Mortgage Success Ltd trading as Adverse.online understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.adverse.online (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
|“Account”||means an account required to access and/or use certain areas and features of Our Site;|
|“Cookie”||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;|
|“Cookie Law”||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;|
|“personal data”||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998 (prior to 25th May 2018 and EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”) (post 25th May 2018) and;|
|“We/Us/Our”||means Mortgage Success Ltd, a limited company registered in England under company number 09527888, whose registered and trading address is 2 The Courtyard, Earl Road, Cheadle Hulme, SK8 6GN|
- Information About Us
2.1 Our Site is owned and operated by Mortgage Success Ltd.
2.2 Mortgage Success Ltd is VAT exempt.
2.3 To obtain information about your data please contact Anthony Higham, by telephone on 0161 327 2799, or by post at 2 The Courtyard, Earl Road, Cheadle Hulme, SK8 6GN.
2.4 Mortgage Success Ltd directly authorised by the FCA.
- What Does This Policy Cover?
- Your Rights
4.1 As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
4.1.1 The right to be informed about Our collection and use of personal data;
4.1.2 The right of access to the personal data We hold about you (see section 12);
4.1.3 The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
4.1.4 The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
4.1.5 The right to restrict (i.e. prevent) the processing of your personal data;
4.1.6 The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
4.1.7 The right to object to Us using your personal data for particular purposes; and
4.1.8 Rights with respect to automated decision making and profiling.
4.2 If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
4.3 For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
5.2 date of birth;
5.4 business/company name
5.5 job title;
5.7 contact information such as email addresses and telephone numbers;
5.8 demographic information such as post code, preferences and interests;
5.9 financial information such as credit / debit card numbers;
5.10 IP address;
5.11 web browser type and version;
5.12 a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
5.13 Income and Expenditure details.
- How Do We Use Your Data?
6.1 All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the Data Protection Act 1998 (pre 25th May 2018) and GDPR (post 25th May 2018) at all times. For more details on security see section 7, below.
6.2 Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:
6.2.1 Personalising and tailoring your experience on Our Site;
6.2.2 Supplying Our products and services to you (please note that We require your personal data in order to enter into a contract with you);
6.2.3 Personalising and tailoring Our products and services for you;
6.2.4 Replying to emails from you;
6.2.5 Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by emailing us using our contact form or replying to any email you have received from us.
6.2.6 Market research;
6.2.7 Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;
6.3 With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email, telephone, text message and/or post with information, news and offers on Our products and services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the Data Protection Act 1998 (pre 25th May 2018) and GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003 (Post 25th May 2018).
6.4 You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.
6.5 We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
6.5.1 If you have bought a Product or Service from us we will hold your information on file until a time you write to us asking for it to be deleted. As a company that is an Appointed Representative of Mortgage Support Network which is Authorised and Regulated by The Financial Conduct Authority we need to ensure we comply with our financial services regulations and ensure we have details on file should a future complaint about our service arise;
- How and Where Do We Store Your Data?
7.1 We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Your data will only be stored within the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
8.1 Subject to section 8.2, We will not share any of your data with any third parties for any purposes without your consent.
8.2 In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal obligations, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
9.2 In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your data deleted or withheld from the new owner or controller.
- How Can You Control Your Data?
10.1 When you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls
10.2 on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the instructions provided in Our emails and at the point of providing your details.
10.3 You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
- Your Right to Withhold Information
11.1 You may access Our Site without providing any data at all. However, to enable us to phone or email you back you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR (post 25th May 2018), no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details using the contact details below in section 14.
13.1 A cookie is a simple text file that is sometimes downloaded on to a device when the user accesses this website. The use of a cookie is not harmful to your device and is common practice to allow a website to recognise your device in order to improve your user experience.
13.2 Session cookies are deleted when you close your browser. We use session cookies to make it easier for you to complete our secure online forms by holding information entered into our forms until your browser is closed.
13.4 By using the services/features on our website, you consent to us using cookies.
13.5 Visit www.allaboutcookies.org for more information.
- Contacting Us
Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).