This Privacy Policy lets you know how we collect, process and look after your personal data through your use of our website, including when you create an account, sign up to our newsletter, use our brokerage or mortgage monitoring services or take part in promotion or product feedback. It also details how the law protects you.
It's important that you read this Privacy Policy together with any other privacy policy or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you, so that you're fully aware of how and why we're using your data.
It's important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
It's important to know who's handling your data. Here we set out who we are, why we have this policy in place, and how you can get in touch with us if you have any questions or would like to talk to us about your data.
Personal data we hold about you may be processed by Sammon Mortgage Management, trading as Sammon Mortgages and where necessary shared with third parties, such as product providers, for the purpose of processing your application, assessing the risk to grant credit and for regulatory purposes.
Sammon Mortgages is the controller and responsible for your personal data and this website. You can get in touch with us if you have any questions about this Privacy Policy, including any requests to exercise your legal rights, at:
Sammon Mortgages, 3 Lloyds Avenue, London, EC3N 3DS
Email address: hello@sammon-mortgages.co.uk
Telephone number: 0844 879 4522
Sammon Mortgage Management Ltd, trading as Sammon Mortgages is the data controller. Sammon Mortgage Management are Authorised & Regulated by the Financial Conduct Authority. FCA Register No. 515376.
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK independent supervisory authority for data protection issues (www.ico.org.uk). We'd always appreciate the chance to deal with your concerns before you approach the ICO however, so please contact our Complaints Department below:
Sammon Mortgages, Complaints Department, 3 Lloyds Avenue, London, EC3N 3DS.
Personal data, or personal information, is any information about you from which you can be identified. It doesn't include data where your identity has been removed (anonymous data).
As a mortgage broker, we want to tailor the best recommendations for your personal circumstances. We therefore ask you for a variety of information to be able to provide this personalised service. Your responses to the questions you provide have a direct impact on what further details we may need from you, as different lenders require different information. This helps us ensure we can select from the widest range of products to provide you with the most appropriate recommendation. We'll always explain this to you, and you can ask us any questions about the data we're collecting at any time.
If you are an existing customer we may use the information we have on you to pre-fill forms when you apply for a new product, but we'll always check that these details are accurate and up to date.
We may collect, use, store and transfer different kinds of personal data about you as follows:
As part of our online fact find, we don't actively collect any information about criminal convictions and offences or any specific Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). However, it's important to note that some of the information you provide us with may become Special Category data when collated to form part of your application. We need your consent to process this data, and this is why we ask you to let us know that you agree to our Privacy Policy. This means we can continue to process your application with Special Category Personal Data included (as we wouldn't be able to provide our service without it).
We collect data relating to number of dependents as this affects our affordability calculations to provide you with the most appropriate recommendation. However, we'll only ask for further data relating to dependents if specifically requested as part of an application to be submitted to a lender. We'll only request this data if absolutely necessary. This data will be treated sensitively and we won't use this data for marketing purposes or creating personality or user profiles.
Apart from the information customers provide to us directly, we may also record information about potential vulnerabilities where we think this is appropriate to meet the obligations placed on us by the Financial Conduct Authority (FCA) with regard to vulnerable customers.
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this Privacy Policy.
You'll communicate with us in a variety of different ways while processing your application with Sammon Mortgages, so it's important to understand what happens to your personal information along the way.
We use different methods to collect data from and about you including through:
You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, SMS, phone, email or otherwise. This includes personal data you provide when you:
As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our Cookies Policy for further details.
We may receive personal data about you from various third parties and public sources as set out below:
We'll only use your personal data when the law allows us to. Most commonly, we'll use your personal data in the following circumstances:
Where we rely on consent as a legal basis for processing your personal data, you have the right to withdraw consent to marketing at any time by contacting us.
We will use your information to:
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we're using your data. Please contact us if you need details about the specific legal ground we're relying on to process your personal data where more than one ground has been set out in the table below.
To protect against money laundering, we're required to conduct customer identity screening. As part of this process, we'll try to verify your name and address by checking your details against databases held by credit reference agencies and the electoral roll. If we can't verify your name and address, we may ask you to provide us with other documents to confirm these details. This does not affect you credit history or status.
If you're a joint mortgage applicant we'll record any information you give us about any other persons who are joined to the application.
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.
In addition, we value all feedback our customers provide to help us build our business and improve our product. If you leave us a review, we may contact you to ask you if you would like to publicise your review, or to offer you follow up assistance with any difficulties encountered. We may also follow up to for feedback or to ask if you are willing to contribute to marketing material.
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You'll receive marketing communications from us if you've requested information from us or used our services, or if you provided us with your details when you created an account and, in each case, you've opted to receiving that marketing.
You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you, or by Contacting us at any time.
Where you opt out of receiving these marketing messages, this won't apply to personal data provided to us as a result of a product transaction.
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, have a look at our Cookie Policy.
We'll always treat your data and privacy with respect. This applies where we need to share this to provide you with the best possible service. More details are set out below.
To perform the activities set out above, we may have to share your personal data with the following parties:
It's important to note that mortgage lenders and other third parties are also data controllers in their own right, and have their own privacy notices.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We don't allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
We'll also share your personal data with the following data processors where necessary to fulfil our services and regulatory obligations:
We may disclose information to either the Financial Service Ombudsman or the Financial Conduct Authority where they request this to resolve complaints, or our auditors in connection with their duties.
As a UK based company, all the personal information we process is protected by European data protection standards. And, if we ever have to send data overseas, we take care that it's covered by the same high standards.
Some of our external third parties are based outside the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the EEA.
Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.
We understand how important it is to keep your personal data secure, and have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we're legally required to do so.
We won't hold your data for any longer than we need to, to make sure you're getting maximum benefit from our services. Find out more here:
In some circumstances you can ask us to delete your data. We may also anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
As a consumer, you have the right to be informed about the collection and use of your personal data, and to have a say in how it's handled. It's important to be aware of these rights and when you can exercise them, so we've set them out here.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. We'll be happy to discuss these and how they might apply to you.
If you wish to exercise any of the rights set out below, please contact us.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we'll notify you and keep you updated.
You won't 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 is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
In summary, you have the right to:
If you wish to exercise any of the rights set out above, please contact us.