How will we use the information about you?
We collect information about you to process your mortgage and insurance enquiries and instructions, undertake research and advise / arrange suitable mortgages and insurances. In addition:
Improving our products and services: we will use your personal information to build a profile on you in order to understand your requirements, to improve our Website, as well as to personalise the properties and services we offer you. We process your personal information in this way as it is necessary for the purposes of our legitimate interests in providing better products and services for you and our other customers.
Processing your transaction: we use relevant personal information described above (including your name, address and financial details) to enable us to complete a transaction with you, such as buying, selling, renting or letting a property through us. This information may require to be passed on to third parties, including solicitors, surveyors, financial advisors etc.
Preventing fraud: we will also use your personal information to assess your creditworthiness (in the case of buying or renting a property) and to prevent fraud. For this purpose, we may need to share your personal information with our referencing providers and/or solicitors (see “how we share your personal information” below). This is necessary for the purposes of our legitimate interests in ensuring we are not the victim of fraud and to protect our legal rights.
With Legal and Law Enforcement: Heritage Mortgages will disclose personal information where required by law or legal process, for the administration of justice, to protect your vital interest, for investigations by law enforcement or regulatory bodies, to protect and defend Heritage Mortgages property and legal rights, to protect the personal safety of our website users or by order of a valid injunction from a court or law enforcement agency.
To provide customer support: if you contact our team (or vice versa), we will use personal information such as your email address, phone number and residential address as well as your contact history to process your request and provide you with the best service possible. We will process your personal information in this way if it is necessary for the performance of a contract or if it is required for us to comply with any legal obligations. If it is not necessary to process your personal data for either of these reasons we will process it as it is necessary for the purposes of our legitimate interests in ensuring we can provide the best service possible.
Where required we may share limited personal information you provide when you register with us or enter in to a transaction with us, as necessary and only for the purposes and on the lawful grounds described above with various third parties who process your personal information on our behalf (Data Processors).
With Service Providers e.g. Lenders / Insurers / Connected 3rd Parties – such as Solicitors / Surveyors / Doctor (for Insurance Medical Assessment purposes) . Where required we may share limited personal information you provide when you register with us or enter in to a transaction with us, as necessary and only for the purposes and on the lawful grounds described above with various third parties who process your personal information on our behalf (Data Processors).
Marketing: when you sign up to receive our newsletters, register as an applicant, enter in to a transaction with us, provide feedback on our service online or use our Website; we will use your personal information to create a profile based on the information we hold about you. This is necessary for the purposes of our legitimate interests in ensuring we have accurate information about you in one place. We create your profile in accordance with your preferences in order to provide you with the best personalised experience, to send you personalised marketing messages and newsletters and for opinion research purposes. Below you can find a more detailed description of the ways in which we will use your personal information for these purposes.
Website user experience: if you are logged in to your Account on our Website we may alter the way the website works to improve and/or enhance the information displayed to you, or to optimise the way you interact with the Website. We may show personalised content based upon your previous interactions with the website.
Heritage Mortgages will not share your information for marketing purposes with other companies or firms. In processing your instructions, we may send your details to, and also use information from credit reference agencies and fraud prevention agencies. By the nature of our profession and where requested, we will be passing on your data to be able us to obtain insurance quotations, insurance policies, mortgages and any other financial services we provide. Any financial institution or insurance company we recommend or with whom you eventually take out a product with, will also be subject to the General Data Protection Regulations and you will need to consider your options with them directly.