This is the privacy notice of Hansard Owens Bridging and Commercial Limited (HOB&C Ltd).

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In this document, "we" or "us" refers to HO B&C Ltd.

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HOB&C Ltd is registered in England and Wales under company number 17228619.

Registered office: The Maylands Building, Maylands Avenue, Hemel Hempstead Industrial Estate, Hemel Hempstead, England, HP2 7TG.

ICO registration ZC151789 and you can check via www.ico.org.uk.

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HOBC Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.

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We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee and percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

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Privacy Notice

Who we are

Hansard Owens Bridging and Commercial Ltd is a firm registered in England & Wales under registration – 17228619. Registered Office – The Maylands Building Maylands Avenue, Hemel Hempstead Industrial Estate, Hemel Hempstead, England, HP2 7TG.

Our ICO number is ZC151789


What data do we collect?

Our Company collects the following data:

- Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
- Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
- Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
- Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
- Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these


How do we collect your data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.


Special Category Data

In the course of your interactions with Hansard Owens Bridging and Commercial Ltd you may share information that is classified as 'Special Category Data'. This could include data about:

- Race
- Ethnic origin
- Politics
- Religion
- Trade union membership
- Genetics
- Biometrics
- Health
- Sex life
- Sexual orientation

Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability Hansard Owens Bridging and Commercial Ltd will always seek explicit consent from you to store and process such information.


How will we use your data?

Our Company collects your data so that we can:

- Process your application and manage your request.
- Email you with special offers on other products and services we think you might like.
- To monitor the performance of our products and services to ensure consumer outcomes are being achieved

Purpose: To initially engage with you to discuss your requirements
Type(s) of data: Identity, Contact
Lawful basis for processing: Consent; Necessary for our legitimate interests

Purpose: To source products, provide indicative quotes, and process & deliver your application for a mortgage or protection product
Type(s) of data: Identity, Contact, Financial, Transaction, Marketing & Comms, Special Category
Lawful basis for processing: Performance of a contract with you; To comply with a legal obligation; Necessary for our legitimate interests (to recover debts due to us); Explicit Consent

Purpose: To manage our relationship with you which will include:
– Notifying you about changes to our terms or privacy policy
– Customer reviews / surveys
– Re-engagement when existing products nears expiry / review protection needs
Type(s) of data: Identity, Contact, Profile & Usage, Marketing & Comms
Lawful basis for processing: Performance of a contract with you; To comply with a legal obligation; Necessary for our legitimate Interests (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards)

Purpose: To respond to case enquiries and input to & defend against complaints
Type(s) of data: Identity, Contact, Profile & Usage, Transaction, Marketing & Comms, Special Category
Lawful basis for processing: To comply with a legal obligation; Necessary for our legitimate interests (to ensure that complaints can be responded to accurately); Legal Claims & Judicial Acts

Purpose: To perform an affordability check for a property on behalf of an Estate Agent or New Home Builder
Type(s) of data: Identity, Contact, Financial, Profile & Usage
Lawful basis for processing: 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)

Purpose: To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
Type(s) of data: Identity, Contact, Technical
Lawful basis for processing: 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)

Purpose: To use data analytics to improve our website, products/services, marketing, customer relationships and experiences
Type(s) of data: Technical, Profile & Usage
Lawful basis for processing: Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy)


Lawful Basis for Processing Data

If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.

Lenders and protection product suppliers
To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicing of these contracts.

External suppliers
Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Hansard Owens Bridging and Commercial Ltd

Solicitors / Conveyancers
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit.

Estate agents / new home builders
To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application.

Licensed Credit Agencies
For the purposes of confirming your identity to comply with Anti Money Laundering requirements to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders Decision In Principle; and to perform a credit assessment with your consent as part of a full application.

Regulators
Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.

Others
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice

When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.


How do we store your data?

We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.

Successful mortgage / protection applications
Retention: For the full mortgage or protection policy term – six years from the date the application completes.

Withdrawn, stalled, incomplete and failed mortgage/ protection applications
Retention: 2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued

Affordability assessments for new build property
Retention: 2 years from Decision In Principle if affordability check does not proceed to a full mortgage application

Enquiry data obtained from third parties (Estate Agents, websites) that do not result in an application for a mortgage / protection product
Retention: 2 years from the date the lead was received from the Introducer


Marketing

Hansard Owens Bridging and Commercial Ltd understands that with the introduction of the Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customer throughout the lifecycle of the relationship.

Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies.

You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other members of the Our Company Group.


What are your data protection rights?

Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.

The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to Our Company's processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that Our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.

The right in relation to automated decision making and profiling – this allows individuals to object to their data being used in an automated individual decision-making process (making a decision solely by automated means without any human involvement) and profiling (automated processing of personal data to evaluate certain things about an individual). Profiling can be part of an automated decision-making process.


How to contact us

If you have any questions about Our Company's Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.

Call us on: 0204 591 0195

Or write to us:

Email
so@hansardowensbandc.co.uk
mh@hansardowensbandc.co.uk

Post
The Maylands Building Maylands Avenue, Hemel Hempstead Industrial Estate, Hemel Hempstead, England, HP2 7TG


How to make a complaint and contact the appropriate authority

If you are unhappy about how your personal data has been used by us, please contact us and we will be happy to register a complaint.

You also have a right to complain to the Information Commissioner's Office which regulates the processing of personal data. You can contact them at Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, on 0303 123 1113 or by email to casework@ico.org.uk. See also https://ico.org.uk/global/contact-us/.