This privacy policy sets out how Fogg Financial and VA Mortgage Advice Services Limited uses and protects any information that you give us when you use this website. VA Mortgage Advice Services Limited is a controller of your personal data under the Data Protection Act 1998 and the General Data Protection Regulation (which will replace the Data Protection Act 1998 as of the 25th of May, 2018). We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. The current policy is version 1.0.0 and is effective from 1st January 2018.

What we collect

We may collect the following information about you:

  • name
  • contact information including email address and telephone number
  • demographic information such as postcode, preferences and interests
  • other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.
  • We may periodically send promotional emails to our current and previous customers about new products, special offers or other information which we think you may find interesting using the email address which you have provided. All promotional emails will include an unsubscribe link should you prefer to opt out of email marketing. If, for any reason, you have a concern regarding the opt out process, please contact the data controller using the contact details available at the bottom of this privacy policy.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone or mail. We may use the information to customise the website according to your interests.

Your rights to our processing of your data

Under the General Data Protection Regulation, you have the following rights:

  • The right to know if we are processing your personal data, what data we are processing and why we are processing it. Fogg Financial will provide a copy of this data for free, unless your request is large. For large requests, we may charge administrative costs. If you are unhappy with the response from Fogg Financial, and this cannot be resolved directly by contacting us, please contact the Information Commissioners Office.
  • The right to request correction of any inaccurate personal data that we process relating to yourself.
  • The right to request that we delete personal data that we process relating to you if:
    • We don’t need the data anymore
    • If you withdraw your consent for us to process your personal data and we don’t have another legal basis
    • If you object to our processing and we don’t have a legitimate ground to process it
    • If we are processing your personal data unlawfully
    • If we must delete the data due to a legal obligation
  • The right to request that we restrict our processing of your personal data if:
    • You contest the accuracy of the data
    • Our processing is unlawful but you don’t want us to delete the data
    • We don’t need to process your personal data anymore but you need it for a legal claim
    • You object to our processing of your personal data on the basis of our legitimate interest

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How does Fogg Financial use cookies?

This website uses cookies, which are small text files that a website saves on to your device, enabling the site to remember your actions and preferences over a period of time. Typically cookies are used to either store user preferences, or to provide anonymised tracking data to third party applications such as Google Analytics.

The cookies we set

This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.

When you submit data through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

Third party cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the social media sites including; Facebook, Twitter and LinkedIn, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

This site also uses third party cookies for Google Maps and WordPress to improve user experience. Further information on how these cookies are used are also available in their respective privacy policies.

How to control cookies

As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. For more information visit the About Cookies website which offers guidance for cookie browser settings.

Links to other websites

Our website may contain links to other websites of interest. Once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen. All promotional emails will include an unsubscribe link should you prefer to opt out of email marketing. If, for any reason, you have a concern regarding the opt out process, please contact the data controller using the contact details available at the bottom of this privacy policy.

If you are unhappy with the way Fogg Financial or VA Mortgage Advice Services Limited has/is processing your personal data please contact us using the details below. If the issue is still not resolved, please contact the Information Commissioners Office.

Contact details

You may request details of personal information which we hold about you under the Data Protection Act 1998, soon to be replaced by the General Data Protection Regulation. If you would like a copy of the information held on you please write to the data controller: Mark Stanton, VA Mortgages, Church Close, Church End, Hilton, PE28 9NJ.

The registered office of VA Mortgage Advice Service Limited is Church Close, Church End, Hilton, PE28 9NJ, United Kingdom. Mark Stanton is the data controller and can be contacted at the registered office, by email, advice@vamortgages.co.uk or telephone, 03453 709970.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

What to do if you have a complaint

If you wish to register a complaint, please contact:

The Right Mortgage, St Johns Court, 70 St Johns Close, Knowle, B93 0NH in writing, or telephone 01564 732744.

A summary of our internal complaints handling procedure is available on request. If we cannot settle your complaint with us, you my be entitled to refer it to the Financial Ombudsman Service.