaint you must refer it to them within 6 months of our final response being issued.
You can refer your complaint to the Financial Ombudsman Service via any of the following methods:
Telephone: 0800 023 4567
In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
1.17 How We Protect Personal Information
The security of your personal information is very important and we are committed to protecting the information we collect. We maintain administrative, technical and physical safeguards designed to protect the personal information you provide or we collect against accidental, unlawful or unauthorised destruction, loss, alteration, access, disclosure or use.
We use SSL encryption on our website from which we transfer certain personal information.
We store personal information only for as long as it is necessary for the fulfilment of the purpose for which the personal information was collected, unless otherwise required or authorised by applicable law. We take measures to destroy or permanently de-identify personal information if required by law or if the personal information is no longer required for the purpose for which we collected it.
1.18 Review and Updates
This privacy notice may be updated from time to time and you should review it on a regular basis.