Privacy Policy

We aim to protect your privacy

We only use information that we collect about you for purposes of improving this Website and the service Pepper Money offers to its clients and we only share it within the Pepper Money Group (meaning Pepper Money Limited and Pepper Money (PMB) Limited), as further detailed below.

Information correct at: June 25, 2022 4:42 am

Welcome to the Pepper Money privacy policy.

Pepper Money respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

This privacy policy is provided in a layered format so you can click through to the specific areas set out below. 

Purpose

This privacy policy aims to give you information on how Pepper Money collects and processes your personal data through:

  • your use of this website (including submitting an enquiry to us); and/or
  • any data you may provide when entering into a contract with us;

This website is not intended for children.

It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them.

Controller

UK Mortgage Lending Limited (trading as Pepper Money) is the controller and responsible for your personal data (“Pepper Money”, “we”, “us” or “our” in this privacy policy).

Pepper Money belongs to the Pepper Money UK Group and the global Pepper group of companies (Pepper Group), a group of different legal entities located around the world. [You can find more details about the Pepper Money UK Group and the Pepper Group here:]

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact the DPO using the details set out below.

Contact details

If you have any questions about this privacy policy or our privacy practices, please contact our DPO in the following ways:

Full name of legal entity: UK Mortgage Lending Ltd

Email address: DPO@pepper.money

Postal address: 4 Capital Quarter, Tyndall Street, Cardiff CF410 4BZ

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

This privacy policy may be updated from time to time. This means we may send you an updated copy (depending on whether we are required to do that or not). You can also check [LINK] so that you can read the up-to-date version.  [For access to historic versions, please contact us.]

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third party links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements and/or policies. When you leave our website, we encourage you to read the privacy policy of every website you visit.

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We process your personal information for the primary purpose of providing our services, as a [commercial and residential (including first and second charge)] mortgage provider, to you.

The information that we generally process in connection with these services includes:

Identity Data
• Your full name and title;
• Your home address, correspondence address (where different from your home address), email address, home and mobile telephone numbers.
• Your address history;
• Your date of birth and/or age;
• Identification documents including document type, date of expiry and country of issue;
• A short video of yourself when you set up an account with us via a Secure Communications Network (for more information, please see the end of this section);
• Your e-signature;
• Your nationality, if this is necessary for us to comply with our legal and regulatory requirements;
• Records of how you have contacted us and, if you get in touch with us online, details such as your mobile phone location data, IP address and MAC address;

Financial Data
• Details of shareholdings, prominent functions, directorships and/or employment including for instance your occupation, salary, employer and length of service;
• Where relevant, information about any co-director or guarantor which you provide in any application
• Information about your employment status including whether you are employed, retired or receive benefits;
• Performance of your mortgage;
• Where relevant, in relation to adverse credit, information about creditors and supporting references;
• Bank account and payment card details.

Residency Data;
• Information about your occupier status, such as whether you are a tenant, live with parents or are an owner occupier of the property in which you live at the time of your application;
• Information which is relevant for your residency and/or citizenship status, such as your nationality, your length of residency in the UK and/or whether you have the permanent right to reside in UK;
• For residential customers, your marital status, family, lifestyle or social circumstances if relevant to the mortgage product (e.g. the number of dependents you have or if you are a widow or widower);

Credit Reference Agency Data
• Personal information which we obtain from Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (see the section on ‘Fraud Prevention Agencies’ below);
• Some special categories of personal data such as about your health or if you are a vulnerable customer (more details below).

Technical and Profile Data
• Details of your services with us including for instance application information, (including on-line applications) affordability assessments, (including on-line calculators, tools and guides) credit history, customer ID number, account number, account balance, account history, security or collateral held by us, and details relating to any other signatories and/or guarantors;
• Security identifiers including for instance mother’s maiden name;
• Your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
• Information about how you use our website, products and services.
• Details about payments to and from you and other details of products and services you have purchased from us.

