Privacy Policy

Last Updated: 02/10/2024

When you visit our website https://www.bemortgaged.co.uk (the “Website”), and more generally, use any of our services (the “Services”, which include the Website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.

This privacy notice applies to all information collected through our Services (which, as described above, includes our Website), as well as any related services, sales, marketing or events. Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.

BE Mortgaged Ltd
3 Broomfield Crescent, Leicester
Leicester, Leicestershire LE4 0EN
United Kingdom
Phone: 07464 355 128
Email: Bilaal@BEMortgaged.co.uk

BE Mortgaged Ltd (“we”, “us”, or “our”) is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal data when you interact with us, in accordance with the UK General Data Protection Regulation (UK GDPR) and other relevant privacy laws.

1. Data Controller

BE Mortgaged Ltd is the data controller for the personal data you provide to us. We are responsible for ensuring that your data is processed in compliance with the UK GDPR.

2. Personal Data We Collect

We may collect and process the following personal data about you:

Identity Data: Full name, date of birth, marital status, and gender.
Contact Data: Address, email address, and telephone numbers.
Financial Data: Bank details, income, savings, investments, and financial history.
Transaction Data: Information about payments and details regarding any products or services you purchase from us.
Usage Data: Information on how you use our website, products, and services.
Technical Data: IP address, browser type and version, time zone setting, and location, browser plug-in types and versions, operating system, and platform.
Marketing and Communications Data: Preferences for receiving marketing communications and your communication preferences.

3. How We Collect Your Personal Data

We collect personal data from you through:

Direct Interactions: By filling out forms, or by corresponding with us by phone, email, or otherwise.
Automated Technologies: When you interact with our website, we may automatically collect Technical Data about your browsing actions.
Third Parties: We may receive personal data about you from third parties, including business partners, fraud prevention agencies, public sources, or credit reference agencies.

4. How We Use Your Personal Data

We use your data to:

Provide Services: To process mortgage applications, assess your financial suitability, and provide you with financial advice.
Customer Support: To manage and respond to your queries and complaints.
Legal Compliance: To meet legal and regulatory obligations.
Marketing: To send promotional materials and updates (with your explicit consent).
Website Improvement: To improve user experience and ensure our website is secure and up to date.

We will only use your personal data when the law allows us to.
Most commonly, we rely on the following lawful bases:

Performance of a Contract: Where we need to perform a contract, such as providing mortgage advice or services.
Legal Obligation: Where we need to comply with a legal or regulatory obligation.
Consent: Where you have provided explicit consent for marketing or similar purposes.

5. Sharing Your Personal Data

We may share your personal data with:

Service Providers: Third-party companies that assist us in providing services, such as IT services, analytics, and marketing.
Mortgage Providers: Lenders and financial institutions to process mortgage applications.
Regulatory Bodies: HM Revenue & Customs, the Financial Conduct Authority (FCA), and other authorities.
Professional Advisers: Accountants, lawyers, and other professional services.

We ensure that third parties who receive your data are subject to appropriate security measures and privacy obligations.

6. International Transfers

We do not transfer your personal data outside the UK or European Economic Area (EEA). If we ever need to do so, we will ensure it is transferred securely in compliance with the UK GDPR, and only to countries or organisations with adequate data protection standards.

7. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. The retention period will vary depending on the service provided, but typically, we retain personal data for at least [insert time, e.g., 6 years] following the end of your relationship with us.

8. Your Rights

Under the UK GDPR, you have the following rights concerning your personal data:

Right to Access: You can request access to the personal data we hold about you.
Right to Rectification: You can ask us to correct any inaccurate or incomplete data.
Right to Erasure: You can request that we delete your personal data, subject to legal or regulatory restrictions.
Right to Restriction of Processing: You can ask us to suspend the processing of your data in certain situations.
Right to Data Portability: You can request the transfer of your data to another party.
Right to Object: You can object to the processing of your data based on legitimate interests or direct marketing.

If you wish to exercise any of these rights, please contact us at Bilaal@BEMortgaged.co.uk 

9. Data Security

We take the security of your personal data very seriously. We have implemented appropriate technical and organisational measures to prevent your data from being lost, used, accessed in an unauthorised way, altered, or disclosed.

10. Cookies

Our website uses cookies to improve your experience and analyse traffic. For detailed information on the cookies we use and how to manage your preferences, please refer to our Cookie Policy.

11. Marketing Communications

You will only receive marketing communications from us if you have opted in to receive them. You can withdraw your consent at any time by:
Clicking the unsubscribe link in any email sent to you.
Contacting us at Bilaal@BEMortgaged.co.uk

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and, where appropriate, notified to you by email.

13. Complaints

If you have any concerns about how we handle your personal data, you can contact us directly at Bilaal@BEMortgaged.co.uk .
You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK’s supervisory authority for data protection issues:
Website: https://ico.org.uk
Phone Number: 0303 123 1113.

14. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at:

BE Mortgaged Ltd
3 Broomfield Crescent, Leicester
Leicester, Leicestershire LE4 0EN
United Kingdom
Phone: 07464 355 128
Email: Bilaal@BEMortgaged.co.uk

15. What if I am still no satisfied?

If you are not satisfied with how BE Mortgaged has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO) as the regulator for data protection in the UK.