Mortgage Advice Bureau Limited. Registered Office: Capital House, Pride Place, Derby DE24 8QR. Registered in England Number: 3368205
Mortgage Advice Bureau (Derby) Limited. Registered Office: Capital House, Pride Place, Derby DE24 8QR. Registered in England Number: 6003803
Companies known together in this document as “Mortgage Advice Bureau”, “we” and “us”
Mortgage Advice Bureau and Mortgage Advice Bureau (Derby) Ltd comply with Data Protection laws in the United Kingdom. This Privacy Policy details how we process personal data in the Mortgage Advice Bureau Reapit app.
User Data Processed Via The Reapit App
The personal data we collect via the Reapit App
Personal data collected, used, stored and transferred by us may include:
- Identity Data including forenames, last name and unique identifier
- Contact Data including email address and telephone numbers
- Employment Data including employer, work address
How we use your personal data
Data submitted to access the Mortgage Advice Bureau Reapit app is processed using the performance of a contract as the lawful basis for processing. Without providing your personal data it would not be possible to provide access to the app.
Once you have installed the app, we further process your personal data to link the app to our existing systems to facilitate the correct processing of client personal data submitted through the app by you.
Marketing and use of AI & Automated Decision Making
We will only use your personal data for the above stated purpose and will not use your data for any marketing purpose. Data submitted via the Reapit app will not be subject to any AI or Automated Decision Making.
Data Security
Your personal data is protected by appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. For further detail please see the Reapit privacy policy.
Sharing of personal data outside of the United Kingdom
Some of our external suppliers are based overseas so their processing of your personal data will involve a transfer of data outside of the UK. In such cases data is transferred under conditions to provide protection to personal data equivalent to UK Data Protection standards. This includes the use of standard contractual clauses in contracts with external suppliers in order to provide the same level of protection for personal data as it has in the UK.
Changes to our Privacy Notice
We keep our Privacy Notice under regular review. This Privacy Notice was last updated on 27th July 2021. Historic versions can be obtained by contacting us.
Who we disclose personal data to
Data submitted to the Mortgage Advice Bureau Reapit app is shared within Mortgage Advice Bureau for the purpose of linking your Reapit account to other MAB systems to ensure the correct processing of client data submitted via the app.
To support this activity your personal data may be shared with external suppliers providing specialist IT services. These suppliers 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?
Your personal data will be retained to support the use of the Reapit app. Your access will be revoked once access is no longer required. Some personal data such as your name and employer may be retained for a longer period for historical and audit purposes in relation to the client transaction.
Your legal rights regarding your personal data
- Request access to your personal data.
- Request correction of the personal data.
- Request erasure of your personal data
- Object to processing of your personal data where we are relying on a legitimate interest
- Request restriction of processing of your personal data.
- Request the transfer of your personal data to you or to a third party.
- Withdraw consent at any time where we are relying on consent to process your personal data.
EU Citizens
Clients who reside within the European Union retain their data subject rights under the EU General Data Protection Regulation. EU-based clients with queries regarding how Mortgage Advice Bureau processes their data can contact our EU representative DataRep by emailing [email protected] or by visiting their website www.datarep.com/data-request
Questions
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 Data Protection Team by emailing [email protected] 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.
What if I am still not satisfied?
If you are not satisfied with how the Mortgage Advice Bureau 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.
Client Data Processed Via The Reapit App
Client data processed using the Reapit app
Data submitted to the Mortgage Advice Bureau Reapit app is processed using consent as the lawful basis for processing. Therefore, you must ensure that you obtain consent from the client before submitting data to the Mortgage Advice Bureau Reapit app and record appropriate data to provide demonstrable proof of the client consent. When the data is received by Mortgage Advice Bureau via the Reapit app, Mortgage Advice Bureau becomes a data controller in our own right and the data subsequently processed in accordance with our Client Privacy Notice.
The personal data we collect via the Reapit App
Personal data collected, used, stored and transferred by us may include:
- Identity Data including forenames, last name
- Contact Data including home address, email address and telephone numbers
- Financial Data including income & expenditure, deposit, loan amount, term, property value
Marketing and use of AI & Automated Decision Making
Any client data submitted via the Reapit app will only be used for the above stated purpose and will not use your data for any marketing purpose. Data submitted via the Reapit app will not be subject to any AI or Automated Decision Making. Any marketing preferences will be confirmed with the client when a Mortgage Advice Bureau adviser has engaged with them.
Data Security
Client data submitted via the app is protected by existing Reapit security measures. Mortgage Advice Bureau applies appropriate security measures to our own IT systems to prevent personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. These measures include the encryption of data at rest and in transit, firewalls, and intrusion detection systems.
Who we disclose personal data to
Client data submitted to the Mortgage Advice Bureau Reapit app is shared within Mortgage Advice Bureau for the purpose of linking your Reapit account to other MAB systems to ensure the correct processing of client data submitted via the app.
To support this activity personal data may be shared with external suppliers providing specialist IT services. These suppliers are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use personal data only in the course of providing such services and in accordance with Mortgage Advice Bureau instructions.
Client data is subsequently shared within the Mortgage Advice Bureau network to allow an adviser to contact the client to discuss their mortgage requirements. This and any subsequent processing is performed in accordance with the Mortgage Advice Bureau Client Privacy Notice.
Sharing of personal data outside of the United Kingdom
Some of our external suppliers are based overseas so their processing of client personal data will involve a transfer of data outside of the UK. In such cases data is transferred under conditions to provide protection to personal data equivalent to UK Data Protection standards. This includes the use of standard contractual clauses in contracts with external suppliers in order to provide the same level of protection for personal data as it has in the UK.
How long is your personal data retained?
Client personal data will be transferred from the Reapit app to MAB systems and then processed within Mortgage Advice Bureau systems. At this point Mortgage Advice Bureau becomes a data controller and the client data processed in accordance with our Client Privacy Notice.
EU Citizens
Clients who reside within the European Union retain their data subject rights under the EU General Data Protection Regulation. EU-based clients with queries regarding how Mortgage Advice Bureau processes their data can contact our EU representative DataRep by emailing [email protected] or by visiting their website www.datarep.com/data-request
Questions
Any questions or complaints relating to how we process client personal data can be directed to the Data Protection Team by emailing [email protected] or by writing to us.