Privacy Policy

We may collect and process information about you and your personnel through various means, including:

in the course of carrying out work for you (or your business)
via our website (e.g. on our ‘Contact Us’ page)
by email or other electronic correspondence
by telephone
at external events (e.g. at client events and/or other meetings or events either hosted or attended by us)
via your estate agent

The personal data you give to us may include:

your name and title contact information, including telephone number, postal address, and email address
information relating to your location, preferences, and/or interests

Regulated by the Financial Conduct Authority

employment and job application details, e.g. date of birth, employment history, qualifications, equality monitoring information
photographic identification
in certain circumstances, your and others’ signature(s), National Insurance number(s), financial details such as bank account details, and details of any relevant sanctions or similar restrictions
in certain circumstances, data relating to health (including disabilities), ethnicity, race, religious beliefs, trade union membership, and other ‘special category personal data’
the content of any inquiry submitted over our website
any other personal data we collect (such as the client reference number which may be assigned to you) in the context of our work for our clients or in the course of operating our business.

Each time you visit our website, we may automatically collect the following information:

Web usage information (e.g. IP address), your login information, browser type and version, time zone setting, operating system and platform.
Information about your visit, including the full Uniform Resource Locators (URLs) clickstream to, through and from our website (including date and time); time on page, page response times, download errors, length of visits to certain pages, page interaction
information (such as scrolling, clicks and mouse-overs).
Location, device and demographic information (Google Analytics provides age range and gender information. Find out more about how Google collects demographic data).
We may ask you for information when you report a problem with our website.
If you contact us, we may keep a record of that correspondence.

Our website uses cookies to distinguish you from other users, to improve your experience on our website, and, to recommend content that may be of interest to you. For further details, please contact us.

We may use your information for the following purposes:

to respond to any query that you may submit to us
to manage our relationship with you (and/or your business), including by maintaining our database of clients and other third parties for administration, and accounting and relationship management purposes
to complete our contractual obligations to you, or otherwise taking steps as described in our engagement terms and/or our Retail Client Agreement (including any associated administration)
to carry out any relevant conflict checks, anti-money laundering and sanctions checks and fulfilling our obligations under any relevant anti-money laundering law or regulation (including under The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017)

Regulated by the Financial Conduct Authority

to send you any relevant information on our services and events that may be of interest to you using the email and/or postal address that you have provided, but only if you have given us your consent to do so or we are otherwise able to do so in accordance with applicable European Data Protection Legislation
to process any job application you (or your representative) has submitted
Carry out market research, profiling and business and statistical analysis including the formation of a view on you as an individual in order to service you and others better;
to ensure that our website’s content is presented in the most effective manner for you and your device
to customise our website according to your interests
to administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey responses
to allow you to participate in interactive features on our website when you choose to do so
as part of our efforts to keep our website safe and secure
to measure or understand the effectiveness of advertising we send to you and others, and to deliver relevant advertising to you
to ensure we appropriately administer any attendance/visits to our office
to comply with any other professional and regulatory obligations which apply to us or policies that we have in place
as we feel is necessary to prevent illegal activity or to protect our interests.
If you have consented, we will contact you by any medium you have agreed to or provided us with details of, concerning services.

We will rely on the following legal bases under European Data Protection Legislation for processing your personal data:

Performance of, or entry into, a contract. The personal data that we are required to collect to comply with any other professional and regulatory obligations that apply to us must be provided to us for us to perform this contract – we would not be able to act for you without this personal data.
Compliance with a legal obligation to which we are subject. We have a legitimate interest in doing so as a financial services provider (and where our legitimate interests are not overridden by your (or the relevant individual’s) own interests or fundamental rights or freedoms). These legitimate interests will include our interests in managing our relationship with our clients, administering visits to our offices and ascertaining achievement of proper standards/ compliance with policies, practices or procedures. Where the processing of ‘special category data’ is necessary in the context of the establishment, exercise, or defense of claims.
In certain circumstances, such as those described above or where we need to process ‘special category data’ in the context of our agreed work but outside the scope of above, where we have obtained your express consent to do so. As we will explain at the time we collect your consent, you may withdraw it at any time in accordance with the information we provide to you at that time.

Regulated by the Financial Conduct Authority

We may share your details with carefully selected third parties. These may include service providers, support services, and third parties to enable us to fulfill our contractual obligations to you and/or our clients in the course of business.

If we share your information with third parties they will process your information as either a data controller or as our data processor and this will depend on the purposes of our sharing your personal data. We will only share your personal data in compliance with the European Data Protection Legislation.

We may disclose your information to third parties when:

you specifically request this or it is necessary to provide our financial services to you (e.g. when we need to instruct experts in another jurisdiction to provide advice which you have requested)
we feel other companies’ products and services may interest you
in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
if our website or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets
if we are under a duty to disclose or share your personal data in order to comply with any legal obligation or to protect the rights, property or safety of our website, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

The third parties include:

our preferred Product Providers
Investment Houses (including as permitted by The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 which, to prevent money laundering or terrorist financing, may require us to disclose your personal data)
our insurers
our auditors, including external accreditation bodies
other professional advisors or third parties (including accountants and technical experts) with whom we engage as part of our work for our clients or who our clients separately engage in the same context
the Financial Conduct Authority (FCA)
our data processors providing catering, security, email security, data governance, archiving and other IT and business support services
our email marketing platform provider and our website platform provider
analytics and search engine providers that assist us in the improvement and optimisation of our website
any third party you ask us to share your data with.

Regulated by the Financial Conduct Authority

Our website may, from time to time, contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

We will not rent or sell our users’ or other contacts’ details to any other organisation or individual.

We follow strict security procedures as to how your personal information is stored and used, and who sees it, to help stop any unauthorised person getting hold of it. All personal information you register on our website will be located behind a firewall. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Unfortunately, the transmission of information via the internet is not completely secure and although we do our best to protect your personal data, we cannot absolutely guarantee the security of your data.
We will keep your information stored on our systems for as long as it takes to provide the services to you and in accordance with our Terms of Business. We may keep your data for longer than our stated retention period if we cannot delete it for legal, regulatory or technical reasons. We may also keep it for research, preventing conflicts of interests or statistical purposes. If we do, we will ensure that appropriate safeguards are in place to protect your privacy and only used for those purposes.
Any contact details stored on our client relationship management database will be removed from our mailing lists if they do not interact with our emails (i.e. open emails or click on links within them) for a certain period following which they will be moved to an archive folder before being deleted permanently.

The third parties we engage to provide services on our behalf will keep your data stored on their systems for as long as is necessary to provide the services to you. We will, unless required to, not store your information for longer than is reasonably necessary or required by law.

Where we process your personal data we do so on the basis that you have provided your
consent for us to do so, when you submitted your personal data to us. You may withdraw your consent to this processing at any time by contacting us at
hello@frank-mortgages.co.uk, via whatsapp or via the form on our Contact Us page.
If you do withdraw your consent, we may still be able to process some of the data that you have provided to us on other grounds and will notify you of these at such time.

European Data Protection Legislation gives you the right to access information held about you. You are entitled to be told by us whether we or someone else on our behalf is processing your personal information; what personal information we hold; details of the purposes for the processing of your personal information; and details of any third party with whom your personal information has been shared.

You can access the personal information we hold on you by writing to us at: FAO: Josh Parrott, Frank Mortgage Solutions Ltd, 414 Gorton Road, Stockport, SK5 6RS. You can also contact us by email at hello@frank-mortgages.co.uk or by completing our form via our Contact Us page.

We will ask you to provide proof of identity before we show you your personal information – this is so we can prevent unauthorised access.

Regulated by the Financial Conduct Authority.

You have the additional rights to request rectification and erasure of your personal data and to request restriction of, and to otherwise object to, our processing of your personal data and you can exercise these rights at any time by contacting Josh Parrott or Hadleigh Forman or by completing our form via our Contact Us page.

From 25 May 2018, you will also be entitled to receive the personal data that you have provided to us in a structured, commonly used and machine-readable format, and to transmit that data to another data controller. You can exercise this right from 25 May 2018 by contacting us at hello@frank-mortgages.co.uk or by completing our form via our Contact Us page.

If you have changed your mind about receiving marketing from us, you can opt out at any time by clicking the unsubscribe button or the link at the bottom of any of our marketing emails.

If you consent to us contacting you, we will always aim to be respectful, relevant and appropriate. If at any time you do not think that we have complied with this, please contact us straight away to let us know.

