Legal and privacy information
Your Mortgage Expert Ltd is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. Your Mortgage Expert Ltd is registered in England and Wales under reference 08924507.
Registered office address: 18 New Canal, Salisbury, SP1 2AQ.
The Guidance provided within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Copyright of this website belongs to Your Mortgage Expert Ltd. Our website may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in any media by any person without the written approval of Your Mortgage Expert Ltd.
The information contained within this website is correct at the time of publication and we cannot be helped responsible for any information which subsequently comes out of date. The information is intended for information only and should not be used as a basis for purchasing any products. For further information, contact Your Mortgage Expert.
The website may contain material from external sources as a service to our customers. As this is information from third parties, Your Mortgage Expert Ltd cannot be held responsible for the content and as such does not accept liability for inaccuracies that may be contained within this material.
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Your Mortgage Expert Ltd is committed to protecting and respecting your privacy. We are the data controller and will process your personal data in accordance with the Data Protection Act 1998 as amended or replaced by the General Data Protection Regulation 2016 and any national laws which relate to the processing of personal data (“data protection legislation”). Please read the following carefully to understand our views and practices regarding Your Data and how we will treat it.
This policy applies to information we collect about:
- – Visitors to our website
- – Customers
- – Introducers
- – Suppliers
1.VISITORS TO OUR WEBSITE
We may collect and process personal data about you in the following circumstances:
- – when you complete the online contact forms on our website (“Site”) providing us with your name, address, email address and contact number;
- – whenever you provide information to us when reporting a problem with our Site, making a complaint, making an enquiry or contacting us for any other reason. If you contact us, we may keep a record of that correspondence;
- – when you visit our Site we will retain details such as traffic data, location data, weblogs and other communication data, and the resources that you access (see section 2.2.2 on Cookies below); and
- – whenever you disclose your information to us, or we collect information from you in any other way, through our Site.
We may also collect data in the following ways:
We may collect information about your device, including where available your Internet Protocol address, for reasons of fraud protection. We may also collect information about your device’s operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
We may use your personal data for our legitimate interests in order to:
- – provide you with information, or services that you requested from us;
- – respond to an enquiry submitted via our online contact forms;
- – allow you to participate in interactive features of our Site, when you choose to do so;
- – ensure that content from our Site is presented in the most effective manner for you and for your device;
- – improve our Site and services;
- – process and deal with any complaints or enquiries made by you; and
- – contact you for marketing purposes where you have signed up for these.
Our Site may, from time to time, contain links to and from the websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data and we do not accept any responsibility or liability for these policies. Please check before you submit your information to these websites.
We will collect details such as name, address, email address, contact number, date of birth, national insurance number and financial information in order to provide services to customers. We may also receive details of credit checks undertaken where you have supplied these to us.
We will share customer personal information with our employees to manage our relationship with you and we will retain customer personal data for 80 years.
We will use your personal data provided to comply with our contractual obligations arising from the agreements we enter into with our Customers and share the data with financial institutions who can assist in the provision of financial services to customers including product providers, lenders, banks, insurers, fund managers, platform providers and third party para-planners (including Tenet* paraplanners).
We will use customer personal data for our legitimate interests including:
Sharing personal data with Tenet* as they are responsible for the services we provide to our clients and have a legal obligation to monitor our compliance with the FSMA and Financial Conduct Authority rules. Further details regarding how Tenet will use customer personal data can be found on it’s website at http://www.tenetgroup.co.uk or by contacting Tenet on 01132390011;
- – with your consent, marketing our other products and services by mail and email; and
- – with your consent, obtaining your sensitive personal data from third parties including your health, ethnic origin, or criminal prosecutions from third parties such as employers and credit reference agencies, fraud prevention agencies and other similar organisations.
- – we will not transfer any customer personal data outside the European Economic Area (“EEA”).
We will collect details such as contact names, address, email address and telephone number in order to contact you about goods and/or services we have ordered from you, to comply with our contractual obligations and to place further orders. We may share your personal data with our employees to manage our relationship with you and we will keep your personal data for as long as we require your goods and/or services subject to a maximum of 6 years from the date of our last contact with you. We will not transfer your personal data outside the EEA.
We may use customer personal data to provide you with details about our products and services we think may be of interest.
