Incompatible with Internet Explorer
Incompatible with Internet Explorer
About Us
3mc (UK) Limited is committed to protecting the
privacy and confidentiality of all individuals and takes its responsibilities
regarding the security of data very seriously. We abide by the rules of
the General Data Protection Regulation (GDPR) upheld by the Information
Commissioner Officer (ICO) and are authorised and regulated by the Financial
Conduct Authority (FCA) to advise and arrange mortgage and insurance
products. This includes processing any personal data lawfully, fairly and
in a transparent manner.
What information do we collect about you and why?
As a Brokerage and as part of our service we will
only collect information from you so that we can advise and arrange mortgage
and insurance products that may be suitable for you. In the financial
services industry, we call this factfinding which provides us with all the
information that we need from you in order to provide you a with suitable
product that meets your circumstances and requirements.
When obtaining information from you we will do this
by phone, email or post and will confirm the accuracy of the data collated. It
is important that all the data we hold on you is accurate so that we can advise
and arrange suitable products to you.
The types of information we will collect from you
includes; contact details, occupation, income and expenditure, credit details,
mortgage requirements, insurance requirements, existing policies,
solicitors/accountants’ details, bank details. In addition, we may collect
sensitive personal data such as medical conditions or criminal offence data
where required to do so to arrange a policy on your behalf.
Where you provide your personal data on our website
it will be taken as a positive action that you would like us to contact you for
the purpose as set out on our website.
Information from other sources
We may obtain information from other sources such
as public records if required. This is to enable us to verify who you are
or facts that you have told us are accurate.
How will we use this information?
We will only use your data in ways that you would
reasonably expect us to. Below summarises how we will use your data.
We will use the information you provide to us to
research the market on your behalf to find a suitable policy that meets your
circumstances and needs. Once we have carried out research, we will
provide you with a personalised illustration detailing the product
information. Whilst you consider the illustration, we will remain in
touch to answer any questions you may have.
If you are happy to proceed, we will then use your
data to complete an application form which will then be forwarded to the
relevant Lender or Insurer. We will then liaise with them on your
behalf until the policy has been arranged.
We will then contact you at renewal or when your
policy is due to be reviewed so that we can continue to ensure that the policy
you have in place remains suitable. Where your circumstances or personal
information have changed, we will update our records and notify the Lender or
Insurer to do the same.
We will also use your data to assist with handling
a complaint if you are not happy with the service you have received.
As part of our service, we like to keep our
customers up to date with new products or offers that are available and may be
of interest. Therefore, we may contact you from time to time through
email marketing, phone, text or other types of marketing material. If you
wish to opt-out of this at any point then please let us know.
In the interest to improve our services, telephone
calls may be monitored and/or recorded for training purposes and to assist us
to handle a complaint. Where we record the call, you will be informed of
this.
The lawful basis on which we use this information
How we use your information (detailed above) we
will do so using the lawful basis legitimate interests. We have decided
upon this basis as it allows us to meet with the ICO and FCA rules and is the
most suitable lawful basis for processing data with a view to arranging a
policy.
Who will it be shared with?
As stated above, if you wish to proceed to take out
a policy then we will pass your details on to the Lender or Insurer the policy
will be arranged with. The information we pass on will be detailed within
the application we complete on your behalf. We may also liaise with your
Solicitor and/or Accountant where relevant to arrange a product on your behalf.
Where required we may forward your details onto
regulatory authorities or fraud agencies where we have a legal obligation to do
so to comply with our regulatory requirements or where fraud is
suspected. We may do this under the lawful basis legal obligation.
We also share analytical data with third parties so
that they can produce statistics on the mortgage market. Although they
will record data such as your geographical location using only the outward
element (the first part) of your postcode, loan size, product type, property
type, size of property and property value, none of this information personally
identifies you as an individual.
What we will do to ensure the security of personal information
We will not share any of the information you
provide to third parties for marketing purposes or store any of your
information outside of the European Economic Area. The information you
provide will be held securely by us regardless of whether the information is in
electronic or physical format. We use leading technologies and security
measures to safeguard your information and keep strict security standards to prevent
any unauthorised access to it.
How long will we retain your data
We will only hold data for no longer than is
necessary. Where we have arranged a policy on your behalf, we will keep
your file including your personal data and any call recording, on record for a
minimum of six years, in line with our regulatory obligation with the
FCA. Where we need to hold your file for longer than this then we will
inform you of this.
What are your rights?
You have the right to:
Where the processing of your data is based on your
consent, you have the right to withdraw this consent at any time by contacting
us by phone or email. We do not use automated decision making or
profiling systems.
