This privacy policy applies to Cornerstone Mortgage & Finance (/us/we/our). It tells you (the customer) what to expect when we collect personally identifiable information about you.

We will not collect any personally identifiable information about you unless it is in response to you using our website or actively applying for one of our our services. We value your privacy and the security of your personally identifiable information is extremely important to us. The lawful basis by which we are collecting information from you is "the performance of a contract".

This privacy policy is regularly reviewed to make sure that we continue to serve your privacy interests. We reserve the right to update this privacy policy as we deem necessary. Any changes will be posted on our site and if you have an account with us we will email you directly if we deem it necessary.

For the purpose of the General Data Protection Regulation (GDPR) 2018, the registered data controller is Cornerstone Mortgages & Finance Ltd whose registered office is 386b Norwood Road, West Norwood SE27 9AA.

Our Information Commissioner's Office (ICO) registration number Z2467982

When you create an account and complete the 'fact find' form with you, we collect the following information from you:

• Name, address and contact details;

• Employment details;

• Financial information such as banking details, salary, savings, and financial commitments; and

• Any other personally identifiable information necessary for the completion of a mortgage application.

In addition to the above, we collect information from you through your communications with us – for example:

• Identification and address verification;

• Payslips and contracts of employment;

• Self-assessment tax returns and tax year overviews;

• Bank statements;

• Your credit report.

We may also collect personal information from you over the telephone for mortgage or life insurance purposes. We may record telephone calls for training and monitoring purposes.

The information we collect about you will be mainly used for the purpose of applying for a mortgage or any other product or service we offer. There are also other ways in which we will use your information – these are detailed below.

We will use your information to:

• Operate and manage any Cornerstone Mortgage & Finance account you hold with us and any mortgage application(s) you consent to us making on your behalf;

• Procure Insurance policies on your behalf

• Comply with any regulatory obligation we are obliged to; and

• If you have consented we will contact you by any medium you have agreed to or provided us with details of, in relation to our goods and services.

We will hold your personal data on our systems as follows:

• All data pertaining to a completed mortgage application will be kept on our systems for 6 years after completion in line with our regulatory requirements;

• If you have not completed on a mortgage application yet we will keep your data on file as long as you have a Cornerstone Mortgage & Finance account. It is your responsibility to ensure the information we hold is up to date;and

• We may also use your data for internal statistical analysis purposes, although we will anonymise this data.

We may share your information with the following entities:

• Any Cornerstone Mortgage & Finance group company;

• Any regulatory/governmental body, ombudsmen or law enforcement agency who has jurisdiction;

• Any electronic identification firm we use for identification and address verification purposes only;

• A mortgage lender; to allow us to make a mortgage application on your behalf;

• Any third parties that participate in your mortgage journey (e.g. solicitors, valuers and conveyancers);

• Suppliers who process your data on our behalf; we will have written contracts in place with such entities which require them to process your data only in accordance with our instructions; and

• Any person or legal entity to whom we sell or transfer (or initiate discussions with to sell or transfer) our business or any part of it or any of our rights or obligations under any agreement we may have with you. If the transfer goes ahead, you agree that the purchaser can use your data in the same way as us.

We will ensure your data remains within the EEA and as a result is captured under the General Data Protection Regulation. If for any reason we use third parties that are domiciled outside of the EEA any such data storage will undergo further enhanced controls and checks, dependent on the country of storage. We will inform you of any such instance where this may occur.

Your rights under the General Data Protection Regulation (GDPR) 2018

Under the General Data Protection Regulation 2018, you have various rights in relation to your information. Detailed below are your rights and a description of each one.

You have the right to:

• Be informed – this means you have the right to be informed about the collection and use of your personally identifiable data – this is detailed above in more detail.

• Have access to your information – you have the right to access your personally identifiable data and supplementary information. This will be provided free of charge. However, when a request is manifestly unfounded, excessive or repetitive we reserve the right to charge a fee. We may also charge a reasonable fee to comply with requests for further copies of the same information. You can request access to your information by emailing us at michael@Cornerstonemf.co.uk.

• Have personally identifiable information rectified – you have a right to have inaccurate personal data rectified, or completed if it is incomplete. We will inform you when any inaccurate information is corrected.

• Erase your personally identifiable information – the right to erasure is also known as ‘the right to be forgotten’. You can make a request for erasure of information verbally or in writing. We will respond to your request within one month. The right is not absolute and only applies in certain circumstances. For example it does not apply when we have statutory or regulatory obligations to keep your data.

• Restrict processing of personally identifiable data – you have the right to request the restriction or suppression of your personal data. This is not an absolute right and only applies in certain circumstances. When processing is restricted, we are permitted to store the data, but not use it.

• Port your personally identifiable data – this right allows you to obtain and reuse your personally identifiable data for your own purposes across different services. It allows you to move, copy or transfer personally identifiable data easily from one IT environment to another in a safe and secure way, without hindrance to usability.

• Object to the processing of your data – you have a right to object to the processing of your data for purposes of scientific or historical research and statistics, as well as for the purposes of direct marketing (including profiling).

• Challenge any decision made by automated decision making – we will inform you when we are performing automated decisioning and when we do we will give you information about the processing activity. We will introduce simple ways for you to request human intervention or challenge a decision made by automated decision making.

Information security

We pride ourselves on treating your data with the utmost care and security. Our systems meet or exceed industry standards and we are constantly monitoring these to provide improvements where available.

We will never store passwords in plain text, nor will we allow anyone to access your data unless they have a justifiable reason to do so. All of our employees are background checked before they are granted access to your data

Credit decisions, the prevention of fraud and money laundering

Your lender may use credit reference and fraud prevention agencies to help them make decisions. A short guide to what the lender does and how the lender, credit reference and fraud prevention agencies will use your information is detailed below.

If you would like to read the full details of how your data may be used, please contact your lender.

A condensed guide to the use of your personally identifiable information by the lender and at credit reference and fraud prevention agencies

If you apply for a mortgage through Cornerstone Mortgage & Finance, we will provide the information we hold about you to your lender. The lender will use this information to help make its decision about whether or not to lend to you.

Complaints

If you have a complaint about how we handle your data please write to our Compliance Officer, Michael Oladapo:

• By email at michael@Cornerstonemf.co.uk;

• By letter, addressed to: Cornerstone Mortgage & Finance Ltd, 386b Norwood Road, West Norwood, SE27 9AA

• By telephone on 0208 473 1966.

Please include your name and address, a contact telephone number, the email address you signed up with, your application number (if applicable), and details of why you are unhappy. If we do not have enough information to investigate your complaint we will contact you to ask for further information.

We will investigate your complaint promptly and will respond to you as soon as we can detailing our findings of your complaint.

If we have been unable to resolve your information rights concern, you can raise the matter with Information Commissioner's Office (“ICO”). They will use the information you have provided, including our response to your concerns, to decide if your concern provides an opportunity to improve information rights practice.

You can contact the ICO by calling their helpline on 0303 123 1113