IMPORTANT: BY SUBMITTING DATA TO US AND/OR USING OUR WEB SITE YOU GIVE YOUR CONSENT THAT ALL PERSONAL DATA THAT YOU SUBMIT MAY BE PROCESSED BY US IN THE MANNER AND FOR THE PURPOSES DESCRIBED IN THE FOLLOWING PRIVACY POLICY.
Legal Entity
Blue Q Mortgage is a trading name of Mortgage Required Ltd. Mortgage Required Ltd. is Registered in England, Company Number 06522939, Registered address; Finance House, 5 Bath Road, Maidenhead, SL6 4AQ.
This page uses “Blue Q Mortgage”, “Mortgage Required”, “we” and “us” to mean Mortgage Required Ltd trading as Blue Q Mortgage.
Data Privacy Notice
We take your privacy very seriously and we ask that yo read this privacy notice carefully as it contains important information on who we are, how and why we collect, store, use, and share personal data, your rights in relation to your personal data, and on how to contact us and supervisory authorities in the event you have a complaint.
Italicised words in this privacy notice have the meaning set out in the Glossary of Terms at the end of this document.
Who we are
Mortgage Required collects, uses, and is responsible for certain personal data about you. When we do so we are required to comply with data protection regulation and we are responsible as a data controller of that personal data for the purposes of those laws.
When we mention “we”, “us” or “our” we are referring to Mortgage Required Ltd.
Mortgage Required Ltd is a company registered in England and Wales (company number 6522939 whose registered office is at 5 Bath Road, Maidenhead, Sl6 4AQ. Mortgage Required Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register number is 573718.
We provide you with mortgage and insurance advice and recommendations.
The personal data we collect and use
In the course of providing our service, we may collect the following personal data when you provide it to us:
- Contact information
- Identity information
- Financial information
- Employment status
- Lifestyle information
- Health information
- Data about criminal convictions or offences
- Credit and credit history
- Details of any vulnerability
- Details of your dependants and/or beneficiaries under a policy (if you are providing information about another person we expect you to ensure that they know you are doing so and are content with their information being provided to us. You might find it helpful to show them this privacy notice and if they have any concerns please contact us in one of the ways described below.)
- Existing product details
Information collected from other sources
We also obtain personal data from other sources in the course of providing our intermediary services. Where we obtain this information from another party it is their responsibility to make sure they explain that they will be sharing personal data with us and, where necessary, ask permission before sharing information with us.
The personal data we obtain from other sources may include the following:
- From lenders and/or product providers:- product details
- From identification and verification checking agencies:
– identity information
– sanction check information
How we use your personal data
The below table sets out:
- how we use your personal data
- the lawful bases upon which we collect and use your personal data
- who we routinely share your personal data with
| Rationale/Reason for Processing | Lawful Basis for Processing | Third-party recipients linked to that activity |
| · To obtain mortgage facilities | Performance of a contract in your legitimate interest | Banks Building Societies and other mortgage lenders |
| · To obtain life and health insurance | Performance of a contract in your legitimate interest | Life and health insurance providers |
| · To obtain home insurance | Performance of a contract in your legitimate interest | Home Insurance providers |
Special category data
Certain types of personal data are considered more sensitive and so are subject to additional levels of protection under data protection legislation. These are known as ‘special categories of data’ and include data concerning your health, racial or ethnic origin, genetic data, and sexual orientation. Data relating to criminal convictions or offenses is also subject to additional levels of protection.
We pay process:
- health information and lifestyle information when providing intermediary services in relation to a protection insurance product: and/or
- criminal conviction or offence information when providing intermediary services in relation to a general insurance product
In addition to the lawful basis for processing this information set out in the above table, we will be processing it either (i) for the purpose of advising on, arranging, or administering an insurance contract or (ii) for the establishment, exercise, or defence of legal claims.
[In the course of our activities relating to the prevention, detection, and investigation of financial crime, we may process criminal conviction or offence information. Where we do so, in addition to the lawful basis for processing this information set out in the above table, we will be processing it for the purpose of compliance with regulatory requirements relating to unlawful acts and dishonesty.]
Marketing
We may use personal data we hold about you to help us identify, tailor and provide you with details of products and services from us that may be of interest to you. We will only do so where we have obtained your consent and then have a legitimate business reason to do this or we believe this is in your legitimate interest and will do so in accordance with any marketing preferences you have provided to us.
We will never refer or sell your data to any third parties.
You can opt out of receiving marketing at any time. If you wish to amend your marketing preferences please contact us:
By phone: 01628 507477
By email: tracy@mortgagerequired.com
By Post: Mortgage Required, Finance House, 5 Bath Road, Maidenhead, SL6 4AQ
Whether information has to be provided by you, and if so why
We will tell you if providing some personal data is optional, including if we ask for your consent to process it. In all other cases you must provide your personal data in order for us to provide you with intermediary services.
