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Privacy Policy


Data Protection

Your privacy is important to us.

This Policy tells you what Remortgager does with the information you provide and how we protect your privacy. It also explains your rights under the General Data Protection Regulations.

Collecting Information And Protecting Your Privacy

Our aim is to introduce you to the right brokerage for your requirements. To be able to introduce you to the right Brokerage, we need to know about your personal situation. Once you have been referred to the brokerage your Adviser may request sensitive and private information about you, for example, your income, current financial arrangements, health, family commitments and any legal proceedings you may be involved in. How the Brokerage use your information will be included in their data protection literature. Much of the information you provide will, as part of your application, be passed to the company whose products you apply for and details of how they use your information are included in their data protection literature.

If you are unable or unwilling to provide some, or all, of this information Remortgager will be unable to introduce you to a suitable Brokerage for your circumstances. We do not collect personal information from third parties.

Remortgager is committed to protecting your privacy. As we would like you to be a lifetime client, we need to earn your trust and assure you that we will keep your personal information confidential and secure and only for as long as is necessary.

We will use it with care and it will only be shared in the ways explained in this Policy, or if we are required to by Law or the Financial Conduct Authority (FCA).

Your personal information will only be held for as long as necessary and collected for the purposes of introducing you to a suitable Brokerage who can provide you with the products and services you are looking for. In addition, we will make every effort to ensure that the information you provide is recorded accurately and that it is only passed to companies who comply with the General Data Protection Regulations (GDPR). If it is required to send your information abroad, we will only do so to countries within the European Union (EU) or to a third country that the EU has determined provides an adequate level of protection and where you are able to exercise your rights to access your personal information under the GDPR.

Controlling And Using Your Personal Information

A Data Controller is someone who determines the purposes for and the manner in which your personal data should be processed.

We use your information in a variety of ways:

  • To introduce you to a range of products and services offered by the companies we are associated with (or may be associated with in the future).
  • To help with administration.
  • To contact you with details of changes.
  • For business analysis and research.
  • For marketing products and services, we think may be suitable for you (unless you ask us not to send you this information).
  • To comply with the Law and/or FCA requirements.
  • To verify your identity by searching publicly available records held by credit reference agencies.

To prevent fraud and money laundering we may pass your details to other companies, public bodies including the police or to an insurer’s database. Insurance companies can search databases for any relevant information that exists about you.

We therefore process your data because it is necessary for:

  • The performance of a contract to which you are a party.
  • Compliance with legal obligations to which we as the controller are subject.

None of the information gathered about you will be used in automatic decision making.

Your Health Details

If you apply for some types of insurance (eg. life insurance, pensions, sickness etc.) you will be required to provide details of your health. Under the GDPR, this is regarded as sensitive personal data. Remortgager does not handle this type of data, this will be handled by the Brokerage you are introduced to.

Marketing And Sharing Your Information

The information you give us will be added to any other details we hold about you. We may share your information with carefully selected companies we are associated with.

Therefore, we (or they) may contact you (by post, email, telephone or other appropriate means) to tell you about products, services or offers we believe may interest you. The products and services may not be related to financial services. You can ask us not to contact you for this reason, at any time, by writing to us.

We may send your information to third parties that are carrying out work on our behalf.

Your Data Protection Rights

You have certain rights under the GDPR.

These include the right to:

  • Ask for a free copy of your personal information in a portable format.
  • Stop us sending you marketing material about products and services.
  • Have any incorrect information we hold about you corrected.
  • Ask us to restrict processing of your personal data.

As the processing of your personal information is necessary for a legal obligation placed upon us by the FCA and may be required for the establishment, exercise or defence of legal claims, we will not be able to permanently delete your personal information until the end of the period we have deemed necessary.

How To 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 contact Remortgager.
info@remortgager.co.uk

You may receive more information about data protection from the companies that we have introduced you to.

We may record telephone calls so we can check we have acted on your instructions correctly and to ensure we are giving you appropriate service. We may also monitor calls for security and training purposes.

Complaints

If you have any complaints about the way we have handled your personal information, please contact Remortgager.
info@remortgager.co.uk

You also have the right to refer your complaint to the Information Commissioner.

Declaration

I have read and understood the provisions set out in this Policy.

 

General Website Privacy Policy

Our Privacy Policy was last updated and posted on January 30, 2018. It governs the privacy terms of our Website, located at https://remortgager.co.uk, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Remortgager. Any capitalized terms not defined in our Privacy Policy, have the meaning as specified in our Terms of Service.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. We use your Personal Information only for providing and improving the website. By using the website, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at https://remortgager.co.uk. The following outlines our privacy policy.

  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
  • We will collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
  • We will only retain personal information as long as necessary for the fulfillment of those purposes.
  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
  • We will make readily available to customers information about our policies and practices relating to the management of personal information.

 

Your Privacy

Remortgager follows all legal requirements to protect your privacy. Our Privacy Policy is a legal statement that explains how we may collect information from you, how we may share your information, and how you can limit our sharing of your information. We utilize the Personal Data you offer in a way that is consistent with this Personal privacy Policy. If you provide Personal Data for a particular reason, we could make use of the Personal Data in connection with the reason for which it was provided. For example, registration info sent when developing your account, might be used to suggest products to you based on past acquisitions. We might use your Personal Data to offer access to services on the Website and monitor your use of such services. Remortgager may also utilize your Personal Data and various other personally non-identifiable info gathered through the Website to assist us with improving the material and functionality of the Website, to much better comprehend our users, and to improve our services. You will see terms in our Privacy Policy that are capitalized. These terms have meanings as described in the Definitions section below.

Definitions

“Non Personal Information” is information that is not personally identifiable to you and that we automatically collect when you access our Website with a web browser. It may also include publicly available information that is shared between you and others.

