Privacy Policy

Introduction

 

This privacy policy applies to www.finer.credit (Finer Credit/us/we/our). This Privacy Policy explains how we collect and process your personal data through your use of our website, product, and services. You must read this Privacy Policy so that you're fully aware of how and why we're using your data.

 

For the General Data Protection Regulation (GDPR) 2018, the registered data controller is Finer Credit Limited, and our registered office is 86-90 Paul Street, 3rd Floor, London, England, EC2A 4NE. 

 

You can get in touch with us if you have any questions about this Privacy Policy at hello@finer.credit. You can find more details about how we're regulated in our Terms of Business. 

 

What information we collect

 

We're transparent about what information we collect and how we can provide you the best possible service. When you create an account on our website, we collect the following information from you:
 

  • Identity Data: Name, address, employment, and citizenship. 

  • Contact Data: address, email address, and telephone numbers.

  • Financial Data:  banking details, salary, savings, and financial commitments.

  • Technical Data: internet protocol (IP) address, your login data, browser type.

  • Profile Data: includes your username and password.

 

How we will use your information

 

The personal data we collect about you will be mainly used to apply for a product or service we offer. However, we may use your information to : a) operate and manage any mortgage application(s) you consent to us making on your behalf; b) manage any life insurance application(s) you are making; c) business and statistical analysis including the formation to service you and others better; d) test our systems and develop our products; e) comply with any regulatory obligation we are obliged to; and

 

We will keep your data on our systems as follows: a) in line with our regulatory requirements, all data about a completed mortgage application will be kept on our systems for 6 years after completion; b) If you have not completed your application to use our product or services, we will keep your data on file as long as you have an account on our website. 

 

We may share your information with the following entities: a) any regulatory/governmental body, ombudsmen, or law enforcement agency; b) a mortgage lender to make a mortgage application; c) any electronic identification firm we use; d) any third parties that participate in the entire mortgage journey (e.g. solicitors, valuers, conveyancers, and mortgage clubs); e) Life Insurers and any third parties that participate in the arrangement and administration of a life insurance policy to complete Life Insurance applications on your behalf. 


Your legal rights

 

Under the General Data Protection Regulation (GDPR) 2018, you have different rights regarding your personal information.  It's important to be aware of these rights and when you can exercise them. You have the right to: a) request access to your personal data. b) request correction of the personal data that we hold about you. c) request the erasure of your personal data. d) object to the processing of your personal data. e) request restriction of processing of your personal data. f) request the transfer of your personal data to you or to a third party. g) withdraw consent at any time where we're relying on consent to process your personal data. 

 

If you wish to exercise any of the rights set out below, please contact us at hello@finer.credit 


Marketing communications

 

You'll receive marketing communications from us if you've opted to receive that marketing when you've requested information from us, used our services, or created an account.

 

If you have changed your mind about receiving marketing from us, you can opt-out at any time by clicking the unsubscribe button at the bottom of any of our marketing emails. Alternatively, you can email us at hello@finer.credit

 

Please note that your personal information will not be passed to any third-party organisation for marketing purposes. 


Complaints

 

Finer Credit's number one priority is to provide customers with the highest level of service. Your views and feedback are very important and help us to improve our services. If you have had a problem, please let us know by email at hello@finer.credit and we'll do everything we can to resolve it straight away.

 

Updates

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.