Mortgage.One

Apply Online

Introduction

Welcome to Mortgage.One (“we,” “us,” or “our”). Mortgage.One is a trading style of Key Capital Limited, a company registered in England and Wales with the registered address at 5 Jardine House, Harrovian Business Village, Bessborough Road, Harrow HA1 3EX, and trading address at Argyle House, Joel Street, Northwood HA6 1NW. We are committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our services, visit our website, or engage with us in any other capacity.

1. Definitions

  • Personal Data: Any information relating to an identified or identifiable natural person (“Data Subject”).
  • Processing: Any operation or set of operations performed on Personal Data, whether by automated means or otherwise.
  • Controller: The entity that determines the purposes and means of processing Personal Data.
  • Processor: The entity that processes Personal Data on behalf of the Controller.

2. Information We Collect

We may collect and process the following types of personal information:

  • Personal Identification Information: This includes but is not limited to your name, address, email address, phone number, date of birth, national insurance number, and other identifiers.
  • Financial Information: Information related to your income, tax status, credit history, bank account details, mortgage history, employment details, and other financial data necessary for providing our services.
  • Property Details: Information regarding the property you are financing, including the address, property value, mortgage balance, and other relevant details.
  • Technical Data: Information such as IP address, browser type, operating system, device information, and browsing behavior, which may be collected through cookies and similar technologies.
  • Communication Data: Any correspondence between you and us, including emails, phone calls, text messages, and records of conversations.
  • Usage Data: Information about how you use our website, products, and services.

3. How We Use Your Information

We use your personal data to:

  • Provide Our Services: Processing your mortgage applications, performing credit checks, and communicating with lenders.
  • Manage and Improve Our Services: Analyzing data to improve our offerings and user experience, personalizing your experience, and ensuring the security of our services.
  • Legal Compliance: Ensuring we comply with legal obligations such as anti-money laundering (AML) regulations, tax laws, and regulatory reporting requirements.
  • Marketing and Communications: Sending you information about our products, services, and special offers, subject to your consent. We may also use your information to improve our marketing strategies.
  • Customer Support: Assisting you with inquiries, providing customer service, and handling any complaints or disputes.

4. Legal Basis for Processing

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

  • Contractual Necessity: Processing is necessary to enter into or perform a contract with you.
  • Legitimate Interests: Processing is necessary for our legitimate interests, such as maintaining our relationship with you and ensuring the security of our operations.
  • Consent: Where you have provided explicit consent, for example, to receive marketing communications or to allow the sharing of your data with third parties.
  • Legal Obligation: Processing is necessary for compliance with a legal obligation, such as reporting requirements or law enforcement requests.

5. Sharing Your Information

We may share your personal data with:

  • Lenders and Financial Institutions: To facilitate your mortgage applications, loan processes, and other financial services.
  • Service Providers: Third-party vendors who provide IT services, payment processing, legal services, marketing services, and other operational support.
  • Regulatory and Legal Authorities: When required to comply with legal obligations or to protect our rights and interests.
  • Marketing and Analytics Partners: Subject to your consent, we may share your data with marketing partners to provide you with relevant offers and insights.

6. International Data Transfers

Your personal data may be transferred to and processed in countries outside the European Economic Area (EEA). Where this occurs, we will ensure that appropriate safeguards are in place, such as the use of Standard Contractual Clauses (SCCs) approved by the European Commission or other legally recognized transfer mechanisms.

7. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected. The retention period will vary depending on the type of data and the purpose of its processing. For example:

  • Financial Records: Retained for six years after the end of our business relationship, in compliance with legal obligations.
  • Marketing Data: Retained until you opt-out or withdraw your consent.
  • Communications: Retained for six years for quality assurance and legal compliance.

8. Your Rights

As a Data Subject, you have the following rights:

  • Right to Access: Request access to the personal data we hold about you.
  • Right to Rectification: Request correction of inaccurate or incomplete data.
  • Right to Erasure: Request deletion of your data under certain conditions.
  • Right to Restriction: Request limitation of how we process your data.
  • Right to Data Portability: Request to receive your data in a structured, machine-readable format.
  • Right to Object: Object to the processing of your data based on legitimate interests or direct marketing.
  • Right to Withdraw Consent: Withdraw your consent at any time, where processing is based on consent.

To exercise these rights, please contact us at info@keycapital.uk or call 0300 400 500.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can control the use of cookies through your browser settings. For more detailed information, please review our Cookie Policy.

10. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction. However, while we strive to protect your data, no security measure is entirely foolproof.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or for other operational reasons. We will notify you of significant changes through our website or via email.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Mortgage.One (Key Capital Limited)

Address: Argyle House, Joel Street, Northwood HA6 1NW
Email: info@keycapital.uk
Phone: 0300 400 500

Scroll to Top