Privacy and Cookies Policy

Making sure personal data is secure and properly dealt with is of paramount importance in our dealings with you. It is therefore important that you understand what information we will take, why we need it, and how we will process your details.

Who will process my data?

Nexpad Mortgages Limited will process your data in order to provide our services.

Nexpad is a trading style of Nexpad Mortgages Limited, which is an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority. Nexpad Mortgages Limited is registered in England and Wales, company number 16942809. Registered office: 6 Merus Court, Leicester, LE19 1RJ.

What data will you ask me for?

In order to provide our services and, where relevant, assess your suitability for products and services, we may need to obtain information about you, your personal circumstances, your financial situation and your requirements and objectives.

Some of the information will be private and may be sensitive, such as financial information, details of debts and credit commitments, legal proceedings, adverse credit, health information where relevant to protection products, and other personal data necessary to provide advice and recommendations.

Do I have to provide my personal data?

In order for us to consider your enquiry, application, or provide our services, you must provide all the information we ask for as openly and honestly as possible.

Non-disclosure could result in us being unable to proceed with your enquiry or application, or may affect the suitability of any recommendation made. If you are unsure whether information needs to be disclosed, you should disclose it anyway so that we can decide whether it is relevant, or speak to a member of the team for guidance.

How will you use my data?

The primary reason we will process your data is to provide our services to you and fulfil our contractual obligations. We may also process your information in order to meet our legal and regulatory requirements. These may include:

• complying with the rules and regulations set out by the Financial Conduct Authority and other regulators where required
• preventing financial crime such as money laundering and fraud, including passing your details to relevant bodies such as law enforcement agencies where required
• verifying your identity and assessing the suitability of products and services

We may also process your personal data for our own legitimate interests. Typically, these would be limited to:

• analysing our business for trends and research to improve our services to clients
• reviewing the work we have carried out for you to ensure we have met regulatory and quality standards
• ensuring that we are able to exercise or defend legal claims in the future
• maintaining internal records, audit trails and compliance oversight

How long will you store my data?

We will only keep your personal information for as long as necessary. How long that is depends on the type of data and the purpose for which it was collected. In most cases, your personal data will be stored for as long as required for us to meet our legal, regulatory and record-keeping obligations.

Can I see a copy of my personal data?

Yes. Please write to our Data Controller using the details below and we will provide a copy of any personal data we hold about you within one calendar month of receiving your request, unless an exemption applies. Please note that we may need to verify your identity before providing the information.

What if my data is incorrect or incomplete?

You have the right to have your data corrected or completed by contacting our Data Controller in writing using the details below. Please be aware that we may need to maintain records of information as it was disclosed at the time.

Can I have my data erased?

In some circumstances, you have the right to request that your personal data is erased. However, in many cases we will not be able to erase your personal data completely because we are obliged to maintain records of our dealings with you in order to evidence compliance with legal and regulatory requirements and, in some cases, to exercise or defend legal claims.

Who is the data controller?

How can I get more information?

If you would like further details on how we use your personal information, or if you have any data protection queries, please write to the Data Protection Officer at the above address.

How can I make a complaint about how my data has been handled?

Please write in the first instance to the Data Protection Officer at the above address.

If you are not satisfied with the response, you can make a complaint to:

Cookies & Using This Website

By submitting your personal data on our website, you agree to the data being transferred, stored and processed in line with this policy. We will take all reasonable steps to ensure that your data is treated securely and in accordance with applicable regulations.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. You must not share your password with anyone.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Cookies

Our website uses cookies to distinguish you from other users of our website. A cookie is a small file of letters and numbers that we put on your computer. Cookies contain information that is transferred to your computer's hard drive.

The cookies we use are 'analytical' cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

These cookies do not record any personally identifiable information (PII).

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Changes to Our Privacy & Cookies Policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy and Cookies Policy.

Important Notes on Protecting Your Own Data

Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. Nexpad Mortgages Limited will not take responsibility if you transfer money to a fraudster in error.