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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://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.
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.
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:
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.
We may use different methods to collect data from and about you including:
We’ll only use your personal data when we can rely on a legitimate (lawful) basis, such as:
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:
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.
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:
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.
There are a number of reasons why we might need to disclose your personal data to others, such as:
We may also contract with third parties to supply services to you on our behalf. These include:
We use and share personal data with the following APIs:
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.
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.
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:
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.
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.
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.
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).
You have some rights under the Data Protection Legislation that relate to your personal data:
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.
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.
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.
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