Privacy Policy

This privacy policy is for Accelerate My Mortgage, our website and any associated applications or services (including emails and other forms of communication) collectively known as ‘the site’. This includes any way of accessing, browsing or downloading any part of the site.

Accelerate My Mortgage is a trading style of Rateswitch Ltd. We are a company registered in England and Wales under company number 10100327, and our registered office is located at Sophia House, 28 Cathedral Road, Cardiff CF11 9LJ.

Rateswitch Ltd is an appointed representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number is 762308, which you can use to find us on the Financial Services Register.

The policy explains how we collect, store and use information about you when you access or use this site, together with the obligations and requirements of you and us in relation to your information. This policy also explains how we use cookies.

We ask that you read this policy carefully as it contains important details about how we will use your information. By accessing or using the site you agree to be bound by, and comply with, this policy and the documents referred to in it (including our site Terms & Conditions). If you do not agree with or accept this policy you should stop using our site immediately.

The site

We take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of our users throughout their visiting experience. This site endeavors to comply with all applicable laws and requirements for user privacy, including the Data Protection Act 2018 and the Privacy and Electronic Communications (EC Directive) Regulations 2003, as amended from time to time, and all other applicable privacy and data protection laws and regulations, as well as any guidance and/or codes of practice issued from time to time by the UK Information Commissioner.

Use of cookies

This site uses cookies to improve your experience while visiting the site. Cookies are small text files saved to your computer’s hard drive that track, save and store information about your interactions and usage of the site.

This allows the site, through its server, to provide you with a tailored experience within the site.

This site also uses tracking software to monitor its visitors to better understand how they use it. Some of this software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of the site, but will not store, save or collect personal information. You can read Google’s Privacy Policy for further information about their use and processing of information through tracking software and cookies.

You are advised that if you wish to deny the use and saving of cookies from this site or from Google Analytics on to your computer’s hard drive you should take necessary steps within your web browser’s security settings to block all cookies from this site and its external serving vendors. However, users should note that some features on the site may not function if cookies are blocked.

We use cookies to:

- Collect information that will help us to distinguish visitors, to understand their browsing habits on our site and to improve their experience;

- Compile statistical reports on site activity, such as the number of visitors and the pages they visit;

- Collect information that will allow us to tailor advertising to make it more relevant for you, based on your previous interactions with our site; and

- Collect information to help improve your experience on future visits. Some of the cookies are essential in order to provide our services to you. Further information on deleting or controlling cookies is available here.

Contact and communication

While we will use all reasonable efforts to safeguard your information, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any information that is transferred from you or to you via the internet. Therefore, whenever you use this site and/or contact us through it you do so at your own risk.

Information we collect about you

We will collect information about you when you visit our site, make submissions to or through our site, sign up to receive emails or other correspondence from us or otherwise do business with us (whether through our site or otherwise).

We may also collect information about you through the use of cookies, as set out in the ‘Use of cookies’ section above.

We may also receive information about you and your transactions, including information obtained from third parties.

An IP address is a number that is automatically assigned to your computer whenever you are surfing the web. Web servers automatically identify your computer by its IP address. On occasions, we collect IP addresses for the purposes of system administration, to analyse aggregate information, and to audit the use and avoid the abuse of our services. If you contact us electronically, we may collect your electronic information identifier, for example your Internet Protocol (IP) address or telephone number supplied by your service provider.

How we use your information

We will process your information to:

- Display information on your mortgage based on the information you have provided to us;

- Contact you in relation to any enquiry you make through the site regarding switching your mortgage;

- Provide you with further information about the products/services we offer;

- Send you regular e-mails and further information about your mortgage, cashback offers, overpayments, news and other information at our discretion;

- Assist you in answering any questions or queries you may have submitted;

- Customise our site and its content to your particular preferences (including through the use of cookies in accordance with the ‘Use of Cookies’ section above);

- For the direct marketing of retail cashback offers or other offers to you;

- Improve our services; and

- Subscribe you to our email newsletter program in accordance with the ‘Email Newsletter’ section below

In relation to the above, your information is kept private and stored securely only for so long as it is required (following which it is securely deleted).

Some of the information provided by you to us will be shared by us with third parties including merchants for the purposes of making relevant cashback offers to you

Information which you provide to or is collected by us may also be provided to third parties to assist in market research or to optimise their business.

We will use information which you provide, or is collected by us, to enable us to conduct trend analysis and profiling to improve upon areas such as: fraud prevention and detection, improving our service, the development of products and services and profiling and behaviour analysis.

We reserve the right to use and disclose aggregated anonymised data for statistical and business analysis purposes.

If we contact you in relation to any enquiry you make through the site regarding switching you to a better rate and you wish to instruct us to process a lending application for you, we will provide you with separate terms and/or policies regarding how we collect, process and disclose your information as part of that application process, and such processing shall be carried out in accordance with those separate terms and/or policies (and this policy shall not apply to such further work).

In relation to any type of lending application, and for the purpose of establishing eligibility, third parties may be contacted such as your employer, accountant or credit reference agencies. All data obtained will be processed in the legitimate interest of your business enquiry, and further information about one of the credit reference agencies we use can be found here.

Your consent

By submitting your information to us you consent to the processing of that information as set out in this policy.

Email newsletter and alerts

This site operates an email newsletter and alert program, used to inform subscribers about products and services supplied by this site. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion.

We may subscribe you to our email newsletter and alert program manually, but only:

- If this was made clear to you and your express permission was granted when submitting your information to us; or

- Where you have previously purchased, or enquired about purchasing, from us a product or service that the email newsletter relates to

This is by no means an entire list of your user rights in regard to receiving email marketing material.

Subscriptions are taken in compliance with anti-spam laws detailed in the Privacy and Electronic Communications Regulations 2003. All personal details relating to subscriptions are held securely and in accordance with the Data Protection Act 2018. No personal details are passed on to third parties, nor shared with companies/people outside of the company that operates this site.

Email marketing campaigns published by us may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, and the times, dates and frequency of activity.

This is not an exhaustive list and we may use other tracking activities relating to email marketing campaigns in accordance with this policy. The information we track and store is used to refine future email campaigns and supply the user with more relevant content based around their activity.

In compliance with anti-spam laws and the Privacy and Electronic Communications Regulations 2003 subscribers are given the opportunity to unsubscribe at any time through an automated system. This process is detailed at the footer of each email campaign. If an automated unsubscription system is unavailable, clear instructions on how to unsubscribe will be detailed instead.

Site comments and testimonials

From time to time we may give you the option to publish content to or through the site, including in blog comments, reviews and testimonials.

We may wish to publish or re-publish such user content on the site and shall have the right to do so subject to this policy.

External links

Although this site only looks to include quality, safe and relevant external links, users are advised to adopt a policy of caution before clicking any external web links mentioned throughout this site. ‘External links’ include clickable text, banner and image links to other sites.

This policy only applies to this site. If you access links to other sites any information you provide to them will be subject to the privacy policies of those other sites.

We cannot guarantee or verify the contents of any externally linked site. Users should therefore note that they click on external links at their own risk and we cannot be held liable for any damages or implications caused by visiting any external links mentioned on this site.

Social media platforms

Communication, engagement and actions taken through external social media platforms that this site and its owners participate on are subject to the Terms & Conditions and privacy policies of such social media platforms.

Users are advised to use social media platforms wisely and communicate/engage upon them with due care and caution in regard to their own privacy and personal details. We will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact us through primary communication channels such as by telephone or email.

This site may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened social media links

We may share web links to relevant web pages through our social media platform accounts. By default, some social media platforms shorten lengthy URLs/web addresses.

Users are advised to take caution and exercise good judgement before clicking any shortened URLs published on social media platforms by us. Despite the best efforts to ensure only genuine URLs are published, many social media platforms are prone to spam and hacking and therefore we cannot be held liable for any damages or implications caused by visiting any shortened links.

Overseas transfers

The Information you provide may be transferred to countries outside the European Economic Area (EEA) that do not have similar protections in place regarding your data and restrictions on its use as set out in this policy. However, we will take steps to ensure adequate protections are in place to ensure the security of your information. The EEA comprises the European Union (EU) member states plus Norway, Iceland and Liechtenstein. By submitting your information you consent to these transfers for the purposes specified in this policy.

Your rights

Under the Data Protection Act 2018 you may request a copy of personal information we hold about you. A small fee will be payable. If you would like a copy of the information held on you please write to the business address at the bottom of this policy.

Changes to this policy

We keep this policy under regular review and may change it from time to time. If we change this policy we will post the changes on this page, and place notices on other pages of the site as applicable, so that you may be aware of the information we collect and how we use it at all times. You are responsible for ensuring that you are aware of the most recent version of this policy, as it will apply each time you access the site.

This Policy was last updated on the 20th November 2019.

General

We will use technical and organisational measures in accordance with good industry practice to safeguard your information. We may monitor and record communications with you (such as telephone conversations and emails) for the purposes of provision of services, quality assurance, training, fraud prevention and compliance purposes.

If our business is sold or integrated with another business your information may be disclosed to our advisers and any prospective purchasers and their advisers and will be passed on to the new owners of the business.

Contact us

If you have any questions about this policy or about using the site in general, please contact us by email at support@acceleratemymortgage.com, or write to us at Rateswitch Ltd, Sophia House, 28 Cathedral Road, Cardiff CF11 9LJ.