Privacy Policy

Legal Information

​

This Privacy Policy sets out what information we will collect about you; how we use that information; and how we protect that information. If you have any questions about this, don’t hesitate to get in touch. We’ll be more than happy to help.

​

This Privacy Policy applies to the processing of personal data of all applicants who are party to the application. You are confirming that all applicants agree to the conditions set out in this Privacy Policy and that you have permission to provide personal data on behalf of all applicants.

​

This Privacy Policy also applies to the processing of personal data of third parties who are not party to any loan application and who are acting on the customer’s behalf.

​

About Us

​

White Mortgages Ltd (‘White Mortgages’ / ‘We’ / ‘Our’ / ‘Us’) are Residential Mortgage and Commercial Finance Brokers, based in Lincoln. We act as a Broker and Commercial Finance Advisor for our customers.

​

White Mortgages is Authorised and Regulated by the Financial Conduct Authority. Our FCA Registration Number is 551714.

​

We are members of the Equity Release Council and have adopted their competency framework which goes beyond the statutory regulation surrounding Equity Release. You can check our membership at: https://www.equityreleasecouncil.com/company/white-mortgages-ltd/

​

We’re also members of the National Association of Commercial Finance Brokers (NACFB) and we’ve adopted their strict Code of Practice and Minimum Standards. You can check our membership at https://www.nacfb.org

​

Your Personal Data

​

White Mortgages will be what is known as the Data Controller and Processor of the personal data you provide to us. We collect personal data about you, which may also include special types of information or location-based information.

​

What data do we collect?

​

Your name; address; email; telephone number; details of dependents; employment detail; asset and liability statements; credit history and general financial status. We will also collect information about your business(es) and / or pension scheme(s), where necessary.

​

Why do we need your data?

​

We need to know your personal data to provide you with an accurate recommendation for your personal circumstances. We will not collect any personal data from you we do not need to provide this service to you.

​

How do we collect your data?

​

You directly provide us with most of the data we collect. We collect data and process data when you:

• Register online or other communication methods for our services.

• Speak with us about your needs and preferences.

• Voluntarily complete a customer survey or provide feedback on any of our message boards or via email.

• Use or view our website.

 

We may also receive your data directly or indirectly from the following sources:

• The Internet

• Companies House

• Your Accountant(s), Solicitor(s) and other Professional Advisers

• Credit Reference Agencies

• Other Companies and / or Advisers within the Mattioli Woods Group

 

Special Category Data

​

In the course of your interactions with us, you may share information that is classified as ‘Special Category Data’. This could include data about:

• Race

• Ethnic Origin

• Politics

• Religion

• Trade Union Membership

• Genetics

• Biometrics

• Health

• Sex Life

• Sexual Orientation

 

Where you do share information relating to any of these categories e.g., when you share information about your health or a characteristic of vulnerability, we will always seek explicit consent from you to store and process such information.

​

How will we use your data?

​

We collect your data in order that we can:

• Process your application and manage your request.

• Email you with special offers on other products and services we think you might like.

• To monitor the performance of our products and services to ensure consumer outcomes are being achieved

 

What is the lawful basis for processing your data?

​

For processing of data to be lawful under GDPR, White Mortgages use the data under the following:

• Consent – the individual has given clear consent for you to process their personal data for a specific purpose.

• Contract – the processing is necessary for a contract you have with the individual, or because they have asked you to take specific steps before entering into a contract.

• Legal Obligation – the processing is necessary for you to comply with the law (not including contractual obligations).

• Vital Interests – the processing is necessary to protect someone’s life.

• Public Task – the processing is necessary for you to perform a task in the public interest or for your official functions, and the task or function has a clear basis in law.

• Legitimate Interests – the processing is necessary for your legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests.

 

How do we store your data?

​

Your data is stored securely on our encrypted server, which is located in the UK.

​

How long do we keep your data?

​

We are required under current regulations to keep your basic personal data provided to us including name, address, telephone and email contact information for a minimum of 6 years, after which time it may be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.

​

What are your data protection rights?

​

White Mortgages would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access – you have the right to request copies of your personal data.
  We may charge you a small fee for this service.

• The right to rectification – you have the right to request that White Mortgages correct any information you believe is inaccurate. You also have the right to request that White Mortgages complete the information you believe is incomplete.

• The right to erasure – you have the right to request that we erase your personal data, under certain conditions.

• The right to restrict processing – you have the right to request that we restrict the processing of your personal data, under certain conditions.

• The right to object to processing – you have the right to object to us processing your personal data, under certain conditions.

• The right to data portability – you have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

 

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us:

Email us at: compliance@whitemortgagesltd.co.uk

Call us: 01522 540777

Or write to us at: White Mortgages Ltd, City Office Park, Crusader Road, Lincoln, Lincolnshire LN6 7AS

​

Marketing

​

We understand that with the introduction of Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customer throughout the lifecycle of our relationship.

​

We would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies.

​

If you have agreed to receive marketing, you may always opt out at a later date.

​

You have the right at any time to stop us from contacting you for marketing purposes or giving your data to other members of the Mattioli Woods Group of Companies.

​

Cookies

​

White Mortgages Ltd does use cookies to track and test customer engagement and actions throughout the customer journey or customer communications. White Mortgages Ltd understand that under the Privacy and Electronic Communications Regulation (PECR) opt-in consent is required when these types of cookies are used.

​

Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.

​

For further information, [visit www.allaboutcookies.org].

​

How do we use cookies?

​

Our Company uses cookies in a range of ways to improve your experience on our website, including:

• Understanding how you use our website

• To provide an optimal experience for visitors to the website

• To monitor and analyse the performance and effectiveness of our website

• To ensure that our website is secure and safe to use

 

What types of cookies do we use?

​

There are a number of different types of cookies, however, our website uses:

​

Functionality – Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.

​

Advertising – Our Company uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address. Our Company sometimes shares some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.