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Our Privacy Policy – your rights, information and how we use it.
Amanda Law Mortgages is committed to protecting your personal information.
Our Privacy Policy contains important information about what personal details we collect; what we do with that information; who we may share it with and why; and your choices and rights when it comes to the personal information you have given us.
We may need to make changes to our Privacy Policy, so please check our website for updates from time to time. If there are important changes such as changes to where your personal data will be processed, we will contact you to let you know.
This version of our Privacy Policy was last updated on the 15th of July 2024.
Who we are.
Amanda Law Mortgages is a trading style of Aberdein Considine which is authorised and regulated by the Financial Conduct Authority. Aberdein Considine & Company is a Partnership established under the Law of Scotland with a Head Office situated at 5 – 7 Bon Accord Crescent. Aberdeen, AB11 6DN.
We are authorised and regulated by the Financial Conduct Authority (FCA), 25 The North Colonnade, Canary Wharf, London, E14 5HS. Our Financial Services Registers number is 142693. Our permitted business is advising on and arranging pensions, savings and investment products, non-investment insurance contracts and mortgages. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems- reporting/register or by contacting the FCA on 0800 111 6768.
How to contact us.
If you have any questions about our Privacy Policy or the information we collect or use about you, please contact:
Amanda Law
13 Balquharn Drive
Portlethen
AB12 4AG
Email: alaw@amandalaw-mortgages.com
Information we collect and use.
What information do we collect about you?
We collect information about you when you engage us for mortgage advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health if this is necessary for the provision of our services.
We may also collect information when you voluntarily complete client surveys or provide feedback to us.
We are committed to responsible management of personal information in accordance with the UK General Data Protection Regulations and Data Protection Act 2018 (https://www.legislation.gov.uk/ukpga/2018/12/contents/enacted and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
In order to receive certain information and to use certain services on this site, you will be asked to provide personal information about yourself such as your name, address, and email address.
When you provide this information to us, you consent to our use of that information in accordance with the terms of this Privacy Policy. This information will be used to provide you with the services that you have requested and to provide you with news and information about our products and services.
Amanda Law Mortgages as well as its business partners and its service companies may use your personal information together with other information for providing legal services, credit checks, money laundering, marketing, administration, and training.
Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We will use your information collected from the website to personalise your repeat visits to the site.
If you no longer want to receive such information just let us know by emailing us at alaw@amandalaw-mortgages.com and we will stop sending it.
Information about you that we collect, and use includes:
• Information about who you are - e.g., your name, date of birth and contact details.
• Information connected to your product or services with us – e.g., your bank account details.
• Information about your contact with us – e.g., meetings, phone calls, emails/letters.
• Information that is automatically collected – e.g., via cookies when you visit one of our websites.
• Information classified as ‘sensitive’ personal information – e.g., relating to your health, marital or civil partnership status. This information will only be collected and used where it’s needed to provide the product or services you have requested or to comply with our legal obligations.
• Information you may provide us about other people – e.g., joint applicants or proprietors or beneficiaries for products you have with us.
• Information on children – e.g., where a child is named as a beneficiary in a policy taken out. In these cases, we will collect and use only the information required to identify the child (such as their name, age, gender).
• We are committed to processing your data in a lawful, fair, and transparent manner.
What are cookies?
Some websites use cookies which are text only strings of information that the website you are visiting transfers to the cookie file of the browser on your computer. Their purpose is to identify users and to enhance the user’s experience by customising web pages. A cookie will usually contain the name of the domain from which the cookie has come, an expiry date for the cookie, and a value, which is usually a random generated unique number.
The Website also uses cookies to enable us to provide features such as remembering certain information about you and your preferences so that we and they can deliver targeted advertisements which will be of most interest to you. Cookies can be deleted from your hard drive, or you can configure your web browser so that it rejects cookies. To learn more about cookies and how to reject them, visit http://www.aboutcookies.org. Rejection of cookies will not prevent you from using most of the features on the Website. If you experience any problems having deleted cookies, you should contact the supplier of your web browser.
Information about connected individuals.
We may need to gather personal information about your close family members and dependants in order to provide our service to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We will provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them.
Why do we need to collect and use your personal data?
We must have a lawful basis to process your personal data. Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:
Under the UK GDPR, there are 6 legal bases for processing personal data – in this template we include the legal bases likely to be relevant to threesixty clients. Select all those that apply and amend the wording as appropriate.
We have a contractual obligation.
This is the primary legal basis that we intend to use for processing your data. The personal information that we collect about you is essential for us to be able to effectively carry out the services that we have agreed to deliver to you.
We have a legal obligation.
Sometimes, collecting personal data is needed to meet our legal and regulatory obligations. For example, UK anti money laundering legislation may require us to collect personal information to verify your identity.
We will obtain your consent.
Special category data, such as that relating to health matters, is often required to provide our services. When this is required, we’ll obtain your explicit consent to collect and process this information.
