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Privacy Policy
Effective March 2020
Please read this Privacy Policy carefully. You must not use our websites or services if you do not accept this Privacy Policy and Terms of Use .

We process your personal data in order to provide you with the services that you request from us. For certain purposes, we may share your personal information with our partners, service providers and regulatory or governmental bodies. We will only hold your personal information for as long as necessary to fulfil the purposes for which we hold that personal information.

To make enquiries or exercise any of your rights as set out in this Privacy Policy, please contact us at dpo@koodoo.io.

Topics covered in this Privacy Policy:

Who are we?
What data do we collect?
How do we collect your date?
How will we use your data?
How do we store your data?
Marketing
What are your data protection rights?
Cookies
Privacy policies of other websites
Changes to our privacy policy
How to contact us
How to contact the appropriate authorities

1. Who are we?

1.1. The mortgageholiday.co.uk website is produced and owned by Koodoo Financial Limited, trading as Koodoo.

1.2. Koodoo Financial Limited has a company number of 11822219 and a registered address of 1 Hammersmith Broadway, London, W6 9DL. Koodoo Financial Limited is registered as a Data Controller and Data Processor with the ICO, with registration number of ZA560572. Koodoo Financial Limited has a subsidiary company, Mortgage Power Ltd (registered company number 10978680).

2. What data do we collect?

2.1. Koodoo collects the following data:
When you access our website, we may collect basic information about your visit, such as your IP address. Please see our Cookie Policy ; If you have accessed our website via a third-party provider, the terms of their Privacy Policy will apply. In these circumstances, we may receive (via the third-party provider) the personal data that is required to enable us to provide you with relevant mortgage information and related services. This personal information may include your name and address, email address, financial data such as current mortgage payments and provider, and other information about your financial status to enable us to match your circumstances to mortgage products;

3. How do we collect your data?

3.1. In some cases, you will provide Koodoo directly with the data we collect. We collect data and process data when you:
Use or view our website (data collected via your browser’s cookies);
Use our website and answer questions that we ask you about your personal/financial situation;
Use our website and request follow up contact from us or a third party (e.g. a lender or broker).

3.2. Koodoo may also receive your data indirectly from the following sources:
Third-party comparison services;
Mortgage information / broker services;
Lender websites.

4. How will we use your data?

4.1. Koodoo collects your data so that we can:

Display relevant content to you on our website;
Provide you with online mortgage product information and recommendations, tailored to your specific needs and circumstances;
Email you with mortgage product information and recommendations, tailored to your specific needs and circumstances;
Ask one of our third party partners to contact you.

4.2. Koodoo may share some aspects of your data with our partner companies for purposes such as:

Data storage and analytics;
Credit checking;
Property valuation;
Mortgage eligibility checking;
Identity verification;
Follow up contact.

4.3. We will provide specific details of any partner companies we share your data with when you access the relevant services on our website.

5. How do we store your data?

5.1. Koodoo takes data security extremely seriously, and we use the highest standards of security in our systems. Your data will be stored at highly secure data centres in the UK, and will be encrypted both in transit and at rest. Strict protections are in place to ensure only authorised people and systems can access your data.

5.2. Koodoo will only store data for as long as is necessary to provide you with the services you requested, or for as long as we are required to hold the data by law (whichever is longer). Once this time period has expired, we will safely delete your data.

6. Marketing

6.1. Koodoo may like to send you information about services of ours that we think you might be interested in.

6.2. If you have agreed to receive marketing, you may always opt-out at a later date.

6.3. You have the right at any time to stop Koodoo from contacting you for marketing purposes.

6.4. If you no longer wish to be contacted for marketing purposes, please email us at preferences@koodoo.io.

7. What are your data protection rights?

7.1. Koodoo would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service;
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete;
The right to erasure – You have the right to request that Koodoo erase your personal data, under certain conditions;
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions;
The right to object to processing – You have the right to object to Koodoo’s processing of your personal data, under certain conditions;
The right to data portability – You have the right to request that Koodoo transfers the data that we have collected to another organization, or directly to you, under certain conditions.

7.2. If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please email us at preferences@koodoo.io.

Alternatively, you can write to us at:

Koodoo Financial Ltd
1 Hammersmith Broadway
London
W6 9DL

8. Cookies

Please see our separate Cookie Policy .

9. Privacy policies of other websites

The Koodoo website contains links to other websites. Our Privacy Policy applies only to our website, so if you click on a link to another website, you should read their Privacy Policy.

10. Changes to our Privacy Policy

Koodoo keeps its Privacy Policy under regular review and places any updates on this web page. This Privacy Policy was created in March 2020.

11. Contact us

If you have any questions about our Privacy Policy, please contact us.

Email us at: dpo@koodoo.io

Or write to us at:

Koodoo Financial Ltd
1 Hammersmith Broadway
London
W6 9DL

12. How to contact the appropriate authority

Should you wish to report a complaint or if you feel that Koodoo has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office. Please see their website at ww.ico.org.uk for contact details.
Brought to you by the team at Koodoo
1 Hammersmith Broadway
W6 9DL
Information
Mortgage Holiday and Koodoo are trading styles of Mortgage Power Limited, which is registered in England and Wales with company number 10978680, and authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
Mortgage Power Ltd is a subsidiary of Koodoo Financial Ltd, which is registered in England and Wales with company number 11822219, and has an ICO registration number of ZA560572. You can check the ICO Register here