This privacy policy explains how we collect, use, and protect your personal data. We’ll also explain your privacy rights, and how the law protects those rights. That includes data provided by you when visiting our website, contact us, or purchase a service(s) with us. This also includes data we collect from you or from other sources when we provide our services.
Throughout this policy we will reference the terms ‘we’, ‘us’, ‘our’, or ‘Sail Mortgages’, in doing so we will be talking about Sail Mortgages Ltd. And when using the terms ‘you’ or ‘your’ we’re talking about our customers, as well as individuals who visit our site.
Sail Mortgages Ltd is committed to protecting your privacy and ensuring any personal information we collect is used and stored appropriately, lawfully and securely. To accomplish this, we comply with all the relevant data protection laws including the retained EU law version of the General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Please read this Privacy policy to understand your rights, what information we collect, how we use that information and how we protect it.
Personal information includes your name, address and telephone number and other information that is not otherwise publicly available. We collect personal information about you when you contact us about products and services, visit us in person, visit a website under our control, or register to receive one of our newsletters (where applicable).
The type of personal information we collect will depend on the purpose for which it is collected. Examples of what each type includes:
We collect personal information directly from you. For example, we ask for personal information at the start of our relationship and in subsequent communications in order to check your identity and protect you from fraud. This is a legal requirement and is important to help safeguard you against potential crime.
If you are making a joint application, such as with a spouse, we will also collect some of this information about the person you are applying with. You will need to make sure you have the agreement of this individual before sharing this information with us.
By acquiring sensitive data, we can provide the most appropriate financial advice to you. This can include data such as lifestyle information or physical and mental health conditions.
The Financial Conduct Authority asks companies, such as Sail Mortgages to give special levels of care to customers they think might be vulnerable. If we think you’re vulnerable, we might record that information to help us give you the right service. This data will also be considered sensitive.
By acquiring sensitive data, we can provide the most appropriate financial advice to you. We will always obtain your consent during the advice process to gather this data and explain what information we require as well as why we need it. Sensitive personal information will always be processed and stored securely, and you can withdraw your consent at any time. However, it is possible that you will no longer be able to access the service or product the information was gathered for if you choose to do so.
When a company processes special category information they must have “legal basis” to use it, which means a legal reason from GDPR. The legal basis we rely on is “legal obligation” – meaning we must process your data because the law or regulations require us to do so.
Companies must also meet one of the legal conditions in Article 9 of the GDPR. The conditions we rely on are “substantial public interest,” “regulatory requirements” and “support for individuals with a particular disability or medical condition.” This means we use this data to endeavour to support you to the best of our ability – for example, you might tell us that you’re deaf, and that you prefer us not to call you on the phone, in this instance we would use this information to support you using online chat.
We also collect and process aggregated data.
That’s information about our customers that we combine together so that it cannot be used to identify any specifical individual. We use this for all sorts of business reasons – like market analysis and research, demographic profiling, marketing and advertising, and to comply with regulation.
Aggregated data isn’t considered personal data because it won’t reveal your identity. But if we combine or connect aggregated data with your personal data so that it can identify you, we’ll treat that combined data as personal data, and it will be processed in accordance with our policies for person data.
We’ll only keep your data for as long we need it to carry out the service you’ve requested of us. Or where law and regulation tell us we need to keep it for a specific amount of time. Personal information will be securely disposed of when it is no longer required, in accordance with recommended data control and disposal practices. A copy of this information is available upon request, using the contact information at the end of this Privacy Policy.
If you submit a mortgage application through us and your application is unsuccessful, we’ll keep your data for 6 years.
If you get a mortgage through us, we’ll keep your data for the term of the mortgage and for 6 years after that. This helps us talk to you about your mortgage in the future, and get you on the best deal when it’s time to remortgage. It also helps us make sure we gave you the most appropriate advice.
Sometimes we anonymise your personal data (so it can’t identify you anymore) for research or statistics. We keep that data for as long as we need it.
