Privacy Policy And Complaints Policy

This privacy policy outlines how Mayflower Mortgage & Finance Ltd uses and protects any information that you provide when you use this website. Mayflower Mortgage & Finance Ltd is a controller of your personal data under the Data Protection Act 2018 and the General Data Protection Regulation. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, this information will only be used in accordance with this privacy statement.

Who we are

Mayflower Mortgage & Finance LTD is authorised and regulated by the Financial Conduct Authority under the firm reference number of 944601.

Mayflower Mortgage & Finance LTD is a firm registered in England & Wales under registration – 12651855. Registered Office - 1 Barnfield Crescent, Exeter, England, EX1 1QT

What data do we collect?

Our Company collects the following data:

• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity

• Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history

• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents

• Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)

• Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these

How do we collect your data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

Special Category Data

In the course of your interactions with Mayflower Mortgage and Finance Limited 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 may share information about your health or a characteristic of vulnerability Mayflower Mortgage and Finance Limited will always seek explicit consent from you to store and process such information.

How will we use your data?

Our Company collects your data so 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

Lawful Basis for Processing Data

If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.

When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.

 How do we store your data?

We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.

Marketing

Mayflower Mortgage and Finance Limited understands that with the introduction of the 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 the relationship.

Our Company 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. Including Build Manager

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 Our Company from contacting you for marketing purposes or giving your data to other members of the Our Company Group.

What are your data protection rights?

Our Company 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 Our Company for 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 Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.

The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to Our Company’s processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that Our Company 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 at our email:

Call us at: 01392 304950

Or write to us: 1 Barnfield Cres, Exeter EX1 1QT

Cookies

Mayflower Mortgage and Finance Ltd  does use cookies to track and test customer engagement and actions throughout the customer journey or customer communications. Mayflower Mortgage and Finance 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:

·        Keeping you signed in

·        Understanding how you use our website

·        Re Marketing

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.

How to manage cookies

You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.

Privacy policies of other websites

Mayflower Mortgage and Finance Ltd  ’s website contains links to other websites. If you click on a link to another website, our privacy policy no longer applies, and we recommend you review that sites privacy policy to establish how they will process your data.

Changes to our privacy policy

Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 7th December 2023.

How to contact us

If you have any questions about Our Company’s Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.

Email us at: enquiries@mayflowermortgage.co.uk

Call us: 01392 304950

Or write to us at: 1 Barnfield Cres, Exeter EX1 1QT

How to contact the appropriate authority

Should you wish to report a complaint or if you feel that Our Company has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at www.ico.org.uk