Places for People Group Ltd, trading as Places for People Mortgage Advice is committed to protecting your privacy when you use our services in respect of advice on mortgages and insurance products.
The Privacy Notice below explains how we use information about you and how we protect your privacy.
We have a Data Protection Officer who makes sure we respect your rights and follow the law. If you have any concerns or questions about how we look after your personal information, please contact the Data Protection Officer, at firstname.lastname@example.org
Do you know what personal information is?
Personal information can be anything that identifies and relates to a living person. This can include information that when put together with other information can then identify a person.
Information we may collect about you may include (but is not limited to):
In order to fully understand your financial needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences.
Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will, as part of your application, be passed on to the company whose products you apply for.
In order for us to be able to give you suitable advice, we need you to provide all the information we ask for as openly and honestly as possible. If you prefer not to disclose some information, please tell us that you prefer not to disclose it and we will assess whether this will alter or impede the work we are doing for you.
There are a number of reasons we need to process your personal data:
We may also collect personal information from others who you authorise to speak to us on your behalf – this may include:
Did you know that some of your personal information might be classified as ‘special’?
Some information is ‘special’ and needs more protection due to its sensitivity. It’s often information you would not want widely known and is very personal to you. This is likely to include anything that can reveal information relating to your:
We will only collect this type of information if it is necessary to your contract so that we can provide the right services to you.
We may at times need to share this information we will only do this if we have your consent or if there are legal requirements for us to do so. We may receive information about you from other data controllers, such as to the police who might tell us about a crime they are investigating where this impacts on your contract with us. If you give us this information about yourself when communicating with us, you do so because you consider it forms part of a legitimate interest for us to hold this information on our records.
If we ask for any sensitive personal data about you, we will always tell you why we need it and ask for your consent to hold it.
We may need to use some information about you to:
How the law allows us to use your personal information
There are a number of legal reasons why we need to collect and use your personal information.
Generally we collect and use personal information for the purposes of where:
We may contact you or send communications to tell you about a service enhancement such as improvements to our online services or to keep you informed on how we are performing. We won’t need your consent to communicate with you this way because we have assessed that it forms part of our agreement with you and it is of mutual interest for us to keep you informed and is relevant to your contract with us.
We would like to occasionally send you information on other products and services we offer, and which we think will be of interest to you. We will ask for your consent to communicate this type of information to you, you can remove your consent and ask us to stop.
Places for People Group Ltd, trading as Places for People Mortgage Advice is part of the Places for People Group, one of the largest property and leisure management organisations in the UK. Places for People provides customers with a wide range of products and services, including leisure centre and gym memberships, affordable finance products and retirement services to name just a few. We would like to occasionally send you marketing information on products and services that we think will be of interest to you and we will ask for your consent to do this. We promise to treat your contact details with the utmost care, and to never pass them to companies outside of the Places for People Group.
If we have consent to use your personal information to send you information about other Places for People Group companies products and services, you have the right to remove it at any time. Places for People Group Ltd, trading as Places for People Mortgage Advice provide access for you to update your consents to marketing, you can do this via email to email@example.com or by calling 0800 0223 663 our opening hours are Monday/Wednesday/Friday 8:30 to 16:30 and Tuesday and Thursday 8:30 to 18:30. Calls may be recorded for training and monitoring purposes.
Where we can, we’ll only collect and use personal information if we need it to deliver a service or meet a requirement.
If we don’t need personal information we’ll either keep you anonymous if we already have it for something else or we won’t ask you for it. For example in a survey we may not need your contact details so we’ll only collect your survey responses.
If we use your personal information for research and analysis, we’ll keep you anonymous or use a different name unless you’ve agreed that your personal information can be used for that research.
We won’t sell your personal information to anyone else.
We may share your information with other companies within our group, we will always ask for your consent to do this and you can ask us to stop at any time.
We will always provide an option for updating your marketing preferences on our communications with you.
When you visit one of our websites, we collect standard internet log information for statistical purposes.
Our websites contain links to various third party websites. We are not responsible for the content or privacy practices of any external websites that are linked from our sites.
Text messages and contact via telephone or email provide a direct way to contact and share information with you about the services we can deliver to you. It can also help you receive important messages about your products or information that may interest or a help you to you such as new online services.
If you provide your telephone number or email address we may keep in contact with you by these methods.
Operational SMS/text/email messaging and calls
If you supply us with your telephone or email contact details, we may use them to call or send you operational text messages.
Examples of operational text messages include:
Sharing your telephone number with third parties
We may pass your telephone number to third parties so that we can meet our contractual obligations with you. We may also share your telephone numbers if we are required to by law.
