This Privacy Notice describes how New Chapter Property Finance Limited (“we”) collects, uses, and discloses your Personal Information when you submit personal information on our site.
Our Contact Details
Name: New Chapter Property Finance Limited
Address: Suite G16 The Genesis Centre, Innovation
Way, Stoke on Trent, Staffordshire, ST6 4BF
Phone Number: 07360 156945
E-mail: info@newchapterpf.co.uk
Date : 25.10.2023
The type of personal information we collect
We currently collect and process the following
information:
- Personal identifiers, contacts and characteristics
(for example, name and contact details); - 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.
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 use the information that you have given us inorder 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, 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: http://www.ico.org.uk