From time to time, we may wish to contact you to offer additional products or services which may be of interest to you. To do this, we will obtain your consent.
You may withdraw your consent at any time by notifying us at our main business address.
We have a legitimate interest.
We rely on legitimate interest to retain relevant data for the purposes of assessing the appropriateness of our services, defending future complaints, and meeting our Professional Indemnity Insurer’s expectations.
Where we collect your information.
We may collect your personal information directly from you, from a variety of sources, including:
• an application form for a product or service.
• phone conversation with us.
• emails or letters you send to us.
• our online services such as websites, social media, and mobile device application (‘Apps’).
We may also collect personal information on you from places such as business directories and other publicly available sources – e.g., to check or improve the information we hold (like your address) or to give better contact information if we are unable to contact you directly.
We take your privacy seriously and we will only ever collect and use information which is personal to you where it is necessary, fair, and lawful to do so.
We will collect and use your information only where:
• you have given us your permission [consent] to send you information about products and services offered by us and/or selected third parties we have chosen to work with which we believe may be of interest and benefit to you.
• it’s necessary to provide the product or service you have requested – e.g., if you wish to invest in one of our mortgage, pension, or savings products, if you wish to market your property through us, we will require some personal information including your name, address, date of birth, bank account details.
• it’s necessary for us to meet our legal or regulatory obligations – e.g., to send you Annual Statements, tell you about changes to Terms and Conditions or for the detection and prevention of fraud and anti-money laundering.
If you do not wish us to collect and use your personal information in these ways, it may mean that we will be unable to provide you with our products and services.
Who we may share your information with.
We may share your information with third parties. These third parties include:
• departments within Aberdein Considine.
• companies we have chosen to support us in the delivery of the products and services we offer to you and other clients – e.g., research, consultancy, or technology companies; or companies who can help us in our contact with you, for example an internet service provider.
• our regulators and any Supervisory Authority – e.g., the Financial Conduct Authority (FCA).
• law enforcement, credit and identity check agencies for the prevention and detection of crime.
We will never sell your details to someone else. Whenever we share your personal information, we will do so in line with our obligations to keep your information safe and secure.
Where information is processed.
The majority of your information is processed in the UK and European Economic Area (EEA).
How we protect your information.
We take information and system security very seriously and we strive to comply with our obligations at all times. Any personal information which is collected, recorded, or used in any way, whether on paper, online or any other media, will have appropriate safeguards applied in line with our data protection obligations.
Your information is protected by controls designed to minimise loss or damage through accident, negligence, or deliberate actions. Our employees also protect sensitive or confidential information when storing or transmitting information electronically and must undertake annual training on this.
How long we keep your information.
During the course of our relationship with you, we will retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.
We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally:
• Three years for mortgage business.
• Three years for insurance business.
These are minimum periods, during which we have a legal obligation to retain your records.
We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so. In any case, we will not keep your personal data for longer than 6 years after our relationship with you has ended. We may also keep your information after this period but only where required to meet our legal or regulatory obligations. The length of time we keep your information for these purposes will vary depending on the obligations we need to meet.
How can I access the information you hold about me?
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us using the contact details noted below.
When your personal data is processed by automated means, you have the right to ask us to move your personal data to another organisation for their use.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
Your individual rights.
You have several rights in relation to how Amanda Law Mortgages uses your information. They are:
• Right to be informed – You have a right to receive clear and easy to understand information on what personal information we have, why and who we share it with.
• Right of access – You have the right of access to your personal information; you may make a Data Subject Access Request (DSAR).
• Right to request that your personal information be rectified, you can request that it is corrected.
• Right to erasure – You can ask for your information to be deleted or removed if there is not a compelling reason to continue to have it.
How to make a complaint.
We will always strive to collect, use, and safeguard your personal information in line with data protection laws. If you are unhappy with any aspect of our services, we encourage you to contact us as soon as possible. We will do our best to resolve your concerns.
What can you do if you are unhappy with how your personal data is processed?
You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Changes to our privacy policy.
We keep our privacy policy under regular review, and we will place any updates on this web page (and / or) inform you of any changes when they occur. This privacy policy was last updated on 29/04/2024.
How to contact us.
Please contact us if you have any questions about our privacy policy or information, we hold about you: by email at alaw@amandalaw-mortgages.com.
Or write to us at:
Amanda Law
13 Balquharn Drive
Portlethen
AB12 4AG
If you are unhappy with our advice or any aspect of our services, we encourage you to contact us as soon as possible. We will do our best to resolve your concerns.
• Telephone: 0333 0044 333
• Email: ask@acandco.com
• In writing: Jennifer Paice, Aberdein Considine, 5-7 Bon Accord Crescent, Aberdeen, AB11 6DN
Your complaint will be acknowledged within five working days and normally, after a full investigation, you will receive a detailed response within a further ten working days.
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