We may supply the details to our approved third party contractors who are delivering or performing services on our behalf, and these companies must not use your information for any other purpose. We never share or sell your telephone numbers to telesales/marketing companies.
We use a range of organisations to either store personal information or help deliver our services to you. Where we have these arrangements there is always an agreement in in place to make sure that the organisation complies with data protection law.
It is not always possible for us to tell you that personal information is being shared, for example when we are working with the police or other agencies to help the investigation or detection of a crime as to do so may prejudice that investigation.
We are likely to share your personal information with the following:
Mortgage and Insurance Companies
In order to process your application we will supply your personal information to mortgage and insurance companies who may perform further checks – we will ask your consent to share with a particular lender or insurer as part of the advice process and provide to you any declarations from them about the use of your data.
Identity checking services
We will check your identity through an electronic checking service should you proceed with any products through us.
Solicitors or other selected representatives
We may share your personal information with companies acting on your behalf such as solicitors or estate agents. We will ensure that we have your consent to do so before sharing information
Your Current charge holders
We may share information on our advice services or information on applications you are completing with other mortgage companies or insurers to your current charge holder in order to allow your new application to complete.
We may share your personal information with the police for the purposes of preventing or detecting a crime or fraud.
Legal Services and Partners
We may share your personal information with our legal services or solicitors if we are preparing or defending a legal claim.
The Financial Conduct Authority
We may share your personal information with our regulator to fulfil our regulatory requirements
The Financial Ombudsman
We may share your personal information with our Ombudsman to fulfil our regulatory requirements, for example to respond to or defend a complaint.
Places for People Group companies
We may share your information with shared service functions within the Places for People Group, such as for the purpose of assisting you to clear an equity loan. Places for People Group shared services comply with and process personal information within the same privacy standards and procedures.
We may share your information with service functions outside the Places for People Group, such as for the purpose of compliance assessments or where they provide a software system that we use. These companies are contracted to us and are obliged to process personal information within the same privacy standards and procedures.
Company mergers and takeovers
We may choose to sell, transfer, or merge parts of our business, or our assets.
During any such process, we may share your data with other parties involved. We’ll only do this if they agree to keep your data safe and private. If the change to our business happens, then other parties may use your data in the same way as set out in this notice
Where there is a high risk to your personal information we will complete a privacy assessment before we share personal information to make sure we protect privacy and comply with the law.
Sometimes we have a legal duty to provide personal information to other organisations, this is often because we need to give that data to the police, courts, local authorities or government bodies.
We may also share your personal information when we feel there’s a good reason that’s more important than protecting your privacy. This doesn’t happen often, but we may share your information:
If we’re worried about your physical safety or feel we need to take action to protect you from being harmed in other ways, we’ll discuss this with you and, if possible, get your permission to tell others about your situation before doing so.
For all of these reasons the risk must be serious before we can override your right to privacy.
We may still share your information if we believe the risk to others is serious enough to do so.
There may also be rare occasions when the risk to others is so great that we need to share information straight away.
If this is the case, we’ll make sure that we record what information we share and our reasons for doing so. We’ll let you know what we’ve done and why if we think it is safe to do so and will not cause harm, distress or further risks to you, our staff, other professionals and/or the public.
We store personal information both electronically and in paper form.
We implement security policies, processes and technical security solutions to protect the personal information we hold from:
We’ll do what we can to make sure we hold records about you (on paper and electronically) in a secure way, and we’ll only make them available to those who have a right to see them. Examples of our security include:
When you contact us, we may ask you to provide us with some information so that we can confirm your identity. If other people (e.g. family members, support workers, solicitors) act on your behalf we will take steps to ensure that you have agreed for them to do so. This may include asking them to provide us with supporting information to indicate your consent. We do this to protect you and to make sure that other people cannot find things out about you that they are not entitled to know.
Employees and third parties who have access to, or are associated with the processing of, your personal information are obliged to make reasonable efforts to safeguard it.
Where in the world is your information?
The majority of personal information is stored on systems in the UK. But there may be some occasions as our technology services progress where your information may leave the UK either in order to get to another organisation or if it’s stored in a system outside of the EU.
We will always have additional protections on your information if it leaves the UK ranging from secure ways of transferring data to ensuring we have a robust contract in place with that third party.
We’ll take all practical steps to make your personal information is not sent to a country that is not seen as ‘safe’ either by the UK or EU Governments.
We will only keep your personal information as long as necessary. How long that is depends on the type of data and what work we have carried out. In most cases, your personal data will be stored for an indefinite period as we need to keep evidence that we have fulfilled our legal and regulatory requirements.
