Introduction

As a data controller, Master Private Finance (“MPF/we/us/our”) comply with all applicable data protection and privacy legislation in force from time to time including the UK General Data Protection Regulation, the EU General Data Protection Regulation (where applicable) (together the “GDPR”) and the Data Protection Act 2018. (“DPA18”). This privacy notice details how we process your personal data.

Under the UK GDPR we are required to notify the Information Commissioner’s Office (“ICO”) about our use of personal data. You can view our current controller registration on the ICO here:

https://ico.org.uk/ESDWebPages/Entry/ZA514330

We place great importance on ensuring the quality, confidentiality, integrity and availability of the data we hold and in meeting our data protection obligations when processing personal data. MPF is committed to protecting the security of your personal data. We use a variety of technical and organisational measures to help protect your personal data from unauthorised access, use or disclosure.

We collect personal data about a range of people:

• Visitors to our websites

• People who contact us (enquirers)

• Clients (including clients of the businesses operating under us)

• Contractors and suppliers

If you are applying, or have applied to work with us, please refer to our job applicant privacy notice.

What personal information we process

We process personal information to act as an intermediary for financial transactions; typically to advise and apply for property finance such as mortgages or similar for clients. The same applies to advising and arranging insurance policies.

To understand how any personal information other than that provided to us through this website is processed you will need to refer to any personal communications you receive from us, check any privacy documents provided when entering into a contract with us, or contact us to ask about your personal circumstances.

Enquirers

When you contact us, we ask for some personal information. You are under no obligation to provide this information to us. Providing that information, enables us to give you the right information or services that you ask for, or notify you of further information required to facilitate that service.

If we would like to use your information for any other purpose than those stated above, we will contact you.

As a minimum, we will hold your name and phone number for the purposes specified above. If you do not become a client of ours, your information will be erased in line with our retention policy.

Visitors to Our Website

We use Google Analytics on our website (https://masterprivatefinance.co.uk/) to provide statistics to help us give visitors the best experience when using our sites. IP addresses are collected to see how users interact with our site. Our website uses cookies, which is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns.

We use cookies to help identify and track visitors and their website access preferences. Website visitors can control which types of cookies are placed on their browser by adjusting the cookie settings in the cookie controller button, which can be found at the bottom left-hand corner of our website.

Our Clients Views

We want to receive your views on the service you received from us and any improvements you think are necessary. We use Trustpilot® as a data processor to collect feedback from our customers on our behalf and to support our marketing activities. If this is something you agree to help us with, we will share your name and email address with Trustpilot® in order to generate a review invite and confirm you are a verified customer of Master Private Finance.

Regulatory Functions and Reporting

As a regulated firm we are required to retain and provide information to the FCA regularly. We must also share regulatory data with our principal firm, JLM Mortgage Network. Most of the information is provided to us under the Financial Services and Markets Act 2000.

Purposes & bases for using your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal information in the following purposes and lawful bases:

Sharing your information

We sometimes need to share the personal information with other organisations. Where this is necessary, we are required to comply with all aspects of the UK GDPR.

What follows is a description of the types of organisations we may need to share some of the personal information we process with for one or more reasons. Where a joint application is made, we are not able to restrict data sharing between applicants.

Master Private Finance will only collect the information needed so that it can provide you with marketing and consulting services. We do not sell or broker your personal data.

Where Necessary or Legally Required We Share Information With:

• Associates and representatives of the person whose personal data we are processing, including but not limited to; estate agents (if you were introduced to us by one of our agent partners), solicitors, accountants and other professionals.
• Financial organisations
• The Financial Conduct Authority (FCA)
• The Financial Ombudsmen Service (FOS)
• Law enforcement and prosecuting authorities
• Credit reference agencies
• Debt collection and tracing agencies
• Other companies within the same group
• Our service providers
• Courts and tribunals
• Undertaking research
• Consulting and advisory services
• Our professional advisers
• HMRC

Further Disclosure

We may, on occasion, pass your personal information to third parties exclusively to process work on our behalf; for example, a data destruction provider. We always require these parties to agree to process this information based on our instructions and requirements consistent with this Privacy Notice and UK GDPR.

How we protect your data

Master Private Finance takes the security of your data seriously. We have internal policies and controls in place to ensure that your data is not lost, accidentally destroyed, misused, or disclosed, and is not accessed except by our employees in the performance of their duties. Where we engage third parties to process personal data on our behalf, they do so on the basis of written instructions, are under a duty of confidentiality and are obliged to implement appropriate technical and organisational measures to ensure the security of the data.

How long we retain personal data

To ensure we meet our legal, regulatory and customer obligations, we will retain client information for the following periods.

An introductory enquiry from a person who we only have limited interaction with is retained for 90 days.

Any survey information gathered from enquirers or clients is retained for 18 months.

Any mortgage enquiry, mortgage application and mortgage completion is retained in perpetuity.

Any life or critical illness insurance product enquiry, insurance product application and insurance policy completion is retained in perpetuity.

International transfers

It is unlikely that we will ever share your personal data outside the UK or European Economic Area. (the EU member states plus Norway, Iceland and Liechtenstein) (“EEA”). If, however, it becomes necessary for the purposes of providing our services to you, we will only share it with organisations in countries benefiting from a European Commission (“EC”) adequacy decision, approved by the UK ICO, or on the basis of EC Standard Contractual Clauses, approved by the UK ICO, which when reinforced with additional supplementary measures, contractually oblige the recipient to process and protect your personal data to the standard expected within the UK and EEA

Your rights

At any point whilst Master Private Finance is in possession of, or processing your personal data, all data subjects have the following rights:

Right of access – you have the right to request a copy of the information that we hold about you

Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete

Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records

Right to restriction of processing – where certain conditions apply you have a right to restrict the processing of your personal data

Right of portability – you have the right to have the data we hold about you transferred to another organisation

Right to object – you have the right to object to certain types of processing such as direct marketing

Right to object to automated processing, including profiling – you have the right not to be subject to the legal effects of automated processing or profiling

You have the right to access your personal information (subject to certain exemptions). If you wish to find out what information we hold that relates to you, please contact us; details below.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.

In the event we refuse your request under rights of access, we will provide you with a reason why, which you have the right to legally challenge.

Automated decision making

We do not make client or supplier decisions based solely on automated decision making.

Contact us

This privacy notice does not provide exhaustive detail of all aspects of the collection and use of personal information. However, we are happy to provide any additional information or explanation needed. If you have any questions or complaints regarding your data, please contact us at:

The Data Protection Manager,

Master Private Finance Ltd.
Rouen House,
Rouen Road,
Norwich
NR1 1RB

Telephone 01603 863 603 or email enquiries@masterprivatefinance.co.uk

We have also appointed an independent Data Protection Officer at data protection consultants, Evalian Limited, who can be contacted by email at dpo@evalian.co.uk

What if I am still not satisfied?

If you are not satisfied with how Master Private Finance has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom: https://ico.org.uk/for-the-public/

Changes to this privacy notice

We update this notice from time to time in response to changes in applicable laws and regulations, to our processing practices and to the products and services we offer. When changes are made, we will update our notice on https://masterprivatefinance.co.uk/privacy-policy. Please review this notice periodically to check for updates.