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Privacy statement

Introduction

Mortgage Business Financial Advisers Limited (herein referred to as Mortgage Business) recognizes that your privacy and the protection of your personal information are important to you – this statement discloses how we help to protect your personal information.
Mortgage Business is registered under the Data Protection Act 1998 under registration number Z7467250.  The information you provide is safeguarded under the terms of that Act. To find out more information about the data protection act please visit: http://www.informationcommissioner.gov.uk

Collection of your personal information

Mortgage Business will not use or share your personal information in a manner that differs from what is described within this Privacy Statement without your prior consent. Your data together with that of other users may be aggregated for the building of statistical and analytical tables. At no time will your data be individually identifiable in such tables.

How Your Information Will Be Used

Your information will be used for a number of purposes including:
  • To ensure that content from our site is presented in the most effective manner for you and your computer.
  • To carry out our obligations arising from any contracts entered into between you and us.
  • To allow you to participate in interactive features to our service, when you choose to do so.
  • To notify you about changes to our service.
  • If you choose to apply for a mortgage or protection product, we will use your information to process your application, managing and administering your case and responding to complaints as well as case enquiries. We’ll also contact you to remind you to review your products at the appropriate time.
Mortgage Business does not sell the personal information we hold. Information may, in the ordinary course of business, move between Mortgage Business, associated companies and to our contractors, which may involve keeping the estate agent(s) you are using updated on the progress of your application.
From time to time we'll tell you about new services. You can choose not to receive this information when you meet with us during the arrangement of your mortgage. We may also want to provide you with related information from third parties that we think may be of interest to you or whose products or services may be of interest to you.
You can change your instructions at any time by writing to the Marketing Department at:

Mortgage Business Financial Advisers Limited
14 St Thomas Road
Brentwood, Essex
CM14 4DB

Or email enquiry@mortgagebusiness.net

Managing your personal information

As a customer of Mortgage Business we take your right to privacy very seriously. We will not disclose information about you or your accounts to anyone, other than where we have your consent, or where we are compelled or allowed by law to do so.
Most of the information we hold is stored electronically on computer systems. However, some data, for example the details you handwrite on an application form may be held as manual or paper copies. We are confident that our systems are secure, and that no one will be able to access your information unlawfully.
You are entitled to see the information held about you and you may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If you wish to do this, please contact us.
We are entitled by law to charge a maximum fee of £10 to meet our costs in providing you with details of the information we hold about you.

Security and storage of your personal information

The Internet is not a 100% secure medium for communication and, accordingly, Mortgage Business cannot guarantee the security of any information you send to us via the Internet. Mortgage Business is not responsible for any loss or damage you or others may suffer as a result of the loss of confidentiality of such information.
Mortgage Business is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities.
If you decide to provide us with any information, then you expressly authorize us to use your information in accordance with this policy. Additionally, the Financial Conduct Authority (FCA) requires us to make records to evidence the suitability of the recommendations we offer and in most instances, we will be unable to provide you with a product or service if you do not provide us with the necessary information or give us your permission to process and store your data.
Your home may be repossessed if you do not keep up repayments on your mortgage.

An administration fee of £99 is payable on application, there may also be a fee for mortgage advice. The precise amount of the advice fee will depend upon your circumstances but we estimate that it will be, for example, £250 for loans under £100,000. We will also be paid commission from the lender. The FCA do not regulate some forms of mortgage.