This is the privacy notice of 3mc (UK) Limited. In this policy, "we", "our", or "user" refer to 3mc (UK) Limited.
3mc (UK) Limited (FCA Registered number 302992 and companies house register number, 03547703) whose registered office is 3 St Georges Court, Altrincham Business Park, Altrincham, WA14 5UA is committed to complying with the data protection laws in the United Kingdom, and we reference the following legislation:
General Data Protection Regulation 2018 (Regulation (EU) 2016/679)
This is a notice to inform you of our policy about all the information that we record about you or your client. It sets out the conditions under which we may process any information that we collect from you, or that you provide to us. It covers information that could identify you, or your client, (“personal information”) and information that could not. In the context of the law and this notice, “process” means collect, store, transfer, use or otherwise act on information.
If there are one or more points below with which you do not agree with or are not happy, you should leave our website immediately.
We take seriously the protection of your, and your clients, privacy and confidentiality. We understand that all visitors to our website are entitled to know that their personal data will not be used for any purpose unintended by them and will not accidentally fall into the hands of a third party. (You should make your client/s aware of this privacy notice – providing a copy as necessary - and explain how you will be using the 3mc online services, and website to your clients. You should also have your clients express consent to act as their agent and submit their personal information for the processing their mortgage – please refer to 3mc’s Terms and Conditions for more information).
We undertake to preserve the confidentiality of all information you provide to us and expect that you reciprocate. Our policy complies with UK law accordingly implemented, including that required by the EU General Data Protection Regulation (GDPR).
The law requires us to tell you about your rights and our obligations to you in regard to the processing and control of you and your clients' personal data. We do this now, by requesting that you read the information provided at www.knowyourprivacyrights.org
Except as set out below, we do not share, or sell, or disclose to a third party, any information collected through our website.
THE BASIS ON WHICH WE PROCESS INFORMATION ABOUT YOU
The law requires us to determine under which of six defined bases we process different categories of your personal information and to notify you of the basis for each category. You should also have your own privacy statement to explain the same to your client/s.
If a basis on which we process your clients’ personal information is no longer relevant then we shall immediately stop processing their data.
If the basis changes then if required by law we shall notify you of the change and of any new basis under which we have determined that we can continue to process their information. 1. Information we process because we have a contractual obligation
When you/we create an account on our website, buy a product or service from us, or otherwise agree to our terms and conditions, a contract is formed between you and us, and in turn between you and your client/s.
In order to carry out our obligations under that contract, we must process the information you give us. Some of this information may be personal information.
We may use it in order to: • 1.1 Verify your clients' identity for security purposes • 1.2 Sell products to you • 1.3 Provide you with our services • 1.4 Provide you with suggestions and potential options on products, services and how to obtain the most from using our website We process this information on the basis there is a contract between us, or that you have requested we use the information before we enter into a legal contract. Additionally, we may aggregate this information in a general way and use it to provide class information, for example, to monitor our performance with respect to a service we provide. If we use it for this purpose, you or your client, as an individual/s will not be personally identifiable.
We shall continue to process this information until the contract between us ends or is terminated by either party under the terms of the contract.
2. Information we process with your consent
You may withdraw your consent at any time by instructing us at firstname.lastname@example.org However, if you do so, you may not be able to use our website or our services further.
3. Information we process because we have a legal obligation.
We are subject to the law like everyone else. Sometimes, we must process your or your clients' information in order to comply with a statutory obligation. For example, we may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
This may include your or your clients’ personal information.
4. Information provided on the understanding that it will be shared with a third party
Our website allows you to post information with a view to that information being read, copied, downloaded, or used by other people. Examples include:
4.1 Posting a message on our forum
4.2 Tagging an image
4.3 Clicking on an icon next to another visitor’s message to convey your agreement, disagreement, or thanks
In posting personal information, it is up to you to satisfy yourself about the privacy level of every person who might use it. We do not specifically use this information except to allow it to be displayed or shared. We do store it, and we reserve a right to use it in the future in any way we decide. Once your information enters the public domain, we have no control over what any individual third party may do with it. We accept no responsibility for their actions at any time.
