영국에서 집 구매 경험 있으신 분 도와주세요 ㅠㅠ > 생활/지역

안녕하세요

이번에 영국에서 집을 구매하는데,

Mortgage를 받아서 10% 디포짓을 내야하는데,

디포짓 10%를 한국에 계신 엄마한테 증여를 받았습니다.

그런데 솔리시터가 저희 한국에 계신 엄마(Gifter)의 모든 개인정보 (재산, 집 대출비용, 보험내역, 일자리 등등)을 직접 확인할 수 있는 권한과

그 정보를 가지고 있을 권리에 대해서 저희 엄마 싸인을 받아오라고 해서요....




대출 보증인도 아니고 10%면 몇천만원인건데, 여기에 싸인하는게 맞는걸까요 ? ㅜ


한국에 엄마 재산이 좀 있으셔서.. 개인정보에 예민하신 부분이라서

싸인하기 전 불안해서 한번 더 여쭤봅니다 ㅜㅜㅜ

혹시 아시는 내용이 있으시면 답변 부탁드립니다.! 정말 감사합니다.



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Customer Privacy Notice


Why should you read this document?

During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial
situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we
will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.


What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example
your name, address, date or birth, National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation,
your physical and mental health history, or any other information that could be associated with your cultural or social identity. In the context of providing you
with assistance in relation to your Mortgage, Finance and Insurance requirements, in addition to Investment and Pension services by way of introduction to
Lakeside Financial Solutions Ltd. and for Will and Estate planning through Lakeside Wills Ltd. Your Personal Data may include:
Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances
and details of dependents
Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing
we may undertake in relation to this type of information)
Any pre-existing Mortgage, Finance and Insurance requirements, in addition to Investment and Pension and Will products and the terms and conditions
relating to these



The basis upon which our Firm will deal with Your Personal Data

When we speak with you about your Mortgage, Finance and Insurance requirements in addition to Investment and Pension services by way of introduction to
Lakeside Financial Solutions Ltd. and for Will and Estate planning through Lakeside Wills Ltd. we do so on the basis that both parties are entering a contract for
the supply of services. In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes
detailed below.
Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to
use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to
requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with
you to seek feedback on the service you received. On occasion, we will use Your Personal data for contractual responsibilities we may owe our regulator The
Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be
processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.


The basis upon which we will process certain parts of Your Personal Data

Where you ask us to assist you with for example your insurance or ethical investments, in particular life insurance and insurance that may assist you in the event
of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use
Your Special Data in order to make enquiries of insurance and investment providers in relation to insurance products that may meet your needs and to provide
you with advice regarding the suitability of any product that may be available to you. If you have parental responsibility for children under the age of 13, it is
also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data. The arrangement of certain
types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal
Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management. We will use special Data and any Criminal
Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice. Information on Special Category Data and Criminal Disclosures
must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the
important insurance protection that their needs require.


How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course
of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages, Finance, Insurance and
Investments and Wills & Estate Planning. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public
domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your
credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to
electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

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