Privacy Policy

MEASURING OUR VISITORS

We measure visitors to our website using tools such as Google Analytics. These tools record what pages you view within our site, how you arrived at our site and some basic information about your computer. All of that information is anonymous – so we don’t know who you are; just that somebody visited our site.

The information we collect from analytics helps us understand what parts of our sites are doing well, how people arrive at our site and so on. Like most websites, we use this information to make our website better.

SECURITY

Expert Mortgage Solutions take many precautions to prevent the loss, misuse or alteration of your personal information. These precautions include:

Use of SSL encryption for sensitive data
Hardware stored in secured data centres behind firewalls
All access to information restricted by password and/or secure key
Restrictions to what information can be accessed via any location
Whilst we take great care to ensure any confidential information remains protected we cannot guarantee the security of data sent over the Internet.

A cookie is a small file which is placed on your hard drive when you visit our websites (directly or via our applications). We use information from cookies for purposes which may include:

Identifying returning users, registrants and subscribers
Eliminating the need for returning users to re-enter their login details
Enabling you to move more easily around our sites and applications
Tracking your use of our sites to better develop our sites and applications in accordance with your requirements
Building up an anonymous profile based on your browsing patterns across our sites, applications and third party websites, which enables us to make advertisements and content available to you that is more relevant to your interests

You can delete cookies from your hard drive at any time. Bear in mind, though, that if you delete them, any settings such as your stored username and password will have to be reset when you next log in.

You will be able to use our websites and applications even if your browser is not set to accept cookies. However, certain features and content may not be available to you and you will have to log in every time you visit.
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By visiting our website, you consent to the use of cookies as explained above.

DATA PROTECTION

Your privacy is important to us.
This Policy tells you what Expert Mortgage Solutions does with the information you provide and how we protect your privacy. It also explains your rights under the General Data Protection Regulations.
Collecting Information And Protecting Your Privacy
Expert Mortgage Solutions is committed to protecting your privacy. As we would like you to be a lifetime client, we need to earn your trust and assure you that we will keep your personal information confidential and secure and only for as long as is necessary.
We will use it with care and it will only be shared in the ways explained in this Policy, or if we are required to by Law or the Financial Conduct Authority (FCA).
Your personal information will only be held for as long as necessary and collected for the purposes of introducing you to a suitable Brokerage who can provide you with the products and services you are looking for. In addition, we will make every effort to ensure that the information you provide is recorded accurately and that it is only passed to companies who comply with the General Data Protection Regulations (GDPR). If it is required to send your information abroad, we will only do so to countries within the European Union (EU) or to a third country that the EU has determined provides an adequate level of protection and where you are able to exercise your rights to access your personal information under the GDPR.

Controlling And Using Your Personal InformationA Data Controller is someone who determines the purposes for and the manner in which your personal data should be processed.

We use your information in a variety of ways:

To introduce you to a range of products and services offered by the companies we are associated with (or may be associated with in the future).
To help with administration.
To contact you with details of changes.
For business analysis and research.
For marketing products and services, we think may be suitable for you (unless you ask us not to send you this information).
To comply with the Law and/or FCA requirements.
To verify your identity by searching publicly available records held by credit reference agencies.

To prevent fraud and money laundering we may pass your details to other companies, public bodies including the police or to an insurer’s database. Insurance companies can search databases for any relevant information that exists about you.

We therefore process your data because it is necessary for:

The performance of a contract to which you are a party.
Compliance with legal obligations to which we as the controller are subject.

None of the information gathered about you will be used in automatic decision making.
Your Data Protection Rights
You have certain rights under the GDPR.

These include the right to:

Ask for a free copy of your personal information in a portable format.
Stop us sending you marketing material about products and services.
Have any incorrect information we hold about you corrected.
Ask us to restrict processing of your personal data.

As the processing of your personal information is necessary for a legal obligation placed upon us by the FCA and may be required for the establishment, exercise or defence of legal claims, we will not be able to permanently delete your personal information until the end of the period we have deemed necessary.

IF YOU CONTACT US

When you contact us we will record specific personal information about you, such as your name and email address. We may also collect and store information about your use of our website to help improve our website in the future.

UPDATES TO THIS POLICY

We may update this privacy policy from time-to-time, particularly as technology changes. You can always check this page for the latest version.

ANY QUESTIONS

If you have any questions about this privacy policy or your personal data, please write to us using the ‘Make an enquiry page’ or by post to Expert Mortgage Solutions Limited, Heron Towers, 110 Bishopsgate, Liverpool Street, London EC2N 4AD.

complaints procedure

Expert Mortgage Solutions is a trading style of Lending Choice Limited which is registered with the Data Protection Act 1998 registration number ZB381165 and is authorised and regulated by the Financial Conduct Authority under registration number 1010891. We are a credit broker, not a lender. We may receive commission from the lender and this amount varies between lenders. The nature of any commission model will be confirmed to you before you proceed. Registered Office: 111A Links House, Main Road, Romford, RM2 5EL. Tel: 020 3488 3488 Registered in England & Wales. Company Registration Number 14090989 Your home may be repossessed if you do not keep up repayments on your mortgage.