HOUSE Finance
Independent Mortgage Solutions (Hampshire) Ltd
Unit 2 Newington Court
Emsworth Road
Lymington
Hampshire
SO41 9AW
Registered in England 05813951.
Independent Mortgage Solutions (Hampshire) Ltd is authorised and regulated by the Financial Conduct Authority.
Independent Mortgage Solutions (Hampshire) Ltd is known in this document as ‘Independent Mortgage Solutions’, ‘we’ and ‘us’.
As the controller of your data, Independent Mortgage Solutions complies with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). This Privacy Policy details how Independent Mortgage Solutions processes your personal data.
The personal data we collect about you
Personal data collected, used, stored and transferred by us may include:
Change of purpose
We will only use your personal data for the purposes stated above, unless we reasonably consider that we need to use it for another reason and it is compatible with the original purpose. Please contact us for an explanation as to how any new processing compatible with the original purpose.
If we need to use your personal data for an unrelated purpose, we will notify you and 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.
Changes to our Privacy Notice
We keep our Privacy Notice under regular review and we will place any updates on this web page. This Privacy Notice was last updated on 23rd May 2018. Historic versions can be obtained by contacting us.
Marketing communications
You will also have the choice to opt-in to receiving other related marketing information and related products and services.
You can opt-out of receiving these types of communications at any time by contacting enquiries@imortgagesolutions.co.uk or by clicking on the relevant link in email communications you receive from us.
However please note that your personal information will not be passed to any third-party organisation for marketing purposes.
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. We also limit access to your personal data to only those Independent Mortgage Solutions staff, advisers, business partners and suppliers 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.
Website Third-party links
Independent Mortgage Solution’s website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Who we disclose personal data to
Your personal data may be shared with third parties for the following purposes:
Type of Recipient
Reason
Within Independent Mortgage Solutions
Depending on your requirements, it may be necessary to share your personal data with specialist product providers in order for suitably qualified advisers to source relevant products and services or to re-engage with existing clients.
Lenders and protection product suppliers
To source and submit applications in order to conclude the contract for the mortgage/protection application and the ongoing servicing of these contracts.
External Suppliers
Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Independent Mortgage Solutions.
Estate Agents/new home builders
We may share information about the progress of your application with estate agents and home builders with whom you are interacting. Please note that this is only if you have provided prior consent.
Regulators
Sharing information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with Independent Mortgage Solutions instructions.
How long is your personal data retained?
Your personal data will not be held for longer than is required under the terms of our contract for services with you. However, we are subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us.
You have the right to request deletion of your personal data by writing to us at our office address. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above, within 30 days.
Your legal rights regarding your personal data
After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.
You have the right to:
Questions
If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact Simon Upton, by emailing enquiries@imortgagesolutions.co.uk or by writing to us. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.
What if I am still not satisfied?
If you are not satisfied with how Independent Mortgage Solutions has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.
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Your home or property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Financial Conduct Authority (FCA) does not regulate some aspects of buy to let & commercial mortgages.
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