Meet Margo Privacy & Cookie Policy

This policy was last updated in April 2024.

 

Here at Meet Margo, we take the privacy of our users very seriously. This policy explains what information we are collecting about you, and how we use it when you use our app, visit our website at https://www.meetmargo.uk/, use any of the services we provide, sign up to our mailing list, or what you otherwise engage us for. It gives you some details about the rights you have around your information, how long we keep your details and explains our use of cookies and similar technologies.

 

By providing us with your personal data, you’re indicating that you’ve read and accepted the information in this policy. If you have any questions about anything in this policy, please contact us at hello@meetmargo.uk.

Who are we?

We are Meet Margo. Our trading name is Meet Margo Ltd and we are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

Our registered address is 5 Merchant Square, London W21AYand our company number is 13887760. Where you see the words “we” or “us” in this policy, we mean Meet Margo.

We’ll only process your personal data in line with data protection laws, namely the EU law retained version of the General Data Protection Regulation ((EU) (2016/679), the Data Protection Act 2018 and the Privacy and Electronic Communications (EC Directives) Regulations 2023 (the “Data Protection Legislation”). If any of these laws are replaced or succeeded by another piece of law, we’ll comply with those too.

We’re registered with the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk), and our registration number is ZB489167. If you ever have any concerns about how we handle your personal data, it’s your right to complain to the ICO, but we’d ask for the heads up before you do so we can try and resolve your concerns first. You can reach us at hello@meetmargo.uk.

What do we collect?

We might collect a variety of your personal data/information, and this means any information that might enable us to identify you (but it doesn’t include anonymous data). We’ve grouped this personal data together as follows:

  • Identity Data includes first name, maiden name, last name, marital status, title, data of birth, gender, citizenship and employment history.
  • Contact Data includes address history, email address and telephone numbers.
  • Financial Data includes bank account details, card payment details, salary and other income information, savings, credit history, financial commitments and other expenses.
  • Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
  • Technical Data includes 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 our app or website.
  • Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback, and survey responses.
  • Usage Data includes information about how you use our app, our website, our products, and our services.
  • Health Data includes information about any medical conditions, illnesses (including mental illness) injuries and medications.
  • Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

At times we may collect aggregated data – think stats or demographics. This isn’t considered personal data in law as this data will not directly or indirectly reveal your identity to us. It just helps us make your experience with our app or website better.

Other than Health Data (as explained above), we don’t collect Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, political opinions, trade union membership, and genetic and biometric data). We also don’t collect any information about criminal convictions and offences.

If we receive your personal information from third parties, we’ll protect it in the same way as we do the personal we might collect directly, as explained in this policy.

If you provide us with personal data belonging to people other than yourself, such as your co-borrower, you promise that have that person’s consent to provide us with that personal data.

How do we collect and use your personal data?

We may use different methods to collect data from and about you including:

  • Direct interactions. You may give us your Identity and Contact by filling in forms, by corresponding or engaging with us by phone, email, social media or through the app.
  • Automated technologies or interactions. As you interact with our app and website, we will automatically collect Technical Data about your equipment, browsing actions 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.
  • Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources, such as Google, Companies House, the electoral register, credit referencing service providers, and KYC providers.

We’ll only use your personal data when we can rely on a legitimate (lawful) basis, such as:

  • Contract: Where we need to that personal data to enter into and perform a contract with you
  • Legitimate Interests: Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights don’t overtake those interests
  • Legal Obligation: Where we need it to comply with a legal obligation.

How will we use your personal data?

 

We’ve set out below the ways we may use your personal data, and which of the legitimate bases we rely on to do so:

