We can be reached via e-mail: hello@abodemortgage.co.uk, or by telephone: 01623 824173

COOKIES

COOKIE POLICY
This is the cookie policy for Abode Mortgage. We are committed to protecting your privacy. This Cookie Policy forms part of our legal information and sets out how we use cookies on our website to help make your visits more effective.

WHAT ARE COOKIES?
Cookies are small text files placed on your computer by websites and sometimes by emails. They provide useful information to organisations, which helps to make your visits to their websites more effective and efficient. We use cookies to ensure that we can understand how you use our website and to ensure that we can make improvements to our websites. Cookies do not contain personal or confidential information about you.

HOW WE USE COOKIES
We use cookies to ensure that you get the best from our website. The first time that you visit our website you will be asked to consent to the use of cookies and we suggest that you agree to allow the cookies to be active on your device whilst you visit and browse to ensure that you experience our website fully.

THE TYPES OF COOKIES WE USE
We use three types of cookies on our website:

  • Session cookies that are deleted after each visit
  • Persistent/tracking cookies that remain in place across multiple visits to our websites
  • Third party cookies that are used by other parties, for example Google Analytics

Session cookies and persistent cookies are necessary in order for you to use our website. These cookies can be deleted via your browser, but this will restrict the functions that you are able to carry out on our websites. For more information on how to disable cookies in your browser please see the Information Commissioner’s Office website. (http://www.ico.org.uk/for-the-public/online/cookies/)

Session cookies expire when you leave the website and are not stored on your computer and do not contain any personal data.

Persistent cookies last beyond your visit to our website. We use Google Analytics on our website. This is a tracking cookie which enables us to track how popular a site is and to record visitor trends over time. The cookie does not contain any personal data but it does contact your computer’s IP address to determine where in the world you are accessing the website from and to track your page visits within the site.

OPTIONAL COOKIES

These cookies are usually supplied by business partners and help us to filter out information which is not relevant to you.

ACCEPTING / BLOCKING COOKIES
You can accept or block any cookies from any website through your browser settings. For more information on how to disable cookies in your browser please see the Information Commissioner’s Office website. (http://www.ico.org.uk/for-the-public/online/cookies/).

Please note that if you share your computer, accepting or blocking the use of cookies will affect all users of that computer.

COOKIES AND DEMOGRAPHICS
We may use data from Google’s interest-based advertising or third-party audience data (such as age, gender and interests) with Google Analytics.

MORE INFORMATION
For more information about cookies visit the Information Commissioners website
www.ico.org.uk/for-the-public/online/cookies

PRIVACY POLICY

Abode Mortgage & Protection Solutions Ltd understands its obligations in regard to your fundamental right to a private life and has implemented systems and controls to ensure your rights and freedoms are protected.

Abode Mortgage & Protection Solutions Ltd undertakes to meet its obligations under the Data Protection Act, the Privacy and Electronic Communications Regulations and the EU General Data Protection Regulation (GDPR).

Who will process your personal information?

Your personal information will be initially processed by Abode Mortgage and Protection Solutions Ltd. Where applicable, your personal data will be further processed by staff members of The Financial Adviser and its Principle Firm who acts on our behalf for regulatory purposes. All parties will process your personal data in accordance with this privacy notice.

Why is your personal information required?

Your personal information is required to enable us to take necessary steps at your request prior to entering a contract and to perform such a contract. This may include reviewing assets and liabilities, bank account validation, identity and age verification checks, credit checks, preventing and detecting fraud, money laundering or other crimes and any other requirements in accordance with rules set by the Financial Conduct Authority (FCA) or other applicable legislation.

What happens if we want to process your information for other reasons?

Though there are some legal exceptions, if we wish to process your personal data for any other unrelated purpose than those we have informed you about we will notify you.

What are the consequences if you do not provide your personal information?

Your personal data is essential to enable us to take steps at your request prior to entering a contract or to perform a contract to which you are a party. Without this information we will not be able to proceed to provide any financial service.

 

 

What makes the processing lawful?

Because the processing is necessary:

  • For the performance of a contract to which you are a party or to take steps at your request prior to entering a contract.
  • for compliance with a legal obligation to which we are subject.
  • for the performance of a task carried out in the public interest.
  • for the purposes of the legitimate interests pursued by us.

Keeping your information up to date

We will record your information exactly as you provide it. You may ask us to update it at any time and we will action your request promptly and where possible notify relevant third parties of any changes.

What about sensitive personal data?

Unless we are processing because it is necessary for reasons of substantial public interest, we will only process sensitive personal data, such as data concerning health, with your explicit and informed consent for specific processing activities. In such cases you will be asked to sign a separate consent form to evidence this and that you understand the purpose(s) of the processing of such data. Your consent may be withdrawn at any time.

How will we further use your personal information (our legitimate interests)?

  • To contact you to ensure that our records of your personal information are correct.
  • To respond to questions or complaints you have about our services.
  • To update you with changes in our terms.
  • For statistical or research analysis relating to the performance of our business or that of our principal and understanding the changing needs of our clients.
  • To review, improve and develop services we offer or handle complaints.
  • To pursue debts or unpaid fees.
  • To evidence company practices.
  • To evidence the standards and processes carried out conform to the company’s ethical standards and expectations.
  • For direct marketing activities.
  • To protect the business from risks which might be introduced by an individual.

