Privacy Policy

https://www.best-lifetime-mortgage-rates.co.uk/ is owned and operated by Unleash Equity Ltd. It is Unleash Equity Limited’s policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to https://www.best-lifetime-mortgage-rates.co.uk/ (hereinafter, “us”, “we”, or “https://www.best-lifetime-mortgage-rates.co.uk/”).

We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy (“Privacy Policy”) to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

Our Contact Details

Best Lifetime Mortgage Rates is owned and operated by:

• Unleash Equity Ltd
  16 Tichborne Street
  Brighton
  East Sussex
  BN1 1UR
• Contact Email Address: info@best-equity-release-rates.co.uk
• Phone Number: 020 3827 3572

Company Number 12232003. Registered in England and Wales.

At Unleash Equity Ltd, we look after your details carefully. We adhere strictly to the requirements under UK data protection legislation following the introduction of the General Data Protection Regulation (GDPR).

This policy describes how we collect, use and look after the information you provide us with when you use our online and mobile services and when we provide you with our products and services.

Please take a moment to read our Privacy Policy so you know what choices you have about the information we may ask you for. This policy may change from time to time so it’s a good idea to come back and read through it again when you get the opportunity.

The Type of Personal Information We Collect

Our company collects the following data

• Personal identifiers, contacts and characteristics (for example, name, address, date of birth, postcode, value of property, email address, phone number, outstanding mortgage.);
• Financial information (for the purpose of combating fraud and money laundering);
• Health and medical information (for the purpose of providing insurance advice);
• Property informant (for the purpose of mortgage underwriting);
• See our privacy and cookies policy for details of information collected by our website.
• Marketing information such as understanding the marketing channel used to arrive on the website.
• Information on how you use our website, including details of your domain name and Internet Protocol (IP) address, operating system, browser version, cookie details, how long you stayed on a page, the route you took to navigate through the pages and the website that you visited prior to accessing our site.

How We Get the Personal Information and Why We Have It

Most of the personal information we process is provided to us directly by you for one of the following reasons:

• Mortgage advice, assessment/qualification and underwriting;
• Insurance advice, assessment/qualification and underwriting.
• This information is collected on a ‘contractual’ basis to assist us with providing you with a mortgage and protection advice service.

We also receive personal information indirectly, from the following sources in the following scenarios:

• Lenders – Will provide us with necessary information to assist in providing advice, establishment of a lending product or the ongoing servicing of our customers;
• Insurers – Will provide us with necessary information to assist in providing advice, establishment of an insurance product or the ongoing servicing of our customers.

We use the information that you have given us in order to provide you with mortgage and/or insurance advice.

We may share this information with:

• Lenders (the specific lenders approached will be disclosed to you during the advice process);
• Insurance companies (the specific insurers approached will be disclosed to you during the advice process);
• The Financial Conduct Authority (regulatory purposes);
• The Information Commissioner’s Office (law enforcement);
• National Crime Agency (Law enforcement)
• Other law enforcement bodies (law enforcement);
• Customer Relationship Management and Product Sourcing Systems (day to day processing of your data).

Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

• We have a contractual obligation;
• We have a legal obligation;
• We have a legitimate interest.

How we store your personal information

Your information is securely stored in electronic format using our customer relationship management system, Pipedrive and Mortgage Applications are made on The Key.

Additionally, we also make use of market leading product sourcing technology provided by Mortgage Brain, Trigold, iPipeline and AIR sourcing.

We keep the above personal information for as long as is necessary to fulfil our regulatory and legal responsibilities.

This means that we will retain your information for as long as you are legally able to file a complaint or as long as we have a legal obligation to do so under Anti-Money Laundering legislation. We will then dispose your information by permanently deleting from our files.

Your data protection rights

Under data protection law, you have certain rights; including:

• Your right of access - You have the right to ask us for copies of your personal information.
• Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
• Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.
• Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.
• Your right to object to processing - You have the the right to object to the processing of your personal information in certain circumstances.
• Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at: dpo@therightmortgage.co.uk if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at dpo@therightmortgage.co.uk
You can also complain to the Information Commissioner’s Office [ICO] if you are unhappy with how we have used your data.

The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113
ICO website: www.ico.org.uk

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