Nested Ltd, trading as Even and joineven.com, of Headspace, 19-21 Hatton Garden, London, EC1N 8BA, company number 09900783, is the data controller of the personal information collected via or in connection with the Website.
What personal information do we collect about you?
We collect personal information from you when you provide it to us directly, when you use our Website and services and in the course of providing services to you, including estate agency, conveyancing and mortgage services. This information may include:Information you provide to us:when you submit your details via our Website, such as your name, email address, phone number; when submitting an application for a mortgage (for example, details of your finances) Information regarding your credit rating and credit history that you give us permission to access from credit reference agencies if you want to proceed with your application; Transaction data from your bank account(s) that is made available to us as part of your application. This data is provided via our Open Banking partner so we can assess your ability to afford the mortgages you’re applying for;Records of your interactions with Even. We record telephone calls made to and from Even for quality control and training purposes;Information, including identity documents, you provide to us or our service providers to carry out Know Your Customer and anti-money laundering checks required by law; and Technical information, including your IP address, and a record of your interactions with our Website.
What do we use this personal information for?
Depending on how you use our Website, your interactions with us, and the permissions you give us, the purposes for which we use your personal information include: Providing you with services, such as mortgage lending and to allow us to accurately value your proposed purchase and verify your ownership of relevant properties; Assessing your suitability for the mortgages you’re proposing to borrow to facilitate your proposed purchase; Managing our exposure to risk; Fulfilling requests submitted via the Website and maintaining your account; Carrying out our obligations, and exercising our rights, under any contract you enter into with us, including mortgage contracts; Personalising the Website and displaying content we think you will be most interested in, based on your account information and your history on our Website; Understanding how our products and services are being used, analysing the performance of our products and services, and maintaining and updating our Website; Sending you marketing messages and showing you targeted advertising, where we have your consent or are otherwise permitted to do so; Complying with our security, legal, finance and regulatory obligations including prevention of fraud, auditing, reporting and money laundering risk.
Our basis for processing under UK data protection law
Generally, we rely on your consent to process the personal information collected via our Websites, so that we can provide you with the services we offer. You can withdraw your consent at any time (see ‘Storage and Deletion’ below), but if you do so we may no longer be able to provide you with services. We may also process your personal information where it is in our legitimate interests to do so, in order to maintain our Website and conduct our business. For example: To share information with, and from, credit reference agencies as described in the Credit Reference Agency section below; To conduct analysis on how the Website is used; Where the whole or part of our company, business or mortgage book is acquired by, or transferred to, another entity; orTo deal with any complaints.We may also process personal information when it is necessary for the performance of a contract, including in relation to any mortgage documentation we enter into.
Marketing & Advertising
If you have opted in to receive marketing from us, we may use your personal information to send you marketing, including by email, SMS or post. Some of these messages may be tailored to you, based on your previous use of our Website and interactions with our services.If you no longer want to receive marketing communications from us, you can change your preferences at any time by clicking on the ‘unsubscribe’ link in any email. You may also see adverts for our Website or services on third party websites, including on social media. These ads may be tailored to you using cookies and/or similar technologies. Where you see an ad on third party websites or social media, this may be because we have engaged the third party or social network to show ads to our users, or others who match the demographic profile of our users. In some cases, this may involve sharing your email address and related personal information with the third party or social network so that they can identify you as one of our users. If you no longer want to see tailored ads you can change your cookie and privacy settings on your browser and these third party websites.
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 (CRAs). We may also carry out further periodic searches at CRA’s to allow us to manage your account with us. To do this, we will supply your personal information to CRAs. This will include your name, date of birth and residential address. It may also include additional information such as your salary, previous residential addresses and other information you provide as part of your credit application. The CRAs will match this information to the records they hold about you, and provide in return, both public information (including the electoral register) and shared credit information in relation to your financial situation and financial history. CRA’s 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 creditworthiness and whether you can afford to take the product; verify the accuracy of the data you have provided to us; prevent criminal activity, e.g fraud and money laundering; manage your account(s);trace and recover any debts; and ensure any offers provided to you are appropriate to your circumstances. We will continue to exchange information about you with CRA’s while you have a relationship with us. We will also inform the CRA’s about your settled accounts. If you borrow and do not repay in full or on time, CRA’s will record the outstanding debt. This information may be supplied to other organisations by CRA’s. When CRA’s 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 joint application, or tell us that you have a spouse of a 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. CRA’s 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 CRA’s to break the link. The identities of the CRA’s, their role also 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 CRA’s are explained in more detail at www.equifax.co.uk/crain
Who do we share this personal information with?
Storage and Deletion
Our Website is hosted by Google which has servers based around the world, and we may use other international service providers. Consequently, your personal information may be processed in countries outside of Europe, including in countries where you have fewer legal rights in respect of your data than you do under local law. Where we transfer personal information outside the European Economic Area we will, as required by applicable law, ensure that your privacy rights are adequately protected by appropriate safeguards, including by using the EU Standard Contractual Clauses and the EU-US Privacy Shield. Please contact us if you would like more information about these safeguards. We retain your information even after your last interaction with us, to ensure we can provide you with a seamless experience if you contact us for a future transaction. We may hold this information for differing period depending on regulatory requirements, or in the event of a legal claim or complaint. If you would like us to delete your details, please contact us. Please note, however, that we may retain some of your details (for example if you have made a complaint about our services or in relation to your mortgage with us that we are required by law to retain), for as long as is necessary to protect us from a legal claim. If you unsubscribe from our marketing communications, we will keep a record of your email address to ensure we do not send you marketing emails in future.
Users under 18
Our Websites is not intended for, and should not be used by, anyone under the age of 18. We do not knowingly collect personal information from individuals under 18.
You have certain rights in respect of your personal information, including the right to access, correct, and request the erasure of your personal information.
You also have the right to object to your personal information being used for certain purposes, including to send you marketing. See ‘Marketing’ above, for more details of how to opt-out of marketing.
We will comply with any requests to exercise your rights in accordance with applicable law. Please be aware, however, that there are a number of limitations to these rights, and there may be circumstances where we are not able to comply with your request. To make any requests regarding your personal information, or if you have any questions or concerns regarding your personal information, please contact us using the details below. You are also entitled to contact the UK’s supervisory authority for data protection, the Information Commissioner’s Office, or your local supervisory authority, our ICO number is ZA193626.
Last updated September 2021