You have the right to opt-out of receiving the information at any time. To opt-out of receiving such information you can:
- – tick the relevant box situated in the form on which we collect your information;
- – clicking the unsubscribe button contained in any such communication received; or
- – email us at email@example.com or call 01722 322683 providing us with your name and contact details.
Where you have subscribed to receive marketing correspondence from us we will keep your personal data for six years from when you subscribed to receiving marketing information from us or until you unsubscribe from receiving such correspondence from us (whichever is earlier).
5. LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA
In accordance with data protection legislation we are required to notify you of the legal basis upon which we process your personal data. We process your personal data for the following reasons:
- – for performance of a contract we enter into with you;
- – where necessary for compliance with a legal obligation we are subject to; and
- – for our legitimate interests (as described within this policy).
We will also process your personal data including personal sensitive data where we have obtained your explicit consent.
6. DISCLOSURE OF YOUR DATA TO THIRD PARTIES
In addition to the third parties mentioned previously in this policy, we may disclose your personal data to third parties for the following legitimate business purposes:
- – staff members in order to facilitate the provision of services to you;
- – IT software providers that host our website and store data on our behalf; and
- – to a prospective buyer of some or all of our business or assets, in which case personal data including Your Data will also be one of the transferred assets.
We may disclose your personal data to the police, regulatory bodies, legal advisors or similar third parties where we are under a legal duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
We will not sell or distribute your personal data to other organisations without your approval.
7. CROSS-BORDER DATA TRANSFERS
We do not transfer personal data outside the EEA. Where this is required in the future, we will ensure that safeguards are in place so that such transfers comply with data protection legislation.
8. DATA SECURITY
Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organisational measures designed to secure your information against accidental loss and unauthorised access, use, alteration or disclosure. In addition, we limit access to personal data to those employees, agents, contractors and other third parties that have a legitimate business need for such access.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk.
9. ACCESS TO, UPDATING, DELETING AND RESTRICTING USE OF YOUR DATA
It is important that the personal data we hold about you is accurate and current. Please keep us informed if the personal data we hold about you changes.
Data protection legislation gives you certain rights in relation to your personal data. You have the right to object to the processing of your personal data in certain circumstances and to withdraw your consent to the processing of your personal data where this has been provided.
You can also ask us to undertake the following:
- – update or amend your personal data if you feel this is inaccurate;
- – remove your personal data from our database entirely;
- – send you copies of your personal data in a commonly used format and transfer your information to another entity where you have supplied this to us, and we process this electronically with your consent or where necessary for the performance of a contract;
- – restrict the use of your personal data; and
- – provide you with access to information held about you and for this to be provided in an intelligible form.
We may request specific information from you to help us confirm your identity. Data protection legislation may allow or require us to refuse to provide you with access to some or all the personal data that we hold about you or to comply with any requests made in accordance with your rights referred to above. If we cannot provide you with access to your personal data, or process any other request we receive, we will inform you of the reasons why, subject to any legal or regulatory restrictions.
Please send any requests relating to the above to our Adam Nanson, Managing Director at Your Mortgage Expert, 18 New Canal, Salisbury, SP1 2SU specifying your name and the action you would like us to undertake. Note that in relation to requests to access personal data, we reserve the right to charge a reasonable fee to comply with your request
10. RIGHT TO WITHDRAW CONSENT
Where you have provided your consent to the collection, processing and transfer of your personal data, you may withdraw that consent at any time. This will not affect the lawfulness of data processing based on consent before it is withdrawn. To withdraw your consent please contact us at: firstname.lastname@example.org
12. CONTACT US
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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“Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”
Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury
“I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me. During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field. This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”
Andrew and Helen, Armed Forces Mortgage Customers from Salisbury
“Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”
Fiona and Graham, Armed Forces Mortgage Customers from Wilton
“As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”
Andrea, Contractor Mortgage Customer from Warminster
“I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”
Matt, Contractor Mortgage Customer from Southampton
“Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”
Hannah and Steve, Protection Insurance Customers from Stamford
“Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”
Saul and Laura, Home Mover Mortgage Customers from Salisbury
“Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”
Mike and Bethan, First Time Buyer Customers from London
“Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”
Chris, Help to Buy Customer from Southampton
“I have had no problem recommending him to others as I have found his work to be first class. I think at this stage there are about four people who have taken up mortgages through him following my recommendation. In fact, I am currently working with Adam to remortgage all four properties and have no doubt I will use him again in the future.”
Bernie, Buy to Let Customer from London