Privacy Policy

Your privacy is very important to us which is why we ensure that any data shared with us, is treated responsibly and with our greatest care.

This Privacy Policy explains what information we collect, how we process your information and our use of cookies. We will also explain the types of information we hold and your rights under the General Data Protection Regulations.

We are registered with the ICO under ZB838925. but if you have any questions about our policy, please get in touch by email hello@morrowfinancial.co.uk or by telephoning

0333 090 9024.

We will typically use your personal data in the following circumstances, we may use more than one lawful processing purpose which is specific to how your data is being used:

Where you have provided your consent.
Where we need to perform the contract that we are about to commence or have commenced.
Where it is necessary to carry out for our legitimate interests including those of our third parties, and your interests and fundamental rights do not supersede those interests.
Where we need to comply with a legal or regulatory obligation.

When we rely on consent as a legal basis for processing your personal data, you have the right to withdraw consent at any time by contacting us at hello@morrowfinancial.co.uk

What happens to your information?

We, as the data controller, take appropriate security measures to protect your data from unauthorised access, but you acknowledge that we cannot always guarantee the safety and security of information sent over the internet before it reaches us.

With your consent, we shall request data from you for processing which, will only be used for its intended purpose, or to meet our legal and regulatory requirements. If you provide information about another person, for example if you are applying for a mortgage in joint names, you must have their permission to provide their information before you share with us.

Your data that is held by us, could be in paper format or, electronically. You have the right to opt–out of additional processing at any time by emailing hello@morrowfinancial.co.uk with your request.

Your data will only be shared with 3rd parties where it is necessary to fulfil the services requested by you. We may receive requests from a third party with authority to obtain disclosure of your data such as regulatory bodies, or where there has been an alleged criminal offence or unlawful activity.

In respect to marketing purposes, we will not share any of the information with any third parties for this purpose unless you agree, and once you have agreed you can opt out at any time.

If we have your marketing consent, we shall contact you with other products and services which we believe will be of interest to you; in respect of any promotional activity, we will only use the contact details you have provided.

Our third parties that we work with, and whom we are likely to share your data with are:

Knowledge Bank to provide sourcing on more complex circumstances.
iPipeline to provide protection sourcing solutions.
Paradigm Consulting who provide our contingency compliance support.
Paradigm Mortgage Services who provide a gateway to lenders.
Legal & General who provide a gateway to lenders.
Paradigm Protect who provide a gateway to protection providers.
FCA who will hold non identifiable data*
CircleLoop who provide our phone lines.
Acre Software who provide our CRM which includes a client portal and provide us with mortgage sourcing solutions.
Wix to communicate with clients.
MailChimp to communicate with clients.
Dashly who provide mortgage monitoring solutions.
Online Mortgage Adviser who provide client details for us to contact for a mortgage enquiry.

We will keep your information for as long as necessary or for as long as the relevant laws permit so that we can provide you with the services that you have requested. Whilst we hold your information, we will use appropriate security measures to protect your data against any unauthorised access or unlawful use.

When applying for a mortgage or protection, we want to provide the best possible service. For us to do this, we will ask you for information in our first contact with you and complete a fact find.

The types of information we collect in the fact find to use when we are providing a service to you are:

Data that identifies you as a person such as your name kept with your address, date of birth and contact numbers.
Financial information such as bank statements, bank account details, income details including payslips details of your credit history.
Technical data including your navigation of our website, your IP address or log–in details when using our portal to exchange important documents for your mortgage or protection application.
Transactional data collected from the products you buy from us.
Data required by the lender to underwrite your application.
Marketing data preferences from us and our business partners including how you prefer us to keep in touch with you.

We may need to collect sensitive data, this is data that is also described as ‘Special Category’ data because it is likely to include health details, criminal offences, and convictions. Special Category data is typically collected when we talk to you about suitable mortgage options or protection policies during our fact find process. Some data is also collected for the purposes of preventing fraud.

When assessing your information, we will also consider if there are any vulnerabilities, this is so that we can adapt how you prefer us to communicate with you.

Wherever practical, we shall keep your information up to date so that it is accurate and current; if your personal information changes, please let us know. Information we keep is stored securely and maintained with the help of by our third–party technical consultants to help prevent against cybercrime. When using our website, we collect information to help us understand how our visitors are using it. Information we collect for this purpose is completely anonymous.

When visiting our site from outside the UK, your visit will necessarily result in the transfer of information across international borders. When visiting our site and communicating electronically with us from outside of the UK, you are consenting to these transfers.

Our website has a function for you to leave your contact details if you would like us to tell you more about the services we offer, we do not share this information with any other third party unless you choose to do business with us.

Cookie usage

Cookies are used to help website visitors navigate more efficiently by placing small text files in places that you have visited. You can control cookie usage when you visit a website, but you may find that some of the functions don’t work as well. Some cookies are essential and are set automatically whilst others need to be approved when you first go onto a website.

Your Rights

You have rights under data protection laws in relation to your personal data such as limiting the information we keep for you or access to your data usually free of charge. There are circumstances where we may charge a reasonable fee if your request is repetitive or excessive. Please contact us if you would like to discuss or exercise your rights under the General Data Protection Regulations.

Your rights include:

Request access to your personal data (Data Subject Access Request or a DSAR) which enables you to receive a
copy of the personal data we hold about you and to check that it is being processed lawfully.
Request correction of the personal data that we hold about you. Whilst we will take great care in ensuring the data, we hold for you is accurate and up to date, we will correct any incomplete or inaccurate data we hold about you after verifying the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it.

You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we’re required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you.

Object to processing of your personal data where we’re relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we’re processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:

(a) if you want us to establish the data’s accuracy

(b) where our use of the data is unlawful, but you don’t want us to erase it

(c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or

(d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your personal data to you or to a third party. We’ll provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine–readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we’re relying on consent to process your personal data. However, this won’t affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We’ll advise you if this is the case at the time you withdraw your consent.

Disclaimer

Nothing on this website shall be deemed to constitute financial advice and if you wish to have any such advice, please contact us.

Whilst we use all reasonable efforts to ensure that the information published on this website is accurate, current, and complete at the date of publication, no representations or warranties are made (express or implied) as to the accuracy, currency or completeness of such information. We cannot accept responsibility (to the extent permitted by law) for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website or any other website to which it may be linked. We make no warrant that this website is free from errors, defects, or viruses.

This website is for information purposes only and its content is subject to change without notice as we reserve the right to change, modify, add, or remove provisions of this Privacy Policy. Any changes to this Policy will be available here and we recommend that you visit this Policy during your relationship with us.

Access by you to our website is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

This website is prepared and issued in the United Kingdom and is intended for the information of United Kingdom residents only.