This privacy statement establishes how we handle the information we learn about you when you do business with RJ Mortgage Finance. Protecting the privacy and personal data of our visitors is of utmost importance to us.

 

This privacy notice provides information on how we and any of our subsidiaries, and any 3rd party

providers collect, use, secure, transfer and share your information. RJ Mortgage Finance is a

mortgage and insurance intermediary firm and we will collect information directly from you. It should

be noted that as part of the Financial Conduct Authority’s (FCA’s) regulatory process we are

Appointed Representatives of Mortgage Intelligence Ltd and are required to enter your details onto

their systems. Details of their Privacy Notice can be found at www.experiencemi.co.uk.

RJ Mortgage Finance is based at - 

105 Green Lanes

London

N13 4SP

 

1.1. Types of Information Collected.

RJ Mortgage Finance will typically collect but is not limited to:

INFORMATION WE WILL ASK FOR AND HOLD INCLUDES BUT IS NOT LIMITED TO -

  • First Name How many Dependants Personal Loan Details Marital Status
  • Middle Name Dependants Age Range Personal Debt Details Salary
  • Surname Photographic ID Personal Expenditure Accountant Details
  • Previous Name Address Verification Existing Mortgage Details Previous employers details
  • Date of birth Bank Statements Existing Insurance Details Employers Address
  • Present Address Credit Card Statements Email Address Employers Phone number
  • Residential Status Mortgage Statements Phone Numbers Health
  • Previous Addresses Proof of Deposit New Property Details Ethnicity
  • Landlord Details Payslips Solicitor Details Credit Card Details
  • Nationality Self Employed Accounts Estate Agent Details Bank Details
  • NI Number Employers Name New Mortgage Details
  • UK National Criminal Offences
  • /Convictions
  • New Insurance Details
  • Gender Doctors Details

1.2. Methods of Collection

In our general conduct of business, we collect information relevant to the provision of mortgage and

insurance intermediary advice from:

  • yourself
  • next of kin
  • spouse / partner / family member
  • Business associates
  • Employers
  • “Trusted” sources including:
  • Government / Land / Police registers
  • Credit / Default Agencies
  • Financial Institutions (Banks, Building Societies, Loan Agencies, Credit Card companies)
  • Insurance Companies
  • Law firms
  • Doctors
  • Through consent to third parties disclosing information about you to us that they have collected

 

Such information will generally be collected by us via the use of any of our standard forms, over the

internet, via email, or through a telephone conversation with you. We may also collect personal

information through our affiliates or suppliers.

 

In addition, you may choose to submit information directly to us via several methods, including:

in response to marketing or other communications

through social media

by signing up for a product or service

through participation in an offer, program or promotion

in connection with an actual or potential business or employment relationship with us

 

You may also agree to third parties disclosing information about you to us that those third parties

have collected.

 

We, our service providers and partners collect certain information by using automated means, such as

cookies and web beacons, when you interact with our advertisements, mobile applications, or visit our

websites, pages or other digital assets. The information we collect in this manner may include: IP

address, browser type, operating system, referring URLs and information on actions taken or

interaction with our digital assets.

 

We may use third-party web analytics services on our websites and mobile apps. The analytics

providers that administer these services use technologies such as cookies and web beacons to help

us analyse how visitors use our websites and apps.

"Your Rights and Choices" section of this Privacy Notice specifies your ability to limit the usage of the

information collected.

 

Purposes of Collection

Generally, we will collect, use and hold your information for the purposes of:

Undertaking our regulatory responsibility for assessing the suitability of advice

Dealing with lenders and providers to assist in providing a product or service

Providing relevant information on mortgage and insurance products and related services that

may be of interest.

Processing payments / transactions including: Accounting, Authorisation, Clearing,

Chargebacks, Auditing, Billing, Reconciliation, Collection, Complaints, Enquiries, Credit Checks

and related dispute resolution activities

Protecting against and preventing fraud, money laundering, tax evasion, claims, other liabilities

and managing risk exposure and agent /franchise quality, integrity, compliance and security of

business processes

Operating, monitoring, evaluating and improving our products, services, websites, mobile

applications, other digital assets and business:

Developing new products and services

Managing communications, assessing effectiveness and optimising advertising

Functionality of our websites, mobile applications and other digital assets

Enforcing our other legal rights as may be required by applicable laws and regulations or

requested by any judicial process or governmental agency having or claiming jurisdiction over

us or our affiliates.

Complying with industry standards and RJ Mortgage Finance policies

 

Lawful basis of processing

 RJ Mortgage Finances processes your information under the following basis:

Performance of a contract: where you enter into a contract with us and we need to process

your information as part of this contract

Legitimate interests: some information is processed by us as part of our legitimate interests

which include fraud, risk assessment, due diligence, network and information security,

suppressions and managing opting out of communications , profiling , direct marketing,

monitoring, web analytics, cloud storage, acquisitions, updating customer details, and other

core products and services provided by the data controller

Public interest: some information is processed in accordance with public interest

Consent: where we process information under consent we will seek your clear and

unambiguous consent prior to processing your data

 

Information We Share

We do not sell or otherwise disclose personal information we collect about you, except as described in

this Privacy Notice or as indicated via a consent process at the time the data is collected. We share

the information we collect with, but not limited to:

Vetted affiliates / Financial Institutions / Insurance Companies / Mortgage Companies for

business facilitation to provide required services, such as mortgages, insurance cover etc.

Vetted affiliates for the purpose of conducting consumer research

Formally contracted service providers to perform services on our behalf:

Hosting Datacentres, Infrastructure, Applications (Development / Support) , Cloud Services

(Software as a Service – SaaS, Platform as a Service – PaaS , Infrastructure as a Service –

IaaS)

Helpdesk, Call Centres etc.

We require these service providers to safeguard the privacy and security of

personal information they process on our behalf and authorise them to use or disclose the

information only as necessary to perform services on our behalf or comply with legal

requirements

Law firms

Auditors

Our Network Principal - Mortgage Intelligence Ltd

Credit agencies, Land Registry Office, Her Majesty’s Revenue and Customs (HMRC), Financial

Conduct Authority (FCA) and other relevant regulatory bodies

Additionally we may share information about you, if required legally, to prevent harm or financial /

reputation loss, for investigation of suspected or actual fraudulent or illegal activities.

On websites, features can be accessed where we partner with other entities that are not affiliated with

us. These include social networking, geo-location tools etc. are operated by third parties (indicated

appropriately) who may use or share personal information in accordance with their own privacy

policies. It is recommended that you review the third parties' privacy policies if you use the relevant

features.

We reserve the right to transfer your information in the event of a sale or transfer (wholly or partially)

of our business or assets, with reasonable efforts for the acquirer to protect / use your information

consistent with our Global Privacy Notice. You can exercise your rights to contact the acquiring entity

with questions concerning the protection and processing of your information.

 

How long do we keep information for

We will keep information for a reasonable amount of time in order to perform the purposes listed

above.

We only keep your information for as long as necessary. We generally keep personal

information/documentation up until completion of the mortgage or insurance policy. However, we

reserve the right to keep information for longer if we feel that this is in the legitimate interests of

RJ Mortgage Finance and basic information including name, address and outline mortgage/insurance

product information is kept on a separate record of business.

 

International Data Transfers

We and/or associated third parties may transfer the personal information collected about you to

recipients in countries other than the country in which the information was originally collected. Those

countries may not have the same data protection laws as the country in which you initially provided

the information. When we transfer your information to other countries, we will protect that information

as described in this Privacy Notice or as otherwise disclosed to you at the time the data is collected

(e.g. via program specific privacy notice).

 

Profiling

For the purposes of business conduct, enhancement, identification of fraud, money laundering and

other potential unauthorised activities, we may engage in profiling activities via direct use or

anonymisation of sensitive personal information.

 

Direct Profiling

Direct profiling is engaged for the fair and lawful purposes, to allow us to undertake legal reporting as

may be required by applicable laws, regulations, policies / standards or requested by any judicial

process or governmental agency having or claiming jurisdiction over us or our affiliates; including, but

not limited to:

Background checks for customers

Financial Viability analysis / reports

Business partner / customer portfolio position, performance, risk positions

Anti-money laundering

Tax reporting

Credit defaulting / exposure

 

Indirect Profiling

Indirect profiling via anonymisation of personal information is also used for preparing and furnishing

aggregated data reports showing anonymised information, including, but not limited to, the following:

Compilations, analyses, analytical and predictive models and rules, and other aggregated reports

for the purpose of advising our partners / affiliates and servicing institutions, retailers and other

customers regarding past and potential future patterns of service usage, spending, fraud, and

other insights that may be extracted from this data.

