Privacy Policy
1. Introduction
Mortgagesdirect.ie is committed to protecting your privacy and ensuring your personal data is handled securely and responsibly. This Privacy Policy explains how we collect, use, and protect your information when you use our website or services.
2. Information We Collect
We may collect and process the following types of personal data:
Personal information such as your name, email address, phone number, and address
Financial information such as income details, employment status, and other information relevant to mortgage applications
Technical data such as IP address, browser type, device information, and website usage data
Communication data including any information you provide when contacting us via forms, email, or phone
3. How We Use Your Information
We use your data to provide mortgage advice and related services, assess your eligibility for mortgage products, respond to enquiries, communicate with you, improve our website and services, and comply with legal and regulatory obligations.
4. Legal Basis for Processing
We process your personal data based on your consent, the performance of a contract or steps prior to entering into a contract, compliance with legal obligations, and our legitimate business interests.
5. Sharing Your Information
We may share your data with mortgage lenders and financial institutions, service providers such as IT, hosting, and analytics providers, and legal or regulatory authorities where required. All third parties are required to handle your data securely and in accordance with data protection laws.
6. Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy or to comply with legal and regulatory requirements.
7. Your Rights
Under applicable data protection laws, including GDPR, you have the right to access your personal data, request correction of inaccurate data, request deletion of your data, restrict or object to processing, request data portability, and withdraw consent at any time. To exercise your rights, please contact us using the details below.
8. Cookies
Our website uses cookies to improve user experience and analyse website traffic. You can control or disable cookies through your browser settings. For more details, please refer to our Cookie Policy.
9. Data Security
We implement appropriate technical and organisational measures to protect your personal data from unauthorised access, loss, or misuse.
10. Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices or content of those websites.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and continued use of our website constitutes acceptance of those changes.
12. Contact Us
If you have any questions about this Privacy Policy or how your data is handled, please contact us at:
www.mortgagesdirect.ie
Phone: +353 87 250 5872
- Warning: If you do not keep up your repayments you may lose your home.
- Warning: You may have to pay charges if you pay off a fixed-rate loan early.
- Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
- Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
- Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.