Marketing and Communications Data
• Information you have provided in receiving marketing from us and/or companies within the Pepper Group and your communication preferences.

Aggregated Data

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

Using our video facing services

You can apply for some of our products and services using a video session from your mobile device to verify your identity and contact details.

If you use our video facing service both the images and the audio will be recorded and may be used for training and monitoring services. We’ll use any personal data captured about you for the performance of a contract or/with a view to entering into a contract with us as well as for our legitimate interests for good governance, accounting, managing and auditing our business operations, and to monitor emails, calls other communications in relation to dealings with us.

For your own privacy and protection please ensure that your location doesn’t include items and images that you don’t wish to be recorded.

If you fail to provide personal data

We are unable to provide you with products and services or to process your application without having personal information about you. Your personal information is required before you can enter into the relevant contract with us, and/or it is required during the life of that contract, and/or or it is required by laws that apply to us. If we already hold some of the personal information that we need – for instance if you are already a customer – we may not need to collect it again when you make your application.

In cases where providing some personal information is optional, we will make this clear in any discussions regarding the provision of that information. For instance, we will say in application forms, or via the broker or other intermediary, if the alternative (such as work) telephone number can be left blank.

Commercial applicants, joint applicants, guarantors and powers of attorney

If you make a joint application with your spouse, partner or family member, or an application on behalf of a company we will also collect the personal information mentioned above about that person, or where relevant, co-director. You must show this privacy policy to the other applicant and ensure they confirm that they know you will share it with us for the purposes described in it. If you look at section 5 (“How we use your personal data”) below, you will see reference to consent and a description of some limited scenarios where it may be relevant to what we do with personal information. If we ask you to obtain consent from the joint applicant (such as for marketing) you should do that using the consent capture mechanism that we give or make available to you for that purpose.

If you apply for your mortgage with a guarantor, that person will see a condensed version of this privacy policy when he/she submits his or her own personal information to us because he/she must necessarily sign the application form. They will also be able to access the privacy policy via our website.

If there is somebody who has power of attorney over your affairs, then we will notify that person of this privacy policy when we make contact with him/her directly.

Direct interactions

We will generally collect your personal information from you directly, including application forms, correspondence, email, telephone, or via our website. If you are introduced to us by a broker or other intermediary, we will obtain some personal information about you indirectly from them when they introduce you to us. 

Third party and publicly available sources

In addition, we may obtain your personal information from other sources such as Fraud Prevention Agencies, Credit Reference Agencies, your employer, landlord, other lenders, HMRC, DWP, publicly available directories and information (e.g. telephone directory, social media, internet, news articles), debt recovery and/or tracing agents, other organisations to assist in prevention and detection of crime, police and law enforcement agencies.

Some of the personal information obtained from Credit Reference Agencies will have originated from publicly accessible sources. In particular, Credit Reference Agencies draw on court decisions, bankruptcy registers and the electoral register (also known as the electoral roll). We explain more about Credit Reference Agencies below. We have also mentioned above in the lists of personal information that we process some of the Credit Reference Agencies’ other sources of information (which are our own source of information too).  

When a broker or other intermediary processes your personal information on our behalf, this privacy policy will apply and you should contact us to exercise your rights under data protection laws. When a broker or other intermediary processes your personal information as a data controller in its own right, its own privacy policy will apply and you should ask them for a copy if you do not have one by the time you are introduced to us.

We may also obtain Technical Data (defined in section 4) from the following third parties: analytics providers [such as Google based outside the UK];

advertising networks [such as Facebook, Google, Bing based outside the UK]; and search information providers [such as Google and Bing based outside the UK].

We may obtain Identity Data in the form of video facing (facial recognition) technology to verify identity.

