Privacy Policy
Privacy Notice
Itsinthesmallprint Limited is committed to protecting and respecting your privacy. We comply with all relevant data protection laws including the EU General Data Protection Regulation (GDPR). Itsinthesmallprint Limited is a limited company registered in England & Wales (registered number 05815372), whose registered office is Claremont House, 25 Victoria Avenue, Harrogate, United Kingdom, HG1 5QQ.
This Customer Privacy Notice, together with any document referred to within, sets out the basis on which we will use the personal information you supply to us directly yourself or supplied to us by a third party. Itsinthesmallprint Limited is responsible for forwarding personal information you supply to Lenders, Intermediaries, Solicitors and Valuers. We are registered with the Information Commissioners Office under the UK Data Protection act 1998, registration number ZA024212.
Why is this relevant to me?
To enable us to assist you in sourcing suitable finance, we will ask you to provide us with detailed personal information relating to you or your clients existing circumstances including financial situations and credit history. This document is important as it allows us to explain to you what we will need to do with the personal data collected, and the various rights you have in relation to Your Personal Data.
What is ‘Personal Data’
Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your financial situation and credit history with or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your Mortgage/Finance requirements Your Personal Data may include:
How we deal with your Data
The basis upon which our company will deal with Your Personal Data when we communicate about your finance requirements, we do so on the basis that all parties are entering a contract for the supply of services.
In order to perform that contract, and to arrange the products required, we have the right to use Your Personal Data for the purposes detailed below. Alternatively, either in the course of initial discussions or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected.
On occasion, we will use Your Personal Data for contractual responsibilities for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.
How your data is collected
We will collect and record Your Personal Data direct from you and/or an Intermediary. You will usually provide information during the course of the initial discussions to establish your circumstances, requirements and preferences in relation to finance, with the full knowledge that we will need to pass your personal data to brokers and intermediaries to enable us to fulfil our agreement and assist you in obtaining suitable finance. 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.
How we use your Data
Who we may share your Personal Data with
When we proceed with a finance application or other service for you and your data is transferred to a Third Party, we recommend you also read their Privacy Notice in conjunction with ours. Whilst these third parties are bound by the Data Protection Act, all credit searches are logged and added to your credit record and may affect your credit score. As a result, please be aware that this may then be visible by others undertaking similar searches. Please provide accurate and complete information wherever possible. Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.
Security and retention of Your Personal Data
Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party. All software suppliers store any data in the UK and are subject to UK regulations including the UK Data Protection Regulations and are obliged to keep your details securely and use them only to fulfil the contracted service. We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us. Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.
Your rights in relation to Your Personal Data You can:
Ask us to send an electronic copy of Your Personal Data to another organisation should you wish
Change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety)
Marketing
We will seek your consent to provide you with general market news and updates and to inform you of any products and services offered by itsinthesmallprint Limited. If you use a service offered by itsinthesmallprint limited, you will not automatically be opted in to marketing without your consent. We will obtain consent from you either verbally, by email, face to face during meeting, or by completion of a consent form and will keep a record of your consent. You may unsubscribe at any time and you may also withdraw your consent at any time.
Further Questions?
If you have any questions or comments about this document or wish to make contact in order to exercise any of your rights set out within it please contact: Compliance Department, itsinthesmallprint Limited, Claremont House, 25 Victoria Avenue, Harrogate, United Kingdom, HG1 5QQ or email support@itsinthesmallprint.com.
If we feel we have a legal right not to deal with your request, or to action, it in different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.
If you have any concerns or complaints as to how we have handled your personal data you may in the first instance contact our Compliance Department via post itsinthesmallprint Limited, Claremont House, 25 Victoria Avenue, Harrogate, United Kingdom, HG1 5QQ or email support@itsinthesmallprint.com.