Privacy Policy

This Privacy Policy applies to both your online and offline activities (as the mobile application can be used in both an online and offline context) and is valid for visitors to our website and regarding information shared and / or collected there. This policy does not apply to any information collected offline or via channels other than this website and mobile application. By registering with sj-fs.myfinancecentre.com or by using the My SJ Financial Solutions Portal app you expressly consent to our privacy policy and agree to its terms.

For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is SJ Mortgage Solution Ltd, The registered office address is 85-187 High Street, Harborne, Birmingham, West Midlands, B17 9QG.

If you require any more information or have any questions about our privacy policy, or our terms and conditions, please feel free to contact us by email. At sj-fs.myfinancecentre.com we consider the privacy of our visitors to be extremely important. This privacy policy describes the types of personal information which is collected and recorded by sj-fs.myfinancecentre.com and the My SJ Financial Solutions Portal app and how we use it.

WHAT INFORMATION WE REQUEST

To use sj-fs.myfinancecentre.com or the My SJ Financial Solutions Portal app, you must provide your name, address, phone number, and email address. In order to make payments through this service, or third party sites you must provide credit card, debit card or bank account information.

This required information is necessary for us to process transactions, and to protect you against credit card fraud, current account fraud, and contact you should the need arise in administering your account or the sj-fs.myfinancecentre.com services.

We may also require other commercial and/or identification information as is required in order for us to comply with our anti-money laundering obligations under European law.

When you access sj-fs.myfinancecentre.com using a mobile device, we may additionally collect and store device sign-on data (including device ID) and geolocation data in order to provide our services.

USE OF COOKIES

We use cookies, which are small files that are forwarded to your web browser and stored on your computer or device’s hard drive. These files log visitors to the site. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information.

The website does store a “login Cookie”. We may also use cookies to track your preferences whilst you are visiting sj-fs.myfinancecentre.com. This is to minimise load times. Persistent cookies may be used by sj-fs.myfinancecentre.com for example to store whether or not you want your password remembered.

If you wish to disable cookies, you may do so through your individual browser options. If you block cookies be aware that some website functionality may be lost.

DOUBLECLICK DART COOKIE

Google as a third party vendor uses cookies to serve ads on sj-fs.myfinancecentre.com Google’s use of the DART cookie enables it to serve advertisements on sj-fs.myfinancecentre.com based upon your visit to this website and other sites on the internet.

WHAT WE WILL USE YOUR INFORMATION FOR

We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis. We will use this personalised information to keep you informed of areas in which you may have an interest.

We may also want to provide you with related information from third parties that we think may be of interest to you. If you would prefer not to receive communications from us, you can log into sj-fs.myfinancecentre.com and set your communication preferences by changing your settlings profile. Should you have any further queries please tell us by email to enquiries@sjfinancialsolutions.co.uk.

If you decide to provide us with any information, then you expressly authorise us to use your information in accordance with this policy. Additionally, the Financial Conduct Authority (FCA) requires us to make records to evidence the suitability of the recommendations we offer and in most instances, we will be unable to provide you with a product or service if you do not provide us with the necessary information or give us your permission to process and store your data.

WHAT WE WILL NOT USE YOUR INFORMATION FOR

We will not sell / disclose your personal details to any third parties, except when required to do so by law, in response to a valid legal request or when you have explicitly or implicitly given your consent in accordance with this policy or our Terms and Conditions.

WHERE YOUR DATA IS STORED

We will take all reasonable steps to safeguard the security and confidentiality of any information provided to us. We cannot however guarantee the security of any information you disclose. You accept the inherent security implications of providing information over the internet and will not hold us responsible for any breach of security or disclosure of information unless we have been proved to be negligent.

Your data will never be stored by us in any location outside of the European Economics Area (EEA). We will always do our utmost to protect your personal information. Once data is received we use strict procedures and take advantage of specific security features to avoid unauthorised access.

Please see our Terms and Conditions, specifically section 7 (Data Protection Policy) for further references as to how your information will be stored and processed.

DISCLOSURE OF INFORMATION

The information provided to us may be shared internally with employees of 360 Dot Net Ltd or with its associated company, Lifetime Financial Management Limited (company registration number 03652194, Financial Conduct Authority, registration number 448415) in order to deal with your request in the most effective manner possible. We will also share your information with the specific third parties who you have authorised to be linked to your account with sj-fs.myfinancecentre.com in accordance with our terms and conditions.

By using this website or app you agree for your information to be passed onto one of these specialists who will contact you directly to discuss your enquiry further.

We also exchange information with other approved organisations for underwriting and fraud prevention purposes. However, we will only reveal your personal data to third parties if it is necessary for the performance of our agreement with you, you have given your consent or it is required or permitted by law.

If you want to receive details of those credit reference and fraud prevention agencies with who we record information about you please contact us at enquiries@sjfinancialsolutions.co.uk.

In addition, IT personnel who operate and support this facility need to monitor transmissions or observe transactional information to ensure the functioning of sj-fs.myfinancecentre.com. On these and other occasions, such personnel might become aware of the contents of electronic communications. Except as provided for under Lawful Business Practice Regulations, personnel are not permitted to intentionally examine the contents of transactional information or disclose or otherwise use what they have seen, heard or read.

We work with third parties including financial advisers to enable them to accept or facilitate payments from you using the sj-fs.myfinancecentre.com service. In doing so, a third party may share information about you with us such as your email address or phone number, when a payment is made by you.

You also expressly agree and consent to sj-fs.myfinancecentre.com providing transactional information and other information necessary for the use of our mobile application (including point of sale products) to a merchant or another third party who you have selected to purchase from with your sj-fs.myfinancecentre.com profile whilst using the mobile application or point of sale product.

THIRD PARTY SITES

sj-fs.myfinancecentre.com and the My SJ Financial Solutions Portal app contain links to external sites. Please be aware (as per our standard Terms and Conditions) that we are not responsible for the privacy practices of other sites. We strongly advise you to read the terms and privacy statement of each and every website that you use to ascertain how they will store and / process personally identifiable information. This privacy statement only applies to your use of sj-fs.myfinancecentre.com and the My SJ Financial Solutions Portal app.

CHILDREN

Children are not eligible to use our service and we ask that minors (persons under the age of 18) do not submit any personal information to us or use sj-fs.myfinancecentre.com or the My SJ Financial Solutions Portal app.

UPDATES

This Privacy Policy was last updated on 1st November 2014, should we update amend or make any changes to our privacy policy, those changes will be posted here.

ACCESS TO PERSONAL DATA

Under the Data Protection Act 1998 you have the right to make a request for a copy of the personal information we hold about you. We are entitled to charge an administration fee of £10 for answering your request. Please e-mail us in the first instance outlining your request to enquiries@sjfinancialsolutions.co.uk.

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