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The Mortgage Broker St Neots Ltd and its group companies The Mortgage Broker Ltd and The Commercial Broker Ltd. This privacy notice explains how we use any personal information we collect about you.


What information do we collect about you?

We collect information about you when you engage us for mortgage and protection services. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.


Information about connected individuals

We may need to gather personal information about your close family members and dependants in order to provide our service to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We’ll provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them.


Why do we need to collect and use your personal data?

The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.


How will we use the information about you?

We collect information about you in order to provide you with the services for which you engage us.


Who might we share your information with?

If you agree, we may email you about other products or services that we think may be of interest to you.

We won’t share your information for marketing purposes with companies outside our group of companies.

In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional compliance, accountancy or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.    

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit. We do this by encryption of our company’s server and only supplying data to companies that adhere to the new General Data Protection Regulation.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.


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. 


How can I access the information you hold about me?

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.


Marketing 

We’d like to send you information about our products and services and those of other companies in our group which may be of interest to you. If you’ve agreed to receive marketing information, you may opt out at a later date.

You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the group. If you no longer wish to be contacted for marketing purposes, please contact us by email or post, or via our website by clicking here. Insert link as appropriate if displaying your privacy notice online.


Cookies

We use cookies to track visitor use of the website and to compile statistical reports on website activity.

For further information visit https://www.allaboutcookies.org/

You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.


What cookies do we use?

Mandatory Cookies

These cookies are essential to the proper functioning of our website and enable you to use its features, such as accessing secure areas of the site. Without these cookies, you will not be able to perform core site functions such as logging in, or purchasing products.

Cookie name

Provider

Purpose

PHPSESSID

The Website

  1. Creates a unique session for your device, allowing a platform for login and shopping functions. No personal or device information is collected or stored.
  2. Ensures any marketing popups are only displayed a reasonable number of times and not repeatedly.
  3. If you login, you will be given access to parts of the site for registered members.
  4. Allows us to perform layout testing, so you only receive one version per device to avoid confusion when you view the same page on the same device

 

Performance Cookies

These cookies collect information about usage of our website, for instance which pages are visited, which buttons are clicked and whether any error messages are encountered. These cookies don’t collect any personally identifiable information; they are purely to ensure our website is tailored for you.

Cookie name

Provider

Purpose

_hjIncludedInSample

Hotjar

  1. This session cookie is set to let Hotjar know whether that visitor is included in the sample which is used to generate Heatmaps, Funnels, Recordings, etc.
  2. https://help.hotjar.com/hc/en-us/articles/115011789248-Hotjar-Cookies

hjClosedSurveyInvites

Hotjar

This cookie is set once a visitor interacts with a Survey invitation modal pop-up. It is used to ensure that the same invite does not re-appear if it has already been shown.

_hjDonePolls

Hotjar

This cookie is set once a visitor completes a Poll using the Feedback Poll widget. It is used to ensure that the same Poll does not re-appear if it has already been filled in.

_hjMinimizedPolls

Hotjar

This cookie is set once a visitor minimizes a Feedback Poll widget. It is used to ensure that the widget stays minimized when the visitor navigates through your site.

_hjDoneTestersWidgets

Hotjar

This cookie is set once a visitor submits their information in the Recruit User Testers widget. It is used to ensure that the same form does not re-appear if it has already been filled in.

_hjMinimizedTestersWidgets

Hotjar

This cookie is set once a visitor minimizes a Recruit User Testers widget. It is used to ensure that the widget stays minimized when the visitor navigates through your site.

_hjDoneSurveys

Hotjar

This cookie is set once a visitor completes a survey. It is used to only load the survey content if the visitor hasn’t completed the survey yet.

_hjShownFeedbackMessage

Hotjar

This cookie is set when a visitor minimizes or completes Incoming Feedback. This is done so that the Incoming Feedback will load as minimized immediately if they navigate to another page where it is set to show.


Functionality Cookies

These cookies remember choices you make to improve your experience and allow the Website to provide enhanced and more personal features. They may also be used to provide functionality such as social media interaction. Some of these remember that you have visited a website and this information is shared with other websites who will present you relevant products. This type of advertising is designed to provide you with a selection of products that is personalised for you.

