PRIVACY POLICY
How we will handle your personal data and protect your privacy.
A guide to how we meet the requirements of the Data Protection Act.
Making sure personal data is secure and properly dealt with is of paramount importance in our dealings with you. It is therefore important you understand what information we will take, why we need it, and how we will process your details.
Who will process my data?
Applicant Mortgage Brokers Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. As such, both Applicant Mortgage Brokers Limited and HL Partnership Limited will process your data in order to provide our services.
What data will you ask me for?
In order to fully understand your financial needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences. Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will need to be passed on to the companies whose products you apply for.
Do I have to provide my personal data?
In order for us to be able to give you suitable advice, we need you to provide all the information we ask for as openly and honestly as possible. If you prefer not to disclose some information, please tell us that you prefer not to disclose it and we will assess whether this will alter or impede the work we are doing for you.
How will you use my data?
1. The primary reason we will use your data is to allow us to do the job you’ve asked us to do. Specifically, we will use your data to:
· Assess and provide advice to meet your needs and circumstances;
· Introduce you to a range of product and service providers in order to meet your requirements;
· Administer cases and assist processing of applications;
· Tell you about any changes to products and service we have arranged for you;
· Inform you about products and services we think may be suitable for you (unless you ask us not to send you this information).
2. We may also process your information in order to meet our legal and regulatory requirements. These may include:
· Complying with the regulations set out by the Financial Conduct Authority and other regulators as required;
· Preventing financial crimes such as money laundering and fraud by passing your details to other relevant bodies such as the police and National Crime Agency where required.
3. We may also process your personal data for our own legitimate interests. Typically, these would be limited to:
· Analysing our business for trends and research how we can improve our services to customers;
· Reviewing the work we have carried out for you to ensure we have met the regulations and quality standards;
· Ensuring we are able to exercise or defend legal challenges in the future.
4. HL Partnership Limited will use your data to monitor and assess our work to ensure we have provided a high standard of service and met our legal and regulatory commitments.
How long we will store your data?
We will only keep your personal information as long as necessary. How long that is depends on the type of data and the nature of the work we have carried out. In most cases, your personal data will be stored for an indefinite period as we need to keep evidence that we have fulfilled our legal and regulatory requirements.
Can I see a copy of my personal data?
Yes. Please write to our Data Controller (details below) and we will provide a copy of any personal data we hold about you within one calendar month of receiving your request. Please note that we may need to verify your identity before providing the information.
What if my data is incorrect or incomplete?
You have the right to have your data corrected or completed by contacting our Data Controller in writing (details below). Please be aware that we need to maintain records of information as it was at the time of the advice or the transaction taking place.
Can I have my data erased?
If we have provided you with advice or processed a transaction on your behalf, we will not normally be able to erase your personal data. This is because we are obliged to maintain records of our advice and transactions to meet our regulatory requirements and in case we need to exercise or defend legal claims in future.
Who is the Data Controller?
Name - Daniel Baskerville
Address - Applicant Mortgage Brokers Limited, 7 Kestrel Close, High Wycombe, Buckinghamshire, England, HP13 5JN
Email - info@applicantmortgage.co.uk
Telephone - 01494 211194
Data Controller Registration - ZA775861
Name - HL Partnership Limited
Address - 6 Merus Court, Meridian Business Park, Leicester, England, LE19 1RJ
Telephone - 03300 552 651
Email - compliance@hlpartnership.co.uk
Data Controller Registration - Z8588911
How can I get more information?
If you would like further details on how we use your personal information or if you have any data protection queries, please write to: The Data Protection Officer, 6 Merus Court, Meridian Business Park, Leicester, England, LE19 1RJ.
Telephone: 03300 552 651
Email: compliance@hlpartnership.co.uk
If you’d like to make a complaint about how we have handled your personal data…
…please write in the first instance to The Data Protection Officer at the above address.
If you are not satisfied with the Data Protection Officer’s response, you can make a complaint to:
Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Email through their website at: https://ico.org.uk/concerns/
Important Notes on Protecting your own Data
Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.
Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. Neither Applicant Mortgage Brokers Limited nor HL Partnership will take responsibility if you transfer money to a fraudster in error.
What are Cookies?
Like many websites, we use cookies to help us monitor your use of the website. These cookies are used by Google Analytics so that we know when you’ve visited one page and then another. We also use cookies if you login to our website with a username and password we’ve given you. A cookie is a simple text file that is stored on your computer or mobile device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Every cookie is unique to your particular web browser. It will contain some anonymous information.
How we use cookies
We may use cookies to:
Google Analytics Cookies
You can “opt out” of Google Analytics cookies by installing the Google Analytics Opt-out Browser Add-on here: Google Tools This will block Google Analytics on all websites, or you can configure your browser to block cookies.