How long will your personal data be kept?
We will hold your personal data for differing periods of time depending upon the reason we have for processing it. We will not hold your data for any longer than we require it.
Transfer of your information out of the EEA
We will not transfer your personal data outside of the European Economic Area or to any organisation (or subordinate bodies) governed by public international law or which is set up under any agreement between two or more countries.
You have a right to ask us for more information about the safeguards we have put in place as mentioned above. To learn more, please see ‘Your rights’ below.
Your rights
You have legal rights under data protection regulation in relation to your personal data. These are set out under the below headings:
- To access personal data
- To correct / erase personal data
- To restrict how we use personal data
- To object to how we use personal data
- To ask us to transfer personal data to another organisation we need to use to use it to protect the rights of another individual or company
- To object to automated decisions
- To find out more about how we use personal data
We may ask you for proof of identity when making a request to exercise these rights. We do this to ensure we only disclose information or change your details where we know we are dealing with the right individual.
We will not ask for a fee unless we think your request is unfounded, repetitive, or excessive. Where a fee is necessary, we will inform you before processing your request.
We aim to respond to all valid requests within one month. It may however take us longer if the request is particularly complicated or you have made several requests. We will always let you know if we think a response will take longer than one month. To speed up our response, we may ask you to provide more detail about what you want to receive or are concerned about.
We may not always be able to fully address your request, for example, if it would impact the duty of confidentiality we owe to others, or if we are otherwise legally entitled to deal with the request in a different way.
To access personal data
You can ask us to confirm whether or not we have and are using your personal data. You can also ask to get a copy of your personal data from us and for information on how we process it.
To rectify / erase personal data
You can ask that we rectify any information about you which is incorrect. We will be happy to rectify such information but would need to verify the accuracy of the information first.
You can ask that we erase your personal data if you think we no longer need to use it for the purpose we collected it from you.
You can also ask that we erase your personal data if you have either withdrawn your consent to us using your information (if we originally asked for your consent to use your information), or exercised your right to object further legitimate use of your information, or where we have used it unlawfully or where we are subject to legal obligation to erase your personal data.
We may not always be able to comply with your request, for example where we need to keep using your personal data in order to comply with our legal obligation, or where we need to use your personal data to establish, exercise or defend legal claims.
To restrict our use of personal data
You can ask that we restrict our use of your personal data in certain circumstances, for example:
- where you think the information is inaccurate and we need to verify it;
- where our use of your personal data is not lawful but you do not want us to erase it;
- where the information is no longer required for the purposes for which it was collected but we need it to establish, exercise, or defend legal claims; or
- where you have been objected to our use of your data but we still need to verify if we have overriding grounds to use it.
We can continue to use your personal data following a request for restriction where we have your consent to use it; or we need to use it to establish, exercise or defend legal claims, or we need to use it to protect the rights of another individual or a company.
To object use of personal data
You can object to any use of your personal data which we have justified on the basis of our legitimate interest if you believe your fundamental rights and freedoms to data protection outweigh our legitimate interest in using the information. If you raise an objection, we may continue to use the personal data if we can demonstrate that we have compelling legitimate interests to use the information.
To request a transfer of personal data
You can ask us to provide your personal data to you in a structured, commonly used, machine-readable format, or you can ask to have it transferred directly to another data controller (e.g. another company).
You may only exercise this right where we use your personal data in order to perform a contract with you, or where we ask for your consent to use your personal data. This right does not apply to any personal data that we hold or process outside automated means.
To contest decisions based on an automatic decision-making
If we made a decision about you based solely by automated means (i.e. with no human intervention), and the decision made by us produces a legal effect concerning you, or significantly affects you, you may have the right to contest that decision, express your point of view and ask for a human review. These rights do not apply where we are authorised by law to make such decisions and have adopted suitable safeguards in our decision-making processes to protect your rights and freedoms.
You can contact us for more information
If you are not satisfied with the level of information provided in this privacy notice, you can ask us about what personal data we have about you, what we use your information for, who we disclose your information to, whether we transfer it abroad, how we protect it, how long we keep it for, what rights you have, how you can make a complaint, where we got your data from and whether we have carried out any automated decision making using your personal data.
If you would like to exercise any of the above rights, please:
- email or write to us using the contact details at the end of this notice
- let us have enough information to identify you, e.g. name, address, date of birth;
- let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill); and
- let us know the information to which your request relates.