Cookie name

Provider

Purpose

_ga*

Google Analytics

Cookies for analytics programmes allow us to see how customers use the The Mortgage Broker website, where there are problems with its design and functionality, and where we can improve customer experience. These cookies do not trace personal information such as your name, but can track how often your computer visits a website, which pages your computer visited and in which order, and where you left the website. This type of information helps to make the The Mortgage Broker website and marketing campaigns more relevant; it never shows personally identifiable data and is not seen by anyone outside of the The Mortgage Broker or Google organisations. For a full description of Google’s use of cookies, please see:
http://code.google.com/apis/analytics/docs/concepts/gaConceptsCookies.html

 

AddThis

Our website may allow you to share experience with your social networks. We use a 3rd party tool to enable this called “AddThis” You can opt out of these cookies at the following location:
http://www.addthis.com/privacy/opt-out

 

Facebook

Commonly called a ‘Facebook Pixel” – This allows us to track how our Facebook adverts are performing.


Sharing our pages

If you take the opportunity to ‘share’ content with friends through social networks such as FacebookTwitterGoogle+Pinterest and Instagram, you may have cookies from these websites stored on your computer. We don’t control the setting of these cookies, so we suggest you check the third-party websites for more information about their cookies and how to manage them. You can find more information on social network policies on privacy and cookies by clicking the links above.

If you’d like to learn more about cookies in general and how to manage them, visit allaboutcookies.org (opens in a new window).


Managing cookies on your device

Cookies are perfectly safe to be stored on your computer and almost all web browsers have cookie storage enabled as a default setting. However, all browsers have the option to disable cookie storage on your computer if you wish to do this. Please be aware disabling cookies will limit the functionality we can offer at the The Mortgage Broker website. To find out more about setting your cookie preferences visit the website appropriate to your own browser.


How to enable cookies in different browsers

Cookies should be enabled by default in your browser, so if you have not changed your settings you should expect to be accepting cookies from the websites you browse. Disabling your cookies will limit your experience of The Mortgage Broker website and many other websites online. If you wish to change your cookie settings we have provided a guide below for you. Please remember, if you do disable your cookies, you can allow cookies from certain approved websites, by adding the website homepage to your exceptions list.

First, find out what your default web browser is on your machine, or the browser you use most often to access the internet. To work out which browser you are using, simply open the internet as usual, and then follow the steps below:


Apple Mac Users

Open the internet as usual and click on the Apple icon in the top left corner. Choose the ‘About’ option. This will tell you the browser type and version you are using.

Safari on OSX
  1. Click on ‘Safari’ at the top of your browser window and select the ‘Preferences’ option
  2. Click on ‘Security’ then ‘Accept cookies’
  3. Select the ‘Only from site you navigate to’
Microsoft Internet Explorer 5.0 on OSX
  1. Click on ‘Explorer’ at the top of your browser window and select ‘Preferences’ options
  2. Scroll down until you see ‘Cookies’ under Receiving Files
  3. Select the ‘Never Ask’ option
Mozilla
  1. Click on ‘Tools’ at the top of your browser window and select Options
  2. Then select the Privacy icon
  3. Click on Cookies, then select ‘allow sites to set cookies’


PC Users

Open the internet as usual. In the tool bar at the top of your browser click ‘Help’ and choose the ‘About’ option from the drop down. This will tell you the browser type and version. Once you know the browser you are using you can find the cookie settings using the guide below relevant for your browser:

Google Chrome
  1. Click on ‘Tools’ at the top of your browser window and select Options
  2. Click the ‘Under the Hood’ tab, locate the ‘Privacy’ section, and select the ‘Content settings’ button
  3. Now select ‘Allow local data to be set’
Microsoft Internet Explorer 6.0, 7.0, 8.0
  1. Click on ‘Tools’ at the top of your browser window and select ‘Internet options’ , then click on the ‘Privacy’ tab
  2. Ensure that your Privacy level is set to Medium or below, which will enable cookies in your browser
  3. Settings above Medium will disable cookies
Mozilla Firefox
  1. Click on ‘Tools’ at the top of your browser window and select Options
  2. Then select the Privacy icon
  3. Click on Cookies, then select ‘allow sites to set cookies’
Safari
  1. Click on the Cog icon at the top of your browser window and select the ‘Preferences’ option
  2. Click on ‘Security’, check the option that says ‘Block third-party and advertising cookies’
  3. Click ‘Save’


Other websites

Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.


What can you do if you are unhappy with how your personal data is processed?

You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF    

0303 123 1113 (local rate)


Changes to our privacy policy

We keep our privacy policy under regular review and we’ll place any updates on this web page (and/or) inform you of any changes when they occur.  This privacy policy was last updated on 14/05/2018.


How to contact us

Please contact us if you have any questions about our privacy policy or information we hold about you: by email at darren@tmblgroup.co.uk

Or write to us at 8 Steel Close, Eaton Socon, St Neots, Cambridgeshire PE19 8TT

Privacy and Cookies

Call us FREE on 08000 320 316

Or if you prefer, just fill in this simple form and one of our experts will get back to you as soon as possible.