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Privacy Policy

LNK Mortgages operates the website www.LNKmortgages.co.uk. We are committed to safeguarding the privacy of our website visitors and customers. This Privacy Policy explains how we collect, use, and protect your personal data in accordance with UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Information we collect

We may collect, use, store, and transfer different kinds of personal data about you, which includes:

  • Identity Data: such as your first name, last name, title, date of birth, and gender.
  • Contact Data: such as your billing address, delivery address, email address, and telephone numbers.
  • Financial Data: such as bank account details and payment card information.
  • Transaction Data: details about payments to and from you and other details of services you have purchased from us.
  • Technical Data: such as your 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 you use to access this website.
  • Profile Data: such as your username and password, purchases or orders made by you, your interests, preferences, feedback, and survey responses.
  • Usage Data: information about how you use our website, products, and services.
  • Marketing and Communications Data: your preferences in receiving marketing from us and your communication preferences.

2. How We Use Your Information

We will only use your personal data when the law allows us to. We may use your personal data for the following purposes:

  • To Provide Our Services: To process your requests, provide our mortgage and insurance broking services, and manage your accounts.
  • To Manage Our Relationship with You: To communicate with you about your account, send you service updates, and respond to your inquiries.
  • To Improve Our Services: To analyze and enhance our offerings and your experience on our Site.
  • To Comply with Legal Obligations: To meet our legal and regulatory requirements, such as anti-money laundering obligations.
  • For Marketing Purposes: To send you information about our services, offers, and updates that we think may be of interest to you, provided we have your consent or a legitimate interest.

3. Legal Bases for Processing

We rely on the following legal grounds to process your personal data:

  • Performance of a Contract: Processing your data where it is necessary for the performance of a contract with you or to take steps at your request before entering into such a contract.
  • Consent: Where you have provided your consent, for example, to receive marketing communications. You can withdraw your consent at any time.
  • Legal Obligation: Processing your data where it is necessary to comply with a legal obligation.
  • Legitimate Interests: Processing your data where it is necessary for our legitimate interests (or those of a third party) in conducting and managing our business to enable us to provide the best service to you.

4. Sharing Your Information

We may share your personal data with the following parties:

  • Service Providers: Third parties who provide services to us, such as IT support, payment processing, and marketing assistance.
  • Professional Advisors: Including lawyers, bankers, auditors, and insurers who provide consultancy, banking, legal, insurance, and accounting services.
  • Regulatory Authorities: When required to comply with legal obligations, such as sharing information with the Financial Conduct Authority (FCA) or other regulators.
  • Third Parties in a Business Transfer: In the event of a sale, merger, or transfer of our business or assets, we may share your data with the buyer or new owner.

5. International Transfers

We do not transfer your personal data outside the UK or European Economic Area (EEA). If we do transfer your data internationally, we will ensure that it is protected by appropriate safeguards, such as using standard contractual clauses approved by the Information Commissioner’s Office (ICO).

6. Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed in an unauthorized way. Access to your personal data is limited to those employees, agents, contractors, and other third parties who have a business need to know.

7. Data Retention

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including to satisfy any legal, accounting, or reporting requirements. By law, we have to keep basic information