You have the right to object to processing for these purposes and we shall cease unless we can show we have compelling legitimate grounds to continue.

 Processing when performing a task carried out in the public interest

We will use the information provided to protect members of the public against dishonesty, money laundering or fraudulent activities. This must necessarily be carried out without your explicit consent to ensure this function is not prejudiced. Part of this processing involves verifying your identity with carefully selected third parties.

What information is required?

We only collect information that is necessary to carry out the purposes listed above. This includes information you supply and data we receive from reference agencies. Where practical and lawful we will inform you about any personal data we receive about you from third parties that you may be unaware of.



How secure will your data be?

We will ensure that your data is only accessible to authorised people in our firm and will always remain confidential. Appropriate security measures will be in place to prevent unauthorised access, alteration, disclosure, loss, damage, or destruction of your information. If we have a contract with another organisation to provide us with services or a service on our behalf to process your personal information, we’ll make sure they give reassurances regarding appropriate security measures in place and only process your information in the way we’ve authorised them to. These organisations won’t be entitled to use your personal information for their own purposes. If necessary, our security teams will check them to make sure they meet the security requirements we’ve set.

Will we share your information with anyone else?

We may share your information with:

  • Appropriate staff such as those who carry out financial or compliance functions.
  • Organisations that need your information because we are required to provide it by law (e.g. The FCA, ombudsman services, HMRC etc).
  • Organisations that carry out credit references or identity checks. These organisations may keep a record of the information and may disclose the fact that a search of its records was made to its other customers for the purposes of assessing the risk of giving credit, to prevent fraud and to trace debtors.
  • Sometimes other authorised firms with specialist advisers, such as pension specialists, who assist us in providing suitable financial advice and services. You will be provided with their details if this applies.
  • Law enforcement agencies, courts or other public authorities if we have to, or are authorised to by law.
  • Product providers we use to provide financial services or for direct marketing (see below).
  • Where we or our Principal go through a business transaction, such as a merger, being acquired by another company or selling a portion of its assets, your information will, in most instances, be part of the assets transferred.

Transferring data outside the European Union

We do not usually transfer any of your personal data outside of the EU except when we need to perform pre-contractual measures (credit and identity checks) or because the checks we request are necessary for important reasons of public interest. Some third-party companies may transfer data outside of the EU to countries which do not, in the view of the EU Commission, offer an adequate level of protection. In such cases it their responsibility to encrypt any data it sends to other agencies and only transfer information necessary to carry out checks.

(A list of countries used to perform checks include Germany, Netherland, Belgium, France, Sweden, Norway, Finland, Luxembourg, Switzerland, Liechtenstein, Spain, USA, Estonia, Latvia, Lithuania, Poland, Slovakia, Czech Republic, Hungary, Slovenia, Bosnia, Serbia, Montenegro, Croatia, Macedonia, Kosovo, Albania, Bulgaria, Romania, Ukraine, Austria, Denmark, Moldova, Portugal, Italy, Canada, Brazil, Greenland, China, India, Australia, Russia, South Korea, Taiwan, Mexico, South Africa, New Zealand, Hong Kong, UK.)

What about direct marketing?

We will use the information provided now and, in the future, to carry out direct marketing activities as these are legitimate interests pursued by us. Sometimes this includes, with your consent, sharing data with product providers for their marketing activities. You can choose which method you’d prefer us to use to contact you (by email, telephone, SMS or post) and you have the right to object at any time to the use of your personal data for this purpose and we will cease marketing activity. Just let the person who gave you this form know about your preferences.

How long will we keep your information for?

The Financial Conduct Authority lays down rules relating to how long information should be held for and we will keep your information to meet these requirements. We will not keep your information for longer than is necessary. We are obliged to hold your data for 6 years after our business relationship with you ends.

Requesting a copy of the information we hold

You may at any time ask for a copy of the information we hold about you – it is your legal right. We will provide you with a copy of any non-exempt personal information within one month unless we ask you for an extension of time. To protect your personal data, we will ask you to verify your identity before we release any information. We may refuse your request if we are unable to confirm your identity.

Important rights

You have the right, on grounds relating to your situation, at any time to object to processing which is carried out as part of our legitimate interests or in the performance of a task carried out in the public interest. We will no longer process your data unless we can demonstrate there are compelling legitimate grounds which override your rights and freedoms or unless processing is necessary for the establishment, exercise or defence of legal claims.

You have the right to object at any time to processing your personal data for marketing activities. In such a case we must stop processing for this purpose.

What are your other legal rights?

In addition to the rights above the additional following rights:

  • Where you have given consent, you have the right to withdraw previous consent to processing your personal data at any time.
  • You have the right to request from us access to and rectification or erasure of personal data or restriction of processing concerning your data.
  • You have the right to receive data you have provided to us in a structured, commonly used and machine readable format.
  • You have the right to lodge a complaint with the regulator (see below).

To exercise any of these rights please contact us (details below).

How to contact our data protection officer

You can contact our data protection officer about any data protection or marketing issues via hello@abodemortgage.co.uk.

If You Have a Data Protection Complaint?

  • You can write to:
    Information Commissioner’s Office,
    Wycliffe House,
    Water Lane,
    Wilmslow,
    Cheshire,
    SK9 5AF
  • You can phone: 0303 123 1113
  • You can email: casework@ico.org.uk
  • By using their website:

https://ico.org.uk/for-organisations/report-a-breach/