Privacy Policy

If we wish to pass your sensitive personal data onto a third party we will only do so once we have obtained your explicit consent, unless we are legally required to do otherwise.

The third parties that we pass your personal data to are:

Banks that provide loans in the Republic of Ireland or elsewhere when arranged within the Republic of Ireland.
Insurance companies that provide products within the republic of Ireland or elsewhere when arranged from within the Republic of Ireland.

If we transfer personal data to a third party or outside the EU we as the data controller will ensure the recipient (processor or another controller) has provided the appropriate safeguards and on condition that enforceable data subject rights and effective legal remedies for you the data subject are available.

Data Subjects Rights:

MDC Mortgage Brokers ltd t/a Yes Finance and Irish Mortgage Brokers facilitate you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.

Your rights as a data subject

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

Right of access – you have the right to request a copy of the information that we hold about you.
Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
Right of portability – you have the right to have the data we hold about you transferred to another organization.
Right to object – you have the right to object to certain types of processing such as direct marketing.
Right to object to automated processing, including profiling – you also have the right to be subject to the legal effects of automated processing or profiling.
Right to judicial review: in the event that MDC Mortgage Brokers Limited t/a Yes Finance and Irish Mortgage Brokers refuses your request under rights of access, we will provide you with a reason as to why.

All of the above requests will be forwarded on should there be a third party involved as we have indicated in the processing of your personal data.

Additional information we are providing you with to ensure we are transparent and fair with our processing

Retention of your personal data

Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. MDC Mortgage Brokers ltd t/a Yes Finance and Irish Mortgage Brokers will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body (The Central Bank) and our internal governance.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by MDC Mortgage Brokers ltd t/a Yes Finance and Irish Mortgage Brokers or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and the firms Data Protection Officer / GDPR Owner.

Failure to provide further information

If we are collecting your data for a contract and you cannot provide this data the consequences of this could mean the contract cannot be completed or details are incorrect.
Profiling – automatic decision making
Sometimes we use profiling in our business.
The main categories are:

Risk Profiling
To establish a customer’s attitude to investment risk (relates to, but is not limited to, pensions and investments) advisors have automated calculators which calculate the customers attitude to various levels of risk having answered a series of questions.
Profiling for marketing purposes
When we seek to contact you about other services, as outlined above * we run automated queries on our computerized data base to establish the suitability of proposed products or services to your needs.
Establishing affordability and providing quotations for financial services products.
With mortgage applications there are often automated answers to certain data points, this can be things such as the rates on offer or the loan amounts, we use automation for some elements of this but

Additional Processing
If we intend to further process your personal data for a purpose other than for which the data was collected, we will provide this information prior to processing this data.

Contact Us
Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 01 679 0990 or email info(at)mortgagebrokers(dot)ie

Privacy policy statement changes
MDC Mortgage Brokers ltd t/a yes finance and Irish Mortgage Brokers may change this privacy policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this privacy policy periodically so you’re aware of any changes. By using our services you agree to this privacy policy.

This privacy policy was last reviewed in February 2019