Mortgage Horizons Limited trading as Doddl (doddl) complies with the requirements of the General Data Protection Regulation (GDPR) 2018 and the Irish Data Protection Act 2018.
At doddl we take your data and privacy very seriously and will only use your personal information to provide the products and services you have requested from us. We are committed to respecting and protecting your privacy and want you to feel safe when you give us your personal details. This Data Privacy Statement will inform you of the information we gather and how it is used and for long we maintain your data.
Our principal business is to provide advice and arrange transactions on behalf of clients in relation to Mortgage Products and Associated Insurances. We are a mortgage credit intermediary and mortgage intermediary firm. We act as the service provider between you, the client, and our product providers of the leading financial institutions.
Mortgage Horizons trading as doddl
Regus. 28-32 Upper Pembroke Street, D2
Tel: 01 6624600
Queries in relation to this Data Privacy notice should be directed to our Data Protection Officer at Regus, 28-32 Upper Pembroke Street.
Types of personal data held
We gather record and hold information on you in order to provide you with a product/service. All information is required to provide you with a professional service and/or mortgage, pension or insurance product(s) will be recorded. The chart below outlines what personal information we hold about you and how we use it.
Types of information:
Type of information
Examples of how we use this information
Name, address, date of birth, sex, nationality, PPSN, driving licence, passport
This information is used to identify you and to combat fraud and other illegal activity
Email address, telephone number, technical information such as IP address
We use your contact information to provide you with the products and services you have requested and to respond to enquiries and complaints. We will also use your contact information to contact you or interact with you in connection with the product you currently hold with us or service that we currently provide, for example in order to discuss a change in your mortgage interest rate or a change to your insurance policy.
Information to help us provide the products and services that you have requested
(under the existing relationship)
Financial details, financial circumstances, employment and income details, expenditure, family details and composition, credit history details, account numbers, risk appetite, health information, key relationships such as doctors details, banking details
To determine the most suitable mortgage/associated insurance product such as mortgage protection/life assurance/income protection policy for you.
Any information you provide about other people such as second applicants please ensure you have their consent to us using that information or that you are allowed to use that information.
Information on your physical or mental health
With your consent and to provide you with a life assurance or income protection product we collect and process information you have provided us in relation to your health. We also use this information if you require and request a change to a product/service.
Information from the website
When you undertake the remortgage challenge on our website or contact us via our website, we use this information to contact you and provide you with a suitable product/service.
Information provided by 3rd parties
Information obtained through agreements with third parties such as Financial Institutions/Lenders, Life Assurance Companies
We use this information to help us offer you suitable products and services.
Use of the information we gather
When we collect personal information about you, we tell you why we are asking for the information and what we intend to do with it. You will have the option of not providing the information, although, in these instances, you may not be able to access certain products/services. Our legal basis reason for processing your data is in order to be able to provide you with a retail financial product. We require the information from you to assist our firm to ascertain your actual needs/requirements.
Retention of your Personal Data
Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. Upon lapsing or cancellation of a policy our company policy is to retain our client data for 7 years in order to fulfil our obligations under the Central Bank of Ireland’s Consumer Protection Code 2012 and our obligations under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010.
Sharing information with third parties
Personal data we collect from you, or that you provide to us, will be processed by us, including the data collected in relation to contracts of insurance with insurers for which we act as a mortgage, insurance and investment intermediaries. We share this data with the product providers we hold agencies with. We do not share your data with any other 3rd party.
Mortgage Horizons Limited’s intent is to strictly protect the security of your personal information, only use the data for the purpose that is was collected for and carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure the information we collect from you.
How we protect your information
The internet is not a secure medium. However, we have put in place various security procedures as set out in this policy. Firewalls are used to block unauthorised traffic to the servers and the actual servers are located in a secure location which can only be accessed by authorised personnel. We also keep your information confidential. Our internal procedures cover the storage, access and disclosure of your information.
Data subject rights
You are entitled to know whether we hold information about you and, if we do, to have access to that information and have it corrected if it is inaccurate or out of date.
GDPR sets out the following rights:
- The right to access the personal information we hold on you
- The right to have your personal information sent directly to yourself or another organisation
- The right to have inaccuracies corrected
- The right to object, including in relation to direct marketing
- The right to restrict the processing of information
- The right to have the information erased
The right to complain to the DPC
If for any reason, you are not satisfied with how we store your client data or fail to satisfy a Data request you have the right to make a complaint to the Data Protection Commissioner, see contact details below:
Data Protection Commissioner
21 Fitzwilliam Square, Dublin 2, D02 RD28, Ireland
Ph: 1890 252 231
Fax +353 57 868 4757
If you have any questions or comments about our privacy notice or practices, please contact us:
Tel: 01 6624600
We require your consent to market new products and services. (For existing relationships, we will not market new products or services to you but, per the chart above, we may contact you in relation to the existing product or service we provided you, for example, to discuss a change in your mortgage interest rate or a change to your insurance policy). For new products and services, we will ask you to consent at the beginning of the relationship.
If we intend to further process your personal data for a purpose other than for which the data was collected, we will provide this information prior to processing this data.
15 July 2019