Secure Instant Messaging
We in our sole capacity or in conjunction with a broker or other intermediary engaged by us, may process your personal information to set up and administer your account. The secure instant messaging platform will be used to:
• provide data and personal information as part of joining and applying for a [mortgage] with us;
• provide images of documentation and yourself to support our identification checks, fraud and money laundering controls; and
• to discuss any queries about your account.

Electronic Signatures
We utilize electronic signature applications to enable contracts and notices to be signed. In utilizing such tools our employees, brokers acting on our behalf, third party suppliers and you may provide limited personal data for the purposes of:
• business execution and in particular for the conclusion and execution of agreements between us and you;
• for compliance with legal or regulatory requirements including litigation and defence of claims; and
• for the prevention, detection and investigation of fraud.

Automated technologies or interactions

As you interact with our website, we will automatically collect some Technical and Profile Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies  [server logs] and other similar technologies. [We may also receive Technical Data about you if you visit other websites employing our cookies.] Please see section 16 ’Cookies’ below for further details.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Where we need to perform the contract we are about to enter into or have entered into with you.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

Purposes for which we will use your personal data

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Purpose/Activity

Type of Data

Lawful basis for processing including basis of legitimate interest

All stages and activities relevant to your application including enquiry, assessing your eligibility, application administration, issuing documents including offers and illustrations, requests for transfers of equity, and setting up/changing/removing guarantors

(a)  Identity Data

(b)  Financial Data

(c)  Residency Data

(d)  Credit Reference Agency Data

(a)  Performance of a contract with you

(b)  Necessary to comply with a legal obligation

All aspects of administering and managing your account(s) and related services, including updating your records, tracing your whereabouts to contact you about your account, to assess your credit worthiness and doing this for recovering debt.

(a)  Identity Data

(b)  Financial Data

(a)  Performance of a contract with you

(b)  Necessary to comply with a legal obligation

(c)  Necessary for our legitimate interests (to recover a debt due to us)

To carry out searches at Credit Reference Agencies pre-application, at the application stage, and periodically after that. Where you have been introduced to us by a broker or other intermediary they may do these searches on our behalf.

(a)  Identity Data

(b)  Credit Reference Agency Data

(a)  Necessary for our legitimate interests

(b)  Necessary to comply with a legal obligation

Sharing your personal information with payment services providers such as when you ask us to share information about your account with them.

(a)  Identity Data

(b)  Financial Data

(a)  Performance of a contract with you

(b)  Consent

For some of our profiling and other automated decision making (see section 14 for more information).

(a)  Identity Data

(b)  Technical and Profile Data

(a)  Performance of a contract with you

(b)  Consent

(c)  Necessary for our legitimate interests

To test the performance of our products, services and internal processes and advise you in relation to products and services.

(a)  Identity Data

(b)  Technical and Profile Data

(c)  Marketing and Communications

(a)  Necessary for our legitimate interests (to improve our products and services and grow our business)

(b)  Consent

To respond to requests and adhere to guidance and best practice under the regimes of governmental and regulatory bodies such as HMRC, the Financial Conduct Authority, the Ombudsman, the Information Commissioner’s Office and under the Financial Services Compensation Scheme.

(a)  Identity Data

(b)  Financial Data

(a)  Necessary to comply with a legal obligation

(b)  Necessary for our legitimate interests

For management and audit of our business operations including carrying out monitoring, keeping records, accounting and for the purpose of obtaining insurance.

(a)  Identity Data

(b)  Technical and Profile Data

(c)  Marketing and Communications Data

(a)  Necessary to comply with a legal obligation

(b)  Necessary for our legitimate interests

To administer our good governance requirements and those of other members of the Pepper Group.

(a)  Identity Data

(b)  Financial Data

Necessary for our legitimate interests

Asking you to leave a review or take a survey.

(a)  Identity Data

(a)  Performance of a contract with you

(b)  Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)

For direct marketing communications including to enable you to partake in a prize draw or competition.

