Use of your Personal Information.
How Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker uses Your Personal Information
Our main use of your personal information is to assist you in your application for a bad credit mortgage, self cert mortgage, right to buy mortgage, commercial mortgage and other mortgage or provide a specific service you require. This will include your name, address and telephone number.
If you are applying or enquiring about health or life insurance, it may also include some data concerning your health. We may also obtain additional details from credit reference agencies.
After completion of the service, which we provide to you, your personal data may be archived and retained on our database and paper files. Such data will only be used in order to assist us to comply with our legal requirements or if your account is re-activated in relation to any subsequent application or request for other services that we may provide, such as buildings insurance or life assurance.
If you apply to Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker for insurance we will pass your details to the chosen insurer or a selection of life assurance providers. If you make a claim, any information you give Apple Mortgages Limited uk mortgage broker/ bad credit mortgage broker or the insurer may be put on a register of claims and shared with other insurers to prevent fraudulent claims. A list of participants will be available from the insurer that arranges your insurance cover.
We may also pass your details to other entities for the purposes of quality control, performance improvement, and property valuations for the purpose of establishing values, comparison and for arranging mortgage applications. For these purposes, Apple Mortgages Limited uk mortgage broker/ bad credit mortgage broker means bad credit mortgage, self cert mortgage, right to buy mortgage, commercial mortgage and other mortgage lenders and other mortgage lenders, solicitors connected with the transaction, your accountants, and other mortgage packagers associated with the transaction.
Occasionally, companies in the Apple Mortgages Limited group may contact you by letter, telephone, and email or otherwise to inform you about other products and services that may interest you. Apple Mortgages Limited will ask you to sign a separate document agreeing to this. If at a later stage you wish not to be contacted in the future please write to us at the following address:
Apple Mortgages Limited data office is 34 - 37 Offerton Industrial Estate,
Hempshaw Lane, Stockport. SK2 5TJ.
Unless you have given us your consent, Apple Mortgages Limited will not provide information about you to companies outside the Apple Mortgages Limited in order to use you information for it's own marketing purposes.
Occasionally, the Financial Services Authority (FSA) compliance review bodies audit a sample of Apple Mortgages Limited customer records to assess our compliance with the regulations. Whenever this happens, strict confidentiality conditions remain in force.
Under the Act you have the right to access the information that Apple Mortgages Limited hold about you on record. The Act allows Apple Mortgages Limited to charge a £10.00 fee for access to the file and making copies for you.
If you do not want to receive unsolicited mail from other companies, you can prevent this by registering with the Mail Preference Service. In addition the Telephone and Fax Preference Services enable you to object to you receiving unsolicited marketing telephone calls or faxes from companies and other businesses.
To register, simply telephone the appropriate number below:
Mailing Preference Service 0207 291 3310
Telephone Preference Service 0207 291 3320
Fax Preference Service 0207 291 3330
For more details about all the preference services, please see the Direct Marketing Associations website at: www.dma.org.uk
Credit Referencing
If you apply for a mortgage or other form of credit Apple Mortgages Limited, will instruct a search to be performed with a credit reference agency. The agency will keep a record that a search had been carried out and this will be shown on the record so that other lending institutions and suppliers of credit including mobile phone companies will be aware that you have been searched.
The number of searches shown on your record can affect you ability to obtain credit.
When applying for a mortgage Apple Mortgages Limited uk mortgage broker/ bad credit mortgage broker may search public records, such as the Electoral Roll, that are available from credit reference agencies to help us verify your identity.
Associations linking your financial records may be created on credit reference agency records when you apply for a mortgage in joint names. Your financial records, and those of anyone financially associated with you, may be considered in any future applications you make.
You have the right to apply to the credit reference agencies for a copy of your credit file. If there is anything incorrect on your file, you have the right to ask the agency to add a notice of correction.
Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker uses:
Equifax Plc
PO Box 1140,
Bradford,
BD1 5US
Tel 0870 010 0583
And/or
Experian Ltd,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX
Tel 0870 241 6212
If you have been refused credit you can get advice from your local Trading Standards Officer, Citizens Advice Bureau or Consumer Advice Centre, or through the agencies` websites.
The Information Commissioners website is: www.informationcommissioner.gov.uk or by telephoning 0870 600 8100
Credit Scoring
When you apply for a mortgage the details you provide, the information Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker already has and information from credit reference agencies may be used to assess credit risk using a system called credit scoring.
Various factors in all these details help the bad credit mortgage, self cert mortgage, right to buy mortgage, commercial mortgage and other mortgage lenders assess the risk and determine the bad credit mortgage, self cert mortgage, right to buy mortgage, commercial mortgage and other mortgage they are willing to offer you.
Representation
Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker also provide Insurance Services as agents for a variety of insurance providers. We will ask you to give your consent for us to contact you regarding the services available. Upon completion of any contract that has been arranged in relation to the insurance products, the provider may use your details to contact you about other products and services they provide. If you do not wish them to contact you about other products please ask them to remove your details from their customer service contact list.
Anti-Money Laundering & Statutory
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and the address of our customers. Apple Mortgages Limited uk mortgage brokers may need to do this whether you are applying for the fist time or if you have been a client of Apple Mortgages Limited for sometime. This process is essential to assist us in complying with our legal obligations. Acts of Parliament give certain bodies the power to force us to disclose information about our clients.
E-mail.
If you e-mail us, or give us your email address, we may keep a record of it. Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker may use it to contact you occasionally about our products and services, unless you ask not to do so. Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker will not give your e-mail address to any unauthorised third parties.
When e-mailing us, please use the email facility on our website to make sure that the content of your e-mail is as secure as possible. If you send us e-mails in other ways, remember that it will be insecure and could be intercepted. If you do send us insecure e-mail, please do not transmit any confidential information such as bank account details etc.
Telephone Calls
Apple Mortgages Limited uk mortgage broker/ bad credit mortgage broker may record telephone conversations to offer you additional security, resolve complaints and improve our service standards.
Conversations between you and Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker may also be monitored for staff training purposes.
Responsibility for Customer Confidentiality
All employees at Apple Mortgages Limited UK mortgage brokers are personally responsible for maintaining customer confidentiality. Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker provide training and education to all our staff to remind them about their obligations. Our policies and procedures are regularly audited and reviewed.
If you think your confidentiality has been broken, please write to:
Data Controller,
Apple Mortgages Limited
34-37 Offerton Industrial Estate
Hempshaw Lane.
Stockport. SK2 5TJ.
Business Customers
The Act does not generally apply to data relating to companies but it does cover data relating to partnerships and sole traders. When Apple Mortgages Limited uk mortgage broker/ bad credit mortgage brokers receive an application from such a business we may perform a search with a credit reference agency on the individual company directors or partners, and such data will be used in accordance with this statement
The Data Protection Act
The Data Protection Act 1998 (the "Act") puts obligations on users of personal information including uk mortgage brokers who arrange bad credit mortgage, self cert mortgage, right to buy mortgage, commercial mortgage and other mortgages. One of the most fundamental principles states that information has to be processed fairly and lawfully. This means that you are entitled to know how Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker intends to use any information you provide. You can then decide whether you would want Apple Mortgages Limited UK mortgage broker/ bad credit mortgage broker to have that information.
To provide the highest level of customer service Apple Mortgages Limited, UK mortgage broker/ bad credit mortgage broker needs accurate customer information. You can help by informing whenever there is a change in your.
You can contact Apple Mortgages Limited, uk mortgage broker/ bad credit mortgage broker either by telephone on the customer service line 0870 442 7747 or post to:
FREE POST Apple Mortgages Limited 34-37 Offerton Industrial Estate Hempshaw Lane Stockport. SK2 5TJ.