Compiling and communicating promotional and marketing information about products and

services that we, our affiliates and other organisations that we have affiliations with have and that

may be of interest to you.

Conducting market research

Facilitating our internal business operations, including the fulfilment of any legal requirements.

 

Your Rights and Choices

Your rights regarding the sensitive / personal information we maintain about you enable you to

exercise choices about what personal information we collect from you, how we use that information,

and how we communicate with you.

 

Access and Correction

You may have the right to:

obtain confirmation that we hold personal information about you

request access to and receive information about the personal information we maintain about you

receive copies of the personal information we maintain about you

The right to access personal information may be limited in some circumstances by local law

requirements. To exercise these rights, please see details below of requirements:

 

Update and correct inaccuracies in your personal information

If you feel that the information we hold about you is incorrect or inaccurate you can contact us

outlining the information you feel is incorrect or inaccurate.

If we refuse to correct your personal information, we will provide you with a written notice that sets out

the reasons for our refusal (unless it would be unreasonable to provide those reasons) and provide

you with a statement regarding the mechanisms available to you to make a complaint. We will provide

you with access to information we hold about you.

 

Object to the processing of your personal information

If you would like to object to any processing of your information by us you can contact us outlining

what processing of information you would like to object to.

 

Have the information blocked, anonymised or deleted.

If you would like us to delete, block or anonymise information we hold about you, you can contact us

outlining what information you would like deleted, blocked or anonymised.

To update your preferences, ask us to remove your information from our mailing lists or submit a

request to access, update, correct or delete your personal information, please contact us as specified

in the “How To Contact Us” section below.

 

Opting out of processing

You can opt out of collection of personal information by automated means e.g. when visiting our

website or third-party websites and interacting with our adverts, by using the Cookie Consent tool

displayed in the website (the browser you use may provide options on how to opt out of receiving

certain types of cookies). However, without cookies you may not be able to use all of the website

features and/or online services.

 

RJ Mortgage Finance operate a cookie policy. Some of our service providers and partners may collect

information about your online activities over time and across third-party websites to customise and

target our adverts.

You can at any time tell us not to send you marketing communications by:

e-mail richard@rjmortgagefinance.co.uk

unsubscribing via the “unsubscribe link” within the marketing e-mails you receive from us, or

contacting RJ Mortgage Finance as indicated below.

 

Withdrawal of consent

If we obtain your information by consent you have the right to withdraw any consent you previously

provided to us.

If we process your information under legitimate interest you can object at any time on legitimate

grounds, to the processing of your personal information

RJ Mortgage Finance will apply your preferences going forward. Doing so will mean that you

cannot take advantage of certain RJ Mortgage Finance and affiliate products, services and promotions.

The right to consent removal may be limited in some circumstances by local law requirements and

you will be informed appropriately.

 

How to Contact Us / Complaints and Feedback

If you:

believe we fall short of your expectations in processing your personal information

wish to make a complaint about a breach of your personal information, applicable privacy laws /

principles or have a concern about our privacy practices

would like access and/or update information or preferences you provided to us,

Please e-mail us at: richard@rjmortgagefinance.co.uk

Or write to us at:

105 Green Lanes

London

N13 4SP

To assist us in responding to your request, please give full details of the issue. We attempt to review

and respond to all complaints within a reasonable time.

If we cannot for lawful reasons complete your request we will explain this to you to the extent that we

lawfully can.

 

How We Protect Personal Information

The security of your personal information is very important and we are committed to protecting the

information we collect. We maintain administrative, technical and physical safeguards designed to

protect the personal information you provide or we collect against accidental, unlawful or unauthorised

destruction, loss, alteration, access, disclosure or use.

 

We do not collect any information via our website as we prefer to talk with our clients to discuss their needs personally. If you wish to call or email us we will be very happy to reply to you and if you tell us you do not wat any further dealings we will delete / destroy any information you have given to us.

We store personal information only for as long as it is necessary for the fulfilment of the purpose for

which the personal information was collected, unless otherwise required or authorised by applicable

law. We take measures to destroy or permanently de-identify personal information if required by law

or if the personal information is no longer required for the purpose for which we collected it.

 

Review and Updates

This privacy notice may be updated from time to time and you should review it on a regular basis.

 

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