YOUR PERSONAL DATA (Under the General Data Protection Regulations)
Instant Mortgages Ltd. is the Data Controller of the personal data that you provide. Instant Mortgages Ltd. is registered under company registration number, 06869660 and its registered office is, 1 The Dell, Waltham Abbey, EN9 3YD. Its Data Protection registration number is Z1721363
What We Need
To be able to provide you with advisory services and to be able to act as an intermediary between you and, for example, a mortgage lender or insurance provider, we will need to collect basic personal data about you such as names, addresses, employment history, etc. which does not include Special Category Data (often known as ‘sensitive personal data’), unless it is specifically required, for example, health information for the purposes of a life insurance application.
This data would be collected (with your consent), under the lawful process known as ‘consent’ / ‘contractual consent’
Why We Need It
We need to know basic personal data to be able to properly assess your circumstances and to be able to provide you with the full advice and recommendation service that we offer. We will not collect any data that is unnecessary for us to be able to provide our services.
What Will We Do With It
All the data we collect from you will be processed by our staff in the United Kingdom and no 3rd parties will have access to your personal data unless there is either a legal obligation for us to provide them with it or you have given your consent.
All of your personal data will be stored on a secure encrypted server. You need to be aware that this data may be backed up on a cloud-based system whose servers are located within the European Union.
How Long Will We Keep It
We will keep your data for a minimum of 6 years after which time it will be deleted if it is no longer needed for the lawful purpose under which it was originally obtained.
If you consent to future contact from us, which would be under the lawful process known as ‘legitimate interest’, for the purposes of for example, reviewing a mortgage that is coming to the end of its’ fixed rate period, then we will retain your data for an indefinite period.
Sharing Your Data
There may be occasions where there are ancillary services available to you through us. These may fall under what is known as 3rd Party Referrals. Examples are;
1/ Online solicitors via a portal
2/ Buildings and Contents Insurance providers via a direct referral
3/ 2nd Charge or Secured Loan providers via a direct referral
Consent to these types of referrals would be under the lawful process known as either ‘legitimate interest’ or simple ‘consent’
1/ You have the right to ask for your personal data to be erased, unless there is an overriding legal or regulatory requirement for it to be kept.
2/ You have the right to request access to the data we hold about you:
- we will respond to any data request within 30 days
- you will not be charged for a data request
3/ You have the right to complain to the ICO (Information Commissioners Office) if you think there is a problem with the way we are handling your data.
4/ You have the right to ask us to rectify any information about you that you believe to be incorrect.
5/ You have the right to Data Portability (by request)
you may request that all the documentation we hold be sent to you for your personal use
you may request that all the documentation we hold be sent directly to another Data Controller
Third party websites
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
Cookies in use on this site and how they benefit you
Our cookies help us:
- Make our website work as you’d expect
- Improve the speed/security of the site
- Continuously improve our website for you
- Make our marketing more efficient (ultimately helping us to offer the service we do at the price we do)
- Collect any personally identifiable information (without your express permission)
- Collect any sensitive information (without your express permission)
- Pass data to advertising networks
- Pass personally identifiable data to third parties
- Pay sales commissions
You can learn more about all the cookies we use below
More about our Cookies
Website Function Cookies
Our own cookies
- Allowing you to add comments to our site
There is no way to prevent these cookies being set other than to not use our site.
Anonymous Visitor Statistics Cookies
We use: Google Analytics
Turning Cookies Off
You can usually switch cookies off by adjusting your browser settings to stop it from accepting cookies (Learn how here). Doing so however will likely limit the functionality of our’s and a large proportion of the world’s websites as cookies are a standard part of most modern websites
It may be that you concerns around cookies relate to so called “spyware”. Rather than switching off cookies in your browser you may find that anti-spyware software achieves the same objective by automatically deleting cookies considered to be invasive. Learn more about managing cookies with antispyware software.