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PRIVACY POLICY

M Davies Mortgages Ltd

Authorised and regulated by the Financial Conduct Authority.

Firm Reference No. 302051
PRIVACY NOTICE
Who holds your information

This privacy notice sets out how our firm, M Davies Mortgages Ltd, deals with your personal
data. The firm is authorised and regulated by the Financial Conduct Authority and is recorded
on the Financial Services Register under the firm reference: 302051
M Davies Mortgages Ltd is the controller of the information that you provide to us and is
responsible for protecting your data. You should contact us if you have any concerns about the
personal information that you have provided or if you need further help about it. Our contact
details are: -
By post to: - Long Meadow, Greens Arms Road, Turton BL7 0NA
By telephone: - 01204778849
By email: - md334@mortgage-specialist.co.uk

How we use your personal information

The personal information that you provide us with may be used for a number of different
purposes and these are set out below: -
• For assessing your eligibility for mortgages and / or other products available from the
lenders and product providers that we deal with.
We will process your information for this purpose only where you have consented to this.
• For making an application to a lender or other product provider on your behalf (which may
include automated decision making).
We will process your information for this purpose where you have consented to it and
because you have asked us to take specific steps before entering into a contract with a lender
or provider.
• For fraud prevention, for audit, compliance and regulatory purposes, for maintaining a
business register of our past clients & for statistical analysis.
We will process this information because we have a legal obligation to do so. This means

that in order to comply with our legal and common law obligations we must process certain
information in a certain manner and keep records to demonstrate compliance. You still have
the rights set out below in relation to your personal information but you may not be able to
exercise your right to erasure in these circumstances.
• For dealing with any queries or concerns that you may have after we have provided our
service to you and until any such product so provided has ended.
We will process this information where you have consented to this and on the basis of our
"legitimate interest" to provide information to you on request at any time after we provide
our initial services to you and until any such product so provided has ended. You still have
the rights set out below although where you withdraw your consent we may still have the
right to process the data for this purpose on a legitimate interest basis.
• We may use your personal data to contact you at the end of any preferential rate period on
your mortgage or to consider insurance in relation to your mortgage products.
We will do this, where you consent to this in the declaration below, although you have the
right to withdraw this consent at any time.

Who we may share your information with

We will keep your information confidential at all times and will only share that information in
certain circumstances as set out below. We may share your information with third party
providers of product data (referred to as sourcing systems or portals). This will be so that we
can research and identify products that meet your stated requirements and for which you are
eligible.
We may share your information with, and obtain information about you from, credit reference
agencies or fraud prevention agencies. If you apply to us for a loan, we will pass on your details
to the lender. We may also pass on your information to a third party processor (a packager)
who will gather information on behalf of the lender. Information provided by you may be put
onto a register and shared with other lenders to prevent fraudulent applications. If you apply to
us for insurance we will pass your details to the insurer. We may do this directly or through a
third party processor (a portal or another insurance intermediary) who will gather the
information on behalf of the insurer. We may also share your information with solicitors as a
part of the mortgage process.
Information provided by you may be put onto a register of claims and shared with other
insurers to prevent fraudulent claim. Where we do not offer a particular service that you
require and where you consent we may pass on information to third party intermediaries,
solicitors or other providers (such as will writers) to affect an introduction to them in order for
them to offer additional services to you.

We may share your personal information with third party processors in order to verify the
integrity of certain documentation that you may provide us with so that we are able to comply
with anti-money laundering and anti-fraud requirements.
We may share your data with other third parties as a part of our security and back up
procedures. All these parties operate in the European Economic Area(EEA). We will not use
parties where the information would be stored outside the EEA
We will share your personal information with our regulator (The Financial Conduct Authority)
and third party providers of compliance services as a part of our regulatory obligations.

How long we will keep your personal data

We will retain records relating to assessing your eligibility for products available from the
lenders and product providers that we deal with for a minimum period of three years from the
date the advice is given or the product sold up and for up to 7 years in order for us to be able to
comply with our regulatory requirements and in order to be able to respond to enquiries by our
regulators and other government agencies.
We will retain records for making an application to a lender or other product provider on your
behalf for a minimum period of 7 years and a maximum period not exceeding the date upon
which any product sold would be expected to have come to an end.
We will keep records
• For fraud prevention
• for audit, compliance and regulatory purposes
• for maintaining a business register of our past clients
• for statistical analysis
indefinitely although the firm reserves the right to dispose of these records as and when it sees
fit. We will retain records for dealing with any queries or concerns that you may have after we
have provided our service to you and until any such product so provided has ended for a period
of up to 7 years after the product or service so provided might be expected to have come to an
end based on the term identified at the point of sale.

The rights that you have regarding your personal data

You have the right to be informed about how we hold and deal with your personal information
and this document fulfils that obligation.
You have the right of access to all of the personal data that we hold about you. You can request

this from us at any time. We will not normally charge a fee for this.
You have the right to rectification which means that you can have any incorrect information
that we hold about you corrected.
You have the right to have your data deleted if you no longer require us to process it for you or
if you withdraw your consent. (This right may not apply where our basis for processing is by
legal obligation.)
You have the right to restrict our processing of your personal information in certain
circumstances.
Where we process your data electronically, you have the right to transfer any personal
information that you have provided to us to another party.
You have the right to object and this is set out in detail below under the heading, "Affirming
your consent"
Although we do not carry out any automated decision making as a part of our service to you,
those lenders and providers that we deal with may do so. Where you have consented to our
processing of your personal data as set out in this document, you are also consenting to us to
pass your personal data onto these lenders to carry out such actions. You have particular rights
regarding automated decision making and these will be explained to you before such action
takes place.

Your right to withdraw consent

Where you have given your consent for us to process your information, you have the right to
withdraw this at any time. Where you do this, we will cease processing the data for the
purposes for which you have given consent and this will mean that we will be unable to
complete any service or transaction that we are performing on your behalf. You should refer to
the section above headed "How we use your personal information" to see where we are
processing information on the basis of your consent or on the basis of our other regulatory or
legitimate interests.

Your right to complain

If you are dissatisfied with the way that we have handled your personal information you are
entitled to complain to us about this. You also have the right to refer the matter to the
Information Commissioners Office whose address is: -
Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Or by telephone to: 0303 123 1113

 


"THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE"
 
M Davies Mortgages Ltd is authorised and regulated by the Financial Conduct Authority FCA Number 302051 Consumer Credit Licence Number 546033
 
FEES - "We do not charge a fee for arranging your mortgage, unless the amount you need to borrow is less than £150,000. In these circumstances the actual amount of the fee will depend on your circumstances but a typical fee is £350"


The APRs quoted above are costs for comparison. The actual rate will depend on your circumstances. Ask for a personalised illustration.