Controlling Cookies
You can use your web browser’s cookie settings to determine how our website uses cookies. If you do not want our website to store cookies on your computer or device you should set your web browser to refuse cookies.
How can you manage cookies?
To enable cookies
If you’re not sure of the type and version of web browser you use to access the Internet:
How to check cookies are enabled for PCs
Google Chrome Click on ‘Tools’ at the top of your browser window and select Options Click the ‘Under the Hood’ tab, locate the ‘Privacy’ section, and select the ‘Content settings’ button Now select ‘Allow local data to be set’ Microsoft Internet Explorer 6.0, 7.0, 8.0 Click on ‘Tools’ at the top of your browser window and select ‘Internet options’ , then click on the ‘Privacy’ tab Ensure that your Privacy level is set to Medium or below, which will enable cookies in your browser Settings above Medium will disable cookies Mozilla Firefox Click on ‘Tools’ at the top of your browser window and select Options Then select the Privacy icon Click on Cookies, then select ‘allow sites to set cookies’ Safari Click on the Cog icon at the top of your browser window and select the ‘Preferences’ option Click on ‘Security’, check the option that says ‘Block third-party and advertising cookies’ Click ‘Save’
How to check cookies are enabled for Macs
Microsoft Internet Explorer 5.0 on OSX Click on ‘Explorer’ at the top of your browser window and select ‘Preferences’ options Scroll down until you see ‘Cookies’ under Receiving Files Select the ‘Never Ask’ option Safari on OSX Click on ‘Safari’ at the top of your browser window and select the ‘Preferences’ option Click on ‘Security’ then ‘Accept cookies’ Select the ‘Only from site you navigate to’ Mozilla and Netscape on OSX Click on ‘Mozilla’ or ‘Netscape’ at the top of your browser window and select the ‘Preferences’ option Scroll down until you see cookies under ‘Privacy & Security’ Select ‘Enable cookies for the originating web site only’ Opera Click on ‘Menu’ at the top of your browser window and select ‘Settings’ Then select ‘Preferences’, select the ‘Advanced’ tab Then select ‘Accept cookies’ option All other browsers Please consult your documentation or online help files.
How to Disable/Delete Cookies
All modern browsers allow you to change your cookie preferences. These are generally found in the options menu on the browser. Click here
Further information about cookies
If you’d like to learn more about cookies in general and how to manage them, visit www.aboutcookies.org (opens in a new window – please note that we can’t be responsible for the content of external websites).
Changes to this policy
The above may change at any time. We will endeavour to notify you of any major changes but you may wish to check it each time you visit our website. Last updated 13/07/2023
Links from our site
Our website may contain links to other websites. Please note that we have no control of websites outside of www.applicantmortgage.co.uk. If you provide information to a website to which we link, we are not responsible for its protection and privacy.
COOKIES POLICY
Our website uses cookies to distinguish you from other users of our website. A cookie is a small
file of letters and numbers that we put on your computer. Cookies contain information that is
transferred to your computer’s hard drive.
The cookies we use are ‘analytical’ cookies. They allow us to recognise and count the number of
visitors and to see how visitors move around the site when they are using it. This helps us to
improve the way our website works, for example by ensuring that users are finding what they are looking for easily.
You can find more information about the individual cookies we use and the purposes for which
we use them below:
Name _ga
Expiration 2 years
Description Used to distinguish users.
Name _gat
Expiration 10 minutes
Description Used to throttle request rate.
Name __utmat
Expiration 2 years from set/update
Description Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
Name __utmt
Expiration 10 minutes
Description Used to throttle request rate.
Name __utmb
Expiration 30 mins from set/update
Description Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
Name __utmc
Expiration End of browser session
Description Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.
Name __utmz
Expiration 6 months from set/update
Description Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
Name __utmv
Expiration 2 years from set/update
Description Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.
Name eucookie
Expiration 1 year
Description Used to record displayed cookie disclaimer notification
These cookies do not record any personally identifiable information (PII).
You can block cookies by activating the setting on your browser that allows you to refuse the
setting of all or some cookies. However, if you use your browser settings to block all cookies
(including essential cookies) you may not be able to access all or parts of our site.
CHANGES TO OUR PRIVACY & COOKIES POLICY
Any changes we may make to our privacy policy in the future will be posted on this page and,
where appropriate, notified to you by email. Please check back frequently to see any updates or
changes to our Privacy and Cookies Policy.
Important Notes on Protecting your own Data
Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.
Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone
number independently from the email (i.e. via a secure web site). If you receive a phone call
asking for payment ensure you are satisfied the call is genuine, or else call the company back to
check. HL Partnership Limited will not take responsibility if you transfer money to a fraudster in
error.
Applicant Mortgage Brokers Limited is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority do not regulate some aspects of buy to let and commercial mortgages.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP TO DATE WITH YOUR MORTGAGE REPAYMENTS