Privacy Notice
We are committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully, and transparently. This notice sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.
Name: Optima Health and Life
Address: Optima Health and Life, Fifth Floor Suite 23, 63/66 Hatton Garden, London, EC1N 8L
Phone: 0204 55 33 237
Business: Independent Mortgage, Personal and Business Advisers
Who are we?
Optima Health and Life are a trading style of Match Mortgages Limited.
Match Mortgages Limited are Independent Mortgage and Insurance advisers based in various locations around the UK, with the head office at the following address: Beechwood Cottage, Beechwood Lane, Wendover, Buckinghamshire, HP22 5QL. We act as intermediaries for our customers.
Match Mortgages Limited is Authorised and Regulated by the Financial Conduct Authority (FCA). Our FCA number is 983246.
How will we use the information about you?
We take your privacy seriously and will use your personal information in a number of ways which will help us;
1. Find the most suitable mortgage lender or insurance product for you, and for the submission of any subsequent application for you.
2. For fraud prevention – as required by legislation.
3. For regulatory audit and statistical analysis – providing us with financial information regarding our business activities.
4. Credit reference checks performed by lenders we recommend to you
We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies. If you apply to us for insurance, we will pass your details to the insurer. Information you provided may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.
We will not disclose your information to any company outside of Match Mortgages Limited except to help prevent fraud or if required by law to do so.
For further information on how your information is used, how we maintain the security of your information and your rights to access, change or delete information we hold about you, please contact Desmond Tourick, Data Protection Officer at our Head Office address or by email - compliance@matchmortgages.co.uk.
Additional marketing
When we arrange a mortgage and/or insurance for you, we will make contact with you at any relevant review point (e.g. at the renewal of your private healthcare plan). In addition, from time to time, we would like to contact you to make you aware of other services we provide.
If you consent to us contacting you for this purpose, please tick to say how you would like us to contact you.
☐ Post ☐ Email ☐ Phone ☐ Text
Your Personal Data:
What we need
Match Mortgages Limited will be what’s known as the ‘Controller’ and the ‘Processor’ of the personal data you provide to us. We collect personal data about you which may also include any special types of information or location based information.
We also gather
For insurances: Name, address, email, dependents, financial information/status and medical information/history of all applicants.
We need to know your basic personal data in order to provide you with an accurate recommendation for your personal circumstances. We will not collect any personal data from you we do not need in order to provide and oversee this service to you.
What we do with it
All the personal data we use is controlled by Match Mortgages Limited in the UK. No 3rd parties will have access to your personal data unless the law allows them to do so. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data. More information on this framework can be found on our website – https://www.matchmortgages.co.uk/privacy/
Your data is stored electronically on our cloud encrypted server. Our server is based in the UK.
How long we keep it
If we arrange a mortgage or insurance product for you, we are required under legislation to keep your basic personal data, such as name, address, contact details and financial information for a minimum of 3 years after which time it will be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.
What are your rights?
If at any point you believe retained information is incorrect you can request to see this information and even have it corrected and possibly deleted. Providing you this information is free of charge, but charges may apply for excessive requests.
If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter.
Where relevant, you have the right to withdraw consent at any time and this means that we cannot process your data provided without your consent.
If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).
Your consent to use your personal information
When we are arranging insurance or a mortgage for you, we will share your details with mortgage lenders, mortgage/insurance packagers, insurance companies and/or our sourcing systems providers. This enables them to process your information, allowing Optima Health and Life and Match Mortgages Limited to offer suitable and sustainable products that they provide.
Web Site Terms and Conditions of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trade mark law.
2. Use License
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Permission is allowed to temporarily download one duplicate of the materials (data or programming) on this site for individual and non-business use only. This is the just a permit of license and not an exchange of title, and under this permit you may not:
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modify or copy the materials;
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use the materials for any commercial use , or for any public presentation (business or non-business);
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attempt to decompile or rebuild any product or material contained on this site;
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remove any copyright or other restrictive documentations from the materials; or
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transfer the materials to someone else or even "mirror" the materials on other server.
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This permit might consequently be terminated if you disregard any of these confinements and may be ended by this website whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.
