Privacy Policy

COOKIES & USING THIS WEBSITE

Using The Refresh Mortgage Network Website

By submitting your personal data on our website, you agree to the data being transferred, stored, and processed in line with this policy. We will take all reasonable steps to ensure that your data is treated securely and in accordance with applicable regulations.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. You must not share your password with anyone.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers, and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Cookies

Our website uses cookies to distinguish you from other users of our website. A cookie is a small file of letters and numbers that we put on your computer. Cookies contain information that is transferred to your computer’s hard drive.

The cookies we use are ‘analytical’ cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily.

Below is a description of the ways we intend to use your personal data and the legal grounds on which we will process such data. We have also explained what our legitimate interests are, where relevant, but these may change depending on the service that we provide:

Purpose / activity	Type of data	Lawful basis for processing
To register you as a new customer	Identity Contact	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests to keep our records updated and to study how customers use our products/services
To manage our relationship with you which will include: Notifying you about changes to our terms or privacy policy Asking you to leave a review or take a survey contact you about similar products and services	Identity Contact Profile Marketing and Communications	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests to keep our records updated and to study how customers use our products/services
To make an introduction to a mortgage broker for the purpose of offering you a mortgage product.	Identity Contact	Performance of a contract with you
To deliver relevant content and advertisements to you and measure and understand the effectiveness of our advertising	Identity Contact Profile Usage Marketing and Communications Technical	Necessary for our legitimate interests to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy
To enable you to partake in a promotion, prize draw, competition or complete a survey	Identity Contact Profile Usage Marketing and Communications	Performance of a contract with you Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences	Technical Usage	Necessary for our legitimate interests to define types of customers for our products and services, to keep our site updated and relevant, to develop our business and to inform our marketing strategy
To make suggestions and recommendations to you about goods or services that may be of interest to you	Identity Contact Technical Usage Profile	Necessary for our legitimate interests to develop our products/services and grow our business
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	Identity Contact Technical	Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you	Identity Contact Profile Usage Marketing and Communications Technical	Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)

These cookies do not store any personally identifiable information (PII).

You can disable cookies by adjusting the settings in your browser to reject all or some cookies. However, if you opt to block all cookies (including essential cookies) using your browser settings, you may encounter limitations in accessing certain parts of our site.

CHANGES TO OUR PRIVACY & COOKIES POLICY

Any revisions to our privacy policy will be published on this page and, if necessary, communicated to you via email. We encourage you to check this page regularly for any updates or modifications to our Privacy and Cookies Policy.

Important Notes On Protecting Your Own Data

Please exercise caution regarding cybercrime and safeguarding your personal information online, especially financial details. Avoid transmitting sensitive personal information over unsecured internet connections. We recommend utilising encryption software or utilising the secure online tools provided for transmitting information to us.

Do not respond to emails requesting payment. Never make payments solely based on an email request. Always verify payment requests by contacting the company directly and independently confirming the phone number provided in the email (e.g., through a secure website). If you receive a phone call soliciting payment, ensure the legitimacy of the call before proceeding, or contact the company directly to verify. Refresh Mortgage Network Limited cannot be held responsible if you mistakenly transfer funds to a fraudulent party.

Ensuring the security and proper handling of personal data is of utmost importance in our interactions with you. It is imperative that you comprehend the information we collect, why it is necessary, and how we process your details.