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Privacy & Cookies Policy

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  1. Introduction

    1. We are committed to safeguarding the privacy of our website visitors and service users.

    2. This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users; in other words, where we determine the purposes and means of the processing of that personal data.

    3. By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

    4. In this policy, "we", "us" and "our" refer to Trusted Mortgage Advice Ltd. For more information about us, see Section 16.

  2. How we use your personal data

    1. In this Section 2 we have set out:

      1. the general categories of personal data that we may process;

      2. the purposes for which we may process personal data; and

      3. the legal bases of the processing.

    2. We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services. The legal basis for this processing is our legitimate interests, namely monitoring and improving our website and services.

    3. We may process your account data ("account data"). The account data may include your name and email address. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

    4. We may process your information included in your personal profile on our website ("profile data").The profile data may include your name, address, telephone number, email address, profile pictures, gender, date of birth, relationship status, interests and hobbies, educational details and employment details. The profile data may be processed for the purposes of enabling and monitoring your use of our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

    5. We may process information that you post for publication on our website or through our services ("publication data"). The publication data may be processed for the purposes of enabling such publication and administering our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

    6. We may process information contained in any enquiry you submit to us regarding goods and/or services ("enquiry data"). The enquiry data may be processed for the purposes of offering, marketing and selling relevant goods and/or services to you. The legal basis for this processing is consent.

    7. We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our website ("transaction data"). The transaction data may include your contact details, your card details and the transaction details. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract and our legitimate interests, namely our interest in the proper administration of our website and business.

    8. We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters ("notification data"). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is consent.

    9. We may process information contained in or relating to any communication that you send to us ("correspondence data"). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.

    10. We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.

    11. We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.

    12. In addition to the specific purposes for which we may process your personal data set out in this Section 2, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

    13. Please do not supply any other person's personal data to us, unless we prompt you to do so.

  3. Providing your personal data to others

    1. We may disclose your personal data to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.

    2. We may disclose your personal data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

    3. We may disclose your enquiry data to one or more of those selected third party suppliers of goods and services identified on our website for the purpose of enabling them to contact you so that they can offer, market and sell to you relevant goods and/or services. Each such third party will act as a data controller in relation to the enquiry data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party's use of your personal data.

    4. In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

  4. Retaining and deleting personal data

    1. This Section 4 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.

    2. Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

    3. We will retain your personal data as follows:

      1. personal data category or categories will be retained for a minimum period of 1 year following the date the data was supplied to us.

    4. In some cases it is not possible for us to specify in advance the periods for which your personal data will be retained. In such cases, we will determine the period of retention based on the following criteria:

      1. the period of retention of personal data category will be determined based on the options you choose in regard to email opt in

    5. Notwithstanding the other provisions of this Section 4, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

  5. Security of personal data

    1. We will take appropriate technical and organisational precautions to secure your personal data and to prevent the loss, misuse or alteration of your personal data.

    2. We will store all your personal data on secure servers, personal computers and mobile devices, and in secure manual record-keeping systems.

    3. The following personal data will be stored by us in encrypted form: contact information, password(s) and cardholder data.

    4. Data that is sent from your web browser to our web server, or from our web server to your web browser, will be protected using encryption technology.

    5. You acknowledge that the transmission of unencrypted (or inadequately encrypted) data over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

    6. You should ensure that your password is not susceptible to being guessed, whether by a person or a computer program. You are responsible for keeping the password you use for accessing our website confidential and we will not ask you for your password (except when you log in to our website).

  6. Amendments

    1. We may update this policy from time to time by publishing a new version on our website.

    2. You should check this page occasionally to ensure you are happy with any changes to this policy.

  7. Your rights

    1. You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

    2. the payment of a fee (currently fixed at GBP 10); and

    3. the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

    4. We may withhold personal information that you request to the extent permitted by law.

    5. You may instruct us at any time not to process your personal information for marketing purposes.

    6. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

  8. Third party websites

    1. Our website includes hyperlinks to, and details of, third party websites.

    2. We have no control over, and are not responsible for, the privacy policies and practices of third parties.

  9. Personal data of children

    1. Our website and services are targeted at persons over the age of 18.

    2. If we have reason to believe that we hold personal data of a person under that age in our databases, we will delete that personal data.