Marketing
Where we need your consent, we will ask for this
separately. We do not use pre-ticked boxes or make assumptions that you
have given your consent. Your consent must be freely given by positively
opting in or making a clear affirmative action that you are giving your
consent. We will do our very best to ensure you know exactly what you are
consenting to and remind you that you may withdraw your consent at any time by
contacting us by email or phone. Where consent is obtained a record of
this will be made confirming what you have consented to, the time and date and
how consent was obtained.
Customers: Our customers are important to us however we appreciate that on some
occasions you may wish to look elsewhere. If you do, we would like to
stay in touch and therefore will ask for your consent in order for us to do so.
Potential Customers: Where you have expressed an interest in a product
but have then decided not to proceed, we would like to keep in touch,
therefore, will ask for your consent to do so in case a product may be of
interest to you at a later date.
Non-Customers: We will only send you information about regulated products or services
if we have obtained your consent to do so.
Right to complain
We hope that the service you receive from us is to
the high standard you would expect. If at any point you are unhappy with
the way we have used your data then please notify Doug Hall by either email,
post or phone below. If you remain concerned about the way we collect or
use your personal data you can raise your concern with the Information
Commissions Office (ICO) on 0303 123 1113. For further details, you may
visit the ICO website www.ico.org.uk
We will tend to disclose the complainant’s identity
to whoever the complaint is about, however, if you wish your identity to remain
anonymous, we will try to respect that. We will keep your complaint on
record for two years once closed or six years if it also relates to how we
arranged a policy and falls under the FCA ruling.
Changes to the information
We regularly review and, where necessary update our
Privacy Notice. If we plan to use personal data for a new purpose our
Privacy Notice will be updated and you will be notified.
How to contact us
If you wish to contact us about the above or any
other matter then please contact us at:
Doug Hall
3mc (UK) Limited
3 St Georges Court
Altrincham Business Park
Altrincham
Cheshire
WA14 5UA
Tel: 0161 962 7800
Web: www.3-mc.com
E-mail: info@3-mc.com
3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 302992. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
3mc (UK) Ltd, 3 St Georges Court, Altrincham, Cheshire. WA14 5UA. We will advise and make a recommendation to you on mortgages that are regulated such as residential mortgages, further advances and consumer buy to lets after we have assessed your needs. We will also advise and make a recommendation on non-regulated products such as business buy to let, commercial mortgages and non-regulated bridge products.
We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a Lender.
Our fee is as follows:
Where you are a new customer to us, we will charge no more than £495. Where you are an existing customer, we will charge no more than £395.
Where you have been introduced to us from another a firm, we will charge no more than £395.
Where you have been originally introduced to us from another firm and you are an existing customer, we will charge no more than £295.
Please note our fee will be payable on application of the mortgage, and is non refundable. We will also be paid commission from the Lender. All 3mc advisers receive a basic salary. No commissions are paid to an adviser for the advice provided or for the completion of a mortgage.
You will also receive either a European Standardised Information Sheet (ESIS) or a Key Facts Illustration+ (KFI+) when considering a particular mortgage which will tell you about any fees relating to it. It will also include the actual amount of commission we will receive.
Our aim is to provide a quality and client-focused service so that you are provided with a high-level service at all times.
Please note: some products that we are offer (such as Buy to Let or Commercial mortgages) are not regulated by the Financial Conduct Authority. As a result of this, you will not have the benefit or protection that would normally be available from the Financial Conduct Authority, Financial Ombudsman Service and Financial Services Compensation Scheme (noted in section 5 & 6 below).
Note: If you are looking to increase your borrowing on an existing mortgage then there are a few options available to you, including a Further Advance, Second Charge or Unsecured lending such as a personal loan. We are required to inform you of the alternative options available to you so that you can consider them against your personal circumstances. We will provide advice on further advances. We will not, however, provide advice on whether a second charge or unsecured lending such as a personal loan is more suitable.
It is our intention to provide you with a high level of service at all timed. If there is an occasion when we do not meet these standards and you wish to register a complaint, please contact us by:
Address: Complaints Department, 3mc (UK) Ltd, 3 St Georges Court, Altrincham Business Park, Altrincham, Cheshire, WA14 5UA
Phone: 0161 962 7800
If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Mortgage advising and arranging are covered up to a maximum limit of £85,000.
Whilst we are covered by the FSCS they do not provide cover on products that are not regulated by the Financial Conduct Authority (such as Buy to Let and Commercial mortgages). Therefore, you will not be entitled to compensation from the FSCS.
Further information about the compensation scheme arrangements is available from the FSCS.