You also have the right to make a complaint to the Information Commissioner’s Office. For more details please visit the ICO website here: https://ico.org.uk/make-a-complaint/

Questions, comments and requests regarding this Policy should be addressed to our Data Protection Officer:

Email address: josh@frank-mortgages.co.uk

Address:

Frank Mortgage Solutions Ltd, 414 Gorton Road, Stockport, England, SK5 6RS

Tel: 07498987102 |
Email: hello@frank-mortgages.co.uk
Web: frank-mortgages.co.uk

Introduction

Frank Mortgage Solutions Ltd (trading as Frank Mortgages) is committed to respecting and protecting your privacy. This Privacy Policy (the “Policy”) explains how we will collect, store and use any personal data you provide via our website, email or networking with our people and when you otherwise communicate with us (including in the course of the financial services we provide or the running of our business).

Our details are as follows:
Address: Frank Mortgage Solutions Ltd, 414 Gorton Road, Stockport, England, SK5 6RS

Company number: 15793241

ICO registration number: ZB711245

This policy may change from time to time and, if it does, the up-to-date version will always be available on here and becomes effective immediately.

Please take the time to read this policy, which contains important information about how we process personal data.

For this Policy, European Data Protection Legislation; is defined as, for the periods in which they are in force, the European Data Protection Directive 95/46/EC, all laws giving effect or purporting to give effect to the European Data Protection Directive 95/46/EC (such as the Data Protection Act 1998) or otherwise relating to data protection (to the extent the same apply) and, from 25 May 2018, the General Data Protection Regulation (Regulation (EU) 2016/670) (“GDPR”) or any equivalent legislation amending, supplementing or replacing the GDPR.

Information we may collect about you:

We may collect and process information about you and your personnel through various means, including:

in the course of carrying out work for you (or your business)
via our website (e.g. on our ‘Contact Us’ page)
by email or other electronic correspondence
by telephone
at external events (e.g. at client events and/or other meetings or events either hosted or attended by us)
via your estate agent

The personal data you give to us may include:

your name and title contact information, including telephone number, postal address, and email address
information relating to your location, preferences, and/or interests

Regulated by the Financial Conduct Authority

employment and job application details, e.g. date of birth, employment history, qualifications, equality monitoring information
photographic identification
in certain circumstances, your and others’ signature(s), National Insurance number(s), financial details such as bank account details, and details of any relevant sanctions or similar restrictions
in certain circumstances, data relating to health (including disabilities), ethnicity, race, religious beliefs, trade union membership, and other ‘special category personal data’
the content of any inquiry submitted over our website
any other personal data we collect (such as the client reference number which may be assigned to you) in the context of our work for our clients or in the course of operating our business.

Each time you visit our website, we may automatically collect the following information:

Web usage information (e.g. IP address), your login information, browser type and version, time zone setting, operating system and platform.
Information about your visit, including the full Uniform Resource Locators (URLs) clickstream to, through and from our website (including date and time); time on page, page response times, download errors, length of visits to certain pages, page interaction
information (such as scrolling, clicks and mouse-overs).
Location, device and demographic information (Google Analytics provides age range and gender information. Find out more about how Google collects demographic data).
We may ask you for information when you report a problem with our website.
If you contact us, we may keep a record of that correspondence.

Cookie Policy

How we will use your information

We may use your information for the following purposes:

to respond to any query that you may submit to us
to manage our relationship with you (and/or your business), including by maintaining our database of clients and other third parties for administration, and accounting and relationship management purposes
to complete our contractual obligations to you, or otherwise taking steps as described in our engagement terms and/or our Retail Client Agreement (including any associated administration)
to carry out any relevant conflict checks, anti-money laundering and sanctions checks and fulfilling our obligations under any relevant anti-money laundering law or regulation (including under The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017)

Regulated by the Financial Conduct Authority

to send you any relevant information on our services and events that may be of interest to you using the email and/or postal address that you have provided, but only if you have given us your consent to do so or we are otherwise able to do so in accordance with applicable European Data Protection Legislation
to process any job application you (or your representative) has submitted
Carry out market research, profiling and business and statistical analysis including the formation of a view on you as an individual in order to service you and others better;
to ensure that our website’s content is presented in the most effective manner for you and your device
to customise our website according to your interests
to administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey responses
to allow you to participate in interactive features on our website when you choose to do so
as part of our efforts to keep our website safe and secure
to measure or understand the effectiveness of advertising we send to you and others, and to deliver relevant advertising to you
to ensure we appropriately administer any attendance/visits to our office
to comply with any other professional and regulatory obligations which apply to us or policies that we have in place
as we feel is necessary to prevent illegal activity or to protect our interests.
If you have consented, we will contact you by any medium you have agreed to or provided us with details of, concerning services.