  10. Updating information

    1. Please let us know if the personal information that we hold about you needs to be corrected or updated.

  11. About cookies

    1. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

    2. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

    3. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

  12. Cookies that we use

    1. We use cookies for the following purposes:

      1. authentication - we use cookies to identify you when you visit our website and as you navigate our website (cookies used for this purpose are: identify cookies);

      2. status - we use cookies to help us to determine if you are logged into our website (cookies used for this purpose are: identify cookies);

      3. shopping cart - we use cookies to maintain the state of your shopping cart as you navigate our website (cookies used for this purpose are: identify cookies);

      4. personalisation - we use cookies to store information about your preferences and to personalise our website for you (cookies used for this purpose are: identify cookies);

      5. security - we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally (cookies used for this purpose are: identify cookies);

      6. advertising - we use cookies to help us to display advertisements that will be relevant to you (cookies used for this purpose are: identify cookies);

      7. analysis - we use cookies to help us to analyse the use and performance of our website and services (cookies used for this purpose are: identify cookies); and

      8. cookie consent - we use cookies to store your preferences in relation to the use of cookies more generally (cookies used for this purpose are: identify cookies).

  13. Cookies used by our service providers

    1. Our service providers use cookies and those cookies may be stored on your computer when you visit our website.

    2. We use Google Analytics to analyse the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google's privacy policy is available at: https://www.google.com/policies/privacy/. The relevant cookies are: identify cookies.

    3. We may publish Google AdSense interest-based advertisements on our website. These are tailored by Google to reflect your interests. To determine your interests, Google will track your behaviour on our website and on other websites across the web using cookies. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. You can also opt out of the AdSense partner network cookie using those settings or using the Network Advertising Initiative's multi-cookie opt-out mechanism at: http://optout.networkadvertising.org. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you may wish to consider using the Google browser plug-ins available at: https://support.google.com/ads/answer/7395996. The relevant cookies are: identify cookies.

  14. Managing cookies

    1. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

      1. https://support.google.com/chrome/answer/95647?hl=en (Chrome);

      2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);

      3. http://www.opera.com/help/tutorials/security/cookies/ (Opera);

      4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);

      5. https://support.apple.com/kb/PH21411 (Safari); and Privacy and cookies policy: drafting notes

      6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

    2. Blocking all cookies will have a negative impact upon the usability of many websites.

    3. If you block cookies, you will not be able to use all the features on our website.

  15. Cookie preferences

    1. You can manage your preferences relating to the use of cookies on our website by visiting: http://www.aboutcookies.org.uk/managing-cookies

  16. Our details

    1. This website is owned and operated by Trusted Mortgage Advice Ltd.

    2. We are registered in Scotland under registration number  SC585735, and our registered office is at 50 Corstorphine Bank Drive, Edinburgh, Midlothian, Scotland, EH12 8RN

    3. You can contact us:

      1. by post, to the postal address given above;

      2. using our website contact form;

      3. by telephone, on the contact number published on our website from time to time; or

      4. by email, using the email address published on our website from time to time.

  17. Data protection officer

    1. Our data protection officer's contact details are:

      1. Data Protection Officer, Trusted Mortgage Advice Ltd, 50 Corstorphine Bank Drive, Edinburgh, Midlothian, Scotland, EH12 8RN

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Think carefully before securing other debts against your home or property. Your home may be repossessed if you do not keep up repayments on your mortgage.

 

Erskine Financial is a trading name of Trusted Mortgage Advice LTD, which is Authorised and regulated by the Financial Conduct Authority.

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Trusted Mortgage Advice Ltd is registered in Scotland no. SC585735. Registered office: 15 Lingerwood Lane, Edinburgh, EH16 4WW and is entered on the Financial Services Register https://register.fca.org.uk/ under reference 801545. Commercial BTL is not regulated by the Financial Conduct Authority.

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A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

​© 2023 Erskine Financial

Privacy Policy

Phone

0131 378 1840

Email

info@erskine.financial

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