Provided your request is reasonable and there is no Legal or Regulatory basis for us to retain it, then at our discretion, we may agree to your request to delete personal information that you have posted. You can make a request by contacting us at email@example.com
5. Complaints regarding content on our website
If you complain about any of the content on our website, we shall investigate your complaint. If we feel it is justified or if we believe the law requires us to do so, we shall remove the content while we investigate. Free speech is a fundamental right, so we have to make a judgment as to whose right will be obstructed: yours, or that of the person who posted the content that offends you.
If we think your complaint is vexatious or without any basis, we shall not correspond with you about it.
6. Information relating to your method of payment
We store information about your clients’ debit or credit card or other means of payment when you first provide it to us - with the express consent of your client.
We automatically delete the payment information once all fees have been taken and the payment information is no longer required for the agreed service being provided. (You will be provided with details of any fees before you undertake to use 3mc – it is your responsibility to advise your client/s and obtain their consent, as per our terms and conditions of business).
7. Information about your direct debit
When you agree to set up a direct debit arrangement, the information you give to us is passed to the Lending organisation for processing according to our instructions. We do keep a copy.
8. Job application and employment
If you send us information in connection with a job application, we may keep it for up to three years in case we decide to contact you at a later date. If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for five years before destroying or deleting it.
9. Sending a message to our support team
When you contact us, whether by telephone, through our website or by e-mail, we collect the data you have given to us in order to reply with the information you need. We record your request and our reply in order to increase the efficiency of our business. We keep personally identifiable information associated with your messages, such as your name and email address so as to be able to track our communications with you to provide a high-quality service.
When we receive a complaint, we record all the information you have given to us. We use that information to resolve your complaint. We may also compile statistics showing information obtained from this source to assess the level of service we provide, but not in a way that could identify you or any other person. 3mc will follow their formal complaint handling process.
USE OF INFORMATION WE COLLECT THROUGH AUTOMATED SYSTEMS WHEN YOU VISIT OUR WEBSITE
11.1 To track how you use our website
11.2 To record whether you have seen specific messages we display on our website
11.3 To keep you signed in on our site
11.4 To record your answers to surveys and questionnaires on our site while you complete them
11.5 To record the conversation thread during a live chat with our support team
12. Personal identifiers from your browsing activity
Requests by your web browser to our servers for web pages and other content on our website are recorded.
We record information such as your geographical location, your Internet service provider and your IP address. We also record information about the software you are using to browse our websites, such as the type of computer or device and the screen resolution.
We use this information in aggregate to assess the popularity of the web pages on our website and how we perform in providing content to you.
If combined with other information we know about you from previous visits, the data possibly could be used to identify you personally, even if you are not signed in to our website.
13. Our use of re-marketing
DISCLOSURE AND SHARING OF YOUR INFORMATION
14. Information we obtain from third parties
Although we do not disclose your, or your clients’, personal information to any third party (except as set out in this notice), we sometimes receive data that is indirectly made up from your personal information from third parties whose services we use.
15. Credit reference
To assist in combating fraud, we share information with credit reference agencies, so far as it relates to clients or customers who instruct their credit card issuer to cancel payment to us without having first provided an acceptable reason to us and given us the opportunity to refund their money.
16. Data may be processed outside the European Union
Our websites are hosted in England. Accordingly, data obtained within the UK or any other country could be processed outside the European Union. We use the following safeguards with respect to data transferred outside the European Union: • 16.1 Both our organisation and the processor are public authorities between whom there is either a legally binding agreement or administrative arrangements approved by a supervisory authority in the European Union relating to the protection of your information
ACCESS TO YOUR OWN INFORMATION
17. Access to your personal information
17.1 At any time you may review or update personally identifiable information that we hold about you, by signing in to your account on our website. 17.2 To obtain a copy of any information that is not provided on our website you may send us a request at firstname.lastname@example.org
17.3 After receiving the request, we will tell you when we expect to provide you with the information, and (in certain situations) whether we require any fee for providing it to you.
18. Removal of your information
If you wish us to remove personally identifiable information from our website, you may contact us at email@example.com This may limit the service we can provide to you.
Note – It may be necessary to retain certain information where it is required for Regulatory purposes (for example as required by the Financial Conduct Authority).
19. Verification of your information
When we receive any request to access, edit or delete personally identifiable information we shall first take reasonable steps to verify your identity before granting you access or otherwise taking any action. This is important to safeguard your information.
20. Use of site by children
20.1. We do not sell products or provide services for purchase by children, nor do we market to children.
21. Encryption of data sent between us
We use Secure Sockets Layer (SSL) certificates to verify our identity to your browser and to encrypt any data you give us. Whenever information is transferred between us, you can check that it is done so using SSL by looking for a closed padlock symbol or other trust marks in your browser’s URL bar or toolbar.
22. How you can complain about our policy
23. Retention period for personal data
Except as otherwise mentioned in this privacy notice, we keep your personal information only for as long as required by us: • 23.1 To provide you with the services you have requested; • 23.2 To comply with FCA Regulation, other law, including for the period demanded by our tax authorities; • 23.3 To support a claim or defence in court.
24. Compliance with the law
Please take the time to read our requirements in relation to your commitment to our firm when submitting mortgage enquiries on behalf of retail clients' or professional landlords. To enable us to accept such introductions we must ensure that you comply with the various pieces of legislation and the rules surrounding this regulated, or not, activity.
1. DEFINITIONS. In these Terms the following expressions shall have the following meanings where the context otherwise requires: • “Enquiry” or “Application” means any and all enquiries or applications for a Mortgage Product submitted by you on behalf of a client; • “Client” means the client (or clients where more than one client is applying) for whom you are processing the enquiry or application; • “GDPR” means General Data Protection Regulation – applicable from 25th May 2018. • “FCA” means the Financial Conduct Authority; • “Intellectual Property” means any patent, copyright, registered design, unregistered design right, trade mark or other industrial or intellectual property owned or used by us together with any current applications for any registrable items of the foregoing; • “Mortgage Products” means mortgage products used by the lenders approved on the panel by us; • “Payments” means any commission, charges or fees due to you from us in connection with applications; • “Services” means the services we provide to you in connection with Enquiries and Applications; • “Terms” means these terms of business as amended, supplemented or novated from time to time; • “You” means the broker using our services and who has confirmed electronically that they accept these Terms;
• “We”, “Us”, and “Our” means 3mc (UK) Limited registered in England and Wales (registered number 3547703). Registered Address: 3 St Georges Court, Altrincham Business Park, Altrincham, Cheshire, WA14 5UA.
2. THE RELATIONSHIP. 2.1. These Terms set out the basis on which we accept enquiries and applications from you and govern the provision and use of the services. By registering on 3mcView you agree to these Terms and Conditions of business. These terms supersede any previously issued terms of business between us and you. 2.2. We will only accept enquiries and applications if you are authorised by the appropriate regulator as evidenced by entry on the Financial Services Register and hold all other relevant consents, permissions, registrations or licences for the purpose of carrying out your business in accordance with these terms. 2.3. Notwithstanding Clause 2.2, We reserve the right at our sole discretion to decline all or any enquiries or applications and we are not required to give a reason for doing so. 2.4. We may report to the FCA/Principal Networks the basis on which business is conducted between you and your client. You acknowledge and accept that we will treat the business as being conducted on an “advised” basis unless you tell us otherwise when you submit the enquiry or application. 2.5. You are not and may not purport or hold yourself out to be our agent unless specifically authorised in writing by us. 2.6. You are presumed to act on behalf of the client throughout your relationship with us, as governed by these terms, unless and until such time as we are advised otherwise. 2.7 You are our customer and we will only transact or communicate with you, not the client. 2.8 Any client that is introduced to 3mc (UK) Limited as an enquiry or application, will be retained by you. As such 3mc (UK) Limited will not attempt to contact the client or offer any services to said client. This will be your responsibility as the advising broker.