3. Disclaimer
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The materials on this website are given "as is". this website makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranties, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, this website does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.
4. Constraints
In no occasion should this website or its suppliers subject for any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on this websites Internet webpage, regardless of the possibility that this website or a website approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don't permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.
5. Amendments and Errata
The materials showing up on this website could incorporate typographical, or photographic mistakes. this website does not warrant that any of the materials on its site are exact, finished, or current. this website may roll out improvements to the materials contained on its site whenever without notification. this website does not, then again, make any dedication to update the materials.
6. Links
this website has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by this website of the site. Utilization of any such connected site is at the user's own risk.
7. Site Terms of Use Modifications
this website may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.
8. Governing Law
Any case identifying with this website site should be administered by the laws of the country of united kingdom this website State without respect to its contention of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
Privacy Policy
Your privacy is critical to us. Likewise, we have built up this Policy with this websites end goal you should see how we gather, utilize, impart and reveal and make utilization of individual data. The following blueprints our privacy policy.
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Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
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We will gather and utilization of individual data singularly with the target of satisfying those reasons indicated by us and for other good purposes, unless we get the assent of the individual concerned or as required by law.
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We will just hold individual data the length of essential for the satisfaction of those reasons.
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We will gather individual data by legal and reasonable means and, where fitting, with the information or assent of the individual concerned.
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Personal information ought to be important to the reasons for which it is to be utilized, and, to the degree essential for those reasons, ought to be exact, finished, and updated.
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We will protect individual data by security shields against misfortune or burglary, and also unapproved access, divulgence, duplicating, use or alteration.
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We will promptly provide customers with access to our policies and procedures for the administration of individual data.
We are focused on leading our business as per these standards with a specific end goal to guarantee that the privacy of individual data is secure and maintained.
What technologies are used?
Type of technologyDescription
Cookies
A cookie is a small file placed onto your device that enables this website features and functionality. Any browser visiting our sites may receive cookies from us or cookies from third parties such as our customers, partners or service providers. We or third parties may also place cookies in your browser when you visit non-sites that display ads, host our plugins (for example, the “Apply with this website” button) or tags
We use two types of cookies: persistent cookies and session cookies. A persistent cookie may help us recognize you as an existing user, so it’s easier to return to this website or interact with our Services without signing in again. A persistent cookie stays in your browser and will be read by this website when you return to one of our sites or a partner site that uses our Services (for example, sites that use our sharing or job application buttons). Session cookies last only as long as the session (usually the current visit to a website or a browser session).
PixelsA pixel is a tiny image that may be found within web pages and emails, requiring a call (which provides device and visit information) to our servers in order for the pixel to be rendered in those web pages and emails. We use pixels to learn more about your interactions with email content or web content, such as whether you interacted with ads or posts. Pixels can also enable us and third parties to place cookies on your browser.
Local storageLocal storage enables a website or application to store information locally on your device(s). Local storage may be used to improve the this website experience, for example, by enabling features, remembering your preferences and speeding up site functionality.
Other similar technologiesWe also use other tracking technologies, such as mobile advertising IDs and tags for similar purposes as described in this Cookie Policy. References to similar technologies in this policy includes pixels, local storage, and other tracking technologies.
Our cookie table lists cookies and similar technologies that are used as part of our Services. Please note that the names of cookies and similar technologies may change over time.
What are these technologies used for?
Below we describe the purposes for which we use these technologies.
PurposeDescription
Authentication
We use cookies and similar technologies to recognize you when you visit our Services.
If you’re signed into this website, these technologies help us show you the right information and personalize your experience in line with your settings. For example, cookies enable this website to identify you and verify your account.
Security
We use cookies and similar technologies to make your interactions with our Services faster and more secure.
For example, we use cookies to enable and support our security features, keep your account safe and to help us detect malicious activity and violations of our User Agreement.
Preferences, features and services
We use cookies and similar technologies to enable the functionality of our Services, such as helping you to fill out forms on our Services more easily and providing you with features, insights and customized content in conjunction with our plugins. We also use these technologies to remember information about your browser and your preferences.
