Privacy

Who We Are

Fleet Mortgages Limited (“Fleet Mortgages”) is a specialist buy-to-let mortgage lender.

Our registered address is: Flagship House, Reading Road North, Fleet, Hampshire, GU51 4WP (registration number 08663979).

Under applicable data protection laws including the General Data Protection Regulation and the Data Protection Act 2018, Fleet Mortgages are a Data Controller.

Name and contact details for the Data Protection Officer (DPO)

Should you have any queries relating to this policy or your personal data, please contact our Data Protection Officer (DPO) by emailing legalcompliance@fleetmortgages.co.uk

Or write to us:

Data Protection Officer, Fleet Mortgages, Flagship House, Reading Road North, Fleet, Hampshire, GU51 4WP

Fleet Mortgages is committed to applying the highest level of security, protection and respect when it comes to your privacy and your data.

This policy (together with our terms of use and any other documents referred to on it) sets out how we will process any data we may collect from you. This includes the purpose for the use, transfer, disclosure and storage of any data collected.

We keep certain basic information when you visit our website and recognise the importance of keeping that information secure and letting you know what we will do with it.

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

This policy only applies to Fleet Mortgages and this website. If you leave our site via a link or otherwise, you will be subject to the policy of that website provider. We have no control over that policy or the terms of the website and you should check their policy before continuing to access the site.

We will process any data in accordance with the Fair Processing notice published on our site and located here, the terms and conditions of any application submitted on our portal and, in respect of any application, in accordance with the declaration completed by each applicant. The information set out on this page should also be read alongside those documents where appropriate.

Information we may collect from you

We may collect and process the following data about you:

• Name, date of birth, home address, any mortgaged property addresses, email address, phone number
• Nationality and residence details
• Bank details
• Employment information including employer, business address, income and other financial information
• Information that you provide by filling in forms on our site fleetmortgages.co.uk (our site). This includes information provided at the time of registering to use our site, subscribing to our service or requesting further services. We may also ask you for information when you report a problem with our site
• We may collect demographics and interest information, which we may use for analysis and modelling purposes to develop but not limited to content and advertising messaging and materials
• If you contact us, we may keep a record of that correspondence
• If you contact us by telephone, any call will be recorded for security, quality, training, compliance and evidential purposes
• Details of your visits to our site including, but not limited to, traffic data, location data, weblogs, operating system, browser usage and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access
• Credit history information and any associations you may be financially linked to
• Information we receive from credit reference agencies, fraud prevention agencies and public or law authorities

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

• Your consent (which you can withdraw at any time by contacting us)
• Contractual obligation
• Legal obligation
• Legitimate interest

Where do we obtain personal data from

We may collect information about you via the following channels:

• Information collected during the application process provided by you via your nominated brokerage/mortgage advisor
• Any time you contact us via telephone, email, in person or any other electronic methods
• Information provided by your nominated conveyancers
• Credit Reference agencies
• Fraud prevention agencies
• Open sources should we need to verify any information about you
• Public authorities
• Any authorised third party
• Legal Authorities

IP Addresses and Cookies

We may collect information about your device such as desktop computers, laptops, tablets and smart phones, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns and does not identify any individual and we will not collect personal information in this way.

We may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive.

They help us to improve our site and to deliver a better and more personalised service. They enable us:

• To estimate our audience size and usage pattern
• To store information about your preferences, and so allow us to customise our site according to your individual interests
• To speed up your searches
• To recognise you when you return to our site

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Retaining your data

We will keep your personal data for a minimum period of the term of your mortgage agreement with us plus 6 years.

After this time any data we hold on you will be destroyed or anonymised unless it is still required for legal purposes.

Any personal data provided to us which does not result in you entering into a mortgage with us will be destroyed or anonymised after 6 years unless it is required for legal purposes.

If you have consented to receive market information from Fleet Mortgages, we will retain any information pertaining to this until you inform us you no longer wish to receive this.

Uses made of the information

We use information held about you in the following ways:

• To ensure that content from our site is presented in the most effective manner for you and for your computer
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes
• To carry out our obligations arising from any contracts entered into between you and us
• To allow you to participate in interactive features of our service, when you choose to do so
• To notify you about changes to our service

We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these [by post or telephone].

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data.

Disclosure of your information

We may disclose your personal information to third parties in accordance with our Fair Processing Notice and:

• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction
• Where we are required to instruct agents to work on our behalf we will share appropriate levels of information to help them to achieve the objective of the activity only

Your rights

If you decide to exercise any of the rights detailed below, we may need to verify your identity before proceeding. Any rights requests should be sent to our DPO by email to the details listed at the top of this policy.

Right to access your data

• You have the right to ask for any personal data we hold for you. Any requests for personal data should be emailed to the DPO using the contact details above
• Any responses to a request for information will be responded to within one calendar month

Your right to rectification

If you think the information we hold on you is incorrect or out of date, you have the right to ask us to rectify this information. You also have the right to ask us to complete any information you think is incomplete.

Your right to erasure “right to be forgotten”

You have the right to ask us to erase your personal information in certain circumstances. Any request to be “forgotten” will be assessed and responded to within one calendar month. If we are unable to abide by the request, we will inform you of the reason why the data cannot be deleted.

Your right to restrict processing

In certain circumstances, you will have the right to request a restriction to how we are processing your personal data. We will confirm whether we are able to comply with your request or explain why we cannot or have legitimate grounds for the continued processing of your data.

Your right to data portability

You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances. Where it is feasible to do so we will comply with your request within one calendar month of receipt.

Where a request is made under any of the rights detailed above, there will be no charge for any first request. Any subsequent requests where it is deemed repetitive, unreasonable or excessive, a charge may be incurred.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. However, we advise that you check this page regularly to keep up to date with any necessary changes.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to us using the details at the top of this policy.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:

Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

Helpline number: 0303 123 1113 ICO website: https://www.ico.org.uk