A fast, simple and secure Homeowner loan from Pepper Money
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.
The website is not intended for children.
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: personal.pepper.money/about-us
Full name of legal entity: UK Mortgage Lending Ltd
Email address: DPO@pepper.money
Postal address: 4 Capital Quarter, Tyndall Street, Cardiff CF10 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.
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.
If you make an online application for one of our mortgage products or services, you may have to provide us with details of your financial situation and requirements when using our calculator and decision-making tools. The information that we ask for will depend on what type of mortgage product you are applying for.
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:
Credit Reference Agency Data
Technical and Profile Data
Marketing, Communications Data and Market Research Communication 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.
We will generally collect your personal information from you directly, including application forms, letter and or email correspondence, secure messaging, telephone, or via our website/mobile device applications. 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.
Information we use when connecting to ‘Open Banking’
Consent to connect to Open Banking. With your permission, we access specific details about accounts you hold with other banks to help us make lending decisions. If you do not give us consent to access an account, this may affect the service we are able to offer you.
Information we get from banks. When you give us consent to access details about accounts you hold with banks so we can make lending decisions, we collect:
The information that you provide will also allow us to analyse bank transaction data to assist with credit risk evaluation.
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).
We may also obtain Technical and Profiling Data (defined in section 3) (by way of example) from the following third parties:
and other third party analytics and or search providers.
We may also obtain Identity Data in the form of facial verification and recognition technology to verify identity.
Using Face Identification, Verification and Recognition Technology
You can apply for some of our products and services using a face recognition session from your mobile device to verify your identity and contact details.
If you use our face recognition 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.
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:
We utilise electronic signature applications to enable contracts and notices to be signed. In utilising such tools our employees, brokers acting on our behalf, third party suppliers and you may provide limited personal data for the purposes of:
As you interact with us, we will automatically collect some Technical and Profile Data about your equipment, interactions, voice analysis, browsing actions, usage data 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.
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.
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.
(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.
(b) Credit Reference Agency Data
(a) Necessary for our legitimate interests
Sharing your personal information with payment services providers such as when you ask us to share information about your account with them.
For some of our profiling and other automated decision making (see section 14 for more information).
(b) Technical and Profile Data
(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.
(c) Marketing and Communications
(d) Market research, analysis and developing statistics.
(a) Necessary for our legitimate interests (to improve our products and services)
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) 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.
(c) Marketing and Communications Data
To administer our good governance requirements and those of other members of the Pepper Group.
(b) Financial Data
Asking you to leave a review or take a survey
(b) Necessary for our legitimate interests (to study how customers use our products/services)
For direct marketing communications including to enable you to partake in a prize draw or competition.
(b) Marketing and communication
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).
(c) Credit Reference Agency Data
To deal with requests from you to exercise your rights under data protection laws.
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.
When you request that we share your personal information with someone else and consent to that
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).
(b) Substantial public interest
(c) Performance of a contract with you.
(a) Financial Data
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.
We may share your personal data with the parties set out below for the purposes set out in the table above:
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.
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:
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.
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 below.
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 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:
(a) 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.
(b) 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.
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, written communication, emails (including mobile device applications, secure messaging, webchats) 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.
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:
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. The website uses different types of cookies. Some cookies are placed by third party services that appear on our pages.
You can prevent cookies from being installed by adjusting the settings on your browser software accordingly. 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.
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.
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
Further details of how your information will be used by us and fraud prevention agencies, and your data protection rights, can be found by accessing the following link: Fair Processing Notices for Cifas’ Databases | Cifas
It is 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.
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.
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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.