Mark-Nicholas Estates Limited Privacy Notice
Mark-Nicholas Estates Limited privacy notice provides information on how Mark-Nicholas Estates Ltd and any of its subsidiaries, branches or representative offices and any 3rd party providers collect , use , secure, transfer and share your information. Mark-Nicholas Estates Ltd is a provider of Residential Sales and Lettings and it operates in the North West of England.
Mark-Nicholas Estates Ltd has its head office at
Gilbert Wakefield House, 67 Bewsey Street, Warrington, WA2 7JQ
And its registered office being at
53 York Street, Heywood, Lancashire, OL10 4NR
Property Management
Mark-Nicholas Estates Ltd specialises in property management and residential sales and lettings.
1. Types of Information Collected.
Typically Mark-Nicholas Estates Ltd collect:
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1. First Name
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2. Middle Name)s)
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3. Surname
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4. Previous Name
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5. Date of Birth
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6. Present Address
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7. Residential Status
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8. Previous Addresses
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9. Landlord Details
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10. Nationality
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11. NI Number
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12. UK National
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13. Doctors Details
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14. How Many Dependants
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15. Dependants Name
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16. Dependant DOB
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17. Primary ID*
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18. Address ID*
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19. Bank Statements*
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20. Credit Card Statements*
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21. Mortgage Statements*
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22. Proof of Deposit
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23. Payslips*
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24. Self Employed Accounts*
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25. Employers Name
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26. Gender
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27. Personal/Secure Loan Details
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28. Personal Debt Details
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29. Personal Expenditure
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30. Existing Mortgage Details
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31. Existing Insurance Details
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32. Email Address
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33. Phone Numbers
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34. New Property Details
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35. Solicitor Details
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36. Estate Agent Details
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37. New Mortgage Details
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38. New Insurance Details
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39. Criminal Offences/Convictions
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40. IP Address
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41. Cookies
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42. Marital Status
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43. Salary
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44. Accountant Details
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45. Previous Employer Details
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46. Employers Address
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47. Employers Phone Number
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48. Health
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49. Ethnicity
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50. Credit Card Details
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51. Bank Details
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*Copies
1.1. Methods of Collection
In the general conduct of business, Mark-Nicholas Estates Ltd collects information relevant to the services being sought across the range of services it offers (listed previously) from:
• yourself
• next of kin
• spouse / partner / family member
• business associates
• Employers
• “trusted” sources including:
• Government / Land / Police registers
• Credit / Default Agencies
• Financial Institutes (Banks, Building Societies, Loan Agencies, Credit Card companies)
• Insurance Companies
• Other Law firms
• Health providers
• through consent to third parties disclosing information about you to us that they have collected
Such information will generally be collected directly via the use of any of our standard forms, over the internet, via email, in our branch or through a telephone conversation with you. We may also collect personal information through our affiliates or suppliers.
In addition, you may choose to submit information directly to us via several methods, including:
• through Mark-Nicholas Estates Ltd and affiliates websites
• in response to marketing or other communications
• through social media
• by signing up for a Mark-Nicholas Estates Ltd product or service
• through participation in an offer, program or promotion
• in connection with an actual or potential business or employment relationship with us
You may also agree to third parties disclosing information about you to us that those third parties have collected.
We, our service providers and partners collect certain information by using automated means, such as cookies and web beacons, when you interact with our advertisements, mobile applications, or visit our websites, pages or other digital assets. The information we collect in this manner may include: IP address, browser type, operating system, referring URLs and information on actions taken or interaction with our digital assets.
We may use third-party web analytics services on our websites and mobile apps The analytics providers that administer these services use technologies such as cookies and web beacons to help us analyse how visitors use our websites and apps.
"Your Rights and Choices" section of this Privacy Notice specifies your ability, to opt out or limit the usage of the information collected.
1.2. Purposes of Collection
Generally, we will collect, use and hold your information for the purposes of:
• Assessing applications for and providing Mark-Nicholas Estates Ltd products / services
• Conducting business, developing relationships with Mark-Nicholas Estates Ltd and affiliates
• Process payments / transactions including: Accounting, Authorisation, Clearing, Chargebacks, Auditing, Billing, Reconciliation, Collection, Complaints, Enquiries, Credit Checks and related dispute resolution activities
• Protect against and prevent fraud, unauthorised transactions, money laundering (please see below), tax evasion, claims, other liabilities and manage risk exposure and agent /franchise quality, integrity, compliance and security of business processes
• Create and manage any accounts, associated authentication criteria (id’s and passwords) you may have with Mark-Nicholas Estates Ltd
• Provide, administer and communicate with you about Mark-Nicholas Estates Ltd products, services, offers, programs and promotions, their issuers, acquirers, retailers and partners.