Legal grounds for processing your information

We will rely on the following legal bases under European Data Protection Legislation for processing your personal data:

Performance of, or entry into, a contract. The personal data that we are required to collect to comply with any other professional and regulatory obligations that apply to us must be provided to us for us to perform this contract – we would not be able to act for you without this personal data.
Compliance with a legal obligation to which we are subject. We have a legitimate interest in doing so as a financial services provider (and where our legitimate interests are not overridden by your (or the relevant individual’s) own interests or fundamental rights or freedoms). These legitimate interests will include our interests in managing our relationship with our clients, administering visits to our offices and ascertaining achievement of proper standards/ compliance with policies, practices or procedures. Where the processing of ‘special category data’ is necessary in the context of the establishment, exercise, or defense of claims.
In certain circumstances, such as those described above or where we need to process ‘special category data’ in the context of our agreed work but outside the scope of above, where we have obtained your express consent to do so. As we will explain at the time we collect your consent, you may withdraw it at any time in accordance with the information we provide to you at that time.

Regulated by the Financial Conduct Authority

Sharing your information

We may disclose your information to third parties when:

you specifically request this or it is necessary to provide our financial services to you (e.g. when we need to instruct experts in another jurisdiction to provide advice which you have requested)
we feel other companies’ products and services may interest you
in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
if our website or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets
if we are under a duty to disclose or share your personal data in order to comply with any legal obligation or to protect the rights, property or safety of our website, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

The third parties include:

our preferred Product Providers
Investment Houses (including as permitted by The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 which, to prevent money laundering or terrorist financing, may require us to disclose your personal data)
our insurers
our auditors, including external accreditation bodies
other professional advisors or third parties (including accountants and technical experts) with whom we engage as part of our work for our clients or who our clients separately engage in the same context
the Financial Conduct Authority (FCA)
our data processors providing catering, security, email security, data governance, archiving and other IT and business support services
our email marketing platform provider and our website platform provider
analytics and search engine providers that assist us in the improvement and optimisation of our website
any third party you ask us to share your data with.

Regulated by the Financial Conduct Authority

We will not rent or sell our users’ or other contacts’ details to any other organisation or individual.

Storage and retention of your personal data

Withdrawal of consent

Your information rights

We will ask you to provide proof of identity before we show you your personal information – this is so we can prevent unauthorised access.

Regulated by the Financial Conduct Authority.

Marketing Communications

If you have changed your mind about receiving marketing from us, you can opt out at any time by clicking the unsubscribe button or the link at the bottom of any of our marketing emails.

Complaints

You also have the right to make a complaint to the Information Commissioner’s Office. For more details please visit the ICO website here: https://ico.org.uk/make-a-complaint/

Contact

Questions, comments and requests regarding this Policy should be addressed to our Data Protection Officer:

Email address: josh@frank-mortgages.co.uk

Address:

Frank Mortgage Solutions Ltd, 414 Gorton Road, Stockport, England, SK5 6RS

Tel: 07498987102 |
Email: hello@frank-mortgages.co.uk
Web: frank-mortgages.co.uk

Unsure of what to do next

Want to know more about your options?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

Frank Mortgages is a trading style of Frank Mortgage Solutions Ltd (15793241). Frank Mortgage Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered Office: Frank Mortgages Ltd, 414 Gorton Road, Stockport, SK5 6RS.

Registered Company Number: 15793241.

Registered in England & Wales.

Assumptions

In order to create these results, we have had to make a few assumptions:

1) Interest is charged monthly.

2) Interest rate stays the same over the term.

3) If you selected ‘Interest only’, we assume your standard monthly payment doesn’t decrease even if you pay off some of the balance.

Information we may collect about you:

Cookie Policy

How we will use your information

Legal grounds for processing your information

Sharing your information

Storage and retention of your personal data

Withdrawal of consent

Your information rights

Marketing Communications

Complaints

Contact

Content

Introduction

Information we may collect about you:

Cookie Policy

How we will use your information

Legal grounds for processing your information

Sharing your information

Storage and retention of your personal data

Withdrawal of consent

Your information rights

Marketing Communications

Complaints

Contact

Unsure of what to do next

Want to know more about your options?

Assumptions