For example, cookies can tell us which language you prefer and what your communications preferences are. We may also use local storage to speed up site functionality.
Customized content
We use cookies and similar technologies to customize your experience on our Services.
For example, we may use cookies to remember previous searches so that when you return to our services, we can offer additional information that relates to your previous search.
Plugins on and off this website
We use cookies and similar technologies to enable this website plugins both on and off the this website sites.
For example, our plugins, including the “Apply with this website” button or the “Share” button may be found on this website or third-party sites, such as the sites of our customers and partners. Our plugins use cookies and other technologies to provide analytics and recognize you on this website and third-party sites. If you interact with a plugin (for instance, by clicking “Apply”), the plugin will use cookies to identify you and initiate your request to apply.
You can learn more about plugins in our Privacy Policy.
Advertising
Cookies and similar technologies help us show relevant advertising to you more effectively, both on and off our Services and to measure the performance of such ads. We use these technologies to learn whether content has been shown to you or whether someone who was presented with an ad later came back and took an action (e.g., downloaded a white paper or made a purchase) on another site. Similarly, our partners or service providers may use these technologies to determine whether we’ve shown an ad or a post and how it performed or provide us with information about how you interact with ads.
We may also work with our customers and partners to show you an ad on or off this website, such as after you’ve visited a customer’s or partner’s site or application. These technologies help us to provide aggregated information to our customers and partners.
For further information regarding the use of cookies and similar technologies for advertising purposes, please see Section 2.4 of the Privacy Policy.
For further information, please see Section 1.4 of the Privacy Policy.
Performance, analytics and research
Cookies and similar technologies help us learn more about how well our Services and plugins perform in different locations.
We or our service providers use these technologies to understand, improve, and research products, features and services, including as you navigate through our sites or when you access this website
from other sites, applications or devices. We, or our service providers, use these technologies to determine and measure the performance of ads or posts on and off this website and to learn whether you have interacted with our websites, content or emails and provide analytics based on those interactions.
We also use these technologies to provide aggregated information to our customers and partners as part of our Services.
If you are a this website member but logged out of your account on a browser, this website may still continue to log your interaction with our services on that browser for up to 30 days in order to generate usage analytics for our Services. We may share these analytics in aggregate form with our customers.
What third parties use these technologies in connection with our Services?
Third parties such as our customers, partners and service providers may use cookies and similar technologies in connection with our Services.
For example, third parties may use cookies, pixels and other technologies in their this website pages, job posts and their advertisements on and off this website for their own marketing purposes. For more information, please visit this website
Third parties may also use cookies and similar technologies in connection with our off-site Services, such as this website ad services, plugins or tags. We may also work with third parties to help us provide our Services and for our own marketing purposes.
Your choices.
You have choices on how this website uses cookies and similar technologies. Please note that if you limit the ability of this website to set cookies and use similar technologies, you may worsen your overall user experience, since it may no longer be personalized to you. It may also stop you from saving customized settings like login information.
Opt Out of targeted advertising
As described in Section 2.4 of the Privacy Policy, you have choices regarding the personalized ads you may see.
Members who use this website can adjust their settings here.
Visitor controls can be found here.
Some mobile device operating systems such as Android and iOS provide the ability to opt out of the use of mobile advertising IDs for ads personalization. You can learn how to use these controls by visiting the manufacturer’s website for both Android and iOS.
Browser controls
Most browsers allow you to control cookies through their settings, which may be adapted to reflect your consent to the use of cookies. Further, most browsers also enable you to review and erase cookies, including cookies this website uses. To learn more about browser controls, please consult the documentation that your browser manufacturer provides.
What is Do Not Track (DNT)?
DNT is a concept that has been promoted by regulatory agencies such as the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing Internet users to control the tracking of their online activities across websites by using browser settings. As such, this website does not generally respond to “do not track” signals.
Other helpful resources
We adhere to self-regulatory principles for interest-based advertising and participate in industry opt-outs from such ads. This does not opt you out of receiving advertising altogether. You will continue to receive other ads from advertisers not listed with these self-regulatory tools or you may receive ads that are not personalized to you.
To learn more about advertisers’ use of cookies, please visit the following links: