Policies

The information we collect

When you create an account and complete the ‘fact find’ form on our website, we collect the following information from you:

• Name, address and contact details;
• Employment details;
• Financial information such as banking details, salary, savings, and financial commitments; and
• Any other personally identifiable information necessary for the completion of a mortgage application.

In addition to the above, we collect information from you through your communications with us – for example:

• Identification and address verification;
• Payslips and contracts of employment;
• Self-assessment tax returns and tax year overviews;
• Bank statements;
• Your credit report.

We also collect information about your computer, including your browser type, your operating system, your device type and your IP address. We collect this information for site optimisation and product and service improvements.

We may also collect personal information from you over the telephone for mortgage or life insurance purposes. We may record telephone calls for training and monitoring purposes.

GDPR

The GDPR provides the following rights for individuals:

1. The right to be informed
2. The right of access
3. The right to rectification
4. The right to erasure
5. The right to restrict processing
6. The right to data portability
7. The right to object
8. Rights in relation to automated decision making and profiling

Marketing communications

If you have changed your mind about receiving marketing from us, you can opt out at any time by clicking the unsubscribe button or the link at the bottom of any of our marketing emails. Alternatively, you can email us at unsubscribe@yourprosperity.com.

Marketing and feedback

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

In addition, we value all the feedback that our customers provide to help us build our business and improve our product. If you leave us a review, we may contact you to ask you if you would like to publicise your review or to offer you follow up assistance with any difficulties encountered. We may also follow up to for feedback or to ask if you are willing to contribute to marketing material.

Promotional offers from us

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You’ll receive marketing communications from us if you’ve requested information from us or used our services, or if you provided us with your details when you created an account and, in each case, you’ve opted to receive that form of marketing.

Third-party marketing

We’ll get your express opt-in consent before we share your personal data with any company outside Your Prosperity for the third party’s marketing purposes.

Opting out

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you, or by Contacting us at any time.

Where you opt out of receiving these marketing messages, this won’t apply to personal data provided to us as a result of a product transaction.

Data security

More information on how we work hard to keep your data secure

We understand how important it is to keep your personal data secure, and have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we’re legally required to do so.

How to find out more

Your lender will have their own separate privacy policy, for more information on how they handle your personal information please refer to them directly.

If you wish, you can contact the CRAs directly. The information they each hold about you may not be the same, so it is worth contacting them all. You should check with them if a fee is payable for this information.

• Call Credit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414.
• Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk.
• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk.