Privacy Policy

How we will handle your personal data and protect your privacy.

A guide to how we meet the requirements of the Data Protection Act.

Making sure personal data is secure and properly dealt with is of paramount importance in our dealings with you. It is therefore important you understand what information we will take, why we need it, and how we will process your details.

Who will process my data?

Paul Goldsmith trading as Goldsmith Mortgage Services is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. As such, both Paul Goldsmith trading as Goldsmith Mortgage Services and HL Partnership Limited will process your data in order to provide our services.

What data will you ask me for?

In order to fully understand your financial needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences. Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will need to be passed on to the companies whose products you apply for.

Do I have to provide my personal data?

In order for us to be able to give you suitable advice, we need you to provide all the information we ask for as openly and honestly as possible. If you prefer not to disclose some information, please tell us that you prefer not to disclose it and we will assess whether this will alter or impede the work we are doing for you.

How will you use my data?

The primary reason we will use your data is to allow us to do the job you’ve asked us to do. Specifically, we will use your data to:

Assess and provide advice to meet your needs and circumstances;
Introduce you to a range of product and service providers in order to meet your requirements;
Administer cases and assist processing of applications;
Tell you about any changes to products and service we have arranged for you;
Inform you about products and services we think may be suitable for you (unless you ask us not to send you this information).

We may also process your information in order to meet our legal and regulatory requirements. These may include:

Complying with the regulations set out by the Financial Conduct Authority and other regulators as required;
Preventing financial crimes such as money laundering and fraud by passing your details to other relevant bodies such as the police and National Crime Agency where required.

We may also process your personal data for our own legitimate interests. Typically, these would be limited to:

Analysing our business for trends and research how we can improve our services to customers;
Reviewing the work we have carried out for you to ensure we have met the regulations and quality standards;
Ensuring we are able to exercise or defend legal challenges in the future.

HL Partnership Limited will use your data to monitor and assess our work to ensure we have provided a high standard of service and met our legal and regulatory commitments.

How long we will store your data?

We will only keep your personal information as long as necessary. How long that is depends on the type of data and the nature of the work we have carried out. In most cases, your personal data will be stored for an indefinite period as we need to keep evidence that we have fulfilled our legal and regulatory requirements.

Can I see a copy of my personal data?

Yes. Please write to our Data Controller (details below) and we will provide a copy of any personal data we hold about you within one calendar month of receiving your request. Please note that we may need to verify your identity before providing the information.

What if my data is incorrect or incomplete?

You have the right to have your data corrected or completed by contacting our Data Controller in writing (details below). Please be aware that we need to maintain records of information as it was at the time of the advice or the transaction taking place.

Can I have my data erased?

If we have provided you with advice or processed a transaction on your behalf, we will not normally be able to erase your personal data. This is because we are obliged to maintain records of our advice and transactions to meet our regulatory requirements and in case we need to exercise or defend legal claims in future.

Who is the Data Controller?

Name	Paul Goldsmith	HL Partnership Limited
Address	Goldsmith Mortgage Services41 Sundale Avenue Prescot L35 7JZ	6 Merus CourtMeridian Business Park Leicester LE19 1RJ
Telephone	01514264511	03300 552651
Email	Info@goldsmithmortgages.co.uk	compliance@hlpartnership.co.uk
Data Controller Registration	Z2096683	Z8588911

How can I get more information?

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

The Data Protection Officer, HL Partnership Limited, 6 Merus Court, Meridian Business Park, Leicester, LE19 1RJ

Email: compliance@hlpartnership.co.uk

If you’d like to make a complaint about how we have handled your personal data…

…please write in the first instance to The Data Protection Officer at the above address.

If you are not satisfied with the Data Protection Officer’s response, you can make a complaint to:

Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Telephone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)

Email through their website at: https://ico.org.uk/concerns/

Important Notes on Protecting your own Data

Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. Neither Goldsmith Mortgage Services nor HL Partnership will take responsibility if you transfer money to a fraudster in error.

Cookies

Cookies are very small text files that a website saves to your computer’s hard disk. The purpose of a cookie is to store any information that you give about yourself, or to save your preferences.

At a basic level, cookies will:

allow our website to work properly, and help keep it secure
help us understand how people use the website
make the site easier to use by remembering information that you’ve entered
improve your experience by showing you information that’s relevant to you.

The cookies we use let our website store certain types of information, and not others.

Our website will:

– make sure your logged in session is secure

– remember information you’ve entered to save you entering it again

– store your results when using our tools and calculators

– allow you to share pages with social networks

– remember your search settings

– tailor content to your needs

– allow you to comment on our blog

Our website will not:

– store your password, to keep your account secure

The types of cookies we use

There are lots of different cookies with different purposes. The ones we use fall into the following categories:

Necessary cookies – These cookies let you move around our websites and use all the features. Without them, you wouldn’t be able to do things like use forms to apply for products. These cookies also help keep your online session secure.
Performance cookies – These simply help us improve the way our website works. They tell us how people use each page, which ones are viewed most often, or whether any errors occurred.
Third party cookies – These cookies are placed on a user’s hard disk by a Web site from a domain other than the one a user is visiting.
Targeting cookies – These cookies help make sure the adverts you see on your screen are relevant and useful to you.
Remarketing cookies – These cookies are placed on a user’s hard disk during their visit to our website and generate adverts that are aimed at encouraging you back to our website.
Social media cookies – These types of cookies mean that you can share content from our website on your own social media.

Consent

By using our website, you’re consenting to us using cookies in the ways described above. But if you change your mind, you can alter your cookie settings at any time through your browser settings.

Changing your cookie settings

We recommend that you don’t change your cookie settings, as blocking some or all of them may affect how well our website performs for you. But if you do decide to change them, you can do this through your browser. Each browser works in a different way, so a good place to start is by searching ‘cookie settings’ in your browser’s help section.

To find out how to delete cookies, please refer to the ‘how to delete cookies’ section below.

Necessary cookies

Necessary cookies are only placed on your hard disk by our websites, and not by any third parties.

Our necessary cookies will:

enable our web applications to work
help keep your browsing and account sessions secure

Our necessary cookies won’t:

store information on how you use our website
send any information to third parties

Session & Typo3 Content Management Cookie:
We use session cookies to record an individual users preferences that the user has specified, so that each time the user returns their preferences remain. Commonly this would be language settings, shopping carts, anything where you have indicated a preference. Where forms are used on the site, we hold the information in a session cookie so that we can improve the user experience on the site. Should a user, for example, forget to fill in parts of a form when submitting a form, we can auto-fill the values for those fields that have been filled in, thereby reducing the amount of fields a user needs to amend. This information is stored only in your browser and is destroyed once your browser is closed.

AdInsight:
AdInsight (ADI) is a phone call analytics tool, used by companies to understand the customer interaction between the website and calling the company. Three cookies are used by AdInsight to help demonstrate this journey so the business can improve their customer experience. The adiV cookie contains an identifier which is used by AdInsight to track a visitor over time. This allows AdInsight to show multiple visits made by a customer over time from the same browser. This cookie is set to expire 1 year after the visitor leaves the website.

To make you aware, it’s a condition of using our websites to accept these cookies. If you block them, we can’t guarantee or predict how our website will perform.

Performance cookies

Performance cookies are placed on your hard disk by our websites or by third parties who provide specialist information to us. For instance, when people access our websites or apps we use our own technology, and technology supplied to us by partner companies, to collect and analyse information about how our websites are being used. We need to use cookies or similar technologies to do this.

Examples of the information collected include:

What content people view, their browsing actions and how they interact with our websites
The time and date that people use our websites or apps
Inputs made and values submitted to our tools and calculators, where this is relevant to our analysis
What leads people to our websites
What technology people use to access our website or apps
The general geographical location that people access our websites from (e.g. city/town)
Identifiers such as visitor number or IP Address that may allow the information collected to be linked to an individual

Our performance cookies allow us to:

Understand how our websites are used so we can make them better for our customers
Measure the performance of our websites
Test different versions of our websites
Understand what technologies we should design our website or apps to work with
Track trends to help us plan for the future
Link website and apps activity to other channels that people use to contact us (such as phoning), to find ways to improve our service

Our performance cookies won’t:

Store personal information on your device beyond your current visit to our website

Google Analytics
These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site for you. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Cloudflare
The __cfduid cookie is set by the CloudFlare service to identify trusted web traffic. It does not correspond to any user id in the web application, nor does the cookie store any personally identifiable information.

ResponseTap
Cookies from ResponseTap allow us to collect information about how visitors use our website and how they contacted us. We use the information to compile reports and to help us improve the site for you.

Third party cookies

Content or applications provided by our following key suppliers are covered by their own policies:

Google Analytics – Visit their site for their full privacy policy.

Please note, Goldsmith Mortgage Services is not responsible for the content of external websites.

Targeting cookies

Some of our targeting cookies are placed on your hard disk by our websites, and others are placed by third parties, including advertisers. For example, we use call tracks to find out where on our site calls were made from.

Our targeting cookies allow us to:

Track referrals to our websites from third party companies
Understand your activity on our website or by phone to provide you with content that is more relevant to you, which will help you on your online journey

Our targeting cookies won’t:

Store or share any secure information about you

If you prefer, you can choose to just turn off advertising cookies by blocking specific companies. You’ll still see adverts on the internet, but they might not be tailored to your likely interests or preferences.

You can set your advertising preferences here. This link will open in a new window, so you can keep reading this document.

Remarketing

You may notice that sometimes after visiting a site you see increased numbers of adverts from the site you visited. This is because advertisers, including ourselves pay for these adverts. The technology to do this is made possible by cookies and as such we may place a so called “remarketing cookie” during your visit.

We use these adverts to offer special offers etc. to encourage you to come back to our site. Don’t worry we are unable to proactively reach out to you as the whole process is entirely anonymised. You can opt out of these cookies at any time.

Social media cookies

These types of cookies mean that you can easily “Like” or share our content on sites such as Facebook and Twitter, also sharing buttons on our website.

HOW TO DELETE COOKIES

To remove or prevent cookies being stored on your computer in the future, please refer to your internet browsers instructions. For more information on how to delete cookies click here.

CHANGES TO OUR PRIVACY & COOKIES POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy and Cookies Policy.

Important Notes on Protecting your own Data

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. HL Partnership Limited will not take responsibility if you transfer money to a fraudster in error.