Privacy Policy

/Privacy Policy
Privacy Policy 2018-05-18T11:33:09+00:00

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’

Your Rights

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 website uses cookies, as almost all websites do, to help provide you with the best experience we can. Cookies are small text files that are placed on your computer or mobile phone when you browse websites

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)

We do not use cookies to:

  • 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

Granting us permission to use cookies

If the settings on your software that you are using to view this website (your browser) are adjusted to accept cookies we take this, and your continued use of our website, to mean that you are fine with this. Should you wish to remove or not use cookies from our site you can learn how to do this below, however doing so will likely mean that our site will not work as you would expect.

More about our Cookies

Website Function Cookies

Our own cookies

We use cookies to make our website work including:

  • 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 cookies to compile visitor statistics such as how many people have visited our website, what type of technology they are using (e.g. Mac or Windows which helps to identify when our site isn’t working as it should for particular technologies), how long they spend on the site, what page they look at etc. This helps us to continuously improve our website. These so called “analytics” programs also tell us if , on an anonymous basis, how people reached this site (e.g. from a search engine) and whether they have been here before helping us to put more money into developing our services for you instead of marketing spend.

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.