“Personally Identifiable Information” is non-public information that is personally identifiable to you and obtained in order for us to provide you within our Website. Personally Identifiable Information may include information such as your name, email address, and other related information that you provide to us or that we obtain about you.

Information We Collect

Generally, you control the amount and type of information you provide to us when using our Website.

As a Visitor, you can browse our website to find out more about our Website. You are not required to provide us with any Personally Identifiable Information as a Visitor.

Computer Information Collected

When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered Non Personal Information. We also collect the following:

  • Cookies
    Our Website uses “Cookies” to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.
  • Geographical Information
    When you use the mobile application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located in and display information with relevant data or advertisements. We will not share your current location with other users or partners. If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile phone settings and/or within the mobile application.
  • Automatic Information
    We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website to which you’re headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our Users to help improve our Website.
  • Log Data
    Like many Website operators, we collect information that your browser sends whenever you visit our Website (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Website that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Under the Child’s Online Privacy Security Act, no Website operator can require, as a condition to involvement in an activity, that a child younger than 13 years of age divulge more details than is reasonably required. Remortgager abides by this demand. Remortgager just collects information willingly offered; no information is gathered passively. children under 13 can submit only their email address when sending us an email in our “Contact Us” area. Remortgager makes use of the email address to respond to a one-time demand from a child under 13 and afterwards deletes the email address. In case Remortgager collects and maintains personal information relating to a child under 13, the parent may send out an email to us to review, alter and/or erase such info as well as to decline to enable any additional collection or use of the child’s information.

How We Use Your Information

We use the information we receive from you as follows:

  • Customizing Our Website
    We may use the Personally Identifiable information you provide to us along with any computer information we receive to customize our Website.
  • Sharing Information with Affiliates and Other Third Parties
    We do not sell, rent, or otherwise provide your Personally Identifiable Information to third parties for marketing purposes. We may provide your Personally Identifiable Information to affiliates that provide services to us with regards to our Website (i.e. payment processors, Website hosting companies, etc.); such affiliates will only receive information necessary to provide the respective services and will be bound by confidentiality agreements limiting the use of such information.
  • Data Aggregation
    We retain the right to collect and use any Non Personal Information collected from your use of our Website and aggregate such data for internal analytics that improve our Website and Service as well as for use or resale to others. At no time is your Personally Identifiable Information included in such data aggregations.
  • Legally Required Releases of Information
    We may be legally required to disclose your Personally Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties including you and/or other Members; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of Remortgager, our Users, employees, and affiliates.

 

Opt-Out

We offer you the chance to “opt-out” from having your personally identifiable information used for particular functions, when we ask you for this detail. When you register for the website, if you do not want to receive any additional material or notifications from us, you can show your preference on our registration form.

Links to Other Websites

Our Website may contain links to other websites that are not under our direct control. These websites may have their own policies regarding privacy. We have no control of or responsibility for linked websites and provide these links solely for the convenience and information of our visitors. You access such linked Websites at your own risk. These websites are not subject to this Privacy Policy. You should check the privacy policies, if any, of those individual websites to see how the operators of those third-party websites will utilize your personal information. In addition, these websites may contain a link to Websites of our affiliates. The websites of our affiliates are not subject to this Privacy Policy, and you should check their individual privacy policies to see how the operators of such websites will utilize your personal information.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We utilize practical protection measures to safeguard against the loss, abuse, and modification of the individual Data under our control. Personal Data is kept in a secured database and always sent out by means of an encrypted SSL method when supported by your web browser. No Web or email transmission is ever totally protected or mistake cost-free. For example, email sent out to or from the Website may not be protected. You must take unique care in deciding what info you send to us by means of email.

Privacy Policy Updates

We reserve the right to modify this Privacy Policy at any time. You should review this Privacy Policy frequently. If we make material changes to this policy, we may notify you on our Website, by a blog post, by email, or by any method we determine. The method we chose is at our sole discretion. We will also change the “Last Updated” date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies.

Questions About Our Privacy Practices or This Privacy Policy

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. If you have any questions about our Privacy Practices or this Policy, please contact us.

Third Party Partners

We use third party partners to provide you with the best possible options for your inquiry. By using our services, you grant us explicit consent to pass your details to these third parties for the purpose of providing you with a quote for the service you selected.

You agree that the third party partners may contact you via Phone, Email, SMS(Text), Post to discuss your original request and also that they may follow up on an annual or 6-monthly basis.

In the event that you no longer wish to be contacted by any of our third party partners you will need to be in contact directly with them to withdraw your consent, this can generally be achieved by responding to their attempts at contact and notify them of you withdrawing consent. You may also submit a “Right To Be Forgotten” request directly to us via info@remortgager.co.uk or by completing the form here (Link to right to be forgotten web page), where we will directly contact the third party partners that your data was passed to, to notify them that you are withdrawing your consent.

The third parties that we pass your information to will be FCA registered (where applicable) within the following sectors:

  • Travel
  • Lottery
  • Gambling
  • Pension
  • Charity
  • PPI
  • Personal Injury
  • Telecommunications
  • Daily Deals
  • Gardening
  • Broadband
  • Utilities
  • Fashion
  • Automotive
  • Later Life Planning
  • Life Insurance
  • Home Insurance
  • Motor Insurance
  • Private Medical Insurance
  • Competition Sites
  • Mobility
  • Home Improvement
  • Debt Consolidation
  • Loans
  • Financial Services
  • Freebie Sites
  • General Marketing

We will not pass your information to partners in all of the categories listed above, only the ones related to your original inquiry, e.g. sending your information to Life Insurance brokers when you request a Life Insurance quote.