The Mortgage People (TMP) are an Appointed Representative of Mortgage Advice Bureau Ltd and Mortgage Advice Bureau (Derby) Limited and are authorised and regulated by the Financial Conduct Authority.
As the controller of your data, TMP comply with Data Protection Laws in the United Kingdom. This Privacy policy details how TMP processes your personal data.
Personal data is collected by us using the following methods:
If we are working on behalf of a Housing Association or Registered Provider who are the data controller, they may share some or all of the following data to TMP as the data processor in order to initiate contact:
After contacting you, the personal information TMP processes include:
We use your personal information in the following circumstances:
Purpose/Activity | Type(s) of data | Lawful basis for processing |
To assess and process your application for a Housing Association/Registered Provider property |
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Part of a contract with a Housing Association / Registered Provider) Legal Obligation |
To initially engage with you to discuss your requirements |
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Consent |
To process and deliver your application for a mortgage or protection product |
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Performance of a contract with you
To comply with a legal obligation |
To manage our relationship with you which will include:
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Performance of a contract with you To comply with a legal obligation Necessary for our legitimate interests (to re-engage with you to review your existing mortgage/protection needs, and to maintain and improve customer service standards) |
To respond to case enquiries and input to & defend against complaints |
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To comply with a legal obligation Necessary for our legitimate interests (to ensure that complaints can be responded to accurately) |
To perform an affordability check for a new build property on behalf of an Estate Agent or New Home Builder |
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Necessary for our legitimate interests and of the New Home Builder/Estate Agent (to ensure that a property is affordable before proceeding with the purchase process) |
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
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To comply with a legal obligation Necessary for our legitimate interests (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) |
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you |
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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 |
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Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy) |
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 or 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.
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 22nd March 2019. Historic versions can be obtained by contacting us.
Your personal information collected as part of an application for a Housing Association / Registered Provider property will not be used for the purposes of 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 chirpy@tmpmortgages.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.
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 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.
Some of our external suppliers are based overseas so their processing of your personal data will involve a transfer of data outside of the UK. Where we use providers based in the US, we may transfer data to them if they are registered with the EU-US Privacy Shield scheme which requires them to provide protection to personal data equivalent to the General Data Protection Regulation (GDPR), and have extended their registration to cover data shared with the UK once the UK leaves the European Union.
Your personal information may be shared with third parties for the following purposes:
Type of recipient | Reason |
Internally within Mortgage Advice Bureau Group | Depending on your requirements, it may be necessary to share your personal data with Mortgage Advice Bureau’s 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 TMP |
Solicitors/Conveyancers | To update the firm of solicitors/conveyancers with whom you are interacting about the progress of your application and confirm your identity/proof of deposit |
Housing Associations / Registered Providers/Estate Agents/New Home Builders | To update the firm of mortgage/protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application |
Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements (TransUnion data processing information can be found in the privacy notice on the www.callcredit.co.uk website); to perform a credit assessment to assess your eligibility; as part of an application request for a Lender’s Decision in Principle; and to perform a credit assessment with your consent as part of a full application |
Regulators | Sharing of information may be necessary to fulfill 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 |
Others | 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 |
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your information, and to use your personal information only in the course of providing such services as specified by TMP.
Purpose of Processing | Retention |
Data processed for Housing Association/Registered Provider applications | 6 years from the date of application as part of a legal obligation |
Successful mortgage/protection applications | For the full mortgage or protection policy term plus a further 6 years, or for a period of 30 years for historical cases if the original term is not recorded |
Withdrawn, stalled, incomplete and failed mortgage/protection applications | 6 years from the date the latest application was started |
Client Portal accounts | 2 years from date of last login if not proceeded to full application |
Affordability assessments | 6 years from Decision in Principle if affordability check does not proceed to full mortgage application |
Enquiry data obtained from third parties (Estate Agents, websites) that do not result in an application for a mortgage/protection product | 6 years from the date the lead was received from the Introducer |
After this retention period if there is no other on-going client relationship your 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:
If you have any questions or complaints relating to the use of your personal information, or if you wish to exercise any of your rights regarding your personal information, please contact chirpy@tmpmortgages.co.uk or write to Data Protection, The Mortgage People, Perfecta Works, Bath Road, Kettering, Northamptonshire, NN16 8NQ. You will receive a response 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.
If you are not satisfied with how your enquiry has been dealt with, 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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