Privacy policy
This privacy policy applies between you, the User of this Website, and International Mortgage Solutions (Middle East) Limited, the owner and provider of this Website. International Mortgage Solutions (Middle East) Limited takes the privacy of your information very seriously. This privacy policy applies to our use of any personal Data collected by us or provided by you in relation to your use of the Website.
Please read this privacy policy carefully.
Definitions and interpretation
1. In this privacy policy, the following definitions are used:
Data
collectively all information that you submit to International Mortgage Solutions (Middle East) Limited . This definition incorporates, where applicable, the definitions concerning personal data provided in the Data Protection Laws;
Cookies
a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below (Cookies);
Data Protection Laws
any applicable law relating to the processing of personal Data, including but not limited to the UK GDPR, the Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2003 (as amended); and any other regulations, code of practice, guidance as issued by the Information Commissioner’s Office from time to time;
GDPR
the UK General Data Protection Regulation;
International Mortgage Solutions (Middle East) Limited, we or us
International Mortgage Solutions (Middle East) Limited, a company incorporated in England and Wales with registered number 10102818 whose registered office is at MICHAEL HOUSE UNITED KINGDOM , CASTLE STREET, EXETER, DEVON , EX4 3LQ;
Personal Data
Means any data processed in accordance with the Data Protection Laws
User or you
any third party that accesses the Website and is not either (i) employed by International Mortgage Solutions (Middle East) Limited and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to International Mortgage Solutions (Middle East) Limited and accessing the Website in connection with the provision of such services; and
Website
the website that you are currently using, mortgageims.com, and any sub-domains of this site unless expressly excluded by their own terms and conditions.
Scope of this privacy policy
3. This privacy policy applies only to the actions of International Mortgage Solutions (Middle East) Limited and Users with respect to this Website and the company’s legitimate business operating processes and procedures. It does not extend to any third party websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.
4. For purposes of the applicable Data Protection Laws, International Mortgage Solutions (Middle East) Limited is the "data controller". This means that International Mortgage Solutions (Middle East) Limited determines the purposes for which, and the manner in which, your Personal Data is processed.
Data collected
5. We may collect the following Data, which includes personal Data, from you:
a. name;
b. contact Information such as email addresses and telephone numbers;
in each case, in accordance with this privacy policy.
We do not hold any other Personal Data concerning you or otherwise about you.
How we collect Data
6. We collect Data in the following ways:
a. data is given to us by you; and
b. data is collected automatically.
Data that is given to us by you
7. International Mortgage Solutions (Middle East) Limited will collect your Data in a number of ways, for example:
a. when you contact us through the Website, by telephone, post, e-mail or through any other means;
b. when you register with us and set up an account to receive our products/services;
c. when you complete surveys that we use for research purposes (although you are not obliged to respond to them);
d. when you elect to receive marketing communications from us;
e. when you use our services;
in each case, in accordance with this privacy policy.
Data that is collected automatically
8. To the extent that you access the Website, we will collect your Data automatically, for example:
a. we automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation, and includes your IP address, the date, times and frequency with which you access the Website and the way you use and interact with its content.
b. we will collect your Data automatically via cookies, in line with the cookie settings on your browser. For more information about cookies, and how we use them on the Website, see the section below, headed "Cookies".
Our use of Data
9. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:
a. internal record keeping;
b. transmission by email of marketing materials that may be of interest to you but only with your explicit consent and you may opt out of receiving such emails at any time;
c. contact for market research purposes which may be done using email, telephone, fax or mail, and only in the event that you purchase certain products from us, for which we may contact you to offer similar products and services, and you may opt-out of receiving such communications at any time. Such information may be used to customise or update the Website;
in each case, in accordance with this privacy policy. If you are not satisfied with our approach to marketing, you have the right to withdraw consent at any time. To find out how to withdraw your consent, see the section headed "Your rights" below.
9. We may use your Data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed "Your rights" below).
10. When you register with us and set up an account to receive our services, the legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
Who we share Data with
13. We may share your Data with the following groups of people for the following reasons:
a. our employees, agents and/or professional advisors - to enable us to provide you with relevant services;
in each case, in accordance with this privacy policy.
Keeping Data secure
14. We will use technical and organisational measures to safeguard your Data, for example:
a. access to your account is controlled by a password and a user name that is unique to you.
b. we store your Data on secure servers.
15. Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this e-mail address: contact@mortgageims.com.
16. If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.
Data retention
17. Unless a longer retention period is required or permitted by law, we will only hold your Data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy or until you request that the Data be deleted.
18. We may need to retain your personal data to comply with applicable laws or for legal, tax or other regulatory purposes. We will destroy your personal data once we are legally no longer required to hold your personal data.
Your rights
19. You have the following rights in relation to your Data:
a. Right to access - the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, save in certain circumstances. Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
b. Right to correct - the right to have your Data rectified if it is inaccurate or incomplete.
c. Right to erase - the right to request that we delete or remove your Data from our systems.
d. Right to restrict our use of your Data - the right to "block" us from using your Data or limit the way in which we can use it.
e. Right to data portability - the right to request that we move, copy or transfer your Data.
f. Right to object - the right to object to our use of your Data including where we use it for our legitimate interests.
20. To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this e-mail address: contact@mortgageims.com.
21. If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner's Office (ICO). The ICO's contact details can be found on their website at https://ico.org.uk/.
22. It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.
Transfers outside the United Kingdom and European Economic Area
23. Data which we collect from you may be stored and processed in and transferred to countries outside of the UK and European Economic Area (EEA). For example, this could occur if our servers are located in a country outside the UK or EEA or one of our service providers is situated in a country outside the UK or EEA.
24. We will only transfer Data outside the UK or EEA where it is compliant with data protection legislation and the means of transfer provides adequate safeguards in relation to your data, eg by way of data transfer agreement, incorporating the current standard contractual clauses adopted by the European Commission.
25. To ensure that your Data receives an adequate level of protection, we have put in place appropriate safeguards and procedures with the third parties we share your Data with. This ensures your Data is treated by those third parties in a way that is consistent with the Data Protection Laws.
Links to other websites
26. This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.
Changes of business ownership and control
27. International Mortgage Solutions (Middle East) Limited may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of International Mortgage Solutions (Middle East) Limited. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
28. We may also disclose Data to a prospective purchaser of our business or any part of it.
29. In the above instances, we will take steps with the aim of ensuring your privacy is protected.
Cookies
30. This Website may place and access certain Cookies on your computer. International Mortgage Solutions (Middle East) Limited uses Cookies to improve your experience of using the Website. International Mortgage Solutions (Middle East) Limited has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.
31. All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.
32. Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling International Mortgage Solutions (Middle East) Limited to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; this will still enable the Website to function as necessary in order to provide you with our services.
33. This Website may place the following Cookies:
Type of cookie
Purpose
Strictly necessary cookies
These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Functionality cookies
These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region). By using the Website, you agree to our placement of functionality cookie.
34. You can find a list of Cookies that we use in the Cookies Schedule.
General
39. You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.
40. If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected.
41. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
42. This Agreement will be governed by and interpreted according to the law of England and Wales. All disputes arising under the Agreement will be subject to the exclusive jurisdiction of the English and Welsh courts.
Changes to this privacy policy
43. International Mortgage Solutions (Middle East) Limited reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations. You may contact International Mortgage Solutions (Middle East) Limited by email at contact@mortgageims.com.
This privacy policy was created on 02 January 2023.