3. YOUR DUTIES.
3.1. You warrant and represent that you: 3.1.1. will obtain the client’s authorisation to be their agent prior to submitting an application to us and you acknowledge that you may not submit applications without such authorisation from the client; 3.1.2. hold all relevant legal, regulatory, and other authorisations necessary for carrying out your business and for referring enquiries and applications to us; 3.1.3. otherwise conduct your business in accordance with the requirements of all relevant laws and regulations including without limit the FCA and/or PRA handbooks (and all regulations made thereunder) and any applicable guidance issued by the FCA from time to time and will not by your acts or omission do anything to cause us to be in breach of these regulations. 3.1.4. will act diligently and in good faith in all your dealings with us and the clients; and 3.2. You undertake: 3.2.1. that during completion of an enquiry/application, You will make the client aware of all declarations and statements that you make on your/their behalf and explain key information throughout the enquiry/application that will affect the client, and where necessary obtain the client’s consent to use of his/her information by us and lender(s) including but not limited to information in relation to the lenders use of their personal information and the effects of credit scoring and credit checks which may be undertaken by us in order to process an enquiry/application. 3.2.2. that you will maintain the confidentiality of any username and password used by you in our system, 3mcView. 3.2.3. to act honestly and professionally and to use all due skill and care when acting for the client, including (but not limited to) ensuring that the application is suitable for the client in cases where you advise on the same; 3.2.4. to use best endeavours to ensure that information provided to us is true, accurate and complete in all material respects. 3.2.5. to keep all details of clients up to date; 3.2.6. not to refer enquiries/applications to us as a direct or indirect consequence of the activities of any person who is not appropriately authorised or exempt from authorisation by any relevant regulatory authority. 3.2.7. that You will promptly notify Us of any material matters relating to your business (including without limitation any matters affecting any authorisations You hold) and will promptly provide us with any material information relating to your business which we reasonably request from time to time; and 3.2.8. that you will not seek to entice any of our employees (or agents) to enter into Your employment or agency during the term of this agreement or for a period of 12 months thereafter. 3.3. You agree to inform Us immediately in writing if: 3.3.1. You cease to act on behalf of a client; 3.3.2. any of your authorisations, registrations or permissions needed to conduct all or part of your business lawfully are not current or are believed to be in jeopardy or if You are the subject of any enforcement action by the FCA. 3.3.3. You become aware of any unauthorised use of any username or password; 3.3.4. You become aware or believe that any information provided in or as part of an application is or may become untrue or incomplete; or
3.3.5. You commit a material breach of any relevant laws or regulations or these Terms
4. DOCUMENTATION AND COMMUNICATION. 4.1. You will pass on immediately to us or the Client as applicable, without amendment (unless otherwise agreed by us), any documentation which is either supplied by us for the benefit of or completion by the client or provided by the client in relation to the application. You will advise us of all material facts known by or divulged to you in relation to business is undertaken or to be undertaken with Us. 4.2. You will pass on to us all the necessary information and independently verifiable evidence that the client needs to provide to enable us to assess affordability on behalf of the lender. 4.3. You will not produce or distribute any documentation (unless supplied by us for distribution) containing our name without prior written consent. 4.4. You will not sign or amend any documents on our behalf nor make any statements or promises or representations of any kind whether written or oral which bind or purport to bind us or the lender. You will not hold Yourself out as having authority to make any such representation.
4.5. 3mc (UK) Limited recommends that your clients should not instruct solicitors and incur costs until the case has been fully agreed by the lender in question.
