• Methods of Collection

In our general conduct of business, we collect information relevant to the provision of mortgage and insurance intermediary advice from:

• yourself

• next of kin

• spouse / partner / family member

• Business associates

• Employers

• “Trusted” sources including:

  • Government / Land / Police registers

  • Credit / Default Agencies

  • Financial Institutions (Banks, Building Societies, Loan Agencies, Credit Card companies)

  • Insurance Companies

  • Law firms

  • Doctors

  • Through consent to third parties disclosing information about you to us that they have collected

 

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:

• in response to marketing or other communications

• through social media

• by signing up for a product or service

• through participation in an offer, program or promotion

• in connection with an actual or potential business or employment relationship with us

 

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.

• Purposes of Collection

Generally, we will collect, use and hold your information for the purposes of:

  .    Carrying out electronic checks, including checks of your identity, using data from third parties

• Undertaking our regulatory responsibility for assessing the suitability of advice

• Dealing with lenders and providers to assist in providing a product or service

• Providing relevant information on mortgage and insurance products and related services that may be of interest

• Processing payments / transactions including: Accounting, Authorisation, Clearing, Chargebacks, Auditing, Billing, Reconciliation, Collection, Complaints, Enquiries, Credit Checks and related dispute resolution activities

• Protecting against and preventing fraud, money laundering, tax evasion, claims, other liabilities and managing risk exposure and agent /franchise quality, integrity, compliance and security of business processes

• Operating, monitoring, evaluating and improving our products, services, websites, mobile applications, other digital assets and business:

  • Developing new products and services

  • Managing communications, assessing effectiveness and optimising advertising

  • Functionality of our websites, mobile applications and other digital assets

• Enforcing our “Terms of Use”, other legal rights as may be required by applicable laws and regulations or requested by any judicial process or governmental agency having or claiming jurisdiction over us or our affiliates.

• Complying with industry standards and The Thurrock Mortgage Clinic Ltd policies

  • Lawful basis of processing

The Thurrock Mortgage Clinic Ltd processes your information under the following basis:

• Performance of a contract: where you enter into a contract with us and we need to process your information as part of this contract

• Legitimate interests: some information is processed by us as part of our legitimate interests which include fraud, risk assessment, due diligence, network and information security, suppressions and managing opting out of communications , profiling , direct marketing, monitoring, web analytics, cloud storage, acquisitions, updating customer details, and other core products and services provided by the data controller

• Public interest: some information is processed in accordance with public interest

• Consent: where we process information under consent we will seek your clear and unambiguous consent prior to processing your data

  • 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:

• Vetted affiliates / Financial Institutions / Insurance Companies / Mortgage Companies for business facilitation to provide required services, such as mortgages, insurance cover etc.

• Vetted affiliates for the purpose of conducting consumer research

• Formally contracted service providers to perform services on our behalf:

• Hosting Datacentres, Infrastructure, Applications (Development / Support) , Cloud Services (Software as a Service – SaaS, Platform as a Service – PaaS , Infrastructure as a Service – IaaS)

• Helpdesk, Call Centres etc.

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

• Law firms

• Auditors

• Our Network Principal Mortgage Intelligence Ltd

• Credit agencies, Land Registry Office, Her Majesty’s Revenue and Customs (HMRC), Financial Conduct Authority (FCA) and other relevant regulatory bodies

• Additionally we may share information about you, if required legally, to prevent harm or financial / reputation loss, for investigation of suspected or actual fraudulent or illegal activities.

 

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.