Privacy Policy

Introduction

At FirstHome Mortgage Brokers Ltd, protecting your personal data is our top priority. Our Privacy Policy explains how we look after your personal data when you visit our website (regardless of where you visit it from), your privacy rights, and how the law protects you.

1. Important information and who we are

It’s important to know who’s handling your data. Here we set out who we are, why we have this policy in place, and how you can get in touch with us if you have any questions or would like to talk to us about your data.

Personal data we hold about you may be processed by third parties partners, such as product providers, for the purpose of processing your application, assessing the risk to grant credit and for regulatory purposes.

2. Purpose of this Privacy Policy

This Privacy Policy lets you know how we collect and process your personal data through your use of this website, including when you create an account, sign up to our newsletter, use our brokerage or mortgage monitoring services or take part in promotion or product feedback. This website is not intended for children and we do not knowingly collect data relating to children, unless explicitly requested by a lender in a very limited number of cases. It’s important that you read this Privacy Policy together with any other privacy policy or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you, so that you’re fully aware of how and why we’re using your data.

3. Get in touch

FirstHome Mortgage Brokers Limited is the controller and responsible for your personal data and this website (we use “FirstHome Mortgage Brokers”, “FHMB”, “we”, “us” or “our” in this Privacy Policy). You can get in touch with us if you have any questions about this Privacy Policy, including any requests to exercise your legal rights, at:

Address: FirstHome Mortgage Brokers Limited, 62/64, Campbell Street, Kajola House, 4th Floor, Right Wing, Lagos

Email address: customerservice@firsthomemortgagebrokers.com

Telephone number: +234-803-570-5243

FirstHome Mortgage Brokers Limited offers mortgage brokerage services.

4. Changes to the Privacy Policy and your duty to inform us of changes

This is the maiden version of our privacy policy and you can expect us to keep you abreast of any changes to our privacy policy. It’s important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

5. Purpose of this Privacy Policy

6. What information we collect

We’re transparent about the sorts of information we’re collecting and how it enables us to provide you with the best possible service, while protecting your interests as a customer.

Personal data, or personal information, is any information about you from which you can be identified. It doesn’t include data where your identity has been removed (anonymous data).

As a mortgage broker, we want to tailor the best recommendations for your personal circumstances. We therefore ask you for a variety of information to be able to provide this personalized service. Your responses to the questions you provide have a direct impact on what further details we may need from you, as different lenders require different information. This helps us ensure we can select from the widest range of products to provide you with the most appropriate recommendation. We’ll always explain this to you, and you can ask us any questions about the data we’re collecting at any time.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:

Identity Data includes forenames name, maiden name, last name, username or similar identifier, marital status, title, date of birth, gender, address and employment history, and citizenship.

Contact Data includes address, email address and telephone numbers.

Financial Data includes bank account details and bank statements, your income and outgoings, credit history including details of any history of bankruptcy or county court judgments, mortgages held, and, if the lender requires, direct debit details, for instance if your chosen mortgage product requires any payment for things such as valuation.

Special Category/Sensitive Data which includes physical and mental health conditions, racial / ethnic origin, biometric data and criminal offences and convictions

Transaction Data includes details about the products and services you may have benefitted from by using FirstHome Mortgage Brokers Ltd.

Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.

Profile Data includes your username and password.

Usage Data includes information about how you use our website, products and services.

Marketing and Communications Data includes your preferences in receiving marketing from us and our business partners and your communication preferences.

As part of our fact find, we may collect information about criminal convictions and offences that you may have. We also collect specific Special Categories of Personal Data about you to provide you with advice for your protection needs (i.e. details about your ethnicity and information about your health). We need your consent to process this data, and this is why we ask you to agree to our Privacy Policy when you sign up. This means we can continue to process your application with Special Category Personal Data included (as we wouldn’t be able to provide our service without it). We collect data relating to the number of dependents as this affects our affordability calculations to provide you with the most appropriate recommendation. However, we’ll only ask for further data relating to dependents if specifically requested as part of an application to be submitted to a lender. We’ll only request this data if absolutely necessary. This data will be treated sensitively and we won’t use this data for marketing purposes or creating personality or user profiles. We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this Privacy Policy.

Updating your details If you are an existing customer we may use the information we have on you to pre-fill forms when you apply for a new product, but we’ll always check that these details are accurate and up to date.