Privacy Policy
How Bad Credit Mortgage UK collects, uses and protects your personal information.
Who We Are
Bad Credit Mortgage UK (badcreditmortgage.uk) is a trading style of Mortgages Remortgages Ltd, 34 Stoops Road, Bessacarr, Doncaster, DN4 7ES. We are authorised and regulated by the Financial Conduct Authority, FCA Registration Number 307051.
For the purposes of data protection law, Mortgages Remortgages Ltd is the data controller responsible for your personal information.
What Information We Collect
When you use our website, contact us, or apply for a free assessment, we may collect:
Contact details such as your name, email address, phone number and postal address; financial information relevant to your mortgage enquiry, such as income, deposit, property value and details of your credit history; technical information such as your IP address, browser type and how you interact with our website, collected via cookies and similar technologies; and any other information you choose to share with us when you get in touch.
How We Use Your Information
We use your information to assess your mortgage enquiry and provide advice or a recommendation; to contact lenders, insurers or other third parties on your behalf as part of arranging a mortgage or insurance product; to respond to your enquiries and provide customer service; to meet our legal and regulatory obligations, including those imposed by the Financial Conduct Authority; and, where you have agreed, to contact you about products or services that may be relevant to you.
We rely on the following legal bases to process your data: performance of a contract or steps prior to entering into one, our legitimate interests in providing and improving our services, compliance with a legal obligation, and your consent where applicable.
Sharing Your Information
We may share your information with mortgage lenders, insurers and other product providers in order to obtain quotes, illustrations or process an application on your behalf; credit reference agencies, to carry out credit checks as part of a mortgage application; regulators such as the Financial Conduct Authority, where required by law; and IT and service providers who help us operate our business, under appropriate confidentiality arrangements.
We do not sell your personal information to third parties.
How Long We Keep Your Information
We keep your personal information for as long as necessary to provide our services, meet our regulatory record-keeping obligations as an FCA-authorised firm, and deal with any complaints. Typically this means we retain client records for a minimum period required by FCA rules, after which information is securely deleted or anonymised.
Cookies
Our website uses cookies to help it function properly and to understand how visitors use the site. You can control or delete cookies through your browser settings at any time. Disabling cookies may affect how parts of the website work.
Your Rights
Under data protection law, you have the right to: access the personal information we hold about you; ask us to correct inaccurate information; ask us to delete your information, in certain circumstances; object to or restrict how we use your information; ask us to transfer your information to another organisation; and withdraw consent, where we rely on consent to process your data.
To exercise any of these rights, please contact us using the details below. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk if you believe we have not handled your information properly.
Contact Us
If you have any questions about this Privacy Policy or how we handle your information, please contact us:
Mortgages Remortgages Ltd
34 Stoops Road, Bessacarr, Doncaster, South Yorkshire, DN4 7ES
Telephone: 01302 361 361
This policy may be updated from time to time. Please check back periodically for the latest version.