Privacy &
Cookies

The privacy and security of Introducer and customer personal information is very important to us.

We will respect an individual's right to privacy and will not disclose personal information to anyone except with the intermediary's or customer's consent, or if the law, public duty or our legitimate interests require us to.

Any queries about the privacy of this site should be sent to Customer Services Department, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.

We've divided our Privacy Policy into several key areas:

General Policies

Covering email, site monitoring, communicating with us and any links to other sites.

Using personal information

Explains what we do with intermediary and customer information we are given as part of a mortgage application or at any time during the relationship with us, and the circumstances in which we disclose it to other organisations, such as Credit Reference Agencies and Fraud Prevention Agencies.

Mortgage application

Covers how we use customer personal information in the Approval in Principle (Lending Decision) and full mortgage application.

Insurance

Covers the use of customer personal information in relation to any insurance policies we may provide.

Offset savings account

Covers the use of customer personal information should an offset product be selected.

Credit reference agencies

Lists the credit reference agencies we use & the implications of a credit search.

Fraud prevention agencies

Details the fraud prevention agencies used and what we use them for.

The DPA - your rights

Explains your entitlements under the Data Protection Act.

DPA Principles of Good Practice

Sets out the obligations placed on us by the Data Protection Act.

Cookies and how we use them

Explains what cookies are, why we use them and how you can delete cookies from your PC.


Your Security & Privacy

To address any concerns you may have about the security of personal Introducer and customer information when using our web site, this section explains the measures we have taken to protect and make secure any personal information given to us.

We also take the privacy of this personal information very seriously and have established our Privacy Policy to explain this to you.

In building this web site we have used highly recognised, reliable and industry standard technologies to ensure the details you provide are secure and kept confidential. See our Security section for more information.

General policies

E-mail

  • Ordinary e-mail is not secure.
  • Personal information transferred over the Internet may pass through servers in countries without data protection laws.
  • Therefore, we will not use unencrypted e-mails to communicate with intermediaries or customers about accounts, we only use e-mail to request missing documents required for applications and to let you know that confidential information is ready for you to collect by other secure means. In exceptional circumstances we may send you details by email but only at your request, or with your permission.
  • For your own protection, please do not include confidential or other personal information in any unprotected e-mails you send to us.

Site monitoring

We use technical methods (called "cookies") to record details of visits to this site so that we can monitor its use and improve our service.

We only use cookies to record information about visits, not visitors, so the details of your visit will not be linked to you.

Communicating with us

All communications with us may be monitored/ recorded to improve the quality of our service, staff training and for your protection and security.

Links to other sites

This Privacy Policy only covers you while you are on our site. Once you click on a link to another website, the Policy no longer applies.

Using personal information

Using intermediary personal information

By registering as an intermediary you will be consenting to the use of your personal information and other information available to manage your business relationship with us, for fraud prevention and detection, legal and regulatory compliance and market research.

Additional personal information (home address and date of birth) will only be used to remove duplicate records from our database and to link you to the mortgage club / network to which you belong. These personal details will be treated as confidential.

For more details see Other Disclosures of intermediary and customer personal information we may make.

Using Customer personal information

By registering a case with us an intermediary will be consenting on behalf of the customer to the use of their personal information, including any sensitive personal information, as explained below.

Make sure you read about how we make general use of customer personal information together with the specific information for your type of application.

If you do not want your information to be used in this way, please tell us.

Choose from the following to find more details of:

General use of customer personal information

  • We will assume that we may use any of the contact details that you have given us to communicate with you.
  • We will keep your personal information only for as long as is necessary for us to administer the account/products you have in line with regulatory requirements. If you do not open an account with us, we will only keep your details for twelve months from the last date of any contact.
  • If you are making an enquiry or application on behalf of another person, they must have authorised you to act on their behalf, to give us their personal information, to authorise a credit search if necessary and to consent to our use of their personal information as described.
  • We may also share information about you with a joint account holder if they make an enquiry or further application without you being present where they confirm they have your authority to act on your behalf.
  • If we use an automated system to make a decision about you, such as credit scoring, we will tell you (or your mortgage intermediary) if the application is rejected and give you the opportunity to discuss the matter with us. The decision can be reviewed to ensure an appropriate decision has been made.
  • We may disclose details of the progress of your application, including whether or not it has been granted and how you conduct your account, to your broker, independent financial adviser, professional adviser or other intermediary if they sent it to us.
  • We may disclose personal information to our external auditors and regulatory bodies, associate companies' agents, and service providers. Check the other disclosures section for more details.
  • We may occasionally need to transfer personal information to countries outside the European Economic Area (EEA). This will only be done under a contract which includes appropriate safeguards for the security and confidentiality of your personal information, with your consent or where permitted by the Data Protection Act.
  • If we sell or transfer all or part of our business, we may disclose or transfer our customer records as part of the proposed/actual sale or transfer. However, we will only do so under a contract, which protects the confidentiality and security of personal information.
  • We will use your information to process your enquiry, provide any illustrations you require, administer the accounts and services you have with us, contact you where necessary and for general business purposes. This may involve passing your details to third party organisations so they can provide a quote or administer a claim for you. We will only do this where necessary and always under a contract that protects the security of your information.
  • We (Accord Mortgages a subsidiary of Yorkshire Building Society and any trading names of Yorkshire Building Society Group) would occasionally like to keep you up to date with details of products and services supplied by them and carefully selected organisations. This will only be with your permission or if you have not objected and will be by the methods chosen by you. You can request we change this at any time.
  • Any Document provided during or after the application process to help prove identity may be checked with the issuing authority.

Other Disclosures of intermediary and customer personal information

  • We may disclose personal information to
    (i) our external auditors and regulatory bodies and (ii) associate companies (including our parent), agents and service providers, a full list cannot be given, since actual disclosures will depend on circumstances. However, examples include:
  • Banking Code Standards Board, Financial Ombudsman Service, Financial Conduct Authority
  • Intermediaries or agents who send us applications
  • Solicitors and valuers acting for the Company
  • Field agents and tracing agents, HMRC, industry databases (e.g. credit reference agencies, fraud, prevention agencies, insurance)
  • Department for Work and Pensions, authorised agents
  • Letting agents
  • Mailing houses, printers, marketing agents and market research agencies
  • Contractors and consultants who help develop and test computer systems
  • Providers of information technology services
  • Data Processors who act on our behalf.

General Business Purposes

General business purposes for which we process personal information include:

  • verifying the identity of an applicant
  • updating customer records
  • handling customer queries and complaints
  • statistical analysis, including analysis of customer performance and conduct in relation to product and services held, preferences and assessment of products held and suitability
  • devising new products
  • computer system testing.

Sensitive Data

Sensitive Personal Data is defined in the Data Protection Act as information relating to:

  • racial and ethnic origin
  • political opinions
  • religious or similar beliefs
  • trade union membership
  • physical or mental health
  • sexual life
  • commission or alleged commission of offences and related proceedings and sentences.

We only use sensitive information where necessary. We may hold details such as title, gender and country of origin that may infer such things as religion, sex life and race, but we will always treat the information with care.

Sources

We may obtain information from the following sources, where appropriate:

  • the applicant and their representative e.g. financial adviser, solicitor, employer, landlord, lender or medical professional
  • industry databases e.g. credit reference, fraud prevention, insurance
  • available directories e.g. postal address file, telephone directory, socialmedia, internet, news articles
  • our representatives and agents e.g. colleagues, debt recovery agents
  • other organisations to assist in the prevention and detection of crime, tracing agents and field agents.

Mortgage application

Our mortgage application is broken down into two sections, enquiry, Approval in Principle (AIP) and Full Application. Here's how we use customer personal information in each:

Approval in principle (Lending Decision)

  • We will use personal information, including relevant sensitive data for processing an application for Approval in Principle, contacting the intermediary or customer where necessary, general business purposes marketing and market research.

Full mortgage application

  • We will use personal information, together with other information available including relevant sensitive information, e.g. health, nationality, offences or proceedings or other items as appropriate to:
    • process mortgage applications and arrange associated insurance including mortgage indemnity insurance taken out by Accord Mortgages to protect its advance
    • make credit decisions
    • complete mortgage and administer accounts, up to and including redemption
    • contacting intermediary or customer where necessary
    • fraud prevention and detection
    • legal and regulatory compliance
    • marketing and market research
    • general business purposes
  • We may contact H M Revenue & Customs, Department for Work and Pensions, any lender, landlord, employer or professional adviser named on an application to obtain information to confirm any income received and payments made. We may also contact your medical professional representative with your consent to obtain information or confirm a pre-existing medical condition you have informed us of.
  • We may disclose information supplied and details of how an account is conducted, including disputes, arrears and repossession proceedings, to joint account holders who guarantees a loan or their legal adviser.
  • We may disclose guarantor details and payments to account holders or their representatives, when a guarantor exists.
  • We may disclose details of an account, including balance outstanding, interest rate(s) applicable, early repayment charges and monthly payments to potential borrowers if one of the account holders in the future enquires about adding or removing a party to the account (also known as "transfer of equity"). However such a transaction will not proceed without a completed application form signed by all account holders.

Insurance

If Accord Mortgages arranges insurance for

  • Household (Royal & Sun Alliance)
  • Mortgage payment protection (Aviva Insurance Ltd trading as Norwich Union)

Accord and /or the insurer named above may:

  • Disclose information supplied and details of the policy and claims to each other; and to a data administration company, to licensed credit reference agencies, relevant insurance companies and fraud prevention bodies, and this information will be made available to other prospective lenders and insurers.
  • Use your personal information together with other information available (including relevant sensitive data (e.g. health, offences and proceedings or other item as appropriate) to carry out risk assessment, process your application, administer your policy and claims during the life of the policy, contact you where necessary, for fraud prevention and detection, legal and regulatory compliance, marketing and market research and general business purposes
  • Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd. (IDS Ltd). The aim is to help check information provided and also to prevent fraudulent claims. When dealing with a request we may search the register. IDS may also pass on information received from other insurers about other incidents involving anyone insured under the policy.
  • Contact your medical professional representative with your consent to obtain information or to confirm a pre-existing medical condition you have informed us of.

Offset Savings Account

If the customer applies for an Offset savings account

  • We will use their personal information for the purpose of opening and administering the account, contacting the intermediary or customer where necessary, fraud prevention and detection, legal and regulatory compliance, marketing and market research and general business purposes.
  • We will disclose details of the Offset Savings Account to the account provider Yorkshire Building Society and to all borrowers and guarantors (if any) of an Offset Mortgage Account linked to the Offset Savings Account. Disclosures will be limited to information necessary to manage the mortgage and savings accounts. This may include savings account balance, significant withdrawals, account closure, notification that total savings exceed the mortgage balance, or that total savings insufficient to support the payment due and a request to de-link the offset savings account.
  • We may contact a licensed credit reference agency to confirm the applicants identity.

Credit reference agencies

We may undertake a search with Credit Reference Agencies now and in the future for the purpose of verifying identity, financial circumstances and the details submitted, in line with regulatory requirements. The Credit Reference Agencies may check the details supplied against any databases (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. A record of the search will be retained, but will not affect future credit. By proceeding with an application the applicant is agreeing to a search being undertaken in this way.

At Application Stage

When assessing the application, we may carry out a credit reference search with one or more licensed credit reference agencies. This may have implications on future credit worthiness for the applicant.

Whether or not the application to us is successful, each agency will add details of the search, and the application, to their records and will share this information with other lenders and grantors of credit and insurance who will use it when assessing any applications for banking, loan, hire facilities or insurance which the applicant may make in future. They will use it for verifying identity, fraud prevention, debt recovery and tracing debtors. The agencies may also use the information for statistical analysis and market research.

We may from time to time carry out an additional credit search for account management purposes but this will not affect future creditworthiness.

We may disclose details of how the account is conducted, (including arrears, defaults and repossession proceedings), to credit reference agencies and fraud prevention bodies.

We use the following credit reference agencies for credit searches and identity checks:

Experian Equifax
Consumer Support Centre Experian
P.O. Box 8000
Nottingham NG80 7WF
Website: www.experian.co.uk
Credit File Advice Centre Equifax
P.O. Box 1140
Bradford BD1 5US
Website: www.equifax.co.uk
  • Individuals have the right to apply to them for details of information they hold, subject to payment of a fee, currently £2. Any letter must include:
    • full name - (title, forename, 2nd initial, surname and maiden name, if appropriate).
    • details of all addresses lived at over the last 6 years -(including town, county, postcode and date moved).
    • a cheque or postal order, payable to either Equifax or Experian, for £2.
    • the date and a signature to formally authorise the Credit File request.

