Privacy Policy – MDT Property Consultants Limited
Who we are, what we do, and how we process your data
MDT Property Consultants is a commercial business specializing in LPA and Fixed Charge Receivership and property asset management.
A Law of Property Act fixed charge receiver is a single asset receiver appointed over a property, rather than a company. The terms LPA and fixed charge come from the Law of Property Act 1925, under which we are appointed, and which gives certain constrained rights to act. The rights to appoint occur at the time in which the power of sale has arisen. They are then underpinned by terms within the fixed charge, such as the mortgage deed, which gives the receiver his or her specific, wide-ranging powers to act.
MDT Property Consultants Limited acts as a controller of personal data and is responsible for your personal data in connection with its activities (collectively referred to as “MDT Property Consultants Ltd”, “we”, “us” or “our” in this privacy notice).
Our registered company number is 07178949 and our registered office is at 1 Bramley Business Centre, Station Road Bramley, Guildford, Surrey, GU5 0AZ. You can contact us by email at dmason@mdtlondon.co.uk
Changes to the privacy policy and your duty to inform us of changes
We keep our privacy policy under regular review. This version was last updated on 26th July 2018.
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.
Making a complaint
You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority 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.
If you do not provide data
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you. We will notify you if this is the case at the time.
The type of personal data that we collect and use
We may collect, use, store and transfer different kinds of personal data about you, as follows.
Identity including first name, maiden name, last name, username or similar identifier, marital status, religious beliefs, title, date of birth and gender, national insurance number., tax reference
Contact including home address, company address, email address and telephone numbers
Financial including bank account and payment card details
Transactions including details about payments to and from you and other details of products and services we have provided to you
Technical including internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website
Profile including your username and password, your interests, preferences, feedback and survey responses
Usage including information about how you use our website
Where do we get your personal data from?
We use different methods to collect data from and about you including through:
Direct interactions. You may provide us with your personal data by corresponding with us by post, phone, email or otherwise.
Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies.
Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below
Contact, Financial and Transaction Data from lawyers, lenders, and others in connection with you, your assets and debts
Identity and Contact Data from publicly available sources such as Companies House and the Electoral Register based inside the EU
Cookies
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.
How we use your personal data
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 or regulatory obligation.
Purposes for which we 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
To engage you as a new client
(a) Identity
(b) Contact
(c) Financial
Performance of a contract with you
To perform our role as LPA and Fixed Charge Receivers
(a) Identity
(b) Contact
(c) Financial
(d) Transaction
(a) Necessary to comply with a Legal Obligation to comply with Insolvency and related Legislation
To manage our relationship with you which will include:
Notifying you about changes to our terms or privacy policy
(a) Identity
(b) Contact
(c) Profile
(a) Performance of a contract with you
(b) Necessary to comply with a legal obligation
Disclosing your personal data to others
MDT Property Consultants Ltd. may have to share your personal data with the parties set out below for the purposes set out in the table marked “Purposes for which we use your personal data” above.
Type of third party
Country in which they are based
Service provided / need for disclosure
Lawyers
United Kingdom
Legal services
Lenders
United Kingdom
In connection with borrower debts
Bankers
United Kingdom
Banking services
Accountants
United Kingdom
Accounting services
Auditors
United Kingdom
Accountancy services
Insurers
United Kingdom
Insurance services
HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers
United Kingdom
Require reporting of processing activities in certain circumstances
Agents
United Kingdom
Valuations bailiffs auction houses agents used for any other purposes
We also use a third-party provider, Dropbox, for file hosting services. For more information, please see Dropbox’s privacy policy here https://www.dropbox.com/en_GB/privacy
Credit Reference Agencies (CRAs)
We may carry out credit and identity checks in respect of you or your business. We may use Credit Reference Agencies to help us with this.
We will share your personal information with CRAs and they will give us information about you. This data includes:
• name, address and date of birth of you or your officers or members;
• your credit application;
• your financial situation and history;
• fraud prevention information; and
• public information, from sources such as the Electoral Register and Companies House.
We use this data to assess the accuracy of the information provided to us, as well as to manage our relationship, trace and recover debts and to help to detect financial crime.
We will go on sharing your personal information with CRAs for as long as we are dealing with your case.
Where we store and transfer your data
The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). We will only send your data outside of the EEA to comply with a legal duty or work with our suppliers in providing products and services to you. If we do transfer your personal information outside the EEA to our suppliers, we will make sure that it is protected to the same extent as in the EEA. We will use one of these safeguards:
Transfer it to a non-EEA country where the European Commission has deemed that such country provides an adequate level of protection for personal data.
Put in place a specific contract approved by the European Commission with the recipient that means they must protect it to the same standards as the EEA.
Transfer it to organisations that are part of Privacy Shield. This is a framework that sets privacy standards for data sent between the US and EU countries. It makes sure those standards are similar to what is used within the EEA.
Data security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have an operational need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
Data retention
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
By law we have to keep basic information about our appointments (including Contact, Identity, Financial and Transaction Data) for up to ten years after they cease being live appointments.
Exercising your legal rights
Under certain circumstances, you have rights under data protection laws in relation to your personal data. There may be legal or other official reasons why we need to keep or use your data.
You have the right to:
get a copy of the personal information we hold about you;
question any information we have about you that you think is incorrect, so that we can take reasonable steps to check and correct it;
share your data with outside companies, as a digital file, so that you can keep and use it yourself, or give it to other organisations;
object to us keeping or using your personal data;
ask us to delete, remove or stop using your personal data if there is no need for us to keep it;
restrict the use of your data, so that it can only be used for certain things, such as legal claims or to exercise legal rights; and
withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time.
Cookies Policy
About cookies
A cookie is a file generated by a web server containing an identifier (a string of letters and numbers) that are stored on a user’s computer by the browser whilst they are on a website. The identifier is then sent back to the server each time the browser requests a page from the web server. The main purpose of a cookie is for a website to remember when your device has accessed pages on a website for the sole purpose of enhancing your web browsing experience.
Information Collected
Cookies do not typically contain any information that personally identifies a user. Some cookies collect information about browsing behaviour when you access this website using the same device. This includes information about pages viewed and your journey around a website. We do not use cookies to collect personal information such as your name, address or other contact details.
Cookies that we use
We use cookies for the following purposes:
Authentication – we use cookies to identify you when you visit our website and as you navigate our website.
Personalisation – we use cookies to store information about your preferences and to personalise the website for you.
Advertising – we use cookies to help us to display advertisements that will be relevant to you
Analysis – we use cookies to help us to analyse the use and performance of our website and services.
Managing cookies
Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
https://support.google.com/chrome/answer/95647?hl=en (Chrome)
https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox)
http://www.opera.com/help/tutorials/security/cookies/ (Opera)
https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer)
https://support.apple.com/kb/PH21411 (Safari)
https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge)
Please note, blocking all cookies may have a negative impact upon the usability of many websites.