(a)  Identity Data

(b)  Marketing and communication

(a)  Consent

To process information about a crime or offence and proceedings related to that (in practice this will be relevant if we know or suspect fraud).

(a)  Identity Data

(b)  Financial Data

(c)  Credit Reference Agency Data

Necessary to comply with a legal obligation

To deal with requests from you to exercise your rights under data protection laws.

(a)  Identity Data

Necessary to comply with a legal obligation

To carry out identity checks, anti-money laundering checks, and checks with Fraud Prevention Agencies preapplication, at the application stage, and periodically after that. Where you have been introduced to us by a broker or other intermediary they may do these searches on our behalf.

(a)  Identity Data

(b)  Financial Data

(c)  Credit Reference Agency Data

Necessary to comply with a legal obligation

  

(a) Consent

For some of our processing of special categories of personal data such as about your health or if you are a vulnerable customer (and it will be explained to you when we ask for that explicit consent what purposes, sharing and use it is for).

Identity Data

(a) Consent

(b) Substantial public

(c) Performance of a contract with you.

Much of what we do with your personal information is not based on your consent, instead it is based on other legal grounds. For processing that is based on your consent, you have the right to take back that consent for future processing at any time. You can do this by contacting us using the details above. The consequence might be that we cannot send you some marketing communications or that we cannot take into account special categories of personal data such as about your health or if you are a vulnerable customer (but these outcomes will be relevant only in cases where we rely on explicit consent for this).

We will tell the broker or other intermediary who introduced you to us that you have withdrawn your consent only if it is our data processor (this means an organisation who is processing personal information on our behalf) or if we are required to do when you exercise certain rights under data protection laws. You should make sure to contact them directly to withdraw your consent for what they do with your personal information as a data controller in their own right.

To comply with payment services regulations we have to share some of your personal information with other payment service providers in some circumstances such as when you ask us to share information about your account with them. Whilst those payment services regulations mention ‘consent’ for this, ‘consent’ in that context does not have the same meaning as ‘consent’ under data protection laws. The legal grounds which may be relevant to this are compliance with our legal obligations, performance of our contract with you, our legitimate interests, or a combination of these. This is why if you ask to withdraw consent from what we do with your personal information, we may still have to hold and use your personal information where we need to have it in relation to the payment services regulations.

We work hard to protect your personal data. We use both technical and procedural methods to maintain the integrity and security of our databases, encryption for data transfer, firewalls and restricted access to data.

The safety and security of your data also depends on you. You should never share your account information such as your password or login with anyone else.  If you believe anyone has unauthorised access to your account you should contact us promptly.

What do we do with your data and who do we share it with?

We may share your personal data with the parties set out below for the purposes set out in the table above:

  • Internal third Parties including members of the Pepper Group;
  • External third parties such as:
  • Your guarantor (if you have one);
  • Joint account holders, co-directors, trustees and beneficiaries and any person with power of attorney over your affairs (in each case only if relevant to you);
  • Credit reference agencies and fraud prevention agencies (see section 10 below);
  • Other payment services providers such as when you ask us to share information about your account with them;
  • Other account holders or individuals when we have to provide your information to them because some money paid to you by them should not be in your account;
  • The broker or other intermediary who introduced you to us;
  • Our legal and other professional advisers, auditors and actuaries;
  • Financial institutions and trade associations;
  • Governmental and regulatory bodies (including but not limited to) such as HMRC, the Financial Conduct Authority, the Financial Ombudsman Service, the Information Commissioner’s Office and under the Financial Services Compensation Scheme;
  • Tax authorities who are overseas for instance if you are subject to tax in another jurisdiction we may share your personal information directly with relevant tax authorities overseas (instead of via HMRC);
  • Other organisations and businesses who provide services to us such as debt recovery agencies, back up and server hosting providers, IT software and maintenance providers, document storage providers and suppliers of other back office functions;
  • Insurers of any asset securing or proposed to secure your liabilities
  • Buyers, counterparties, rating agencies and other relevant parties and their professional representatives as part of any actual or potential restructuring or sale of any or all of our assets (including by way of a securitisation or similar transaction); and Market research organisations who help us to develop and improve our products and services.

