Privacy Policy
By using this website, and with any services provided by us, we may obtain certain information about you. This Privacy Policy sets out the principles that govern our processing and use of that information.
By your access to and use of this website you agree to our processing storing and using that information in accordance with the principles set out in this Privacy Policy.
We will limit the collection and use of your information to a minimum. We will only collect such information as is required, to inform you about the products and services we offer, and to administer our business.
We will take all reasonable steps to safeguard the security and confidentiality of any information you provide to us. We cannot however guarantee the security of any information you disclose on-line. You accept the inherent security implications of providing information over the internet and will not hold us responsible for any breach of security or disclosure of information unless we have been negligent.
We will not reveal any of your information to any external organisation not directly involved with your application unless we have previously informed you that this will happen, and we have your authority to do so. If we are required by law, we can also disclose your information to authorised parties. You agree that we may disclose any information requested or required relating to you, or if relevant, any of your clients to any regulatory authority to which we are subject or to any person in power to require such information by or under any legal enactment or where a third party has provided to our reasonable satisfaction written confirmation that it genuinely and reasonably believes your use of the site has been defamatory or otherwise unlawful and further that the disclosure of your data is necessary (a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or (b) for the purpose of obtaining legal advice, or is otherwise necessary for the purposes of establishing, exercising or defending legal rights.
If you have consented we may periodically send you information relating to Phoenix Mortgage Services (UK) Ltd. If at any point you want to change your preferences or need to review and update your personal details you should write to us at Phoenix Mortgage Services (UK) Ltd, Phoenix House, 1590 Parkway, Solent Business Park, Fareham PO15 7AG. We will always maintain control over the confidentiality of your information.
Under the Data Protection Act, you have the right to access the information we hold about you on our records. The Act allows us to charge a fee of £10 for this service. We will hold information collected by us, or a third party, on computer and in other types of record. This information may be used for the purposes disclosed in this Privacy policy.
Phoenix Mortgages (UK) Ltd may make searches at credit reference agencies who will supply us with credit information as well as information from the Electoral Register. The agencies will record details of the search whether or not any application proceeds. They may use credit scoring methods to assess this application and to verify identity.
We may hold any information you provide both during and after your association with us, and it may be shared with third parties to protect against fraud.
You understand that if your application is made in joint names and the files of a credit reference agency are searched, an “association” will be created with the other person(s) named on the application. We, and other lenders, may take this financial association, created between the other applicant(s) and you into account in future applications for credit or financial services. The association will remain between you until one of you successfully applies for “disassociation” with the credit reference agencies.
We may make enquiries of any person including current and previous lenders, employers, landlords, accountants, bankers, the Land Registry, the Inland Revenue and the council of Mortgage Lenders Possessions Register in the processing of any application.
If you apply for insurance products such as Accident, Sickness and Unemployment cover, we may ask for sensitive information such as medical details. We will not use, or share, whether internally or externally, any sensitive information unless it relates directly to the underwriting or administration of the product or service you have requested. If we need to disclose this information for any other purpose other than where we are legally compelled to do so, you will be informed of this at the time your information is collected and we will ask for your permission.
To assist your navigation of this web site and our prevention of fraud we may send ‘cookies’ from this web site to your computer. We do not obtain personal data from your computer or gather personal information about you unless you personally give information to our server. Furthermore computer viruses are not passed through the use of ‘cookies’. You may choose to disallow ‘cookies’ via your browser but. this web site may not work properly as a result.