Fraud prevention agencies

If false or inaccurate information is provided and fraud or money laundering is identified, details will be passed to fraud prevention agencies and or Law enforcement agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • checking details on applications for credit, credit related or other facilities
  • managing credit and credit related account or facilities
  • recovering debt
  • checking details on proposals and claims for all types of insurance
  • checking details of job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Accord Mortgages share information with its parent company Yorkshire Building Society (and trading names of the Yorkshire Building Society Group) for fraud prevention, customer and account administration, and general business purposes. We also help to prevent fraud by sharing information with our Regulators, the Financial Conduct Authority, and intermediary companies such as the mortgage broker, mortgage club and network involved in your application.

The fraud prevention agencies we use include:

The Data Protection Act and Your Rights

The Data Protection Act aims to protect the rights and freedoms of individuals about whom personal information is processed. The Act is enforced and overseen by the Information Commissioner.

The Act requires any organisation that processes personal information to comply with principles of good practice.

Your rights

Under the Act individuals have a right to:

  • Know how personal information is used. When an individual registers an enquiry or completes an application form they are consenting to the use of personal information.
  • An adequate level of security for their personal information: see our Security section.
  • Object to direct marketing. Individuals can choose not to receive direct marketing. However we do not market to account holders directly, we will tell your intermediary about our products so they can advise you. The exception to this is if you subsequently choose to deal directly with Accord Mortgages for any further lending. At this point, we may send you direct marketing relating to Accord Mortgages products (you can opt out of this). If you have any queries please contact:

    Customer Services Department
    Accord Mortgages Ltd.
    Yorkshire House
    Yorkshire Drive
    Bradford
    BD5 8LJ
  • If you do not wish to receive unsolicited mail from other organisations you can register your details with the different preference services run by the Direct Marketing Association. For more information see www.dma.org.uk
  • Challenge automated decisions: If a computer makes a decision affecting you e.g., automated credit scoring), you have the right to discuss this with us and the decision can be reviewed to ensure that an appropriate decision has been made.
  • Obtain a copy of personal information that we hold. This is a subject access request. We may charge a fee of £10 to process a request. To obtain a copy of personal information held by us, the request must be made in writing. A Subject Access Request Form is available and must be completed by the applicant. The form can be printed and returned to:

    Data Protection Department
    Yorkshire House
    Yorkshire Drive
    Bradford
    BD5 8LJ
  • Have incorrect personal information corrected. If an individual can demonstrate that their personal information is inaccurate, we will correct it.
  • Compensation if we breach the law and damage is suffered. If you suffer loss or damage because we do not comply with the Data Protection Act, you may be entitled to compensation.
  • Invoking your rights. If you have queries relating to the use of their personal information, please contact us.
  • Assessment by the Information Commissioner. The Information Commissioner may carry out an assessment of the processing of personal information by any company.

Data Protection Act - Principles of Good Practice

We must make sure that your personal information is:

  • Processed fairly and lawfully and only processed if certain conditions are met.
  • Obtained only for one or more specified and lawful purpose(s), and not further processed.
  • Adequate, relevant and not excessive in relation to the purpose or purpose(s) for which it was collected.
  • Accurate and, where necessary, kept up to date.
  • Kept for no longer than is necessary for the purpose(s) for which it was collected.
  • Processed in accordance with your Rights under the Data Protection Act.
  • Protected by appropriate technical and organisational measures against unauthorised or unlawful processing or accidental loss, destruction or damage.
  • Not transferred to a country or territory outside the European Economic Area there is an adequate level of protection, with your consents or where permitted by the Data Protection Act.

Cookies

Site monitoring

We use technical methods (called "cookies") on this website. A cookie is a small file of letters and numbers that allows us to:

  • Identify what stage in an application process you are at
  • Improve your experience by making it quicker and easier for you to use the site
  • Identify how effective our advertising is and provide you with information in the future we believe is relevant to you.

Temporary or session cookies are also needed for you to log in and to manage your savings and mortgage accounts.

No personal information is captured unless you proceed with an application at which point details of where your enquiry originated may be linked to your customer record. By continuing with an enquiry/ application you will be consenting to the use of cookies as explained.

Important: By using our website, including making an enquiry/application or logging in, you are consenting to the use of cookies as explained above.

Managing / Blocking cookies

You can manage cookies from this site, including blocking or deleting them, by changing the settings in the browser you use, e.g. Internet Explorer, Mozilla Firefox, Google Chrome, etc. Find out how you can do this by visiting www.allaboutcookies.org/manage-cookies/

Note: Deleting cookies from this site may affect your experience and parts of the site may not work.