The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.
This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience.
Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.
Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.
Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Contact & Communication
Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.
This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.
This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.
You can visit our site without providing us with any personal information. However, at times S J Mortgage Solutions Ltd may require personal information to process any requests that you make through our site, to process an application you subsequently make, to correspond, or for any other service related reason.
We will treat all your personal information as private and confidential (even when you are no longer a customer), except where disclosure is made at your request or with your consent or where we are required by law to disclose. We will hold your details for a minimum of 6 years. S J Mortgage Solutions will use your information for the purposes of administration, to source your financial products, marketing, customer services, analysing your purchasing preferences and customer profiling.
We may search the files of credit reference agencies who will record the search. This information may be shared with credit grantors and used for credit decisions and fraud prevention.
We will only provide your information to relevant third parties such as mortgage lenders and the providers of other financial products in order to process your various requirements. Except where S J Mortgage Solutions Ltd is required to disclose by law, we will treat all your information as confidential, even when you are no longer a client and will not disclose any such information except where a disclosure is made at your request or with your consent.
Where necessary you consent to our processing data that is defined as sensitive by the Data Protection Act such as data relating to your health or offences for the above purposes. You also consent to our transferring your information to countries that do not provide the same level of data protection as the UK, if necessary for the above purposes. In order to provide certain online services to you, we may transfer your data to countries or territories outside of the EEA (European Economic Area) that may not provide the same level of protection as within the EEA. S J Mortgage Solutions Ltd will apply appropriate technical and organisational measures against the unauthorised processing of personal data and against accidental loss of, or damage to personal data. By providing your data you agree to your data being used and transferred as stated above. In respect of the provision of illustrations for non-investment insurance products, data provided by you may be electronically forwarded to selected online quotation providers, who may use this to obtain personal illustrations of the cover available, from a panel of providers.
For marketing purposes we may share your information with other companies within the same group. We or they may wish to contact you by mail, telephone, email or fax with offers of goods or services or forthcoming events which may interest you. If you do not wish to receive information on other products and services, you are given the option to opt out of the service.
Where business is transacted, S J Mortgage Solutions Ltd maintains client information for a minimum period of six years. You have the right to ask for a copy of your information (subject to a £10 fee). Please write to: The Data Protection Officer, S J Mortgage Solutions Ltd, 73 Halesowen Road, Halesowen B62 9BB
We also obtain data and information by using cookies. A cookie is a piece of software that is placed on your computer’s hard drive. A cookie helps analyse web traffic or lets us know when you visit a particular web page. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We only use this information for statistical analysis purposes and then the data is removed from the system.
A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. We know that people have concerns about cookies, but we believe that the benefit we both gain from their proper use is worthwhile. You may set your web browser (Microsoft Internet Explorer or Netscape Navigator) to notify you of cookie placement requests or decline cookies completely. You can delete files that contain cookies – those files are stored as part of your Internet browser.