HOW WE USE YOUR PERSONAL INFORMATION
To provide the highest level of customer service
we need accurate customer information. You can
help by informing us whenever your circumstances
change, either by telephone or post.
Our main use of your personal information is to
assist you in your application for a mortgage or
provide a specific service you require. Some
details we can/will obtain elsewhere i.e. credit
reference agencies.
Occasionally, we may contact you by letter,
telephone or otherwise to inform you about other
products and services that may interest you. If
at any stage you wish not to be contacted in the
future please write to us at the following
address:
Customer Contact, firstaidmortgages.com, 11
Castle Street, Truro, Cornwall, TR1 3AF.
Unless you have given us your consent, we will
not provide information about you to companies
outside firstaidmortgages.com.
Occasionally the Financial Services Authority
(FSA) review files belonging to companies that
they regulate to ensure firms are complying with
their rules. Whenever this happens, any
information is treated in the strictest
confidence.
Under the Data Protection Act you have the right
to access the information we hold about you on
our records. The act allows us to charge a
£10.00 fee for this service. If anything is
inaccurate or incorrect, please let us know and
we will correct it.
CREDIT REFERENCING
If you apply for a credit based product (e.g.
remortgage), we will perform a search with a
credit reference agency. The agency will keep a
record of the search.
When applying for a mortgage, we may also search
public records, such as the Electoral Roll which
is available from credit reference agencies to
help us verify your identity.
Associations linking your financial records may
be created on credit reference agency records
when you apply for a mortgage in joint names.
Your financial records, and those of anyone
financially associated with you, may be
considered in any future applications you make.
You have the right to apply to the credit
reference agencies for a copy of your credit
file. If there is anything incorrect on your
file, you have the right to ask the agency to
add a notice of correction.
We use Equifax Plc and/or Experian Limited for
our credit referencing. Their contact details
are as follows:
If you have been refused credit you can get
advice from your local Trading Standards
department, Citizens Advice Bureau or Consumer
Advice Centre, or through the agencies'
websites. The Information Commissioner also
produces a useful leaflet entitled No Credit?
You can obtain a free copy from the Information
Commissioners website at
www.informationcommissioner.gov.uk or by
telephoning 0870 600 8100
CREDIT SCORING
When you apply for a mortgage, the details you
provide, the information we already have and
information from credit reference agencies is
used to assess credit risk using a technique
called credit scoring.
Various factors in all these details help the
mortgage lenders assess the risk and determine
the mortgage they are willing to offer you.
REVIEWS
firstaidmortgages.com will ask you to give
consent to being contacted in the future about
products that may be suitable for you from our
range, once your remortgage has completed. This
will include calling when any special product
you have is nearing an end so we can see if you
can benefit by remortgaging again at that time.
If you do not want us to do this, please
let us know.
ANTI-MONEY LAUNDERING AND STATUTES
To comply with money laundering regulations, and
to help stop criminals using financial products
or services to launder money, there are times
when we need to confirm (or reconfirm) the name
and the address of our customers. We may need to
do this whether you are applying to be a new
customer or have been one for sometime. This
information will not be shared with other
companies other than those related to any
application you make to a lender.
Some acts of parliament oblige us to disclose
information about our customers to certain
bodies with statutory powers.
WEB SITE & EMAIL
If you email us, or give us your email address,
we will keep a record of it. We may use it to
contact you occasionally about our products and
services, unless you ask not to do so. We will
not give your email address to any unauthorised
third parties.
Should you decide to send us e-mail, you should
remember that messages sent over the Internet
are not secure and you should therefore think
very carefully before including any information
of a confidential nature. For our part, we will
respect the confidentiality of your information
and will limit the content of any e-mail we
create to reflect the security limitations that
currently exist within the Internet environment.
Should you therefore require us to respond, it
is essential that you provide your full name and
address to enable us to provide a written
response.
When you visit our website, a certain amount of
information is retained regarding the event to
enable us to understand the profile of our
visitors. The information retained includes the
IP address and/or the domain name of the
visitors. Cookies may be used to personalise
your visit to this site.
This privacy policy only covers Key Mortgage
Services Ltd websites and does not extend to
other websites that are linked to our sites.
TELEPHONE CALLS
We may record telephone conversations to offer
you additional security, resolve complaints and
improve our service standards.
Conversations may also be monitored for staff
training purposes.
RESPONSIBILITY FOR CUSTOMER CONFIDENTIALITY
All our employees are personally responsible for
maintaining customer confidentiality. We provide
training and education to all our staff to
remind them about their obligations. Our
policies and procedures are regularly audited
and reviewed.
If you think your confidentiality has been
broken please write to: Data Controller,
firstaidmortgages.com, 11 Castle Street, Truro,
Cornwall, TR1 3AF.
BUSINESS CUSTOMERS
The Data Protection Act does not generally apply
to companies but it does cover sole traders.
When we receive an application from such a
business we may perform a search with a credit
reference agency on the individual company
directors or partners.
