Privacy Policy of the YourMortgagePayments.com website
YourMortgagePayments ("we" or "us") takes your privacy seriously. This Privacy Policy
explains how we will use information about you and the steps we take to ensure your
information is kept secure and confidential.
Please read this Privacy Policy carefully. If you use any of our services, which
are described in the Terms of Use ("Services"), you will be regarded as having read
and accepted this Privacy Policy. You must not use this Website or our Services
if you do not accept this Privacy Policy.
YourMortgagePayments is the data controller under the Data Protection Act 1998 in
relation to the processing of your personal data in connection with the Services.
If you have any queries relating to our use of your personal data or any other related
data protection questions, please contact our Data Protection Officer at
DPO@YourMortgagePayments.com.
The information we collect
We collect personal information about you when you give this to us in the course
of registering for and/or using our Services, for example, in order to obtain comparative
quotes for mortgages. In the course of providing the Services to you, we may also
store information about how you use our Website, for example, the pages viewed,
the website from which you came to visit our Website, changes you make to information
you supply to us, details of the quotes you request and your transactions, together
with details of your financial information, for example, bank account or payment
details.
We will periodically review your personal information to ensure that we do not keep
it for longer than is permitted by law.
Purposes for which we use information about you
We and other members of the YourMortgagePayments Group may use your personal information
for the following purposes:
- to enable you to access and use the Services; and/or
- to personalise and improve aspects of our overall service to you and our other users,
as well as carrying out research such as analysing market trends and customer demographics;
and/or
- to communicate with you, including sending you information about products and services
which we think may be of interest to you; and/or
- to process a transaction between you and a third party.
Passing on information about you
As part of using our Services you consent to us disclosing your personal information
to the following parties:
- Third parties, including but not limited to companies/brokers whose products or
services are included on our website with a view to providing you with a quotation
for the product and/or service requested by you. When these companies use your data
in this way, they will be acting as data controllers of your information and therefore
you should view their privacy policies or contact them directly for further information.
For further information about these third parties, please contact us at
DPO@YourMortgagePayments.com. Some third parties with which we share your
information may use it to carry out research such as analysis of market trends and
customer demographics and to customise and develop the product/service which they
offer to you or other individuals in the future.
- The Financial Services Authority and/or other regulatory/governing bodies for the
purposes of compliance monitoring;
- Selected other third parties whose products, services or other offers we believe
may interest you (see our section on Keeping you informed about offers and services
below);
Where permitted by data protection and privacy law, we may also disclose information
about you, or access your account:
- if required or permitted to do so by law; and/or
- if required to do so by any court, the Financial Services Authority, the Office
of Fair Trading or any other applicable regulatory, compliance, Governmental or
law enforcement agency; and/or
- if necessary in connection with legal proceedings or potential legal proceedings;
and/or
- in connection with the sale or potential sale of all or part of our business or
the company.
If we reasonably believe false or inaccurate information has been provided and fraud
is suspected, details may be passed to fraud prevention agencies to prevent fraud
and money laundering.
Keeping you informed of offers and services
You agree that we and other trusted third parties shall be entitled to advise you
via e-mail, post, telephone or by text of products, services and other offers we
think may interest you. For example, we may e-mail you letting you know how you
could save money by changing products and services.
Whenever you provide us with personal information, we will give you an opportunity
to tell us you do not consent to us and others using and sharing your information
for marketing purposes. Unless you tell us otherwise, you are consenting to such
uses.
Any electronic marketing communications we send you will include clear and concise
instructions to follow should you wish to unsubscribe at any time. Should you no
longer wish to be contacted by us, you can advise us at any time by sending an email
to customerservices@YourMortgagePayments.com.
You can also ask us at any time to stop passing your information to third parties
for marketing purposes, which we will do. Such a request may result in us ceasing
to offer the Services to you.
If you no longer wish to be contacted by third parties for marketing purposes, please
follow the instructions in their marketing communications, or consult their privacy
policies for further information about unsubscribing.
Improving our Service to you
In order to ensure the Services we provide you continue to meet your needs we may
ask you for feedback on your experience of using the website. Any feedback you provide
will only be used as part of our programme of continuous improvement and will not
be published on the website unless you specifically allow us to.
Third party providers and data privacy
If you decide to enter into a contract with a third party provider through this
Website, the information you have provided to us together with any further information
requested by, and supplied by you or us to the third party provider will be held
by the provider for the purposes set out in that provider's privacy policy. Therefore,
you are strongly advised to read your chosen provider's privacy policy and satisfy
yourself as to the purposes for which the provider will use your personal information
before entering into the contract. We have no responsibility for the uses to which
a provider puts your personal information.
Advertisements
The advertisements that you see displayed on our website are delivered on our behalf
by a third party advertising company. No information which identifies you, for example
your name, address, email address or telephone number, is used to provide this advertising.
In order to display advertising most likely to be relevant to you, this third party
advertiser may place or recognize a unique "cookie" on your browser. This cookie
does not collect personal data about you nor is it linked to any identifiable information
about you. It is possible to block cookies by adjusting your browser settings. By
using this Service you are consenting to the use of these third party cookies for
these purposes.
Security
Our website is a "VeriSign Secure Website" and keeping information about you secure
is very important to us. However, no data transmission over the internet can be
guaranteed to be totally secure. Sensitive information, for example, your bank details,
is encrypted to minimise the risk of interception during transit. However, whilst
we strive to protect your personal information, we cannot ensure or warrant the
security of any information which you send to us, and you do so at your own risk.
The Terms of Use also explains your obligation to keep secure any username and password
which you create when registering for the Services.
Your Rights
You have certain rights under the Data Protection Act 1998. For example, in accordance
with the Data Protection Act 1998 we will always let you have a copy of the personal
information we have about you, if you request it from us in writing. The law allows
us to charge you a £10 fee for a copy of such information and we may do so.
Your responsibility for the information you provide
You may complete a registration process as part of your use of this Website which
may include the creation of a username, password and/or other identification information.
Any username, password and/or other identification information must be kept confidential
by you and must not be disclosed to, or shared with, anyone. As explained in our
Terms of Use, where you do disclose to or share with anyone your username, password
and/or other identification information, you are solely responsible for all activities
undertaken on this Website using your username, password and/or other identification
information.
You must check and ensure that all information, content, material or data you provide
on this Website is correct, complete, accurate and not misleading and that you disclose
all relevant facts.