5. PAYMENTS. 5.1. We will pay to you or your regulated Principal any payments due to you on the terms and at the rates set by us from time to time (see https://www.3-mc.com/procuration-fees/) or any other terms and rates separately agreed in writing between us and you. Unless we have agreed otherwise, we will make any payments into the designated account, details of which you have provided us with. A note of the terms and rates applicable at any time shall be available on request. We may change the rates of payments without notice. 5.2. We will cease making any Payments to You if: 5.2.1. We are notified in writing, or it is reasonable to infer, that You are no longer validly acting on behalf of the Client; or 5.2.2. We are prevented from making Payments by the operation of any law or regulation; 5.3. We reserve the right to suspend all Payments in the event You enter into a voluntary arrangement, are the subject of bankruptcy or liquidation proceedings, have a receiver or administrator appointed over any assets, cease to hold any relevant material regulatory authorisation or are charged with or convicted of any offence involving fraud or dishonesty. If We exercise this right, we may hold on to the Payments until We have a clear direction from the courts or any relevant insolvency practitioner appointed as to whom We must make such payment. Suspension is without prejudice to Our rights to set off under these Terms or at law. In the foregoing references to You includes any of Your directors or partners. 5.4. We will not make any Payment to You in respect of any Application which has been fraudulent or does not proceed to completion or where We become aware You are in material breach of these Terms in respect of such Application.
6.1. You will reimburse us forthwith upon demand the amount of any payments: made by Us to You in error (and You shall promptly notify Us of the same); made by Us which relates to any application in respect of which You are materially in breach of these Terms, where the Application has been fraudulent or where completion has been delayed or does not occur. 6.2. Any sums due from or payable by You shall be recoverable by Us under any account with Us regardless of the type of business for which the account is held. Any sums due from You to Us may be deducted from any sums owed or which become owing by Us to You. 6.3. Exercise by Us of Our rights under this Clause 6 shall be without prejudice to any other rights or remedies available to Us under these Terms or otherwise available to Us.
7. MONEY LAUNDERING.
7.1. You undertake that: 7.1.1. evidence of the identity of all Clients introduced by you shall be obtained and recorded (prior to the placing of business with us) under procedures maintained by You in accordance with the provisions of the UK Money Laundering Regulations 2007 (the “Regulations”) (and all Directives, Regulations, Rules and Guidance Notes issued in substitution, amendment or addition thereto) and any of Our requirements from time to time notified to You; and provide a copy /copies to Us as required.
8. CONFIDENTIALITY AND DATA PROTECTION.
8.1. Some or all of the information supplied to Us in connection with an Application will be held on computer and/or paper and will comprise Personal Data (as defined by GDPR). Unless required to do so by law, we will not disclose such information to anyone else other than the lender and their third parties to assist in the provision and servicing of the business you have introduced to us, or any prospective transferees or assignees, for any other purpose covered within these terms. 8.2. You warrant, represent, and undertake to Us that, prior to communicating a Client’s personal and/or sensitive data: 8.2.1. You will draw the information in relation to data protection and which appears on any relevant document to the Client’s attention and, in particular, make the Client aware of the purposes for which We will process personal data and to whom that data may be disclosed; and 8.2.2. You will obtain the Client’s consent to such use of their personal information. 8.3. For the avoidance of doubt, we may use personal data supplied to Us by or on behalf of a Client for any purposes to which the Client consents. 8.4. We and You confirm to each other that We are notified under GDPR and each agrees at all times to comply with the provisions of GDPR. You also confirm that you have, and will maintain, suitable systems and processes to ensure compliance with this regulation. You warrant that you can provide confirmation if required to do so. 8.5. Please note that telephone calls may be recorded or monitored for security or training purposes.
