Privacy policy

By registering with Wayhome, you are providing personal data which we strive to protect. We promise to never sell your data and always respect your marketing choices. Your privacy is protected by law, and it is also protected by our privacy policy. This page gives you an idea of how we collect your information, why we collect it, and how we process it.

Contact details

Please note that Wayhome is a trading name of:

Unmortgage Ltd, a private company registered in England and Wales under registration number 10395239 and with a registered office at 9 Appold St, London, United Kingdom, EC2A 2AP

and:

Unmortgage Arrangers Limited, a private company registered in England and Wales under registration number 11842567 and with a registered office at 9 Appold St, London, United Kingdom, EC2A 2AP

Please note that references on this page to ‘our’, ‘we’ and ‘us’ have the meaning of Unmortgage Ltd and its subsidiaries, trading as “Wayhome”.

Unmortgage Ltd is the data controller unless otherwise specified. You can contact Unmortgage Ltd using this address:

  • Wayhome (Unmortgage Ltd)
  • 9 Appold St
  • London
  • EC2A 2AP

Or, you can email us on yourprivacy@wayhome.co.uk.

How we receive information

Most of the personal information we process is provided to us directly by you for one of the following reasons:

  • You have made an enquiry about our product
  • You have shared information for us to assess your suitability for our product
  • You have shared the information needed to buy a home with our partners
  • You subscribe to news and updates
  • You have applied for a job or secondment with us
  • You are representing your organisation and wish to communicate with us

We also use cookies to collect other information and help us analyse the performance of our website and service. Read more about our cookie policy.

What information we collect

Personal data—or personal information—is any information about an individual that can identify them.

We collect:

  • Identity Data including your first name, last name, current and previous address and date of birth.
  • Data for job applicants including employment history, education, experience, work permit, and visa status.
  • Contact Data including email address, telephone numbers, home address, employer address, employer name.
  • Account Data including information you give us when you register your account.
  • Financial Data including account and card payment details, bank income, savings, spending and credit history.
  • Technical Data including internet protocol (IP) address, browser type and version, location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access the website and services.
  • Application Data including details about your family and living situation, property preferences and housing history.
  • Usage Data including information about how you use our website and services.
  • Marketing and Communications Data including your consent to get updates from us.

We might also keep other information that we categorise as ‘sensitive personal data’.

We will not usually ask for sensitive personal data. We will only ask if we think it is causing a difficulty with your account. For example, if you are struggling due to illness. We will always explain why we are asking for it and how we might use it. Sensitive data might include:

  • ethnic origin
  • political belief
  • religious belief
  • membership to a trade union
  • physical health or condition
  • mental health or condition
  • sexual preference
  • criminal offences

Sensitive personal data is given higher protections. We can’t share this information outside the company without your permission. And, it’s only shared with team members that absolutely need to see it to perform their job.

How we might use your information

We use this information to qualify you as a potential Wayhome customer and to help you buy a home.

We might use your information to:

  • help us work out if we might be right for you
  • help us work out which homes might be suitable for you
  • enter into a partnership to buy a home
  • improve your experience
  • provide you with marketing information about us and our services (you can unsubscribe at any time)
  • let you know about changes to the website and service
  • work out if you are a suitable candidate if you apply for a role
  • help us train new candidates
  • protect our servers against attacks

We will occasionally update our privacy policy to reflect company and customer feedback. We will let you know if we update it so you are aware of how we use your information.

So we can give you the best service, we might need to share your personal information with trusted third parties. We will not share special personal data without asking you first. If you do not want us to, you can withhold or withdraw your consent.

We use Intercom to manage customer communications. Data is processed in the United States under the UK/EU Data Privacy Framework, which provides safeguards for international transfers.

How we might contact you

We may contact you:

  • to let you know about changes to our service, website, terms and conditions, or privacy policy
  • to give you information you have asked for (e.g. a link to log in)
  • to invite you to participate in surveys (e.g. to help us understand the homes you like)
  • if you express an interest in a specific home
  • to give you additional information about a home you’ve shown interest in
  • to return a call-back request
  • to keep you updated about future changes (e.g. new homes in new areas)
  • to help you understand how Wayhome works and might work for you
  • to help you understand our qualification process
  • if you opt in to receive marketing

Credit reference checks

As part of our process, we may do credit and identity checks with one or more credit reference agencies (CRAs).

