Personal data collected, used, stored and transferred by us may include:
Personal data is collected by us using the following methods:
Direct interactions with an adviser in person, by post, phone (including call recordings and voicemail), email or otherwise when sourcing and applying for financial products, processing Identity, Contact and Financial categories of personal data.
Automated technologies or technical interactions with our website, via the customer portal, web enquiry form or the Find A Mortgage function, processing Identity, Contact, Financial and Technical categories of personal data
Third parties or publicly available sources (processing Identity, Contact and Financial categories of personal data) such as:
We use your personal data in the following circumstances, relying on the following lawful basis for processing:
Type(s) of dat
Lawful basis for processin
To initially engage with you to discuss your requirements
To process and deliver your application for a financial product.
Performance of a contract with you. To comply with a legal obligation. Necessary for our legitimate interests(to recover debts due to us)
To manage our relationship with you which will include:
Performance of a contract with you. To comply with a legal obligation. Necessary for our legitimate interests(to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards)
To respond to case enquiries and input to & defend against complaints
To comply with a legal obligation.
Necessary for our legitimate interests (to ensure that complaints can be responded to accurately)
To perform an affordability check fora property on behalf of an Estate Agent or New Home Builder
Necessary for our legitimate interests and of theNew Home Builder / Estate Agent (to ensure that a property is affordable before proceeding with the purchase process)
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
To comply with a legal obligationNecessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising w serve to you
Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences
Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy)
We will only use your personal data for the purposes stated above, unless we reasonably consider that we need to use it for another reason and it is compatible with the original purpose. Please contact us for an explanation as to how any new processing compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We keep our Privacy Notice under regular review. This Privacy Notice was last updated on 22nd March 2019.Historic versions can be obtained by contacting us.
You will also have the choice to opt-in to receiving other related marketing information and related product sand services.
You can opt-out of receiving these types of communications at any time by contacting our Compliance team at email@example.com or by clicking on the relevant link in email communications you receive from us.
However please note that your personal information will not be passed to any third-party organisation for marketing purposes.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We also limit access to your personal data to only our members of staff. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you andany applicable regulator of a breach where we are legally required to do so.
Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Some of our external suppliers are based overseas so their processing of your personal data will involve atransfer of data outside of the UK. Where we use providers based in the US, we may transfer data to them ifthey are registered with the EU-US Privacy Shield scheme which requires them to provide protection topersonal data equivalent to the General Data Protection Regulation (GDPR), and have extended theirregistration to cover data shared with the UK once the UK leaves the European Union.
We also use standard contractual clauses approved by the European Commission in contracts with external suppliers in order to provide the same level of protection for personal data as it has in the EEA.
Type of recipient
Within MESA Financial Consultants
It may be necessary to share your personal data with MESA Financial Consultants’ specialist product providers in order for suitably qualified advisers to source relevant products and services or to re-engage with existing clients
Financial product suppliers
To source and submit applications in order to conclude the contract for financialproducts and the ongoing servicing of these contracts.
Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal data with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Mortgage AdviceBureau.
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit.
Estate agents / new home builders
To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application.
Licensed Credit Agencies
For the purposes of confirming your identity to comply with Anti Money Laundering requirements (TransUnion data processing information can be found in the privacy notice on the www.callcredit.co.uk website); to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders Decision In Principle; and to perform a credit assessment with your consent as part of a full application.
In order to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti MoneyLaundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them.If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with Mortgage Advice Bureau instructions.
How long is your personal data retained?
Purpose of processing
Successful financial product applications
For the full term of any financial product plus a further6 years, or for a period of 30 years for historical cases if the original term is not recorded
Withdrawn, stalled, incomplete and failed financial product applications
2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected
Client Portal accounts
2 years from date of last login if not proceeded to full application
2 years from Decision In Principle if affordability check does not proceed to a full mortgage application
Enquiry data obtained from third parties (Estate Agents, websites) that do not result in an application for a mortgage / protection product
2 years from the date the lead was received from theIntroducer
After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.
You have the right to:
If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact the Information Security & Data ProtectionManager by emailing firstname.lastname@example.org or by writing to us. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.
If you are not satisfied with how the MESA Financial Consultants Ltd has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.