Milicja Ltd t/a Milicja Mortgages Privacy Policy
Our contact details:
Name: Milicja Ltd t/a Milicja Mortgages
Address: 30 Shaw Avenue, Normanton, England, WF6 2TT.
Phone Number: 07542929505
E-mail: michal@milicja.org
The type of personal information we collect:
We currently collect and process the following information:
· Title and name
· Date of birth
· Address, email address and telephone number
· Employment details
· Monthly income and expenditure
· Adverse credit information.
How we get the personal information and why we have it
Most of the personal information we process is provided to us directly by you for one of the following reasons:
· To provide our service
· To provide access to the product you have requested.
We also receive personal information indirectly, from the following sources in the following scenarios:
· Credit reference agencies – it may be necessary for us to obtain your credit report with your permission in order for us to source a suitable solution.
We use the information that you have given us in order to:
· Source an appropriate product
· Submit an application to the lender or insurer
· Administer your account
· Support any subsequent enquiries from you
· Send you communications you have consented to.
We may share this information with:
· Lenders and/or Insurers
· Credit reference agencies
· Our principal firm (Financial Makeover Ltd)
· Our customer management system provider (360 Dotnet)
· Fraud prevention agencies.
Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:
· Your consent. You are able to remove your consent at any time. You can do this by contacting us using the details at the start of this policy
· We have a contractual obligation.
How we store your personal information
Your information is securely stored within our customer management system supplied by 360 Dotnet which is ISO27001 accredited.
We keep all necessary personal data relating to a quotation or unsuccessful application for no longer than one calendar year.
If you successfully arrange a product, we will retain all necessary personal data for the term of the product (or longer if requested to do so by the regulator).
After this period, all personal data will be deleted and/or anonymised to assist in business analysis.
Your data protection rights
Under data protection law, you have rights including:
Your right of access - You have the right to ask us for copies of your personal information.
Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.
Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.
Your right to object to processing - You have the the right to object to the processing of your personal information in certain circumstances.
Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.
You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.
Please contact us using the details at the start of this policy if you wish to make a request.
How to complain
If you have any concerns about our use of your personal information, you can make a complaint to us using the contact details at the start of this policy.
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk