Our contact details
Name: Faye Sturzaker, trading as The Mortgage Room
Address: 56 Chingle Hall Crescent, Goosnargh, Preston, Lancashire, PR3 2FS
Phone: 07725 461 258 / 07725 461258
Email: faye@themortgageroom.co.uk
The type of personal information we collect
We currently collect and process the following information:
- Personal identifiers, contacts and characteristics (for example, name and contact details)
- Financial information (for the purpose of combating fraud and money laundering)
- Health and medical information (for the purpose of providing insurance advice)
- Property information (for the purpose of mortgage underwriting)
- Credit reference information
See the Cookies section below for details of information collected by our website.
How we get the personal information and why we have it
Most of the personal information we process is provided to us directly by you for one of the following reasons:
- Mortgage advice, assessment/qualification and underwriting
- Insurance advice, assessment/qualification and underwriting
This information is collected on a ‘contractual’ basis to assist us with providing you with a mortgage and protection advice service.
In order to validate your identity and/or residential address, we may carry out what is known as an Enquiry Search with a credit reference agency. This will leave what is often referred to as a “soft footprint” on your credit file. This is not visible to lenders and does not impact your credit score.
We also receive personal information indirectly, from the following sources in the following scenarios:
- Lenders – will provide us with necessary information to assist in providing advice, establishment of a lending product or the ongoing servicing of our customers
- Insurers – will provide us with necessary information to assist in providing advice, establishment of an insurance product or the ongoing servicing of our customers
We use the information that you have given us in order to provide you with mortgage and/or insurance advice.
We may share this information with:
- Lenders (the specific lenders approached will be disclosed to you during the advice process)
- Insurance companies (the specific insurers approached will be disclosed to you during the advice process)
- The Financial Conduct Authority (regulatory purposes)
- The Information Commissioner’s Office (law enforcement)
- National Crime Agency (law enforcement)
- Other law enforcement bodies (law enforcement)
- Customer Relationship Management and Product Sourcing Systems (day to day processing of your data)
Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:
- We have a contractual obligation
- We have a legal obligation
- We have a legitimate interest
How we store your personal information
Your information is securely stored in electronic format using our customer relationship management system. Additionally, we also make use of market leading product sourcing technology.
We keep the above personal information for as long as is necessary to fulfil our regulatory and legal responsibilities. This means that we will retain your information for as long as you are legally able to file a complaint, or as long as we have a legal obligation to do so under Anti-Money Laundering legislation. We will then dispose of your information by permanently deleting it from our files.
Your data protection rights
Under data protection law, you have certain rights, including:
- Your right of access – you have the right to ask us for copies of your personal information.
- Your right to rectification – you have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
- Your right to erasure – you have the right to ask us to erase your personal information in certain circumstances.
- Your right to restriction of processing – you have the right to ask us to restrict the processing of your personal information in certain circumstances.
- Your right to object to processing – you have the right to object to the processing of your personal information in certain circumstances.
- Your right to data portability – you have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.
You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.
Please contact us at dpo@therightmortgage.co.uk if you wish to make a request.
Cookies
We use cookies to make this website work properly and to understand how visitors use it. Cookies are small text files stored on your device when you visit a website.
- Essential cookies – required for the website to function correctly, such as remembering your cookie preferences.
- Analytics cookies – help us understand how visitors use the site so we can improve it.
- Marketing cookies – used to measure the effectiveness of our advertising, for example via Meta (Facebook) Pixel.
When you first visit this site, you can choose to accept or decline non-essential cookies using the banner shown at the bottom of the page. You can change your choice at any time by clearing your browser’s cookies for this site and refreshing the page.
How to complain
If you are unhappy with any aspect of our service, please contact us in the first instance using the details above so we can try to resolve this for you directly.
If you remain unhappy with how we have used your data, you can complain to the Information Commissioner’s Office (ICO):
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline: 0303 123 1113
Website: www.ico.org.uk