The Better Mortgage Company

Customer Privacy Notice

How we will handle your personal data and protect your privacy.

A guide to how we meet the requirements of the Data Protection Act.

Making sure personal data is secure and properly dealt with is of paramount importance in our dealings with you. It is therefore important you understand what information we will take, why we need it, and how we will process your details.

 

Who will process my data?

The Better Finance Group Ltd ta The Better Mortgage Company is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. As such, both The Better Finance Group Ltd ta The Better Mortgage Company and HL Partnership Limited will process your data in order to provide our services.

 

What data will you ask me for?

In order to fully understand your financial needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences.  Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will need to be passed on to the companies whose products you apply for.

Do I have to provide my personal data?

In order for us to be able to give you suitable advice, we need you to provide all the information we ask for as openly and honestly as possible. If you prefer not to disclose some information, please tell us that you prefer not to disclose it and we will assess whether this will alter or impede the work we are doing for you.

 

How will you use my data?

  1. The primary reason we will use your data is to allow us to do the job you’ve asked us to do. Specifically, we will use your data to:
  • Assess and provide advice to meet your needs and circumstances;
  • Introduce you to a range of product and service providers in order to meet your requirements;
  • Administer cases and assist processing of applications;
  • Tell you about any changes to products and service we have arranged for you;
  • Inform you about products and services we think may be suitable for you (unless you ask us not to send you this information).
  1. We may also process your information in order to meet our legal and regulatory requirements. These may include:
  • Complying with the regulations set out by the Financial Conduct Authority and other regulators as required;
  • Preventing financial crimes such as money laundering and fraud by passing your details to other relevant bodies such as the police and National Crime Agency where required.
  1. We may also process your personal data for our own legitimate interests. Typically, these would be limited to:
  • Analysing our business for trends and research how we can improve our services to customers;
  • Reviewing the work we have carried out for you to ensure we have met the regulations and quality standards;
  • Ensuring we are able to exercise or defend legal challenges in the future.
  1. HL Partnership Limited will use your data to monitor and assess our work to ensure we have provided a high standard of service and met our legal and regulatory commitments.

How long we will store your data?

We will only keep your personal information as long as necessary. How long that is depends on the type of data and the nature of the work we have carried out. In most cases, your personal data will be stored for an indefinite period as we need to keep evidence that we have fulfilled our legal and regulatory requirements.

Can I see a copy of my personal data?

Yes. Please write to our Data Controller (details below) and we will provide a copy of any personal data we hold about you within one calendar month of receiving your request. Please note that we may need to verify your identity before providing the information.

What if my data is incorrect or incomplete?

You have the right to have your data corrected or completed by contacting our Data Controller in writing (details below). Please be aware that we need to maintain records of information as it was at the time of the advice or the transaction taking place.

 

Can I have my data erased?

If we have provided you with advice or processed a transaction on your behalf, we will not normally be able to erase your personal data. This is because we are obliged to maintain records of our advice and transactions to meet our regulatory requirements and in case we need to exercise or defend legal claims in future.

Who is the Data Controller?

Name

The Better Finance Group Ltd

HL Partnership Limited

Address

3 Chisholm Terrace,

West Wick,

Weston Super Mare,

North Somerset,

BS24 7GE

2nd Floor Unit 1

 Southern Gate Office Village

 Chichester

 West Sussex

 PO19 8GR

Telephone

0117 3710062

03300 552651

Email

team@bettermortgage.co.uk

compliance@hlpartnership.co.uk

Data Controller Registration

ZA834286

Z8588911

 

How can I get more information?

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

The Data Protection Officer, HL Partnership Limited, 2nd Floor Unit 1, Southern Gate Office Village, Chichester, West Sussex, PO19 8GR

Telephone: 03300 552651

Email: compliance@hlpartnership.co.uk

If you’d like to make a complaint about how we have handled your personal data…

…please write in the first instance to The Data Protection Officer at the above address.

If you are not satisfied with the Data Protection Officer’s response, you can make a complaint to:

Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Telephone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)

Email through their website at: https://ico.org.uk/concerns/

Important Notes on Protecting your own Data

Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. Neither The Better Finance Group Ltd ta The Better Mortgage Company nor HL Partnership will take responsibility if you transfer money to a fraudster in error.

Cookies

Our website uses cookies to distinguish you from other users of our website. A cookie is a small file of letters and numbers that we put on your computer. Cookies contain information that is transferred to your computer’s hard drive.

The cookies we use are ‘analytical’ cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Name

Expiration

Description

_ga

2 years

Used to distinguish users.

_gat

10 minutes

Used to throttle request rate.

__utmat

2 years from set/update

Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.

__utmt

10 minutes

Used to throttle request rate.

__utmb

30 mins from set/update

Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.

__utmc

End of browser session

Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.

__utmz

6 months from set/update

Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.

__utmv

2 years from set/update

Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

eucookie

1 year

Used to record displayed cookie disclaimer notification

These cookies do not record any personally identifiable information (PII).

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

CHANGES TO OUR PRIVACY & COOKIES POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy and Cookies Policy.

Important Notes on Protecting your own Data

Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. HL Partnership Limited will not take responsibility if you transfer money to a fraudster in error.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it