Keeping your personal data secure
We have appropriate security measures in place to prevent personal data from being accidentally lost, or used or accessed in an unauthorised way. We limit access to your personal data to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
Our supervisory authority
If you are not happy with the way we are handling your information, you have a right to lodge a complaint with the Information Commissioners Office. It has enforcement powers and can investigate compliance with data protection regulation (www.ico.org.uk).
We ask that you please attempt to resolve any issues with us before the ICO.
How to contact us
Please contact our Data Protection Officer/Data Privacy Manager if you have any questions about this privacy notice or the information we hold about you.
If you wish to contact our Data Protection Officer/Data Privacy Manager, please send an email to tracy@mortgagerequired.com
or write to Mortgage Required, Finance House, 5 Bath Road, Maidenhead, SL6 4AQ
| Sanction check information | this is information relating to your politically exposed persons (PEPs) status and Her Majesty’s Treasury financial sanctions status, which is recorded to prevent fraud and money laundering |
| Vulnerability | a vulnerable consumer is someone who, due to their personal circumstances, is especially susceptible to detriment, particularly when an advisory firm is not acting with appropriate levels of care. These customers are more likely to suffer severe detriment if something goes wrong. Details of vulnerability fall into the following categories: health; resilience (financial); life events; and capability (financial knowledge/ confidence) |
General Data Protection Regulation (GDPR)
This Privacy Policy describes current policies and practices with regard to Personal Data collected by us manually or through this website blueqmortgage.com/ and any subdomains. The term “Personal Data” refers to personally identifiable information about you, such as your name, birth date, telephone number, e-mail address or mailing address. All data is held in accordance with GDPR.
Notification of changes to this Policy
We are continually improving and adding new functionality and features to this website and improving our services. Because of these ongoing changes, changes in the law and the changing nature of technology, our data practices will change from time to time. If and when our data practices change, we will (as soon as practicable) post the changes on our website to notify you of the changes. We encourage you to check this page frequently. NB. Any changes will be in accordance with GDPR.
Collection of Personal Data including e-mail addresses
We will collect and store the information you give us. You may use this Web Site to register to receive additional information or services from us. When you register, we ask you for contact information like your name, postal address and e-mail address.
Use of Personal Data
The purposes for which we process Personal Data include the following:-
- We may use your Personal Data internally to help us improve our services and to help resolve any problems.
Opt-out choice
If you do not wish to receive information from us and want to be removed from our mailing list, please use the Contact Us page.
Anonymous data collected through this Web Site
In addition to the information we collect as described above, we use technology to collect anonymous information about the use of our Web Site. For example, we use technology to track which pages of our Web Site our visitors view. We also use technology to determine which Web browsers our visitors use. This technology does not identify you personally, it simply enables us to compile statistics about our visitors and their use of our Web Site.
Our Web Site contains hyperlinks to other pages on our Web Site. We use technology to track how often these links are used and which pages on our Web Site our visitors choose to view. Again this technology does not identify you personally – it simply enables us to compile statistics about the use of these hyperlinks.
We use this anonymous data to improve the content and functionality of this Web Site and our e-mail updates, to better understand our clients and markets, and to improve our services.
Cookies
Cookies are small pieces of text stored as a file on the computer’s hard drive. They are not computer programs. They only contain and transfer to the web server as much information as the users themselves have disclosed to a certain web site.
Cookies are used by your browser and by most websites to help personalise or improve your experience using the world wide web. If you wish to restrict or block the cookies which are set by this website, or indeed any other website, you can do this through your browser settings. Restricting cookies may affect some of the functionality of this website, such as the ability to log in to password-protected areas, but most of the site will still be accessible to you.
The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether.
You can find more information about deleting and controlling cookies from the AboutCookies.org website.
We will not use cookies to collect personally identifiable information about you. However, in order to provide services to you within this site’s extranet, it is necessary to gather information that will enable the website to personalize, improve and to operate such services. In connection with certain aspects of the Services, we may request, collect and/or display some of your Personal Information.
The table below explains the cookies we use and why.
| Name | Purpose | Expires |
|---|---|---|
| PHPSESSID | PHP Session ID. This is a unique identifier that is automatically created when a Session starts for a given visitor. | This cookie is deleted when browser is closed. |
| _utma | Google Analytics randomly generated number.
We use Google Analytics to monitor traffic levels, search queries and visits to this website. Google Analytics stores IP address anonymously on its servers, and neither Tribal or Google associate your IP address with any personally identifiable information. |
2 years |
| _utmb | 30 minutes | |
| _utmc | This cookie is deleted when browser is closed. | |
| _utmz | 6 months |
Use of Google Analytics
This website uses Google Analytics, a web analytics service provided by Google, Inc.
Google Analytics sets a cookie in order to evaluate your use of the Site and compile reports for us on activity on the Site to help us understand how visitors engage with the Site and track visitor interactions. Google Analytics collects information anonymously and without identifying individual visitors.
Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By accessing this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
Analytics uses its own cookies to store information, such as what time the visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. To disable this type of cookie, some browsers will indicate when a cookie is being sent and allow you to decline cookies on a case-by-case basis. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser, which prevents Google Analytics from collecting information about your website visits.
Use of Sharing Tools
This website uses a number of social media tools in the form of “share” buttons to enable users of the site to easily share articles with their friends through a number of popular social networks. As a result, when you visit a page with content embedded or social media buttons and content, you may be presented with cookies from these websites. These websites are not controlled by Tribal. By using these links you accept the privacy policies of these websites.
These sites may set a cookie when you are also logged in to their service. Data may then be collected by these companies that enables them to serve up adverts on other sites that they think are relevant to your interests. If you do not use such platforms then our site will not place these cookies on your device.
Detecting information about you
This site uses detection of your browser language settings. Depending on which language your browser is set to use, this site may redirect you to page(s) in that language. We may also perform IP lookups to determine which country or region you are in, and which domain your IP address is in.
We detect these things to more accurately gauge our users’ demographics.
Disclosure of your Personal Data under GDPR
We do not share, sell or distribute your Personal Data with unrelated third parties, except under these limited circumstances:-
- Personal Data may occasionally be transferred to third parties who act for us for further processing in accordance with the purposes for which the data was originally collected or for purposes to which you have subsequently consented.
- We may share or transfer the information in our databases to comply with a legal requirement, for the administration of justice, to protect your vital interests, to protect the security or integrity of our databases or this website, to take precautions against legal liability, or in the event of a sale, merger, reorganisation, dissolution or similar event.
- We may share or transfer the information in our databases with and to our volunteers, advisers and also external law firms in order to service your needs who may have their own privacy policy to which you may then be subject.
Where appropriate, before disclosing Personal Data to a third party, we contractually require the third party to take adequate precautions to protect that data and maintain confidentiality.
Data integrity and security
We strive to maintain the reliability, accuracy, completeness and currency of Personal Data in our databases and to protect the privacy and security of our databases. We keep your Personal Data only for as long as reasonably necessary for the purposes for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
Our employees and counsellors who have access to Personal Data have been trained to handle such data properly and in accordance with our security protocols and strict standards of confidentiality. Although we cannot guarantee against any loss, misuse, unauthorised disclosure, alteration or destruction of data, we try to prevent such unfortunate occurrences.
Data access and corrections
Upon receipt of your written request and enough information to permit us to identify your Personal Data, we will disclose to you the Personal Data we hold about you. We will also correct, amend or delete any Personal Data that is inaccurate and notify any third party recipients of the necessary changes.
If you wish to access or correct your Personal Data, please write to us at:
Blue Q Mortgage
Waterhouse Business Centre, 2 Cromar Way, Chelmsford, CM1 2NQ. United Kingdom.
or email us at info@blueqmortgage.com
We do not charge for complying with a correction request. Requests to delete Personal Data are subject to any applicable legal and ethical reporting or document retention obligations imposed on us.
Link to other web sites
This Web Site contains hyperlinks to web sites that are not operated by us. These hyperlinks are provided for your reference and convenience only and do not imply any endorsement of the activities of these third-party web sites or any association with their operators. We do not control these web sites and are not responsible for their data or privacy practices. We urge you to review any privacy policy posted on any site you visit before using the site or providing any Personal Data about yourself.
Transfer of data abroad
We do not intentionally transfer Personal Data outside the UK.
Of course, the Internet is made up of a large number of international connections. If you are visiting this Web Site from a country other than the country in which our server is located (currently the UK), the various communications will necessarily result in the transfer of information across international boundaries. By visiting this Web Site and communicating electronically with us, you consent to these transfers.
Governing Law
This privacy policy forms part of our Web Site Terms of Use and as such shall be governed by and construed in accordance with the laws of England & Wales. You agree to submit any dispute arising out of your use of this Web Site to the exclusive jurisdiction of the courts of England & Wales.
Questions
If you have any questions about this Privacy Policy or concerns about the way we process your Personal Data, please contact us by using the Contact Us Page.
Your home may be repossessed if you do not keep up repayments on your mortgage. Blue Q is authorised and regulated by the Financial Conduct Authority.
There will be no fee for Mortgage Advice. There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, but we estimate it to be £599. Blue Q is a trading style of Mortgage Required, Finance House, 5 Bath Road, Maidenhead, Berkshire, SL6 1LY is authorised and registered by the financial conduct authority reference 573718 at www.fca.org.uk/register/.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. More detail can be found on their website: www.financial-ombudsman.org.uk.