Do you need to talk to us about how long we keep your data, or ask us to delete your data? You can get in touch using the contact details at the end of this privacy policy. If we have to wait, or if we can’t delete your data, we’ll let you know the reasons why – this is often due to laws or regulations which stipulate that we have to wait a certain amount of time before we’re allowed to delete your data.
We will collect and record your personal data from a variety of sources, but mainly directly from you.
You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgages/finance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of your personal data, for example software that is able to verify your credit status, we will only do this if we have consent from you for us or a processing partner to access your information in this manner.
With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Here’s how we might collect personal data on our website, on the phone, or from other companies and places:
You might give us data (i.e., about your identity) when you do any of these things –
Automatically collected data –
Data from other sources. Sometimes personal data is acquired from outside of Sail Mortgages, which can include –
https://www.sailmortgages.co.uk/ might link to other places, such as other websites or applications. We claim no control over these websites and/or apps and are not responsible for their privacy policies. As such, they may collect and process data about you in a different way than we do. Read their privacy policies if you’d like more information about how they do that.
There is only a few instances where will need to share your data.
In each case, your personal data will only be shared for the purposes of progressing your mortgage enquiry and to provide you with our professional services
Please note that sharing of your personal data does not entitle any third parties to send you marketing or promotional messages. We are only sharing such data to ensure we can adequately fulfil our responsibilities to you, and we do not provide them with any consents on your behalf to use this data further than this goal.
We will also share information with lenders and providers in order to provide the services detailed. These lenders and providers will each have their own Privacy Policies which can be found on their websites.
In endeavouring to provide our services to you we will not knowingly allow your personal data to be transferred outside of the European Economic Area. However, cannot speak for third party services, please see their Privacy Policies.
Outside of this, where required we will also share your data with regulatory bodies, the police and fraud prevention agencies, to prevent and detect fraud. As well as third parties where required by law, court order or regulation.
Your personal data may be recorded and stored in any / all of the following, our paper files, mobile devices and on our computer systems – including websites, email, hard drives, and cloud facilities. This information can only be accessed by employees and consultants within Sail Mortgages and only when it is necessary to provide our service to you and to perform any administration tasks associated with that purpose.
Submit personal data to mortgage lenders/commercial Lenders and/or insurance product providers, both in paper form and online via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.
Use Your personal data for the purposes of responding to any queries you may have in relation to any mortgage product you may take out, or to inform you of any developments in relation to those products and/or polices of which we might become aware.
We process your information in order to support and maintain our contractual relationship with you and to comply with legal and regulatory requirements. This includes the following:
We also process your data for specific business purposes to enable us to provide you with the best products and services as well as the most secure experience. Our business purposes include the following:
You have the right to object to this processing if you wish. Please bear in mind that if you object, this may affect our ability to carry out the tasks above for your benefit.
We may also process your personal data as part of an acquisition or sale. Should this happen, you will be notified about any change to processing or data controller arising as a result of this.
Only a limited and authorised number of people can ever access your information, on a business need to know basis only.
We want to make sure your information isn’t accidentally lost, used, accessed, changed or shared in an unauthorised way. We’ve put robust security in place to make sure of that.
If we ever have reason to believe that something’s gone wrong, there are procedures we have in place to deal with it. If something does go wrong, we’ll tell you (and if needed a regulator) where we’re legally required to.
You have the right to opt out of marketing information and tell us what your communication preferences are, even if you decide to rescind consent after previously giving it.
You can do this by contacting us via the details at the end of this page, or by using the ‘unsubscribe’ option below any marketing email you receive from Sail Mortgages Ltd.
You have rights under the GDPR when it comes to your personal data and how it is handled. You have the right to:
Page last updated: 18th OCTOBER 2023
We regularly review this privacy policy, and we’ll update this page as often as we feel necessary. Please check back often to ensure you’re up to date.
If you have any questions about this Privacy Policy, you can reach out to us using form on our contact page or via the details below:
To call us – 07986 641318
To email us – lisa.neath@sailmortgages.co.uk
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