• Compile business directories, including business contact information
• Operate, monitor, evaluate and improve our products, services, websites, mobile applications, other digital assets and business.
• Developing new products and services
• Managing communications, assess effectiveness and optimisation of advertising
• Functionality of our websites, mobile applications other digital assets
• Evaluate your interest in employment and contact you regarding possible employment opportunities
• Enforce Mark-Nicholas Estates Ltd “Terms of Use”, other legal rights as may be required by applicable laws and regulations or requested by any judicial process or governmental agency having or claiming jurisdiction over Mark-Nicholas Estates Ltd or its affiliates.
• Comply with industry standards and Mark-Nicholas Estates Ltd policies
Anti-Money Laundering
In addition to help you with a property related service we have to comply with certain regulations for example the “Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (referred to as “the Regulations).” Mark-Nicholas Estates Ltd and other subsidiaries are required to obtain certain information from you to comply with regulations. The information provided will only be used by Mark-Nicholas Estates Ltd in relation to complying with the Regulations and will not be shared with any other party outside of the companies wholly owned by Mark-Nicholas Estates Ltd unless we are required to do so under law. If you decide to enter in to a business relationship with Mark-Nicholas Estates Ltd or any wholly owned subsidiary to comply with certain regulations. We will require two separate Identification documents one primary and one secondary document even if it appears on both lists. The information may be required at various stages of the process depending whether you are:
Purchasing (or Selling)
Primary documents - proof of ID
• Valid Passport with MRZ
• Valid full UK photo driving licence
• Valid full UK Driving licence (Non photo, paper) issued before 1998
• Valid EU/EEA/Switzerland photo driving licence.
• Valid EU/EEA/Switzerland national Identity Card.
• Valid UK Armed Forces ID Card.
• Valid UK Biometric Residence Permit (copy of both sides.)
• Valid Blue disabled drivers pass. (With photo)
• Valid Freedom Pass
• Valid Local Authority Bus pass.
• Department for Works & Pensions letter confirming pension details including National Insurance Number dated within the last 12 months.
Secondary documents - proof of residence (home.)
• Valid full UK photo driving licence.
• Valid full UK Driving licence (Non photo, paper) issued before 1998
• Local authority council tax bill (dated within the last 12 months).
• UK Bank / Building societies statements/bills showing activity, dated within the last six months. Including account number and sort code. (Internet printed acceptable.)
• UK mortgage statement (dated within the last 12 months.) (Internet printed acceptable.)
• Utility bill dated within the last 6 months including - Electricity bill (with MPAN number), Landline, Gas, Satellite TV, Water. (Internet printed acceptable.) (Not mobile phone bills.)
• Her Majesty’s Revenue and Customs (HMRC) Inland Revenue (IR) Coding / assessment / statement (dated within the last 12 months) with National Insurance number.
• Department for Works & Pensions letter confirming pension details and NI Number. (Dated within the last 12 months).
We reserve the right to employ third party electronic verification for the purpose of verifying identity. This search will not affect your credit rating.
1.3. Lawful basis of processing
Mark-Nicholas Estates Ltd processes your information under the following
• Performance of a contract: where you enter into a contract with Mark-Nicholas Estates Ltd and we need to process your information as part of this contract
• Legitimate interests: some information is processed by Mark-Nicholas Estates Ltd as part of its legitimate interests which include :Fraud, risk assessment, due diligence, network and information security, suppressions and managing opting out of communications , profiling , direct marketing, monitoring, web analytics, cloud storage, acquisitions, updating customer details, lettings, sales, financial services and other core products and service provided by the data controller
• Public interest: some information is processed in accordance public interest such as relocations
• Consent : where we process information under consent we will seek you clear and unambiguous consent prior to processing your data
2. Information We Share
We do not sell or otherwise disclose personal information we collect about you, except as described in this Privacy Notice or as indicated via the consent process at the time the data is collected. We share the information we collect with, but not limited to:
• Landlords and landlord associates and sub processors
• Vetted affiliates and partners / Financial Institutions / Insurance Companies for business facilitation to provide required services, such as mortgages, insurance cover etc.
• Formally contracted service providers to perform services on our behalf:
• Hosting Datacentres, Infrastructure, Applications (Development / Support) , Cloud Services (Software as a Service – SaaS, Platform as a Service – PaaS , Infrastructure as a Service – IaaS)
• Helpdesk, Call Centres etc.