We are based in the UK but sometimes your personal information may be transferred outside the UK or the European Economic Area. If it is processed within Europe or other parts of the European Economic Area (EEA) then it is protected by European data protection standards. Some countries outside the EEA do have adequate protection for personal information under laws that apply to us. We will make sure that suitable safeguards are in place before we transfer your personal information to countries outside the EEA which do not have adequate protection under laws that apply to us.

Where the borrowing is on behalf of a company, we will obtain a Credit Safe Report; this will involve the transfer of personal information outside of the EEA.  We confirm that there are adequate safeguards in place to protect the transfer of your personal data outside of the EEA.

For more information about suitable safeguards and (as relevant) how to obtain a copy of them or to find out where they have been made available you can contact us using the details above.

Credit reference agencies

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies. Where you take mortgage services from us we may also make periodic searches at Credit Reference Agencies to manage your account with us. To do this, we will supply your personal information to Credit Reference Agencies and they will give us information about you. This will include information from your credit application and about your financial situation and financial history.  Where you are making a commercial application this will include information about you and any co-directors.  Credit Reference Agencies will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. 

We will use this information to:

  • Assess your, or where the borrowing is on behalf of a company, your company’s creditworthiness and whether you/it can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with Credit Reference Agencies while you have a relationship with us. We will also inform the Credit Reference Agencies about your settled accounts. If you, as a residential customer, borrow and do not repay in full and on time, Credit Reference Agencies will record the outstanding debt. This information may be supplied to other organisations by Credit Reference Agencies. The identities of the Credit Reference Agencies, their role as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the Credit Reference Agencies are explained in more detail in the separate leaflet which we refer to later on in this privacy policy.

When Credit Reference Agencies receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a commercial application, a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. Credit Reference Agencies will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the Credit Reference Agencies to break that link.

Fraud prevention agencies

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by accessing the following link Fair Processing Notices for Cifas’ Databases | Cifas

When your personal information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your personal information.

However, most of the personal information is or will be stored by us for a maximum of twelve years after your account is closed, unless a longer retention period is required in case of: queries from you; legal claims by you; and/or legal or regulatory requirements to which we are subject. If you would like further information about our data retention practices, please contact us.  

If your application is unsuccessful

If your application is unsuccessful or if you decide not to proceed on the rate we have proposed we will retain some of your personal information related to the application or the pre-application quotation searches (including if you applied through a broker or other intermediary) for the following legitimate interests:

  • First, we have a legitimate interest in managing the risk to our business of money laundering, fraud and other crimes and in meeting our legal and regulatory obligations in these circumstances. We have to be able to identify where there is a particular risk of these serious issues arising. For example, if an individual (or individual on behalf of a company) resubmits the application or makes a second enquiry pre-application for a rate quotation, and if he or she does this through a different broker or intermediary amending certain details or circumstances, it would be very important to identify that. Similarly, if our identity checks, anti-money laundering checks, checks with Fraud Prevention Agencies or Credit Reference Agencies pre-application or during the application (as relevant) reveal risk – we would retain the relevant details until we were satisfied that we no longer needed them for the legitimate interest we have mentioned here.
  • Secondly, where there is a decision not to proceed on the rate that we offer, we have a legitimate interest in keeping a record of that rate and some of the personal information related to our offer in order to take account of it when an individual (or individual on behalf of a company) resubmits the application or makes a second enquiry. It would be contrary to this legitimate interest if individuals were able to resubmit through another broker or intermediary soon afterwards and if we were unable to identify the rates we had already offered having carefully considered their initial application.

