This privacy policy outlines how Mayflower Mortgage & Finance Ltd, trading as Mayflower For Brokers, uses and protects any information that you provide when you use this website. Mayflower Mortgage & Finance Ltd, trading as Mayflower For Brokers, is a controller of your personal data under the Data Protection Act 2018 and the General Data Protection Regulation. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, this information will only be used in accordance with this privacy statement.

Why should you read this document?

During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your clients existing circumstances, your clients financial situation and, in some cases, your clients health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.

 The Data Protection Officer for Mayflower Mortgage and Finance LTD is Mike Pawley. We are registered with the Information Commissioners Office (Reference ICO Number ZA764498)

 What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

 In the context of providing you with assistance in relation to your Finance requirements Your Personal Data may include:

 ·       Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity

·        Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history

·        Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents

·        Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)

·        Any pre-existing finance and finance products and the terms and conditions relating to these

 The basis upon which our firm will deal with Your Personal Data

When we speak with you about your finance requirements, we do so on the basis that both parties are entering a contract for the supply of services.

 In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from finance lenders and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.

 On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.

 How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to finances You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

What happens to Your Personal Data when it is disclosed to us?

 In the course of handling Your Personal Data, we will:

·  Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.  Submit Your Personal Data to Finance Lenders both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress

·        Any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.

·        Use Your Personal Data for the purposes of responding to any queries you may have in relation to any finance you may take out, or to inform you of any developments in relation to those products and/or polices of which we might become aware.

 Sharing Your Personal Data

 From time to time Your Personal Data will be shared with:

·   Finance lenders

·        Third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our compliance advisers, product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).

 In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your finance enquiry and to provide you with our professional services.

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfill our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.

 We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the European Economic Area.

Security and retention of Your Personal Data

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.

Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.

 Your rights in relation to Your Personal Data

 You have the right to request a copy of the personal information that we hold about you, its origin and any recipients of it as well as the purpose of any data processing carried out.

•             Right to access: the right to request copies of your personal information from us;

•             Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;

•             Right to erase: the right to request that we delete or remove your personal information from our systems;

•             Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;

•             Right to object: the right to object to our use of your personal information 

•             Right to data portability: the right to request that we move, copy or transfer your personal information;

 If you have any questions or would like to exercise your right under this Privacy Policy, please contact Mike Pawley via the following methods;

Email – Enquiries@mayflowermortgage.co.uk

Phone – 0333 577 6266

We will aim to respond to all requests within 30 days except in instances where the request may be complex. We shall let you know within the 30-day period if we will need more time but no longer than 90 days.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

COMPLAINTS PROCESS

Mayflower Mortgage and Finance LTD, Trading as Mayflower Fro Brokers

At Mayflower Mortgage and Finance LTD, Trading as Mayflower For Brokers it is fundamental to us that we provide you with the very best service. However, we do recognise that very occasionally things do not go as planned and in these rare circumstances we will do everything we can to rectify your issue.

We welcome you telling us about it so that we can put matters right for you and make improvements going forward.

We want to rectify your issue as soon as possible so no matter how you communicate with us, we’ll listen and act on your concerns. The easiest way is by talking to us about your concern. Please call us to discuss on 0333 577 6266 or if you prefer to email or write, you can reach us at enquiries@mayflowermortgage.co.uk  or 1 Barnfield Crescent, St. David's, Exeter, EX1 1QT

To help us investigate and resolve your complaint, please make sure you include:

·        Your name and address

·        The name and address of the representative that you have dealt with

·        Any relevant account and policy numbers

·        A description of your complaint and how you have been affected

·        When your issue happened

·        A contact number (or other preferred method of contact) and a convenient time to contact you

WHAT HAPPENS NEXT?

We promise to do everything we can to resolve your complaint as soon as we receive it.

We’ll get in touch with you to discuss your complaint and agree the resolution to the problem.

If we can resolve your complaint within 3 business days following the day we received it, we’ll send you confirmation of this and we’ll also let you know about the Financial Ombudsman Service (FOS) at this time.

 FOR MORE COMPLEX ISSUES, WE MAY NEED MORE TIME TO INVESTIGATE YOUR CONCERNS. IF THIS IS THE CASE:

We’ll send you an acknowledgement letter outlining the next steps and when you can expect to hear from us.

We’ll keep you updated of our progress throughout our investigation.

We may need to contact you for more information using your preferred method of contact.

 OUR FINAL RESPONSE

Once we’ve completed a thorough investigation, we’ll give you a Final Response. This will outline the details of our investigation, how we reached our decision and what we’re going to do to put things right.

If for any reason you’re not happy with our decision, or it has been over 8 weeks since you first raised your concerns with us, you may be able to refer your complaint to the Financial Ombudsman Service.

We’ll send you the full details of our decision in a ‘resolution letter’, including your right to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service acts as an independent and impartial organisation which helps settle disputes between consumers and financial services businesses.

 You can contact the Financial Ombudsman Service at:

Phone: 0800 0 234 567 (free from fixed and mobiles) lines

Web: www.financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk

Post: Financial Ombudsman Service, Exchange Tower, London E14 9SR

COOKIE POLICY

COOKIE POLICY

When visiting one of our websites some information may be stored on your computer in the form of a cookie. A cookie is a text file that is either stored in your computer memory temporarily (a session cookie) or placed on your hard drive (a persistent cookie) by a web page server for added functionality or for tracking site usage.

The purpose of a cookie is to tell the web server that you have returned to a specific page. When you return to our websites, cookies enable us to retrieve the information you previously provided, so you can easily use the features that you customized. We do not use cookies to gather personal information, or to track your browsing habits away from our website(s).

To avoid cookies, you may configure your web browser to reject cookies. However, by doing so, some functionality of the websites may be lost. The procedure for rejecting cookies will depend on what web browser you are using.

Please consult the information provided with your web browser you use, for further details.

Below are the cookies we use:

Google Analytics

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come from to use the site and the pages they visited. This information is used to improve our website and ensure the visitors are able to find what they need as quickly and easily as possible