Calluna Financial are an appointed representative of Mortgage Advice Bureau.
Personal data collected, used, stored and transferred by us may include:
Personal data is collected by us using the following methods:
We use your personal data in the following circumstances and relying on the following lawful basis or processing:
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Purpose / Activity |
Type(s) of data |
Lawful basis for processing |
|---|---|---|
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To initially engage with you to discuss your requirements |
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Consent |
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To process and deliver your application or a mortgage or protection product |
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Performance of a contract with you To comply with a legal obligation Necessary or our legitimate interest (to recover debts due to us) |
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To manage our client relationship with you which will include:
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Performance of a contract with you To comply with a legal obligation Necessary or our legitimate interest (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards) |
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To respond to case enquiries and input to & defend against complaints |
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To comply with a legal obligation Necessary or our legitimate interest (to ensure that complains can be responded to accurately) |
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To perform an affordability check or a property on behalf of an Estate Agent or New Home Builder |
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Necessary or our legitimate interests and of the New Home Builder / Estate Agent (to ensure that a property is affordable before proceeding with the purchase process) |
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To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
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To comply with a legal obligation Necessary or our legitimate interests (or running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) |
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To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you |
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Necessary or our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy) |
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To use data analytics and other systems including AI and automated decision-making to improve our website, products/services, marketing, customer relationships and experiences |
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Consent/Explicit Consent Necessary or our legitimate interests (to analyse customer usage, update our website, to develop our business, and to inform our re-engagement and marketing strategy) |
We will only use your personal data or the purposes stated above, unless we reasonably consider that we need to use it or another reason and it is compatible with the original purpose. Please contact us or an explanation as to how any new processing compatible with the original purpose.
If we need to use your personal data or an unrelated purpose, we will notify you and explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We keep our Privacy Notice under regular review. The Privacy Notice was last updated on 31st December 2020. Historic versions can be obtained by contacting us.
We may use your data in AI and automated decision-making systems or re-engagement purposes as a legitimate interest to review your existing mortgage and source suitable new products. If you do not wish your data to be used by such systems, please notify us at info@callunafinancial.co.uk
You will also have the choice to opt-in to receiving other related marketing information and related products and services.
You can opt-out of receiving these types of communications at any time by contacting our Compliance team at info@callunafinancial.co.uk or by clicking on the relevant link in email communications you receive from us.
However please note that your personal information will not be passed to any third-party organisation or marketing purposes.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We also limit access to your personal data to only those Mortgage Advice Bureau staff, appointed representatives, advisers, business partners and suppliers who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
When using the Mortgage Advice Bureau website, you can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see our cookie policy.
Mortgage Advice Bureau website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible or their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Some of our external suppliers are based overseas so their processing of your personal data will involve a transfer of data outside of the UK. In such cases data is transferred under conditions to provide protection to personal data equivalent to UK Data Protection standards. This includes the use of standard contractual clauses in contracts with external suppliers in order to provide the same level of protection for personal data as
|
Type of recipient |
Reason |
|---|---|
|
Within Mortgage Advice Bureau |
Depending on your requirements, it may be necessary to share your personal data with our network and with specialist product providers in order or suitably qualified advisers to source relevant products and services or to re-engage with existing clients |
|
Lenders and protection product suppliers |
To source and submit applications in order to conclude the contract or the mortgage / protection application and the ongoing servicing of these contracts, and to support quality checks and ensure full disclosure of information to lenders and protection providers. |
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Financial Institutions |
To source your bank account information via Open Banking with your consent |
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External suppliers |
Specialist IT system providers to deliver our service to you (including sourcing of products, providing continuing advice, sharing of documentation, payment processing, informing you about relevant products and services, service & advice quality checking and improvements, and to request feedback on customer service standards). We may also share your personal data with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Mortgage Advice Bureau. |
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Housing Associations / Registered Providers |
If applicable, to confirm your identity / proof of deposit to the Housing Association / Registered Provider with whom you are interacting, to provide updates on the progress of your application, and to provide a copy of the mortgage oer to support your application. |
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Solicitors / Conveyancers |
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit. |
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Estate agents / new home builders |
To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application. |
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ID verification & Licensed Credit Agencies |
For the purposes of confirming your identity to comply with Anti Money Laundering requirements (GB Group data processing information can be found at https://www.gbgplc.com/en/legal-and-regulatory/products-services-privacy-policy/); and to perform a credit assessment to assess your eligibility; to obtain a Lenders Decision In Principle; and as part of a full application. |
| Regulators |
In order to fulfil our legal obligations as a regulated profession, or example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities. |
| Others |
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice. |
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with Mortgage Advice Bureau instructions.
|
Purpose of processing |
Retention |
|---|---|
|
Successful mortgage / protection applications |
For the full mortgage or protection policy term plus a further 6 years, or for a period of 30 years or historical cases if the original term is not recorded |
|
Withdrawn, stalled, incomplete and failed mortgage / protection applications |
2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued |
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My Mortgage Account portal accounts |
2 years from date of last login if not proceeded to full application |
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Affordability checks |
2 years from Decision In Principle if affordability check does not proceed to a full mortgage application |
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Enquiry data obtained from third parties that do not result in an application |
2 years from the date the lead was received from the Introducer |
After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used or statistical purposes but without any method of identifying you individually.
You have the right to:
Request access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data. This enables you to have any incomplete or inaccurate data corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete personal data where there is no good reason or us continuing to process it. You can also to ask us to delete your personal data where you have successfully objected to the processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to delete the data or specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are 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 are processing your personal data or 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 do not 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 will 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 or us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not 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 will advise you if this is the case at the time you withdraw your consent.
If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact the information Security & Data Protection Manager by emailing info@callunafinancial.co.uk or by writing to us. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.
If you are not satisfied with how the Mortgage Advice Bureau has responded to your enquiry, you have the right to complain to the information Commissioner's Office (ICO), who is the regulator or data protection in the United Kingdom.
Calluna Financial is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Calluna Financial: Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in England: SC815245.
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