It is necessary to process and retain personal information for these legitimate interests and we have balanced these against your own interests, rights and freedoms. In circumstances such as these, we do not retain your personal information for longer than necessary and we do not share that information.  Your personal information is used for our own strict requirements and in accordance with data protection laws.

Here is a list of the rights that all individuals have under data protection laws. They do not apply in all circumstances. If you wish to exercise any of them we will explain at that time if they are engaged or not.

  • The right to be informed about your processing of your personal information;
  • The right to have your personal information corrected if it is inaccurate and to have incomplete personal information completed;
  • The right to object to processing of your personal information;
  • The right to restrict processing of your personal information;
  • The right to have your personal information erased (the “right to be forgotten”);
  • The right to request access to your personal information and to obtain information about how we process it;
  • The right to move, copy or transfer your personal information (“data portability”);
  • Rights in relation to automated decision making which has a legal effect or otherwise significantly affects you.

You have the right to complain to the Information Commissioner’s Office which enforces data protection laws: https://ico.org.uk/

If you wish to exercise any of these rights against the Credit Reference Agencies, the Fraud Prevention Agencies, or a broker or other intermediary who is data controller in its own right, you should contact them separately.

If you wish to access your personal information, please contact us in writing at 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ or via email using the address: DPO@Pepper.Money

In order to protect your personal information, we may require identification from you before releasing the requested information.

In this section monitoring means any listening to, recording of, viewing of, intercepting of, or taking and keeping records (as the case may be) of calls, email, text messages, social media messages, in person face to face meetings and other communications. 

We may monitor where permitted by law and we will do this where the law requires it. In particular, where we are required by the Financial Conduct Authority’s regulatory regime to record certain telephone lines or in person meetings (as relevant) we will do so.

Some of our monitoring may be to comply with regulatory rules, self-regulatory practices or procedures relevant to our business, to prevent or detect crime, in the interests of protecting the security of our communications systems and procedures, to have a record of what we have discussed with you and actions agreed with you, to protect you and to provide security for you (such as in relation to fraud risks on your account) and for quality control and staff training purposes.

Some of our monitoring may check for obscene or profane content in communications.

We may conduct short term carefully controlled monitoring of your activities on your account(s) where this is necessary for our legitimate interests or to comply with our legal obligations. For instance, where we suspect fraud, money laundering or other crimes.

Telephone calls and/or in person meetings between us and you in connection with your application and/or your account(s) may be recorded to make sure that we have a record of what has been discussed and what your instructions are. We may also record these types of calls for the quality control and staff training purposes.

This section is relevant where we make decisions about you using only technology, and where none of our employees or any other individuals have been involved in the process. For instance, in relation to transactions on your account(s), payments into your account(s) from other providers, and triggers and events such as account opening anniversaries and maturity dates. We may do this to decide what marketing communications are suitable for you, to analyse statistics and assess lending risks. 

We can do this activity based on our legitimate interests (and they are listed in the section about legal grounds above) only where the profiling and other automated decision making does not have a legal or other significant effect on you. In all other cases, we can do this activity only where it is necessary for entering into or performing the relevant contract, is authorised by laws that apply to us, or is based on your explicit consent. In those cases you have the right to obtain human intervention to contest the decision (see ‘rights in relation to automated decision making which has a legal effect or otherwise significantly affects you’ below). Profiling for direct marketing can mean there is a separate right to object (see ‘right to object’ above).

We may use your home address, business address, phone numbers, email address and social media accounts (e.g. Facebook or LinkedIn), to contact you. We may also use “cookie data” from visits to our website to market to you across Google and other search engines, certain websites, social media and other messaging platforms. In all instances we will only ever market to you according to your marketing preferences. This means we do this only if we have a legal ground which allows it under data protection laws – see above for what is our legal ground for marketing. You can stop our marketing at any time by contacting us, by following the instructions on how to do that in the marketing email or other communications we send to you.

