Privacy Policy

1. Who We Are

Expat Mortgage Pro B.V.
Herengracht 420
1017 BZ Amsterdam
The Netherlands
KvK: 12345678
Email: privacy@expatmortgagepro.nl

We are an AFM-registered mortgage advisory firm specializing in helping expats obtain mortgages in the Netherlands. As the data controller, we determine the purposes and means of processing your personal data.

2. What Data We Collect

Data you provide directly:

• Identity data: Name, date of birth, nationality, passport/ID details
• Contact data: Email address, phone number, home address
• Financial data: Income, employment details, existing debts, bank statements
• Property data: Property preferences, budget, timeline
• Communication: Messages you send us, consultation notes

Data collected automatically:

• Technical data: IP address, browser type, device information
• Usage data: Pages visited, time on site, click patterns
• Calculator data: Inputs you enter into our mortgage calculator

3. How We Use Your Data

We process your data for these purposes:

• Mortgage advisory services: To assess your situation and provide mortgage advice
• Lender applications: To submit applications to banks and lenders on your behalf
• Communication: To respond to your inquiries and keep you updated
• Legal compliance: To meet our regulatory obligations (AFM, Wwft)
• Service improvement: To improve our website and services
• Marketing: Only with your explicit consent

4. Legal Basis for Processing

We process your data based on:

• Contract: To provide the mortgage advisory services you requested
• Legal obligation: AFM regulations, Wwft (anti-money laundering), tax laws
• Legitimate interest: To improve our services and prevent fraud
• Consent: For marketing communications (you can withdraw anytime)

5. Who We Share Data With

We share your data with:

• Lenders and banks: To process your mortgage application
• Notaries: For property transfer and mortgage registration
• Valuation companies: For property appraisals
• IT providers: Who help us run our systems (under strict contracts)
• Regulators: When legally required (AFM, Belastingdienst)

We do not sell your personal data to third parties.

6. Data Retention

We keep your data for:

• Client files: 7 years after the advisory relationship ends (legal requirement)
• Marketing data: Until you withdraw consent
• Website analytics: 26 months
• Calculator inputs: Session only (not stored unless you submit a form)

7. Your Rights

Under GDPR, you have the right to:

• Access: Request a copy of your data
• Rectification: Correct inaccurate data
• Erasure: Request deletion (where legally permitted)
• Restriction: Limit how we process your data
• Portability: Receive your data in a portable format
• Object: Object to certain processing
• Withdraw consent: For consent-based processing

To exercise your rights, email privacy@expatmortgagepro.nl. We respond within 30 days.

8. Cookies

We use cookies to improve your experience. See our Cookie Policy for details. You can manage cookie preferences through your browser settings.

9. Security

We implement appropriate technical and organizational measures to protect your data, including:

• SSL encryption for all data transmission
• Access controls and authentication
• Regular security assessments
• Staff training on data protection

10. International Transfers

Your data is primarily processed within the EU/EEA. Where we use service providers outside this area, we ensure appropriate safeguards (such as Standard Contractual Clauses) are in place.

11. Changes to This Policy

We may update this policy periodically. Significant changes will be communicated via email or website notice. The "last updated" date indicates the latest version.

12. Complaints

If you have concerns about how we handle your data, please contact us first. You also have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens):

www.autoriteitpersoonsgegevens.nl

13. Contact

For privacy-related questions: