Your Personal Data

To enable us to give you the right advice, we will need to hold some personal information about you. The Data Controller in relation to any personal data you supply is Border Mortgage Services and any information you give will be processed in accordance with the General Data Protection Regulation.

Why we need it

We need to know basic personal data and may share this information: -

• To enable Border Mortgage Services and our representatives to manage your dealings with us.  We may use personal information supplied to meet your needs in arranging a mortgage, loan, protection and any associated arrangements. Data will be processed in the legitimate interest of the business.
• To disclose information to any third parties relevant to the transaction; such as lenders, insurers, lending specialists or contracted software providers.  Data will be processed in the legitimate interest of the business.
• In order to verify your circumstances, third parties may be contacted such as your employer, accountant or credit reference agency. Data will be processed in the legitimate interest of the business.
• For compliance monitoring purposes, your data may be made available to the Financial Conduct Authority. Data will be processed in the legitimate interest of the business.
• To allow Stonebridge Mortgage Solutions Ltd. or their representatives to conduct compliance monitoring, to prevent financial crime, and to contact you for the purpose of ensuring you have received adequate advice.  Data will be processed in the legitimate interest of the business.
• To assert our legitimate interest to be recompensed in return for our services in accordance with our Terms of Business.

If you do not provide this information, then we will be unable to provide the services you have requested. We will not collect any personal data from you that we do not need in order to provide and oversee the services we provide.

If you provide an e-mail address, you consent to us sending communications by e-mail. While we will take reasonable steps to ensure security of information by e-mail, you accept the risks involved with this type of communication.

What we do with it

All the personal data we hold about you will be processed by our staff in the United Kingdom. Selected third parties as detailed above will have access to your personal data where there is a service, they provide to us or there is a legal obligation for us to provide them with this. Please be aware, however, that your information may be stored on a cloud-based system whose servers are located within the United Kingdom.

How long will we keep it?

We will generally keep your personal data for a minimum of 6 years after our business relationship, after which time it will be destroyed if it is no longer required for the lawful purpose(s) for which it was obtained. The business relationship will usually be classed as over once we are aware any mortgage or insurance product has ended.