We contractually require these service providers to safeguard the privacy and security of personal information they process on our behalf and authorise them to use or disclose the information only as necessary to perform services on our behalf or comply with legal requirements
• Councils, health and care providers
• Other Law firms
• Credit agencies, Land Registry Office, Her Majesty’s Revenue and Customs (HMRC), Financial Conduct Authority (FCA) and other relevant regulatory bodies
• Additionally we may share information about you, if required legally, to prevent harm or financial / reputation loss, for investigation of suspected or actual fraudulent or illegal activities.
• Perspective employers requesting references via your written consent
On websites, features can be accessed where we partner with other entities that are not affiliated with Mark-Nicholas Estates Ltd. These include social networking, geo-location tools etc. are operated by third parties (indicated appropriately) who may use or share personal information in accordance with their own privacy policies. It is recommended that you review the third parties' privacy policies if you use the relevant features.
Mark-Nicholas Estates Ltd reserve the right to transfer your information in the event of a sale or transfer (wholly or partially) of our business or assets, with reasonable efforts for the acquirer protect / use your information consistent with our Global Privacy Notice. You can exercise your rights to contact the acquiring entity with questions concerning the protection and processing of your information.
2.1 How long do we keep information for
We will keep information for a reasonable amount of time in order to perform the purposes listed above.
We only keep your information for as long as necessary. We generally keep personal information for 7 years after last contact with you. However Mark-Nicholas Estates Ltd reserves the right to keep information for longer if we feel that this is in the legitimate interests of Mark-Nicholas Estates Ltd.
2.2 Profiling
For the purposes of business conduct, enhancement, identification of fraud, money laundering and other potential un-authorised activities, Mark-Nicholas Estates Ltd engages profiling activities via direct use or anonymisation of sensitive personal information.
2.3.1 Direct Profiling
Direct profiling is engaged for the fair and lawful purposes, to provide Mark-Nicholas Estates Ltd the ability to enforce Mark-Nicholas Estates Ltd “Terms of Use”, legal reporting as may be required by applicable laws, regulations, policies / standards or requested by any judicial process or governmental agency having or claiming jurisdiction over Mark-Nicholas Estates Ltd or its affiliates; including, but not limited to:
• Benchmarking employees: appraisals, performance, bonus payments, disciplinary actions, improvement plans, promotions and awards.
• Background checks for existing and new employees, clients, business partners, affiliates
• Financial Viability analysis / reports
• Business partner / client portfolio position, performance, risk positions
• Anti-money laundering
• Tax reporting
• Credit defaulting / exposure
2.3.2 Indirect Profiling
Indirect profiling via anonymisation of personal information is also used for preparing and furnishing aggregated data reports showing anonymised information, including, but not limited to, the following:
• Compilations, analyses, analytical and predictive models and rules, and other aggregated reports for the purpose of advising our partners / affiliates and servicing institutions, retailers and other customers regarding past and potential future patterns of service usage, spending, fraud, and other insights that may be extracted from this data.
• Compiling and communicating promotional and marketing information about products and services that Mark-Nicholas Estates Ltd, affiliates and other organisations that we have affiliations with have and that may be of interest to you.
• Conducting market research
• Facilitating our internal business operations, including the fulfilment of any legal requirements.
2.4 Your Rights and Choices
Your rights regarding the sensitive / personal information we maintain about you enable you to exercise choices about what personal information we collect from you, how we use that information, and how we communicate with you.
Please do contact us if you have any queries regarding any of the above.
2.5 Access and Correction
You may have the right to:
• obtain confirmation that we hold personal information about you
• request access to and receive information about the personal information we maintain about you • receive copies of the personal information we maintain about you
The right to access personal information may be limited in some circumstances by local law requirements.
To exercise these rights, please contact us as set forth below.
2.6 Update and correct inaccuracies in your personal information
If you feel that the information we hold about you in incorrect or inaccurate you can contact us outlining the information you feel is incorrect of inaccurate
If we refuse to correct your personal information, we will provide you with a written notice that sets out the reasons for our refusal (unless it would be unreasonable to provide those reasons) and provide you with a statement regarding the mechanisms available to you to make a complaint. We will provide you with access to information we hold about you:
2.7 Object to the processing of your personal information
If you would like to object to any processing of your information by Mark-Nicholas Estates Ltd you can contact us outlining what processing of information you would like to object to.
2.8 Have the information blocked, anonymised or deleted
If you would like Mark-Nicholas Estates Ltd to delete, block or anonymise information we hold about you, you can contact us outlining what information you would like deleted , blocked or anonymised.
