This policy applies when you visit and interact with our website at http://oundleandstamfordmortgages.com/ and to the financial services that we provide to you. It contains information about:
– how we use your data;
– what personal data we collect;
– how we ensure your privacy is maintained; and
– your legal rights relating to your personal data.
More details are below
IMPORTANT INFORMATION AND WHO WE ARE
Purpose of this privacy notice
Our full details are:
Oundle and Stamford Mortgage Services Limited
Annex Office 3, The Court House, Mill Road, Oundle, PE8 4BW
You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.
Changes to the privacy notice and your duty to inform us of changes
This version was last updated on 23/05/2019
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
THE DATA WE COLLECT ABOUT YOU
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:
- Identity Data includes first name, last name.
- Contact Data includes email address.
- Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access the Website.
- Profile Data includes your interests, preferences, feedback and survey responses.
- Usage Data includes information about how you use the Website and services.
- Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with certain services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
Information about connected individuals
We may need to gather personal information about your close family members and dependants in order to provide our service to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We’ll provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them.
How is your personal data collected?
We use different methods to collect data from and about you including through:
- Direct interactions. You may give us your Identity and Contact Data by [ ] or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
- Request to use our services;
- [insert other uses].
- Third parties or publicly available sources. We may receive personal data about you from various third parties as set out below:
- Technical Data from the following parties:
- [ any other providers]
HOW WE USE YOUR PERSONAL DATA
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
- Where we need to perform the contract for services we are about to enter into or have entered into with you.
- Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
- Where you have provided your express consent for us to use your personal
- Where we need to comply with a legal or regulatory obligation.
You have the right to withdraw consent to marketing at any time by contacting us.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose/Activity||Type of data||Lawful basis for processing|
|1. Sending you a newsletter via email by using the ‘Sign up to our newsletter’ function on the Website
2. Providing your name, telephone number and email address in the ‘Request a callback’ function on the Website
3. When you contact us via email by clicking on the email address links or ‘get in touch’ links on the Website
Marketing and Communications
|To discharge our duties as your adviser||All information necessary to act as your financial adviser, including, but not limited to:
|Performance of contract|
|To manage our relationship with you which will include:
(b) Asking you to leave a review or take a survey
Marketing and Communications
|(a) Performance of a contract with you
(b) Necessary to comply with a legal obligation
(c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
|To enable you to complete a survey||Identity
Marketing and Communications
|(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
|To administer and protect our business and the Website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)||Identity
|(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
|To deliver relevant Website content to you and measure or understand the effectiveness of the content we serve to you||Identity
Marketing and Communications
|Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)|
|To use data analytics to improve our Website, products/services, marketing, customer relationships and experiences||Technical
|Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)|
|To make suggestions and recommendations to you about goods or services that may be of interest to you||Identity
|Necessary for our legitimate interests (to develop our products/services and grow our business)|
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. We use the following personal data control mechanisms:
Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us by completing forms or submitting an enquiry via our website.
We will share your personal data with our marketing agency for marketing purposes.
You can ask us to stop sending you marketing messages at any time by checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you or by contacting us at any time.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
- How long do we keep hold of your information?
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.
We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally:
- Five years for investment business
- Three years for mortgage business
- Indefinitely for pension transfers and opt-out business
- Three years for insurance business
These are minimum periods, during which we have a legal obligation to retain your records.
We reserve the right to retain data for longer where we believe it’s in our legitimate interests to do so.
You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
- DISCLOSURES OF YOUR PERSONAL DATA
We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above.
- Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
- Regulatory Agencies for financial services.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We only permit them to process your personal data for specified purposes and in accordance with our instructions or in accordance with applicable laws.
- INTERNATIONAL TRANSFERS
We do not transfer your personal data outside the European Economic Area (EEA).
- DATA SECURITY
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
- DATA RETENTION
How long will you use my personal data for?
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
ACCESS TO YOU DATA
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
YOUR LEGAL RIGHTS
You have the right to:
Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time.
A massive thank you to Emma & Kelly for arranging our remortgage. We were worried that our circumstances might prove tricky, but they handled everything with ease, and they were always on hand to answer our questions. Fantastic service!
A massive thank you to Emma at Oundle & Stamford Mortgage Services. You made our mortgage application so so easy and gave us the reassurance to be able to benefit from the COVID-19 stamp duty tax relief! No matter what time of day Emma always responded to our queries and regularly touched base if she hadn't heard anything for a while. Using a local broker just gives you the reassurance that a professional invested individual has your best interests at heart. Thank you so much Emma and we will be back in touch soon for all our other protection policies.
We have used Emma for several re-mortgages and now additional borrowing for an extension. The advice, communication and personal service is outstanding. Emma is someone I trust and rely on for professional advice. I can't recommend her and Kelly highly enough.
Couldn’t thank Jess enough for her service. Never thought I would get a mortgage and because of Jess’s advice and guidance I am currently buying my first home. Very professional and a very warm approach to all questions.
Emma helped us every step of the way, always had time for all our questions and problems. Made sure we got the product we desired. Thank you
As an existing customer, this is the second time I have used Emma's service. Emma was very responsive, understanding and helpful. I will continue to use their services and would thoroughly recommend them.
I recently had a mortgage product transfer arranged by Emma and I couldn’t recommend her and her business enough. The process was very easy, reasonably priced and the customer service was second to none. I even received a surprise thank you package in post which was great! Thanks again for the help, I will definitely be using Emma again if I need any mortgage help or advice!
Had excellent service from Jess. She helped me with remortgaging and also my insurance policies. Jess was extremely professional and massively proactive and answered all my queries in a timely manner. I had issues with my previous mortgage company and Jess stepped in and saved the day and got my mortgage sorted for me. I'm now a customer for life and I completely trust their advice. Thank you so much for your help
We can’t thank Emma enough for finding the right mortgage for us to enable us to buy our forever dream home. Emma kept us informed during the whole process easing our anxieties as much as possible. Emma also made sure we had all the documentation we needed prior to applying to lenders to ensure the process was as smooth as possible. Thank you so much!
I would definitely recommend 100%. Amazing service, very friendly and always happy to help. Emmna and Kelly have both been professional and always there if I needed and questions answered. Thank you ladies.
Great communication, clear advice, v fast to respond to questions and Emma and Kelly managed to get my mortgage through amazingly fast. Recommended
We’ve recently used this service, emma looked after us. Brilliant from start to finish. Affordable, great customer service-personal and friendly. Quick and clear responses to all communication and filled us with nothing but confidence. Thank you for all the hard work to enable us to buy our new home, we are so happy! Highly recommend!
A great professional service from Jess who helped me with my mortgage and insurance policies. I would like to thank her for her time and patience with me and for providing such excellent advice and working tirelessly to get me the best products and always keeping me up to date with the progress. I am now back on the property ladder and I can’t thank Jess enough for helping me get there. I would thoroughly recommend.
Really helpful and knowledgeable staff. I felt I received good service and follow up after the house purchase had gone through. Friendly and made themselves available when I had queries.
When we wanted to change our mortgage provider, we decided to use Oundle & Stamford Mortgage Services and we are so pleased we did! Emma was very thorough and took the time to find us the best options for what we wanted. Very professional and clearly knows her job... would highly recommend. Thank you Emma!
A friend recommended Emma at Oundle and Stamford, and from the first phone call I felt totally at ease, as Emma reassured me that she was confident she could help us. Throughout the mortgage application process, she was professional, knowledgeable, and spent time explaining our options.
We were first time buyers and we were a bit lost in how the whole process works in buying our very first home. Emma was fantastic, she explained things to us every step of the way by phone, email and over WhatsApp messaging, which was very good because if we had a quick question over something we didn't understand we could WhatsApp Emma and she would get back to us very quickly. Both of my brothers have used Oundle and Stamford Mortgage Services and we can all highly recommend!! Thank you so much for helping us move into our new home.
Emma has been amazing from start to finish. She has kept us updated throughout. Answered all questions we have had and even helped with chasing up solicitors and paperwork. On top of that she got us the best deal on our mortgage. Would highly recommend. Thank you, Emma, for all your help.
We are extremely happy with the service that Emma of Oundle & Stamford Mortgage Services provided for us. After struggling for a while to find a mortgage that worked for us with different brokers, Emma seemed to make things work almost immediately. With a fair fee, great communication and an abundance of knowledge with lenders, Emma made the whole process very smooth and stress-free for us throughout.
Our first experience with the property ladder has not been an easy one but we can’t thank Emma enough for her patience and support throughout the entire experience. Emma has come back to emails and phone calls without delayand has offered us great advice along the way. Emma came recommended from a friend and we could not recommend her enough! Thanks, so much Emma!
Emma has been brilliant, making us feel at ease and assured us we had nothing to be embarrassed about! She managed to fit the appointments around our busy family life and gave us lots of different options for our re-mortgage. She has helped us every step of the way. We will absolutely use Oundle & Stamford Mortgage Services again and would highly recommend their services.
Communication with Emma has always been very good whilst negotiating difficulties encountered when dealing with mortgage lenders. It was apparent very early on that Emma was extremely competent and understood the mortgage market well.
Emma is extremely professional and personable; she knows her industry very well and gave me a lot of confidence throughout the entire process. I would have no hesitation in working with Emma again in the future.
Emma was absolutely stand out; not only did she know the in's and outs of every lender and placed me in the best possible way, pushing my affordability to the exact amount I needed, but she was also so personable, came back to me really quickly on all my questions (which was loads as a first time buyer purchasing on my own), I felt really looked after and she even called me when she was on holiday. Thank you so much Emma for helping me get my first mortgage.
St Ives, Cambridgeshire
I was referred to Emma via my previous Mortgage service provider. The service has been fantastic, and I would highly recommend anyone who is looking in the future to use this company! Very professional and customer centric experience! Thank you and well done.
Emma is very friendly, professional, and most importantly, does not give up! After struggling to secure the re-mortgage that I was hoping for (due to reasons of my own doing), Emma came through with an alternative option that I am very happy with. Needless to say, I will be using Emma for all of my mortgage needs moving forward. Thank you again!
Emma has been amazing through the whole process or re-mortgaging! Always made herself available to provide help or guidance! She was willing to answer any question I had, even the silly ones!! Cannot recommend her enough!
I would definitely recommend, Emma answered all my questions and never made me feel silly for not knowing what may seem obvious to some. She has made buying a house so easy. She also travelled to me in Leicester. Thanks Emma.
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