David’s Mortgage Advisory Privacy Policy
Introduction
This Privacy Policy relates to https://www.dmamortgages.co.uk/ (David’s Mortgage Advisory Ltd, Company Reg No: 16048060, trading as David’s Mortgage Advisory). It informs you, the customer, of what to expect and how we collect, use, and protect your data. By using our services, you accept and consent to the practices described in this Privacy Policy, which we may update periodically
Data Collected
This Privacy Policy explains how we handle your personal data, your privacy rights, and how the law protects you. For the purpose of the General Data Protection Regulation (GDPR) 2018, the registered data controller is our Compliance Officer. Our trading and registered address is Gemma House, 39 Lilestone Street, London, United Kingdom, NW8 8SS. Our ICO registration number is ZB806240.
We may collect data through:
• Communication methods (phone, email, SMS, WhatsApp, website interactions).
• Hard copies (postal services or hand-delivered documents).
• Third parties or publicly available sources (e.g., credit reference agencies, lenders, couriers, and partner websites).
Data we may collect includes but is not limited to:
• Loan and application details.
• Employment and income data.
• Credit commitments and adverse credit history.
• Property details and portfolio information.
• Identification (ID) and anti-money laundering (AML) verification.
• Bank statements, payslips, P60s, contracts of employment, tax overviews, and accounts.
• Financial dependents’ information (for affordability calculations).
We may record telephone calls for training and quality purposes.
Categories of Data Collected:
• Identity Data: Name, previous names, date of birth, gender, marital status.
• Contact Data: Home address, email, and phone numbers.
• Financial Data: Bank details, savings, credit commitments, income/expenditure, pension benefits.
• Transaction Data: Dates and times of transactions.
• Technical Data: IP address, browser type/version, and device information.
• Profile/Usage Data: Feedback, survey responses, and website usage data.
• Marketing and Communication Data: Preferences for receiving communications from us.
We may also record information to identify vulnerabilities, in line with FCA obligations for vulnerable customers.
Sharing of Data
We may share your data with:
• Regulatory bodies, ombudsmen, or law enforcement agencies.
• Lenders, conveyancers, solicitors, surveyors, and insurance providers, mortgage clubs as part of the mortgage application process.
• Any TMG Direct Group Company
• Credit reference agencies (CRAs) and identification verification services.
• External suppliers such as IT providers and software systems (ensuring data remains within the EEA).
Your data will not be shared for marketing by third parties without your explicit consent.
How We Use Your Data
We use your personal data for the following purposes:
• To process mortgage and loan applications.
• To comply with legal obligations (e.g., AML checks, identity verification).
• To communicate updates about products and services.
• To handle complaints or exercise your rights under GDPR.
• For legitimate business interests (e.g., quality control, troubleshooting, and website improvements).
Lawful Basis for Processing Data:
• Consent: To communicate and offer ongoing services.
• Legitimate Interest: To assess creditworthiness and process applications.
• Performance of a Contract: To fulfil services requested by you.
• Legal Obligation: To meet regulatory and statutory requirements.
Storing CV Data
David’s Mortgage Advisory also collects and stores CVs submitted by candidates interested in joining the firm. CV data will be stored securely for up to 6 months from the date of submission unless the candidate is hired. After this period, CV data will be securely deleted unless there is a specific legal or business need to retain it longer.
Data Retention Periods
We retain your personal data only as long as necessary:
• Successful mortgage applications: Archived securely after 6 years.
• Withdrawn, incomplete, or failed applications: Retained for 2 years.
• Enquiry data (without applications): Retained for 2 years.
• Marketing data: Retained indefinitely unless you opt-out.
• Complaints data: Retained for 3 years in line with FCA guidelines.
• CV data: Retained for 6 months unless otherwise required.
After these periods, your data will be securely deleted.
Marketing
You can choose to opt in to receive updates on products and services. We will obtain explicit consent to send marketing communications via email, SMS, phone, or post. You can change your preferences or withdraw consent at any time by contacting us.
Complaints
If you have concerns about how we handle your data, you can contact us at complaints@dmamortgages.co.uk. Provide your name, address, contact details, and the email used for registration. If unresolved, you can escalate your concern to the ICO at 0303 123 1113.
Cookies
Cookies are small text files stored on your device to improve website functionality. They help analyse web traffic and enhance your browsing experience. Cookies do not collect personal information. You can manage cookie preferences through your browser settings.
Contact Us
For any questions regarding this privacy policy, please contact us at enquiries@dmamortgages.co.uk.