9. INDEMNITY AND LIMITATION OF LIABILITY.
9.1. You will indemnify Us in respect of any liability, losses, damages, or costs We may suffer or incur arising from any breach of the warranties, representations, or obligations under these Terms (including any breach of a relevant regulatory rule or applicable law) or by reason of any misrepresentation or negligent, tortuous or fraudulent act or as a result of any incorrect or misleading information that has been knowingly or negligently provided by You whether to Us, a Client or any other person. This indemnity is a continuing to apply after termination of these Terms, for whatever reason. 9.2. We will only be liable to You for losses arising directly as a result of negligence, fraud, or wilful default by Us. In no event will We be liable for special, indirect, consequential damages or losses, or for loss of data, profit or business opportunity. 9.3. Nothing in these Terms shall have the effect of excluding or limiting either party’s liability to the other where such exclusion or limitation would not be lawful.
10.1. Where there are changes in legislation or the rules or guidance of any relevant statutory regulatory authority, any relevant provisions in these Terms will be deemed to be amended accordingly.
11.1. Either party may terminate the agreement on these Terms by giving one month’s notice to the other. 11.2. We may terminate the agreement on these Terms with immediate effect on the occurrence of any one or more of the following: 11.2.1. Any material breach by You or any person or body for which You are responsible for any of the provisions contained within these Terms; 11.2.2. Any misconduct by You, any of Your directors or partners, or any person or body for which You are responsible which is or could be reasonably viewed as prejudicial to Our business or reputation; 11.2.3. You cease to be appropriately authorised; 11.2.4. cessation or suspension or intended cessation or suspension of Your operation or in any circumstance wherein Our reasonable opinion it is likely to affect materially Your ability to perform Your obligations under these Terms; or 11.2.5. material litigation, insolvency, or reconstruction involving You (including any of your partners if you are a partnership) including (without limitation) bankruptcy, dissolution, sequestration, administration, winding up, or seizure of assets or entry into any arrangement or composition with creditors. 11.3. Any termination by Us shall be without prejudice to any other remedies that We may be able to pursue against You, including in respect of accrued rights. 11.4. Upon termination, You will: 11.4.1. not proceed any further with any Application and shall cease all promotion of Our business or the Mortgage Products; 11.4.2. be entitled to any unpaid Payments accrued to the date of termination but shall forfeit entitlement to all other Payments falling due after the date of termination.
12.1. Any notice under these Terms shall be in writing and may be served by sending the notice (i) first class prepaid post, in Our case, to such address as We advised You from time to time and in, Your case, to the last address known to Us or (ii) by email to the latest email address notified to the other party from time to time. Any notice shall be deemed to have been received, in the case of: 12.1.1. first class prepaid post, 48 hours from the time of posting; and 12.1.2. by email upon completion of transmission, subject to non-receipt of notification of failure of transmission.
13.1. These Terms shall be governed by and construed in accordance with the laws of England and Wales and You agree to the exclusive jurisdiction of the English and Welsh courts. 13.2. Any failure or delay by Us or You to exercise or enforce any rights under these Terms and/or in law shall not be deemed to operate as a waiver of any such rights nor prejudice their enforcement in any way. 13.3. You may not assign, transfer subcontract or otherwise dispose, in whole or in part, of any of Your rights or obligations, without Our prior written consent. All or any of our rights can be assigned at any time without Your consent and references to “We”, “Us” and “Our” includes Our assignees. 13.4. These Terms set out the entire agreement between Us and You in substitution of any previous oral, written or implied agreement or representations, to the extent permitted by law. 13.5. The parties do not intend that any term should be enforceable as a result of the Contracts (Rights of Third Parties) Act 1999 or otherwise by any person who is not party to these Terms. 13.6. In the event that any provision in these Terms shall be declared void, voidable, illegal, or otherwise unenforceable by a judicial or other competent authority the parties agree that any such provision shall be amended in such reasonable manner as achieves the intention of the parties without conflict with the judicial or other competent authority and that the enforceability of the remaining provisions shall not be affected. 13.7. Nothing in these Terms should be construed as indicating or giving rise to a joint venture or partnership. 13.8. You accept that under these Terms We may from time to time make such relevant searches and checks in respect of You and Your owners/principals (including in relation to creditworthiness) as we see fit.