We submit your personal information to the CRAs. They send back information based on your credit application including things about your financial situation and financial history.

Here’s some standard information for new tenancy applications.

To process your application, we might do credit and identity checks with our credit check partners, Experian. If you become a Wayhome customer we may also do regular checks in the future to manage your account.

To do a credit check we ask you for some information which we process with Experian. They give us information about your financial situation, your financial history, shared credit, and fraud prevention. They also give us public information like whether you are on the electoral register.

We use this information to:

  • access whether you are creditworthy
  • access whether you can afford to use Wayhome
  • verify the accuracy of the information you have given us
  • prevent criminal activity, fraud, and money laundering
  • manage your account(s)
  • trace and recover debts
  • make sure we only provide help appropriate to your circumstances

When we process your details with Experian, they place a search footprint on your credit file which can’t be seen by other organisations.

We may use this information to work out whether Wayhome is suitable for you and to verify the accuracy of the data you’ve provided.

For more information, read the credit reference agency information notice.

Who we might share your information with

We might share your information with other entities that have partnerships with the Unmortgage group. We will not share your information with other organisations except as part of providing a product or service to you and/or when legally obliged to.

How long we retain information

We will hold your information to contact you about our products and services and to improve your experience. We may also contact you to request updated details.

We may hold your personal information for longer, for example if the Financial Conduct Authority require us to.

For more details on our data retention policy, you can email us on yourprivacy@wayhome.co.uk.

Our use of aggregated and anonymised information

We may anonymise the information you give us for financial modelling, research and development

We anonymise information to minimise the risk of anyone being able to identify you. We may share any resulting analysis with third parties.

We may combine your anonymised information with anonymised information from other users of our service and share it with third parties. We do this is help us improve our service.

Your rights

You can ask us for the information we hold about you. You can ask us to amend, erase, or delete it. And, you can restrict how we process and share it. We’ll acknowledge and carry out any request within 30 days, with no cost to you.

You can access the personal information we have about you by using these contact details:

  • Wayhome (Unmortgage Ltd)
  • 9 Appold St
  • London
  • EC2A 2AP

Or, you can email us on yourprivacy@wayhome.co.uk.

You can also use these contact details to withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. If this is the case, we will let you know.

And, you can use these contact details to let us know if you are unhappy with how we’ve used your personal information.

You also have the right to complain to the Information Commissioner’s Office.

Consent to the use of cookies

For our website to function properly we use cookies. To obtain your valid consent for the use and storage of cookies in the browser you use to access our website and to properly document this we use a consent management platform: CookieFirst. This technology is provided by Digital Data Solutions BV, Plantage Middenlaan 42a, 1018 DH, Amsterdam, The Netherlands. Website: https://cookiefirst.com referred to as CookieFirst.

When you access our website, a connection is established with CookieFirst’s server to give us the possibility to obtain valid consent from you to the use of certain cookies. CookieFirst then stores a cookie in your browser in order to be able to activate only those cookies to which you have consented and to properly document this. The data processed is stored until the predefined storage period expires or you request to delete the data. Certain mandatory legal storage periods may apply notwithstanding the aforementioned.

CookieFirst is used to obtain the legally required consent for the use of cookies. The legal basis for this is article 6(1)(c) of the General Data Protection Regulation (GDPR).

Data processing agreement

We have concluded a data processing agreement with CookieFirst. This is a contract required by data protection law, which ensures that data of our website visitors is only processed in accordance with our instructions and in compliance with the GDPR.

Server log files

Our website and CookieFirst automatically collect and store information in so-called server log files, which your browser automatically transmits to us. The following data is collected:

  • Your consent status or the withdrawal of consent
  • Your anonymised IP address
  • Information about your Browser
  • Information about your Device
  • The date and time you have visited our website
  • The webpage url where you saved or updated your consent preferences
  • The approximate location of the user that saved their consent preference
  • A universally unique identifier (UUID) of the website visitor that clicked the cookie banner

Data Privacy Notice from our Funding Partner

You can read more about our Funding Partner Data Privacy Notice.

Getting more information

If you need more information about anything you’ve read, please feel free to email us on yourprivacy@wayhome.co.uk.