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Privacy and data protection

Privacy policy

How personal information is collected, used, shared and protected when you visit this website or contact Matt Sidnell.

This policy applies to sidnell.uk and to initial enquiries made through the contact methods shown on the website. If you proceed to a mortgage or protection advice service, you will receive additional client privacy information explaining the more detailed processing involved.

1. Who we are

Matt Sidnell provides mortgage and protection advice through My Simple Mortgage Ltd, trading as My Simple Mortgage. My Simple Mortgage Ltd is the data controller for personal information provided directly through this website or during an initial enquiry.

My Simple Mortgage Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd. Stonebridge may receive and process personal information for network, compliance and regulated business purposes. Where Stonebridge acts as a separate controller, its own privacy policy applies.

Business details

My Simple Mortgage Ltd, company number 09275345.
Registered office: The Mount, Etruria Road, Newcastle under Lyme, Staffordshire, ST5 0SU.

2. Information we collect

Depending on how you use the website or contact Matt, we may collect:

  • Your name, telephone number, email address and appointment details.
  • The information you choose to include in a WhatsApp message, telephone conversation or booking note.
  • Basic technical information needed to deliver and protect the website, such as an IP address, browser type, device information, access time and security logs.
  • Information about your mortgage or protection enquiry if you choose to provide it.
  • Later in the advice process, identification, financial, employment, property, credit and other information needed to assess your circumstances.
  • Health information where it is relevant to a protection application and is collected through an appropriate secure process.

Please do not send bank details, identity documents, policy numbers, passwords, detailed medical information or sensitive financial records through ordinary booking notes or WhatsApp unless a secure process has been agreed.

3. How and why we use personal information

Purpose
Usual lawful basis
Responding to an enquiry and arranging a conversationSteps requested before entering a contract, and legitimate interests in responding properly
Providing mortgage or protection servicesContract, legal obligation and legitimate interests, as explained in the client privacy notice
Meeting legal, regulatory, compliance and record keeping dutiesLegal obligation and legitimate interests
Protecting the website and preventing misuseLegitimate interests and strictly necessary technologies
Sending marketing communicationsConsent where required, or legitimate interests where the law permits

If special category information, such as health information, is required, it will only be processed where an additional lawful condition applies. This will be explained when the information is requested. Personal information is not sold.

4. Who we may share information with

Information is shared only where it is relevant and lawful. Recipients may include:

  • My Simple Mortgage Ltd staff and authorised service providers.
  • Stonebridge Mortgage Solutions Ltd for network, compliance and regulated business purposes.
  • Lenders, insurers and product providers where you ask us to explore or arrange a service.
  • Identity, fraud prevention, credit reference, sourcing and case management providers used during an advice process.
  • Solicitors, estate agents, surveyors and other parties involved in a transaction where appropriate and authorised.
  • Website hosting, communications, archiving and information technology providers.
  • Cal.com, which provides the Cal.eu booking service, when you choose to load or use the calendar.
  • Professional advisers, regulators, law enforcement or other bodies where disclosure is required or permitted by law.

Some service providers may process information outside the United Kingdom. Where this happens, appropriate safeguards are used, such as an adequacy decision or approved contractual protections. Cal.com states that booking data may be processed in the United States and that it uses recognised transfer safeguards.

5. Cookies and booking tools

This website does not currently use advertising or analytics cookies. It may use strictly necessary cookies for security and, while access is restricted, to remember that the correct website access password has been entered. The restricted access cookie may remain for up to 30 days.

The Cal.eu calendar is provided by Cal.com. It is not loaded until you choose to display it. When loaded, Cal.com may receive your IP address, browser information and any booking information you submit, and may use technologies needed to operate the booking service. You can instead open Cal.eu directly, use WhatsApp or telephone Matt.

External services have their own privacy information. You can read the Cal.com privacy policy and the Stonebridge privacy policy.

6. How long we keep information

Personal information is kept only for as long as it is needed for the purpose for which it was collected, including legal, regulatory, accounting, complaints and fraud prevention requirements.

  • Routine initial enquiries that do not progress are normally reviewed for deletion or anonymisation within 12 months.
  • Booking and correspondence records are retained only while needed to manage the enquiry and any follow up.
  • If you become a client, advice and transaction records are retained in line with applicable legal, regulatory and Stonebridge record keeping requirements. The client privacy notice gives further detail.
  • Information relevant to a complaint, legal claim or regulatory matter may be retained for longer where necessary.

7. Your data protection rights

Depending on the circumstances, you may have the right to ask for access to your information, correction of inaccurate information, deletion, restriction, transfer of information you supplied, or to object to particular processing. You may withdraw consent at any time where consent is the basis used. These rights can be subject to legal limits and exemptions.

You will not normally be charged for making a rights request. We may need enough information to confirm your identity and locate the relevant records.

8. Contact and complaints

For an initial privacy question or rights request, contact Matt Sidnell on 07723 994 463. You may also contact Stonebridge’s data team at data@stonebridgegroup.co.uk or write to 7 & 9 Regency House, Miles Gray Road, Basildon, SS14 3FR.

If you believe personal information has not been handled properly, please contact us first so the concern can be investigated. Data protection complaints will be handled in accordance with the applicable legal requirements. You also have the right to complain to the Information Commissioner’s Office. Visit ico.org.uk/make-a-complaint or telephone 0303 123 1113.

9. Changes to this policy

This policy is reviewed when the website, contact methods, providers or legal requirements change. The date at the top shows when it was last updated.