HMK Financial Services Limited (HMK FS) takes your privacy very seriously and will only use your personal information in accordance with current data protection legislation and this notice.
We reserve the right to amend this notice from time to time by publishing any amendments on our website (www.hmkfs.co.uk). Please check this page from time to time to take note of any changes we make.
WHAT WE DO
HMK Financial Services act as an independent finance broker, working with numerous lenders to provide access to a wide range of competitive products.
We are a data controller entered into Information Commissioner’s Office (ICO) Register of Data Controllers. We hold and process your information for the purposes of our business.
For details about how our lenders use your personal information, please refer to their Privacy Notices.
INFORMATION WE COLLECT FROM YOU
As a finance broker, we will need information from you to be able to provide you with the most appropriate services to meet your needs.
We will collect data in the following ways:
– an application you make through our website;
– information taken over the phone or face to face;
– email communication; and
– once you are a registered customer, via third party organisations such as credit reference agencies (CRAs).
We will ask you for basic personal data, such as:
– your name;
– date of birth;
– current and previous addresses;
– employment details;
– banking details; and/or
– details of any financial associates or partners and their personal data if you are making a joint application.
Any information we collect is used as part of your finance application and/or to protect you from fraud. We will not collect any unnecessary data.
If your finance application is accepted, we may ask you to provide documents such as your driving licence, proof of address, bank statements or payslips. By providing us with these documents, you are helping us to protect you from fraud.
INFORMATION WE COLLECT FROM OTHER SOURCES
To make the process of applying for finance as smooth as possible, we may ask a CRA to provide information about you.
Any searches conducted with the CRA will be recorded and visible to other organisations if you apply for credit in the future. These searches may also link together records of you and anyone you have stated is a financial associate. Links between these associates will remain on both your files until you or the financial associate contacts the CRA to remove the link.
We currently use Experian Limited as our preferred CRA. If you have questions about the data they hold on you, you can contact them using the following details:
PO Box 9000
Telephone: 0344 481 0800 or 0800 013 8888
Please note: CRAs do not make decisions on finance applications – these decisions are made by our lenders using information provided by you and the CRAs.
For general information on the CRAs, the type of information they make available, and how they use your data, visit: http://www.experian.co.uk/crain/index.html
HOW WE USE YOUR INFORMATION
Your data will be used to help us with your finance application or to protect you from fraud. This includes:
– verifying your identity;
– detecting and preventing money laundering, fraud, or other crimes;
– ensuring compliance with legislation and regulation;
– recovering arrears;
– resolving queries and complaints; and/or
– generally managing your account.
Any of these processes may be automated.
Once we pass your finance application to a potential lender, they will also use the data for the above purposes.
If you have provided us with your phone number, email address, or postal address, we may occasionally contact you about new services, special events, offers, and products that may be of interest to you. This may be done over the phone, using email, text message, or letter. We will never pass on your details to a third party without your consent.
SHARING AND STORING YOUR INFORMATION
We will share your data with the most appropriate lenders for your finance application, we will never sell your information onto another organisation
Your data will be stored in line with our Record Keeping Policy, we have put in place suitable physical, electronic and managerial procedures to safeguard any information that we collect.
As an independent finance broker, we have a legal and regulatory requirement to retain some of the data we have on customers. If you proceed with a finance application, we will retain your data in accordance with The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
If you would like the data we hold on you deleted, changed or restricted, please write to us at firstname.lastname@example.org – or using the other details at the bottom of this notice, and we will investigate your request and confirm what we are able to remove.
You have the right to request access to a copy of the data we hold on you at any time. You can also request that data is provided in a portable format – subject to a number of qualifying conditions. You can find out more by writing to email@example.com.
You have the right to opt out of receiving direct marketing from us at any time. You can do this by writing to us or emailing firstname.lastname@example.org.