You can ask us for a copy of our retention periods by contacting us at firstname.lastname@example.org
The law gives you a number of rights to control what personal information is used by us and how it is used by us.
You can ask for access to the information we hold on you
You have the right to ask for the information we have about you. When we receive a request from you in writing, we must give you access to what personal information we’ve recorded about you.
However, we can’t let you see any parts of a record which contain:
This applies to personal information that is in both paper and electronic records. If you ask us, we’ll also let others see your record (except if one of the points above applies).
A request for personal information can be made via email or in writing. This is known as a subject access request. In order to make a subject access request you will need to provide the following information:
What types of documents could I submit as proof of ID?
You can write to us at the following address:
Places for People Mortgage Advice
Data Protection Request
South Rings Business Park
18 Craven Drive
Alternatively email us at email@example.com. (Please ensure you attach your identity documents with the document reference numbers removed).
We will not start your subject access request until we are satisfied that you have provided us with enough information for us to identify you.
Once you have made a request you will receive an acknowledgement and your request should be answered within one month. In certain circumstances, we are allowed to take longer but we will tell you if we feel we may need longer without undue delay from when we receive your request.
If you can’t ask for your records in writing, we’ll make sure there are other ways that you can. If you have any queries about access to your information please call us on 0800 0223 663 our opening hours are Monday/Wednesday/Friday 8:30 to 16:30 and Tuesday and Thursday 8:30 to 18:30. Calls may be recorded for training and monitoring purposes.
You can ask to change information you think is inaccurate
You should let us know if you disagree with something we may have recorded about you.
We may not always be able to change or remove that information but we’ll correct factual inaccuracies and may include your comments in the record to show that you disagree with it.
Please email us at firstname.lastname@example.org or call 0800 0223 663 to discuss our opening hours are Monday/Wednesday/Friday 8:30 to 16:30 and Tuesday and Thursday 8:30 to 18:30. Calls may be recorded for training and monitoring purposes.
You can ask to delete information (right to erasure)
In some circumstances you can ask for your personal information to be deleted, for example:
Where your personal information has been shared with others, we’ll do what we can to make sure those using your personal information comply with your request for erasure.
Please note that we can’t delete your information where:
If we have provided you with advice or processed a transaction on your behalf, we will not normally be able to erase your personal data. This is because we are obliged to maintain records of our advice and transactions to meet our regulatory requirements and in case we need to exercise or defend legal claims in future
You can ask to limit what we use your personal data for
You have the right to ask us to restrict what we use your personal information for where:
We will assess whether you have a right to a restriction and where restriction of use has been granted, we’ll inform you before we carry on using your personal information.
Where possible we’ll seek to comply with your request, but we may need to hold or use information because we are required to by law or we have a legal basis to do so, such as a contract.
You can ask to have your information moved to another provider (data portability)
You have the right to ask for your personal information to be given back to you or another service provider of your choice in a commonly used format. This is called data portability.
However this only applies if we’re using your personal information with consent (not where we are processing your personal information for contractual, legitimate interests, legal obligations or vital interests as a legal basis) and if decisions were made by a computer and not a human being.
It’s likely that data portability won’t apply to most of the services you receive from Places for People Mortgage Advice.
Right to understand Automated Decisions made about you
We will not be making decisions on you via automated decisions however the lender or insurer we apply to may do this. We will help direct you towards their processes and procedures should you wish to question any decision they make.
If and when your personal information is used by us to profile you, in order to deliver the most appropriate service to you, you will be informed.
If you have concerns regarding automated decision making, or profiling, please contact the Data Protection Officer at email@example.com who’ll be able to advise you about how we are using your information.
The Places for People Group takes responsibility to protect the personal information we hold about those with whom we work seriously. We are accountable for our processing and take necessary technical and operational steps to information security protections.
If you suspect your personal information or that of others may have been at risk of a data protection breach please tell us by using the breach notification link: Incident Reporting Portal.
The above link has been made available to everyone with whom we deal so that customers, employees and supply chain processors can tell us without undue delay of potential or actual breach.
If you would like further details on how we use your personal information or if you have any data protection queries, please write to:
The Data Protection Officer
HL Partnership Limited
67 High Street
Telephone: 01903 602664*
Facsimile: 01903 538852
*Telephone calls may be recorded and monitored for training and security purposes.
For independent advice about data protection, privacy and data sharing issues, you can contact the Information Commissioner’s Office (ICO) at:
Information Commissioner's Office
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number.