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Privacy Policy of the MoneyBackMortgages.com website

MoneyBackMortgages.com (“we” or “us”) takes your privacy seriously. This Privacy Policy explains how we will use information about you and the steps we take to ensure your information is kept secure and confidential. It should be read together with our Terms of Use.

Please read this Privacy Policy carefully. If you use any of our services, which are described in the Terms of Use (“Services”), you will be regarded as having read and accepted this Privacy Policy. You must not use this Website or our Services if you do not accept this Privacy Policy.

MoneyBackMortgages.com is the data controller under the Data Protection Act 1998 in relation to the processing of your personal data in connection with the Services. Our registered address is MoneyBackMortgages.com, 38 Richmond Hill, Bournemouth, BH2 6EJ. If you have any queries relating to our use of your personal data or any other related data protection questions, please contact our Data Protection Officer at post@moneybackmortgages.com.

The information we collect

We collect personal information about you when you give this to us in the course of registering for and/or using our Services, for example, in order to obtain comparative quotes for mortgages. In the course of providing the Services to you, we may also store information about how you use our Website, for example, the pages viewed, the website from which you came to visit our Website, changes you make to information you supply to us, details of the quotes you request and your transactions, together with details of your financial information, for example, bank account or payment details.

Telephone calls that you make to our customer services help line on 0800 1670776 may be monitored and/or recorded. This will help us to train our staff and improve our service to you.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

Purposes for which we use information about you

We and other members of the MoneyBackMortgages.com Group may use your personal information for the following purposes:

  1. to enable you to access and use the Services; and/or
  2. to personalise and improve aspects of our overall service to you and our other users, as well as carrying out research such as analysing market trends and customer demographics; and/or
  3. to communicate with you, including sending you information about products and services which we think may be of interest to you, based on information you previously provided to us.
  4. to process a transaction between you and a third party.

Passing on information about you

As part of using our Services you consent to us disclosing your personal information to the following parties:

  1. Third parties, including but not limited to companies whose products or services are included on our website with a view to providing you with an online quotation for the product and/or service requested by you. When these companies use your data in this way, they will be acting as data controllers of your information and therefore you should view their privacy policies or contact them directly for further information. For further information about these third parties, please contact us at post@moneybackmortgages.com. Some third parties with which we share your information may use it to carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future.
  2. Some product providers may carry out checks against data they already hold on you (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data or loyalty scheme data.
  3. The Financial Conduct Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;

Where permitted by data protection and privacy law, we may also disclose information about you, or access your account:

  1. if required or permitted to do so by law; and/or
  2. if required to do so by any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency; and/or
  3. if necessary in connection with legal proceedings or potential legal proceedings; and/or
  4. in connection with the sale or potential sale of all or part of our business or the company.

If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.

Keeping you informed of offers and services

You agree that we shall be entitled to advise you via e-mail, post, telephone or by text of products, services and other offers we think may interest you. For example, we may e-mail you letting you know how you could save money by changing products and services.

Whenever you provide us with personal information, we will give you an opportunity to tell us you do not consent to us and others using and sharing your information for marketing purposes. Unless you tell us otherwise, you are consenting to such uses.

Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time.
Should you no longer wish to be contacted by us, you can advise us at any time by contacting our Customer Services team on 0800 1670776 (lines are open Monday to Friday 9.00 to 5.30) or by sending an email to post@moneybackmortgages.com.

Improving our Service to you

In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the website. Any feedback you provide will be used as part of our programme of continuous improvement and may be published on the website.

Cookies

A cookie is a very small text file placed on your computer. Cookies help us to:

  1. understand browsing habits on this Website;
  2. understand the number of visitors to this Website and the pages visited; and
  3. remember you when you return to this Website so we can provide you with access to previously saved quotes.

Most cookies are deleted as soon as you close your browser, these are known as session cookies. Others, known as persistent cookies, are stored on your computer either until you delete them or they expire. The cookie used to keep you signed in to your account expires after 90 days. Every time you visit MoneyBackMortgages.com, you will be kept signed in for a further 90 days. By using this Service, you consent to us using cookies.

You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our website on your system.

Security

Keeping information about you secure is very important to us. However, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk. The Terms of Use also explains your obligation to keep secure any username and password which you create when registering for the Services.

Transferring your information abroad

Information supplied by you to us will only be transferred outside the European Economic Area by us or our agents where this is necessary for the purpose of performing obligations to you, or when you have given your prior consent to such transfer.

Your Rights

You have certain rights under the Data Protection Act 1998. For example, in accordance with the Data Protection Act 1998 we will always let you have a copy of the personal information we have about you, if you request it from us in writing. The law allows us to charge you a £10 fee for a copy of such information and we may do so.

Your responsibility for the information you provide

You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. As explained in our Terms of Use, where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts.

We may also need to collect information from you about other individuals, e.g. second mortgage applicants. As explained in our Terms of Use, by submitting another person’s details you are confirming to us that you have their permission to do so and that they understand how their details will be used.

Anti-Spam

MoneyBackMortgages.com will not advertise our services using unsolicited means.

Testimonials

I have been very impressed with the service especially from Michelle who even in this tougher mortgage climate battled to get the mortgage through. Would recommend your service to all ... more. Jacqueline L