As the controller of your data, Mortgage Knight Ltd complies with and is registered under the Data Protection laws in the United Kingdom. We take all reasonable care to prevent any unauthorised access to and use of your personal information.
Why do we collect your personal information?
We collect personal information about you in order to:
Process your application for a mortgage or protection product;
To review your mortgage or protection product as part of an on-going client relationship with us as your broker;
To respond to complaints and case enquiries.
Your personal information is required to enter into any contract you may undertake with us as your broker for a mortgage or protection product, and for us to provide information on relevant products and services. Without this information, it would not be possible for us to provide these services.
The personal information we collect
Personal information collected include:
Your name
Your date of birth
Postal and email address
Telephone contact details
Employment details
Financial information (bank statements, income & expenditure details, debit card details, savings, debts such as loans and credit cards, other assets, and employer & pension benefits)
Special categories of personal data such as medical history for protection products
Other related information to support your application and confirm your identity (such as UK residency status, retirement age)
The majority of this personal information is collected by our mortgage advisors when completing our fact find for a mortgage or protection product, from our mortgage administrators as part of our internal compliance checks or from the enquiry form on our website.
How do we use your personal information?
As your broker, we use your personal information to discuss your personal circumstances with mortgage lenders and/or protection providers, in order to determine the most appropriate product for your needs.
The personal information you provide may be used by automated decision-making systems to check your eligibility for products and services. A lender may then undertake credit enquiries upon receipt of your mortgage application.
Your personal information may be shared with Mortgage Knight Ltd approved contractors or agents, in order to maintain the customer relationship by providing continuing advice as your broker and to inform you about relevant products and services.
Who we disclose personal information to
We disclose personal information to third parties such as lenders and protection product suppliers, but only to what is necessary to conclude the mortgage and/or protection contracts and the ongoing servicing of these contracts.
It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Mortgage Knight Ltd
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your information, and to use your personal information only in the course of providing such services as specified by Mortgage Knight Ltd
Finally, under limited circumstances, your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations, for instance, to meet our obligations to the Financial Conduct Authority (FCA) and when responding to subject access requests, proceedings of a court of law or similar legal process, to protect against fraud, and to otherwise cooperate with law enforcement or regulatory authorities.
The personal information you provide will not be passed to any third-party organisation for marketing purposes.
Personal information and marketing purposes
You will have the opportunity to indicate if you wish to receive communications from Mortgage Knight Ltd about relevant services and products, together with other marketing communications when you provide your personal information.
If you subsequently want Mortgage Knight Ltd to cease using your personal information for these purposes, please contact our team at [email protected]
If you subsequently want Mortgage Knight Ltd to cease using your personal information for these purposes, please contact our team at [email protected]
Cookies
What cookies Mortgage Knight Ltd use and why
Cookies are small text files, which often include a unique identifier that is sent by a web server to your computer, mobile phone or any other internet enabled device (“device”) when you visit a website. Cookies are widely used in order to make websites work efficiently and help provide us with business and marketing information to enable us to make informed decisions on the development of our websites.
We use three main types of cookies
‘Performance’ cookies
These help us see how you use our website e.g. which pages you visit. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve the performance of our website, understand what interests our users and measure how effective our advertising is.
We use performance cookies to:
Analyse the performance of our website
Help us improve the website by measuring any errors that occur
See how effective our adverts are (this isn’t shared with 3rd parties).
Sometimes cookies are managed for us by third parties, but we don’t allow the third party to use the cookies for any purpose other than those listed above.
By using our site you accept the use of ‘Performance’ cookies.
‘Identification’ cookies
These are used to help us customise website content based upon your selections.
We use identification cookies to:
Remember choices you have made such as identifying yourself as an IFA or Adviser.
Show you when you’re logged in to the website.
Target you with adverts on other websites
You can control whether or not these cookies are used, but preventing them may mean you are unable to access certain features or services. Preventing these cookies may stop us remembering that you didn’t want a specific feature or service.
By using our site you accept the use of ‘Identification’ cookies.
‘Targeting’ cookies
These are used to send you relevant information and see which content you use.
We use targeting cookies to:
Send you customised news content via email
Track which content you use.
Target you with adverts on other websites
By using our site you accept the use of ‘Targeting’ cookies.
Third party cookies
There are a number of third parties which provide Mortgage Knight Ltd with content and functionality on our website, some of these providers will use cookies to ensure the particular areas of the site work.
The site also has Social Interaction links (such as Facebook or Twitter). Mortgage Knight Ltd does not control any cookies that may be sent when using these external websites. For more information on these, it is advised to check their cookie policies.
How to withdraw consent to, control and/or delete cookies
It is possible to remove cookies or block them from recording this information. This is generally found in the Options menu then Privacy section of your particular browser. Each browser is slightly different and constantly updating. For more information consult the Help menu of your browser.
This information has been provided to show our commitment to legislation regarding cookie awareness so that you can understand what cookies we use and why we use them. This ensures transparency in the data collected from you.
Further information
- Cookie Directive – https://www.ico.org.uk
- Information about cookies – https://www.allaboutcookies.org
- Internet Advertising Bureau – https://www.youronlinechoices.eu
- International Chamber of Commerce United Kingdom – https://www.cookielaw.org/wp-content/uploads/2019/12/icc_uk_cookiesguide_revnov.pdf
How long is your personal information retained?
How long do we keep hold of your information?
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.
We’re are also subject to regulatory requirements to retain your data for specified minimum periods.
These are, generally:
- Six years for mortgage business from date of completion
- Three years for mortgage business that does not complete
- Six years for protection business from on risk date
These are minimum periods, during which we have a legal obligation to retain your records.
We reserve the right to retain data for longer where we believe it’s in our legitimate interests to do so. In any case, we’ll not keep your personal data for longer than 6 years after our relationship with you has ended.
You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
Accessing your personal information
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.
When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
Changes to our Privacy Notice
We keep our Privacy Notice under regular review and we will place any updates on this web page. This Privacy Notice was last updated on 01/12/2023.
Questions
If you have any questions or complaints relating to how we use your personal information, or if you wish to exercise any of your rights regarding your personal information, You can do this by emailing us at [email protected], or call us on 0208 143 7777 or write to us at 5 Century Court, Tolpits Lane, Watford, WD18 9PX
We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.
What if I am still not satisfied?
If you are not satisfied with how Mortgage Knight Ltd has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline number: 0303 123 1113, ICO website: https://www.ico.org.uk