Purpose/ActivityType of dataLawful basis for processing including basis of legitimate interest
So you can contact us with an enquiry in any way, including email, phone, through our app or website, or via social media (such as Twitter, Facebook, TikTok and Instagram)Identity
Contact
(a) Contract
(b) Legitimate Interests (so we can respond to your enquiry)
So you can create an accountIdentity
Contact
(a) Contract
(b) Legitimate Interests (so you can create an account)
So you can apply for a mortgageIdentity
Contact
Financial
Health
(a) Contract
(b) Legitimate Interests (so we can recommend mortgages to you)
(c) Legal Obligation
So we can check your creditIdentity
Contact
Financial
(a) Contract with you
(b) Legitimate Interests (so we can assess your eligibility)
(c) Legal Obligation
So we can send you a giftIdentity
Contact
(a) Contract with you
(b) Legitimate Interests (so we can send you a gift)
So we can manage our relationship with includes:
(a) Letting you know we’ve changed our terms or this policy
(b) Asking you to leave us a review or take a survey
Identity
Contact
Profile
Marketing and Communications
(a) Contract with you
(b) Legal Obligation
(c) Legitimate Interests (so we can keep our records updated and study how customers use our products/services)
So you can take part in a prize draw, competition or complete a surveyIdentity
Contact
Profile
Usage
Marketing and Communications
(a) Contract with you
(b) Legitimate Interests (so we can study how customers use our products/services, to develop them and grow our business)
So you can register for our mailing list/email marketingIdentity
Contact
Marketing and Communications
(a) Contract with you
(b) Legitimate Interests (so we can provide you with our newsletter/email marketing and offer you with information, goods or services we think you’ll be interested in)
So we can administer and protect our business, app and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)Identity
Contact
Technical
(a) Legitimate Interests (so we can run our business, provide admin and IT services, network security, to prevent fraud, or in the context of a business reorganisation or group restructuring exercise)
(b) Legal Obligation
So we can deliver relevant website content and ads to you and measure/ understand how effective they are Identity
Contact
Profile
Usage
Marketing and Communications
Technical
(a) Legitimate Interests (so we can study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
So we can use data analytics to improve our app and website, our products/services, marketing, customer relationships and experiencesTechnical
Usage
(a) Legitimate Interests (so we can define types of customers for our products and services, to keep our app and website updated and relevant, to develop our business and to inform our marketing strategy)
So we can make suggestions and recommendations to you about goods or services that may be of interest Identity
Contact
Technical
Usage
Profile
Marketing and Communication
(a) Legitimate Interests (so we can develop our products/services and grow our business)

What about marketing?

If you’ve asked us for information or become a customer of our services, we might send you marketing communications. Don’t worry, though – we’ll always ask for your permission before sharing your personal data with any third parties for marketing purposes. If you ever want to stop receiving marketing messages, you can use the opt-out links provided in any marketing message or contact us directly (hello@meetmargo.uk). Just so you know, if you opt out of these messages, it won’t affect any personal data we’ve collected from you in relation to a purchase or other transaction.

Do you use cookies?

We sure do – every website does! We use cookies on our website to make sure you have the best experience possible while browsing. Cookies are small files that contain letters and numbers and are stored on your computer if you give us permission. This helps us recognise you from other website visitors and lets us improve our website for you. We want to make sure you have a great experience on our website, and cookies help us do just that. The cookies we use are:

  • Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
  • Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
  • Functionality cookies. These cookies save you time and are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Third party cookies. Our website uses Google Ads and we also use tracking pixels (including Facebook pixels) to help us optimise our customer acquisition and tracking. This means that third parties may set their own cookies or similar technologies in your browser. We don’t control the use of such cookies and in many instances have no access to the data collected by these third parties. Third party use of cookies is subject to their respective privacy policies.

If you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website or services.

Our mobile app does not set cookies.

Who has access to the data?

There are a number of reasons why we might need to disclose your personal data to others, such as:

  • To lenders to enable us to make a mortgage application on your behalf
  • To the law firm that is dealing with your property purchase or remortage
  • To insurance providers to enable us to make insurance recommendations
  • To credit reference agencies 
  • If we want to sell our business, or our company, we can disclose it to the potential buyer
  • To other businesses in our group
  • If we have a legal obligation to do so, or in order to protect other people’s property, safety, or rights
  • To protect against fraud or credit risks
  • To third party suppliers of goods or services so that we can send you gifts.

We may also contract with third parties to supply services to you on our behalf. These include:

  • Credit reference agencies 
  • Order fulfilment service providers
  • Analytics service providers
  • Event/campaign management service providers
  • Website management service providers
  • Information technology and related infrastructure provision
  • Email delivery services
  • Our auditors and legal advisors.