Our website makes use of cookies and similar technologies when you are browsing our website to enable certain functionalities of our website and to help us analyse user behaviour on the website in order to improve the customer experience.  We use cookies where appropriate to:

  • gather information about your computer in order to assist us in serving content to you in the most appropriate manner;
  • help us better understand your journey through our site, for example how you arrived at our site, and on what page you left our site; and
  • capture generic information, such as your geographical location.

We may also use cookies for marketing purposes.

What are cookies?

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree.  Cookies contain information that is transferred to your computer’s hard drive.

The main purpose of cookies is to identify users and to prepare customised pages for them.  We use the following cookies:

  • Essential cookies. These are cookies that are required for the operation of our website.  They include, for example, cookies that enable you to log into secure areas of our website.
  • Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website 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.
  • Functionality cookies. These are used to recognise you when you return to our website.  This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed.  We will use this information to make our website and the advertising displayed on it more relevant to your interests.

Potential consequence of allowing cookies

Accepting cookies will give you the best user experience on the website, while declining cookies could potentially interfere with your use of the site.  Cookies also allow us to gain information about you.

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission.

This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages.

You can at any time change or withdraw your consent, please refer to ‘How do I change my cookie setting’ section below for more detail. You should be aware, however, that by doing so you may not be able to make full use of all the functions of our website.

Third Party Cookies

Please note that the following third parties may also use cookies, over which we have no control.  These named third parties include, for example, advertising networks and providers of external services like web traffics analytical cookies or targeting cookies:

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies.  However, if you use your browser setting to block all cookies (including essential cookies) you may not be able to access all or parts of our website.

How do I change my cookie setting?

You can change your cookie preferences at any time by selecting the Cookie Declaration on our website

You can adjust the settings on your computer to decline any cookies if you wish.  This can easily be done by activating the reject cookies setting on your computer. If you would like to find out more about cookies and how to remove them from your computer, please visit www.allaboutcookies.org

We may also use cookies for re-marketing or re-engagement purposes. Our website uses the re-marketing function of third party sites including, but not limited to, Google Ads and Facebook.  This feature is designed to show interest-based ads to visitors to our site.  What this means is that your browser will save the cookies that allow you to be recognised when visiting websites belonging to third parties such as the Google Ad network and Facebook.   This could mean that we advertise to you if you haven’t completed a task on our site, for example, using the contact form to make an enquiry, or if you fit a similar profile to our site visitors.  This could be in the form of an advertisement on the Google search results page, a site in the Google Display Network, or somewhere on Facebook (or another social media site).  Third-party vendors, including search engines and social media sites, use cookies to serve ads based on past visits to our website.  Any personal information collected will be used in accordance with our privacy policy, as well as the relevant third party’s privacy policy.

You can opt out of a third party’s (such as Google’s or Facebook’s) use of cookies or device identifiers by adjusting your ad settings on the relevant site.  Alternatively, you can opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page or control the use of device identifiers by using your device’s settings.

You will see in the body of this privacy policy that we have mentioned that we share your personal information with Fraud Prevention Agencies and Credit Reference Agencies. They require us to pass on to you information about how they will use your personal information to perform their services or functions as data controllers in their own right.  These notices are separate to our own.  We do need to share these with you. Here are links to the information notices of four Credit Reference Agencies that we use:

It is an important to us that your personal information is up to date. We will take reasonable steps to make sure that your personal information is accurate, complete and up-to-date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Excellent

Our customers think we are Excellent

with 426 customer reviews,

and we score 4.7 out of 5!

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

Information

First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

24th June

Responding to application portal broker messages on:

22nd June

Reviewing applications sent to our underwriters on:

23rd June

Working on applications received on:

22nd June

Currently reviewing valuations received on:

23rd June

Answering calls in less than (average speed):

< 1 Minutes
Retail Calculator | Optimum Credit
Phone number cannot begin with 03 or 08
£

I confirm that I have read and understood the "How we use your personal data" page.

Pepper money