Privacy Policy | The Online Mortgage Advisors

1. Our Details

1.1. This Privacy Notice is issued on behalf of The Online Mortgage Advisors so when we mention “we”, “our” or “us” in this Privacy Notice, we are referring to The Online Mortgage Advisors.

1.2. The Online Mortgage Advisors is committed to protecting and respecting your privacy and the integrity of information entrusted to us. We comply with all relevant data protection laws including the UK General Data Protection Regulation (UK GDPR) the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations 2003.

1.3. Please read this Privacy Notice carefully and ensure that you understand it. Your acceptance of this Privacy Notice is deemed to occur upon your first use of our website. If you do not accept and agree with this Privacy Notice, you must stop using our Website immediately.

1.4. If you are providing us with another person's information or special category data (such as health data), as a joint applicant or as a policyholder you should first ask them to read our Privacy Notice and our Terms of our Advisory Services. By giving us information about another person you are confirming that they have consented for you to provide the information to us on their behalf and they understand how this will be used. We may be required to confirm this information with that person(s) at a later stage.

2. What type of information do you collect?

2.1. We receive, collect and store any information you enter on our website or provide us in any other way including but not limited to telephone conversations and emails.

2.2. We also collect personally identifiable information (including name, email, password, communications); payment details (including credit card information), comments, feedback, product reviews, recommendations, and personal profile.

2.3. Sometimes in the course of providing the Advisory Services, We may need to carry out identity checks, fraud and money laundering screening.

2.4. In addition to the data that you provide us, We may collect your data from other sources and third parties as set out below:

Third party identity verification services
Credit searches
Anti-money laundering checks
Product providers
Lenders
Partners
External sites
Law enforcement agency
Fraud prevention agency
Regulatory bodies

2.5. In order to find the most suitable product for you We may use the information held at credit reference agencies (CRAs). A CRA is a company that collects personal information from various sources and provides that personal information for a variety of uses (including to prospective lenders for the purposes of making credit decisions).

How We and the CRAs will use your information is detailed in the section called ‘use of personal information in relation to Advisory Services involving CRAs’. By confirming your agreement to proceed you are confirming that We may each use your information in this way.

2.6. Use of Personal Information in relation to services involving CRAs:

We will search CRAs who will provide us with publicly held data, including the electoral roll and shared credit performance data. If you have a financial associate their data may also be provided.
We will use the information provided to us by a CRA to help decide which products may be best for you and to validate the information you have provided to us. It is important to note that there may be other products available from lenders who are not represented by this Advisory Services.
When the CRA receives a search from us they will place a quotation search footprint on your credit report, whether or not you decide to apply for the product. This search will not affect your ability to gain credit.
The information which We provide to the CRA may be supplied by them to other organisations such as Fraud Prevention Agencies and used by those organisations for the purposes of checking identity, preventing fraud, tracing, and collection of debt. The CRA may also use the data to undertake statistical analysis.
In certain instances, your data will be shared with lender(s) to validate if you are an existing customer (which may affect whether you can be accepted for one of their cards) or for fraud prevention purposes. Note that the lender does not have permission to use your data for any other purpose.
If you choose to apply for a product, the lender will undertake a credit check and provide you with the terms and conditions for that product.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk/crain.
Additionally, you can contact any of the CRAs, if you wish to obtain a copy of your credit report.

2.7. We may use software tools to measure and collect information on how you reached our website, the internet protocol (IP) address you have used, and the MAC address of your device, your operating system, browser type, versions and plug-ins, your journey through our website, including which links you click on and any searches you made, session information including page response times, length of visits to certain pages, page interaction information, and methods used to browse away from the page.

2.8. We may also collect information on which pop-ups or adverts you saw and responded to.

3. Direct Marketing
3.1. When you provide us with your personal contact information, where permitted by applicable laws, we will market our own products and services to you on the basis of legitimate interests. This means we may not always ask you for your consent before sending you marketing information.

3.2 You can withdraw consent to marketing communications by contacting: info@theonlinemortgageadvisors.com

4. How we store your information

4.1. The security of your personal data is extremely important to us and therefore We have put in place appropriate security measures to protect personal information from being lost, used, or accessed in an unauthorised way.

4.2. We will not store your personal data for longer than necessary. The retention period will depend on factors such as the purpose and lawful basis at the point of collection of the data and any ongoing relationship We have with you.

5. Sharing personal data with third parties

5.1. We may contract with third parties to supply services to us, or to you on our behalf, or where We introduce you to a service provider, for example a lender, as part of our Advisory Services. We currently contract with the following categories of third parties:

Third party providers who help us provide our Services or who We introduce you to provide their services.
Third parties We use to help us run our business, e.g. website hosts and IT system providers.
Lenders, your agents such as your solicitor, and product providers to carry out our obligations arising from any agreements entered into between you and us.
Our legal and professional services advisors.
Fraud prevention agencies in the prevention of fraud and money-laundering and to verify your identity.

6. Your rights over your personal data

6.1. You have certain rights in relation to your personal data, which you can exercise in most cases free of charge:

The right to be informed.

Organisations need to tell individuals what data is being collected, how it’s being used, how long it will be kept and whether it will be shared with any third parties. This information must be communicated concisely and in plain language.

The right of access.

Individuals have the right to access their personal data (commonly known as a “data subject access request”). This enables individuals to receive a copy of any personal data an organisation holds about them and to check that it is being processed lawfully. Organisations usually have one month to produce this information, although there are exceptions for requests that are manifestly unfounded, repetitive, or excessive.

The right to rectification.

If an individual discovers that the information an organisation holds about them is inaccurate or incomplete, they can request that it be updated. As with the right of access, organisations have one month to do this, and the same exceptions apply.

The right to erasure (in certain circumstances).The right to erasure is also known as ‘the right to be forgotten’.

Individuals can request that organisations erase their data in certain circumstances – for example, when the data is no longer necessary, the data was unlawfully processed, or it no longer meets the lawful ground for which it was collected. This includes instances where the individual withdraws consent.

Note, however, that We may not always be able to comply with your request for erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

You can request we erase your data by emailing info@theonlinemortgageadvisors.com

The right to restrict processing (in certain circumstances)

Individuals can request that an organisation limits the way it uses personal data. It’s an alternative to requesting the erasure of data and might be used when an individual contests the accuracy of their personal data. An individual can also exercise this right when they no longer use the product or service for which it was originally collected, but the organisation needs it to establish, exercise or defend a legal claim.

The right to data portability (in certain circumstances)

Individuals are permitted to request the transfer of their personal data to themselves or a third party. This right only applies to personal data that an individual has provided to data controllers by way of a contract or consent.

The right to object (in certain circumstances)
Individuals can object to the processing of personal data that is collected on the grounds of legitimate interests or the performance of a task in the interest/exercise of official authority. Organisations must stop processing information unless they can demonstrate compelling legitimate grounds for the processing that overrides the interests, rights, and freedoms of the individual. They can also refuse this right if the processing is for the establishment or exercise of defence of legal claims.

7. Contact us

f you have any questions about this Notice or if you have any concerns about your personal data, or wish to make any data requests please contact us by emailing info@theonlinemortgageadvisors.com

8. Changes to our privacy policy

We may change this Privacy Notice as We may deem necessary from time to time, or as may be required by law. Any changes will be immediately posted on our website and you will be deemed to have accepted the terms of the Privacy Notice on your first use of our website following the alterations. We recommend that you check this page regularly to keep up-to-date.