General Data Policy
Privacy Policy
Who we are
Westexe Mortgage Solutions Limited. Registered Office: 25 Okehampton Street, Exeter, England, EX4 1DY. Registered in England Number: 06821202
Known in this document as “Westexe Mortgages”, “we” and “us”
As the controller of your data, Westexe Mortgages comply with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). This Privacy Policy details how Westexe Mortgages processes your personal data.
The personal data we collect about you
Personal data collected, used, stored and transferred by us may include:
* Identity Data including forenames, last name, maiden name, date of birth, gender, marital status, and username or similar identifier
* Contact Data including home address, email address and telephone numbers
* Financial Data including banks statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets
* Special Category Data specifically medical history
* Transaction Data including payments made for products and services you have purchased from us
* Technical Data including internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices used to access Westexe Mortgages website
* Profile and Usage Data including purchases made by you, feedback and survey responses, and how you use our website, products and services
* Marketing and Communications Data including your preferences in receiving marketing from us and our business partners and your communication preferences
How do we collect your personal data?
Personal data is collected by us using the following methods:
* Direct interactions with an adviser in person, by post, phone (including call recordings and voicemail), email, videoconferencing or otherwise when sourcing and applying for mortgage or protection products, processing Identity, Contact and Financial categories of personal data.
* Automated technologies or technical interactions with our website, via the customer portal, by using the web enquiry form or the Find A Mortgage function, processing Identity, Contact, Financial and Technical categories of personal data.
* Third parties or publicly available sources (processing Identity, Contact and Financial categories of personal data) such as:
*- Estate agents with whom you may be interacting, but only with your consent;
*- New home builders, as a legitimate interest of the builder in order to assess affordability for the property;
*- Enquiries you may perform on third-party mortgage sourcing websites.
How do we use your personal data?
Purpose / Activity
Type(s) of data
Lawful basis for processing
To initially engage with you to discuss your requirements
* Identity
* Contact
Consent
To process and deliver your application for a mortgage or protection product
* Identity
* Contact
* Financial
* Special Category
* Transaction
* Marketing and comms
Performance of a contract with you
To comply with a legal obligation
Necessary for our legitimate interest (to recover debts due to us)
To manage our client relationship with you which will include:
* Create and maintain access to your customer portal account
* Notifying you about changes to our terms or privacy policy
* Customer reviews / surveys
* Re-engagement when existing products nears expiry / review protection needs
* Identity
* Contact
* Profile and usage
* Marketing and comms
Performance of a contract with you
To comply with a legal obligation
Necessary for our legitimate interest (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards)
To respond to case enquiries and input to & defend against complaints
* Identity
* Contact
* Profile and usage
* Transaction
* Marketing and comms
To comply with a legal obligation
Necessary for our legitimate interest (to ensure that complains can be responded to accurately)
To perform an affordability check for a property on behalf of an Estate Agent or New Home Builder
* Identity
* Contact
* Financial
* Profile and usage
Necessary for our legitimate interests and of the New Home Builder / Estate Agent (to ensure that a property is affordable before proceeding with the purchase process)
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
* Identity
* Contact
* Technical
To comply with a legal obligation
Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you
* Identity
* Contact
* Profile and usage
* Marketing and comms
* Technical
Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics and other systems including AI and automated decision-making to improve our website, products/services, marketing, customer relationships and experiences
* Identity
* Contact
* Financial
* Special Category
* Technical
* Profile and usage
Consent/Explicit Consent
Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business, and to inform our re-engagement and marketing strategy)
Change of purpose
We will only use your personal data for the purposes stated above, unless we reasonably consider that we need to use it for another reason and it is compatible with the original purpose. Please contact us for an explanation as to how any new processing compatible with the original purpose.
If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Changes to our privacy notice
We keep our Privacy Notice under regular review. The Privacy Notice was last updated on 23rd September 2024. Historic versions can be obtained by contacting us.
Use of AI and automated decision making
We may use your data in AI and automated decision-making systems for re-engagement purposes as a legitimate interest to review your existing mortgage and source suitable new products. If you do not wish your data to be used by such systems, please notify us at darren@westexe-mortgages.co.uk
Marketing communications
You will also have the choice to opt-in to receiving other related marketing information and related products and services.
You can opt-out of receiving these types of communications at any time by contacting our Compliance team at stacey@westexe-mortgages.co.uk or by clicking on the relevant link in email communications you receive from us.