1.2 We are committed to protecting your data on-line. This policy explains how we collect data online, what we do with it and what controls you have.
1.3 By using the Site, you consent to the collection and use of data in accordance with this policy.
1.4 We reserve the right to change this policy from time to time by changing it on the Site.
This policy was last updated on 12 December 2018.
2. Personal information we may collect from you
2.1 We may collect and process the following personal information about you:
- information (such as your name, email address, postal address and telephone number) that you provide by completing forms on the Site, subscribe to any service, upload or submit any material via the Site, or request any information;
- if you are a customer of ours, information needed to verify your identity and the fact that you may hold a mortgage with us;
- in connection with an account sign-in facility, your log-in and password details;
- if you are a customer of ours, details of any payments made by you through the Site (but not the card details);
- communications you send to us, for example to report a problem or to submit queries, concerns or comments regarding the Site or its content; and
- information from surveys, promotions and competitions that we may, from time to time, run on the Site, if you choose to respond to, or participate in, them.
2.2 You are under no obligation to provide any such information. However, if you should choose to withhold requested information, we may not be able to provide you with certain services or register you as a user of this Site.
3. Uses made of your personal information
3.1 We use the personal information you provide to:
- enable us to provide you with the services and information offered through the Site and which you request;
- service any mortgage that you may hold with us including applying any payments made via this Site;
- contact you requesting feedback on the Site and related issues;
- send you information we think you may find useful, including information about our products and services, provided you have indicated that you do not object to being contacted for these purposes (or provided you have agreed that we may, in the case of electronic communications).
3.2 You can tell us not to contact you by contacting us using the contacting us details in Section 10 (Queries and Complaints) of this policy.
4. Information about Cookies Including Third Party Cookies
4.1 The Site currently only uses session cookies and persistent cookies to store certain information. Cookies are text files that a website transfers to your computer's hard drive to store and sometimes track information about you. Session cookies are stored in temporary memory, also known as cache, and are not retained after the browser is closed. They typically will store information in the form of a session identification that does not personally identify the user. Persistent cookies are stored on your computer's hard drive for a set length of time, and although these cookies identify your computer, again, they do not themselves personally identify users.
- identify new and return visitors to the Site;
- assist in improving and developing our products and services;
- assist in improving and updating the Site;
- audit the accessing of resources and downloading of data from the Site; and/or
- administer the Site and assist in diagnosing technical problems.
4.3 Cookies that we use:
4.4 Most web browsers automatically accept cookies, but if you prefer, you can change your browser settings to prevent this, and your help screen or manual will tell you how to do this. You can learn more about cookies by visiting http://www.allaboutcookies.org/ which includes useful information on cookies and how to block cookies using different types of browser. However, you may not be able to take full advantage of the Site if you choose to block or restrict cookies.
4.5 Third Party Cookies
Our website may contain links to other websites of interest. However, once you follow a link, we are not responsible for the data protection and cookie policies of the other sites even if you access the links from our Website. We recommend that you read the policies of those websites
4.6 How to withdraw your Consent to Cookies / removing Cookies
If you want to find out more about cookies and how to manage and delete cookies from your computer you may wish to visit www.allaboutcookies.org/
5. Information sharing
We may share your information with Analytics and search engine providers that assist us in the improvement and optimisation of our site. Where we do so, we will ensure that those providers handle any such data to strict contractual controls solely for the purposes given in this policy.
6.1 We place great importance on the security of all personally identifiable information associated with our users. We have security measures in place to protect against the risk of loss, misuse or alteration of personal information under our control. Our security and data protection policies are periodically reviewed and enhanced as necessary and only authorised personnel have access to personal information. Whilst we cannot ensure or guarantee that loss, misuse or alteration of information will never occur, we use all reasonable efforts to prevent it.
6.2 You should bear in mind that submission of information over the Internet is never entirely secure. We cannot guarantee the security of information you submit via the Site whilst it is in transit over the Internet and any such submission is at your own risk.
6.3 It is advisable to close your browser when you have finished your user session. This helps ensure others do not access your personal information if you use a shared computer or a computer in a public place.
7. Storage of your information
Information submitted by you may be transferred by us to our other offices and/or to the third parties mentioned in the circumstances set out in Section 5 (Information Sharing) above which may be situated in locations outside the European Economic Area (EEA) and may be processed by staff operating in those locations. The countries concerned may not have similar data protection laws to the EEA. However where we transfer your information, we will take all reasonable steps to ensure that your data protection rights continue to be protected. By submitting information via the Site, you agree to this storing, processing and/or transfer.
8. Your details
You must ensure that any registration details you provide are accurate.
If you choose, or you are provided with, a log-on ID (such as a username and password or other identifier) as part of our security procedures, you must treat such information as confidential and must not reveal it to anyone else.
You are responsible for all activities that occur under your log-on ID and must notify us immediately of any unauthorised use or other security breach of which you become aware.
We reserve the right to disable any log-on ID, at any time, if in our opinion you have failed to comply with any of the provisions of these terms and conditions, or if any details you provide for the purposes of registering as a user prove to be false.
9. Useful Information
- A number of websites provide detailed information on cookies, including AboutCookies.org and AllAboutCookies.org.
- The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks.
- Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the Chrome web store.
- Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari and Opera.
- Internet Explorer has a feature called Tracking Protection Lists which allows you to import a list of websites you want to block.
- For more information on how private browsing works as well as its limitations, visit the support pages for your browser: Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari (mobile and desktop) and Opera.
- For more information on how and why data is processed about you, the reasons for doing so, and your rights relating to data protection please see the Fair Processing Notice, which is available on the Kensington Mortgage Company website.
10. Queries and Complaints
If you have any questions about this policy or wish to complain, please contact:
The Data Protection Officer
Kensington Mortgage Company Limited
Maidenhead Office Park
You have a right to complain to the Information Commissioner’s Office www.ico.org.uk whose contact details are:
Information Commissioner’s Office
Cheshire SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number