To update your preferences, ask us to remove your information from our mailing lists or submit a request to access, update, correct or delete your personal information, please contact us as specified in the “How To Contact Us” section below.
2.9 Opting out of processing
You can opt out collection of personal information by automated means e.g. when visiting our website or visit third-party websites and interact with our adverts, by using the Cookie Consent tool displayed in the website (the browser you use may provide options on how to opt out of receiving certain types of cookies). However without cookies you may not be able to use all of the website features and/or online services.
Mark-Nicholas Estates Ltd operate a cookie policy. Some of our service providers and partners may collect information about your online activities over time and across third-party websites to customise and target our adverts. You can at any time tell us not to send you marketing communications by
• e-mail enquiries@marknicholas.co.uk
• unsubscribing via the “unsubscribe link” within the marketing e-mails you receive from us, or
• contacting Mark-Nicholas Estates Ltd as indicated below.
2.10 Withdrawal of consent
If we obtain your information by consent you have the right to withdraw any consent you previously provided to us.
If we process your information under legitimate interest you can object at any time on legitimate grounds, to the processing of your personal information.
Mark-Nicholas Estates Ltd will apply your preferences going forward. Doing so will mean that you cannot take advantage of certain Mark-Nicholas Estates Ltd and affiliate products, services and promotions.
The right to consent removal may be limited in some circumstances by local law requirements and you will be informed appropriately.
3 How to Contact Us / Complaints and Feedback
If you:
• make a complaint about a breach of your personal information, applicable privacy laws / principles or a concern about Mark-Nicholas Estates Ltd privacy practices
• would like access and/or update information or preferences you provided to us,
You also may e-mail us at:
enquiries@marknicholas.co.uk
Or write to us at:
Mark-Nicholas Estates Ltd
Gilbert Wakefield House
67 Bewsey Street
Warrington
WA2 7JQ
If we fall short of your expectations in processing your personal information or you wish to make a complaint about our privacy practices, please contact us via the details in the "How To Contact Us" section below.
To assist us in responding to your request, please give full details of the issue. We attempt to review and respond to all complaints within a reasonable time.
If we cannot for lawful reasons complete your request we will explain this to you to the extent that we lawfully can.
Mark-Nicholas Estates Ltd
IN-HOUSE COMPLAINTS PROCEDURE
We are committed to providing a professional service to all our clients and customers. When something goes wrong, we need you to tell us about it. This will help us to improve our standards.
If you have a complaint, please put it in writing, including as much detail as possible. We will then respond in line with the timeframes set out below (if you feel we have not sought to address your complaints within eight weeks, you may be able to refer your complaint to the Property Ombudsman to consider without our final viewpoint on the matter).
What will happen next?
We will send you a letter acknowledging receipt of you complaint within three working days of receiving it, enclosing a copy of this procedure.
We will then investigate your complaint. This will normally be dealt with by the office manager who will review your file and speak to the member of staff who dealt with you. A formal written outcome of our investigation will be sent to you within 15 working days of sending the acknowledgement letter.
If, at this stage, you are still not satisfied, you should contact us again and we will arrange for a separate review to take place by a senior member of staff.
We will write to you within 15 working days of receiving your request for a review, confirming our final viewpoint on the matter.
If you remain dissatisfied, you can then contactThe Property Ombudsman to request an independent review:
The Property Ombudsman Ltd
Milford House
43-45 Milford Street
Salisbury
Wiltshire
SP1 2BP
01722 333 306
www.tpos.co.uk
Please note the following:
You will need to submit your complaint to The Property Ombudsman within 12 months of receiving our final viewpoint letter, including any evidence to support your case.
The Property Ombudsman requires that all complaints are addressed through this in-house complaints procedure, before being submitted for an independent review.
3.1 How We Protect Personal Information
The security of your personal information is very important and Mark-Nicholas Estates Ltd is committed to protecting the information we collect. We maintain administrative, technical and physical safeguards designed to protect the personal information you provide or we collect against accidental, unlawful or unauthorised destruction, loss, alteration, access, disclosure or use.
Mark-Nicholas Estates Ltd stores personal information only for as long as it is necessary for the fulfilment of the purpose for which the personal information was collected, unless otherwise required or authorised by applicable law. We take measures to destroy or permanently de-identify personal information if required by law or if the personal information is no longer required for the purpose for which we collected it.
4 Updating this privacy statement
We will update this statement from time to time so we suggest that you review this statement at regular intervals. Where we undergo substantial changes to our privacy statement we will endeavour to inform you directly about these changes.
May 2018
