GDPR Policy

Last Updated on 15/02/2022

House Deals is a trading name of Shoppable LTD. Company Registration No: 10554784. For purposes of this GDPR Policy it shall be referred to as "House Deals" only.

House Deals collects personal data via this website in order to provide the information or services you request via cookies and sessions. By using any of our services and/or House Deals ("Site", "Website") you automatically accept to be governed by this GDPR Policy.

As the controller of your data, House Deals complies with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). This GDPR Policy details how House Deals processes your personal data.

Data We Collect About You

Personal data collected, used, stored and transferred by us may include:

Identity Data including forenames, last name, maiden name, date of birth, gender, marital status, and username or similar identifier
Contact Data including home address, email address and telephone numbers
Financial Data including banks statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets
Special Category Data specifically medical history
Transaction Data including payments made for products and services you have purchased from us
Technical Data including internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices used to access the Mortgage Advice Bureau website
Profile and Usage Data including purchases made by you, feedback and survey responses, and how you use our website, products and services
Marketing and Communications Data including your preferences in receiving marketing from us and our business partners and your communication preferences

How We Collect Data About You

Personal data is collected by us using the following methods:

Direct interactions with an adviser in person, by post, phone (including call recordings and voicemail), email, videoconferencing or otherwise when sourcing and applying for mortgage or protection products, processing Identity, Contact and Financial categories of personal data.
Automated technologies or technical interactions with our website, via the customer portal, by using the web enquiry form, processing Identity, Contact, Financial and Technical categories of personal data.
Third parties or publicly available sources (processing Identity, Contact and Financial categories of personal data) such as:Estate agents with whom you may be interacting, but only with your consent;
New home builders, as a legitimate interest of the builder in order to assess affordability for the property;
Enquiries you may perform on third-party mortgage sourcing websites.

Who We Disclose Data To

Your personal data may be shared with third parties for the following purposes:

Within House Deals
Depending on your requirements, it may be necessary to share your personal data with House Deals’ network and specialist product providers in order for suitably qualified advisers to source relevant products and services or to re-engage with existing clients.

Lenders and Protection Product Suppliers
To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicing of these contracts.

External Suppliers
Specialist IT system providers to deliver our service to you (including sourcing of products, providing continuing advice, sharing of documentation, payment processing, informing you about relevant products and services, service & advice quality checking and improvements, and to request feedback on customer service standards). It may also be necessary to share your personal data with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to House Deals.

Solicitors / Conveyancers
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit.

Estate agents / new home builders
To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application.

Licensed Credit Agencies.
For the purposes of confirming your identity to comply with Anti Money Laundering requirements ( TransUnion data processing information can be found in the privacy notice on the www.callcredit.co.uk website); to perform a credit assessment to assess your eligibility; to obtain a Lenders Decision In Principle; and as part of a full application.

Regulators
Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.

Others
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with House Deals instructions.

How Long We Hold Data

We only retain your personal data for as long as necessary. The points below outline how long data is retained, and depends on the reason the personal data is used for:

Successful Mortgage / Protection Applications
For the full mortgage or protection policy term plus a further 6 years, or for a period of 30 years for historical cases if the original term is not recorded.

Withdrawn, Stalled, Incomplete and Failed Mortgage/Protection Applications
2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected.

Client Portal Accounts
2 years from the date of last login if not proceeded to full application.

Affordability Assessments for New Build Property
2 years from Decision In Principle if affordability check does not proceed to a full mortgage application.

Enquiry Data Obtained from Third Parties that Do Not Result in an Application
2 years from the date the lead was received from the Introducer.

After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.

Your Data Rights

As part of this policy you have rights to:

Request Access
Request Correction
Request Erasure (Where Applicable)
Object to Processing (Where Applicable)
Request Transfer (Where Applicable)
Withdraw Consent

Clients who reside within the European Union retain their data subject rights under the EU General Data Protection Regulation. EU-based clients with queries regarding how House Deals processes their data can contact our customer support by e-mailing help@housedeals.co.uk.

Questions?

If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact our customer support by e-mailing help@housedeals.co.uk or by writing to us. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.