Privacy Policy

Protecting your personal information

At Carrington Carr Home Finance we understand that you may have concerns about how your information is handled. In view of this, and to ensure our compliance with current legislation and best practices, we have established personal information policies that govern our handling of your personal information.

The Data Protection Act 1998

The Data Protection Act sets out enforceable rules referred to as the Data Protection Principles, which prescribe the required conduct for the lawful management of personal information. The first principle states that information must be processed fairly and lawfully, meaning that you are entitled to know how we use any information you provide.

How we use your personal information

The personal information provided by you will be held by us on our files and electronic database to enable us to carry out our services to you. In the interests of providing you with a superior client service it is essential that the information we hold about you is accurate and so we would ask all clients to notify us of any changes to the information held on our records, a change of address for instance.

If we submit an application for a financial product or service on your behalf, we will have to pass your details to the provider of that financial product or service and therefore your information will be subject to the personal information policies of that provider. Unless you have indicated otherwise, we may use information about you to give you details of other products and services, by post or telephone, provided exclusively by carefully selected third party companies. If you wish to exercise your right to opt out you can write to the Designated Data Controller at Carrington Carr Home Finance Limited, Reynard House, 37 Welford Road, Leicester, LE2 7AD, or email dataprotection@cchfl.com

Personal information may only be disclosed with individual consent, or if we are required to do so by law. In delivering a superior client service, it is necessary in certain instances to pass information to selected external providers so that they can provide a particular service for us, such as address validation. To work with us, these providers must commit to protect the personal information we share with them.

Your information rights under The Data Protection Act

Under the Data Protection Act you have the right to receive details of the information held by our Company about you, although we may charge an appropriate administration fee. You also have the right to require us to correct any inaccurate information we hold about you.

Sensitive personal information

Personal information is regarded by the Data Protection Act as sensitive if it relates to racial or ethnic origin, political opinions, trade union membership, religious beliefs, physical or mental health, sexual life, criminal convictions and details of offences committed or alleged to have been committed. In instances such as your application for a mortgage, health or life insurance, you may be required to provide ‘sensitive’ information. We will only use this information in the context of the service you require.

Client confidentiality

We will treat all your personal information as private and confidential (even when you are no longer a client). All employees of our Company are bound to our personal information policies and we provide ongoing training and education to all employees to ensure a complete understanding of their obligations. Our personal information policies are regularly reviewed to ensure compliance with current legislation and best practices.

Security

We protect your personal information by having procedures to limit who has access to personal information and by using a variety of methods, from secure servers to other technologies to safeguard it. Personal information stays securely with us or our affiliated companies and with selected external providers.

Money laundering and statutory obligations

As part of an application process, by law we have to confirm your identity. This is to comply with money laundering regulations which help to stop criminals using financial products or services to hide money made from their illegal activities from the authorities. Some Acts of Parliament oblige us to disclose information about our customers to certain bodies with statutory powers. For example, upon request, we must disclose client personal information to our Company’s Principal, Legal & General Partnership Services Limited, and to the Financial Services Authority.

Electronic communications

If you send us an e-mail, or give us your e-mail address, we will keep a record of it. If you expressly consent, we may use it to contact you occasionally about other products and services which we feel might interest you. Given that an e-mail message is sent through a number of computers over which we have no control you need to be aware that any message you send to us or we send to you may not be secure, any data contained therein may be intercepted by or otherwise become available to a third party. If you do send us an e-mail, please do not include any confidential information unless encrypted, we will do likewise.

Telephone calls

We may record telephone conversations to offer you additional security, resolve complaints and improve our service. Conversations may also be monitored for staff training purposes.

For more information about our obligations and your rights under the Data Protection Act, visit the Information Commissioner’s website at: www.ico.gov.uk