We use and share personal data with the following APIs:

  • Twenty7tec
  • Firebase
  • Sendbird
  • Mailchimp
  • Mixpanel

Among them Twenty7tec will involve passing user information to query the corresponding data. The main information is provided according to the requirements of the third-party call, including but not limited to user name, email address, and house address.

It is important to note that these third party processors are bound by data protection obligations in the same way that we, or any company that processes personal data, are.

What about data security?

Data security is super important to us, and the personal data we collect is hosted by Amazon Web Services (AWS). For more information on the security of AWS, please check this link, and their privacy policy. We’ve also implemented measures to keep your personal data safe and secure, including physical, electronic, and managerial procedures to safeguard your data, as well as limiting access to your personal data to employees, agents, and contractors who need to know. They’ll only use your data as instructed and are bound by confidentiality agreements. We also have procedures in place to address any potential data breaches, and we’ll let you and any relevant regulatory bodies know if we ever discover a breach.

Please keep in mind that while we do our best to protect your personal data, sharing information over the internet isn’t 100% secure. So, any personal data you share with us online is done at your own risk.

What about international transfers?

We might need to transfer your personal data to countries outside of the UK or the European Economic Area (EEA) when we use third parties to help us provide our services. This could happen, for example, when we need to receive services or deal with payments. But don’t worry! We make sure that your personal data is still protected by putting at least one of the following safeguards in place:

  • We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data
  • Where we use certain service providers, we may use specific contracts approved for use in the UK or the EEA which give personal data the same protection it has in the UK or in the EEA.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK or the EEA.

How long will we retain your personal data for?

We promise to keep your personal data for only as long as we really need it to achieve the reasons we collected it for. This could include reasons like making sure we follow the law, tax rules, or reporting requirements. If there’s a complaint or a chance we may need to go to court with you, we may need to keep your personal data for longer. We’ll think about how sensitive your personal data is, how risky it would be if someone else got it, why we need it, and if there are other ways we could still use it. We’ll always follow the law and rules that apply.

What happens if you delete the app?

When you delete the app from your device, your personal data remains stored on our servers. This means that if you choose to reinstall the app, your account will be restored to its previous state, including all data and settings as you left them.

What happens if you delete your account?

If you delete your account within the app through your user profile, this will remove your account information from our app records. However, it is important to note that this doesn’t extend to personal data collected through our APIs or stored in our back-end broker customer relationship management (CRM) system.

Actions you have taken within the app, such as completing the Experian journey, sending messages through our integrated messaging service (Send Bird), or booking calls, will result in your registration in our CRM as a customer. This personal data is retained in our CRM for internal record-keeping, analytics, and ongoing customer relationship purposes (as explained above).

What are your legal rights?

You have some rights under the Data Protection Legislation that relate to your personal data:

  • Request access to your personal data
  • Request correction of your personal data
  • Request erasure of your personal data
  • Object to processing of your personal data
  • Request restriction of processing your personal data
  • Request transfer of your personal data
  • Right to withdraw consent.

If you wish to exercise any of the above rights, please contact us by emailing support@meetmargo.uk.

We won’t charge you to access your personal data or exercise your rights. However, we may charge a reasonable fee if your request is excessive or unfounded. In some cases, we may also refuse to fulfil your request.

To keep your personal data safe, we may ask for proof of identity and request additional information. We’ll do our best to respond to all legitimate requests within one month, but sometimes it may take longer, especially if your request is complicated. If this happens, we’ll keep you informed.

Anything else?

Just so you know, this policy only applies to our app, website, and business. We have some links on our website that take you to other websites, like our social media accounts. Those websites are not under our control and they have their own privacy policies and terms and conditions. So, before you share any personal information with those websites, please make sure to check their privacy policies.

We may need to update our policy from time to time as laws change or as we make changes to our website and services. If we make significant changes to this policy that require your consent, we’ll reach out to you by email to let you know and get your permission.

The legal bit.

Your Property may be repossessed if you do not keep up repayments on your mortgage.

Meet Margo’s advice and guidance are completely free for customers to access because we are paid a procuration fee from the lender.

If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place. View here.

© 2024 Meet Margo.

Registered in England & Wales. Company number 13887760.

Registered address: 5 Merchant Square, London W21AY.

Meet Margo is a trading name of Meet Margo Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.