What are cookies?

Cookies are small text files that are stored on the hard drive or in the memory of a computer. Don't worry: cookies are not personally identifiable and therefore do not give us any information about your name or email address. They also do not do anything to your computer or to files that you save.

What do cookies do? Like almost all other websites, we use cookies to collect information about how you and other visitors use our website. This allows us to constantly improve and make our website more user-friendly. But more importantly, cookies make it easier for you to use our site, for example by saving your login name, password, and (language) preferences on this website. This saves you time on your next visit to Hypotheek.nl.

There are different types of cookies. The cookies we use on Hypotheek.nl can be divided into four types:

1. Necessary cookies

Necessary cookies are, as the name suggests, necessary to make the website work properly. Thanks to these cookies, you can use the basic functions of this website, for example by browsing the pages or accessing secure pages on Hypotheek.nl.

2. Preference cookies

Preference cookies are intended to store your personal preferences for settings. These cookies ensure that a website can remember information that affects how you see certain pages of the site. Think, for example, of the language of your preference or the region where you live.

3. Statistical cookies

Statistical cookies help us collect data about how our visitors use Hypotheek.nl. We collect data from our visitors, of course anonymously. We create general reports for our own use based on this data. This data cannot be traced back to you as a person. For example, we do not have your name and email address.

4. Marketing cookies

We use marketing cookies to track visitors as they visit different websites. The purpose of this is to show a visitor ads that are specifically relevant to that visitor.

Statistical cookies through Google Analytics

To track how visitors use our website, we use the program Google Analytics. For this, Google processes information. Google does not store names or email addresses, but does store the anonymized address of your internet connection (the IP address) on its own server in the United States.

That sounds more exciting than it is. Google uses this information to track how our website is used, to provide us with reports on the website, and to provide its advertisers with information about the effectiveness of their campaigns. Google can only provide this information to third parties if Google is legally required to do so, or if third parties process the information on behalf of Google. We have no control over this. Of course, we have not allowed Google to use the information obtained for other Google services.

Would you like to know more about the processing of personal data by Google? Then read the Google Privacy Policy for more information.

How to delete cookies?

It is also possible to disable cookies on this website. Please note that our website may not function optimally as a result. You can find out how to delete cookies in your browser by clicking on your browser below:

• Chrome
• Firefox
• Internet Explorer
• Microsoft Edge
• Safari (MacOS)
• iPhone / iPad (iOS)
• Android

Do you want to disable cookies from specific parties? That's also possible. Go to youronlinechoices.com.

Questions or comments?

Do you have any questions or comments regarding this cookie policy? Please contact us through the contact form.

Liability

As a user or visitor of Hypotheek.nl, you are responsible for the decisions you make based on the information on this website. Hypotheek.nl is not liable for any damages that may arise from the use of the website.

Intellectual Property

Hypotheek.nl reserves all rights with regard to the information and content on this website, including all rights relating to the texts, illustrations, graphic material, names, comparisons and logos on Hypotheek.nl. The intellectual property rights for the information on Hypotheek.nl are held by Hypotheek.nl or third parties engaged by Hypotheek.nl.

It is not allowed to copy information from this website without the express written permission of Hypotheek.nl. The information on this website may also not be distributed, reproduced or made available to others in any way without the written permission of Hypotheek.nl. Scraping data from Hypotheek.nl to enrich your own business or private database is also not allowed.

External websites

On some pages of Hypotheek.nl, links to external websites are included, for example to parties such as the SVn or the Tax Authorities. Hypotheek.nl is not liable for the content of those websites and how those websites handle your (personal) data. To learn more about this, it is best to consult the privacy policy of these websites.

Changes

The information on Hypotheek.nl (including this disclaimer) is regularly supplemented and/or modified. Hypotheek.nl reserves the right to make any changes with immediate effect and without any notification. Therefore, we recommend that you consult this disclaimer regularly.

Recording and Processing

When you visit our website or contact Hypotheek.nl, the personal data provided by you will be recorded and processed. We prioritize your privacy when processing your data. Therefore, we adhere to the rules of the General Data Protection Regulation (GDPR) for collecting and processing personal data. In this privacy statement, we will tell you more about how we handle your data.

If you decide to take out mortgage advice with us, we will send you our service guide. This guide contains a privacy statement and an explanation of the data we process when you use our services.

What data do we collect and process?

Hypotheek.nl collects and processes the following types of personal data:

• name;
• contact information to schedule an appointment with you (only if you provide us with this information yourself);
• data that you fill in when making calculations and that you save in my.hypotheek.nl;
• passively provided data.

Actively provided data

The first three types of data are actively provided data. These are data that you actively provide to us and that are collected and processed by Hypotheek.nl. For example, when you fill out the contact form, send us an email, or create an account for my.hypotheek.nl.

Passively provided data

Passively provided data are data that you provide to website administrators without actively leaving data behind. For example, when you visit Hypotheek.nl, we register technical data such as your IP address, the operating system of your computer, tablet or phone, the browser with which you visit our website, and the pages you visit on our website. We use this type of data, among other things, to analyze how our website is used. This way, we can continue to improve our website.

We only process your data with regard to Hypotheek.nl and will not provide your data to third parties or for purposes other than those described above.

Data Processing Agreement

Hypotheek.nl ensures that your personal data are not only safe with us, but also with the external parties we work with. For example, our website is hosted by a hosting provider, and customer data is stored in a customer system. Sometimes your data is stored in systems managed by external parties for this purpose.

To guarantee your privacy, Hypotheek.nl has signed a data processing agreement with external parties. This agreement includes, among other things, agreements on the types of data that are collected, the purposes for which this data is processed, and what is done to secure this data. We do this, of course, in accordance with the law and regulations in the General Data Protection Regulation of the European Union.

Third-party websites

On some pages of Hypotheek.nl, links to external websites are included, such as to parties like the SVn or the Tax and Customs Administration. Hypotheek.nl is not liable for the content of those websites and for how those websites handle your (personal) data. To learn more about this, it is best to view the privacy statement of these websites.

Cookies

When visiting Hypotheek.nl, information about your use of this website can be collected through cookies. Cookies are small text files placed by a website on your computer. Cookies help to facilitate navigating through a website by, for example, remembering login names, passwords, and (language) preferences for your next website visit, after your consent. There are also cookies that make an estimate of your interests based on the websites you visit. These cookies only remember your preferences and interests, based on your browsing behavior, and do not contain personal data.

Hypotheek.nl may place cookies for the following purposes:

• to analyze the use of its websites;
• to optimize this website;
• to place more information targeted to you on the website;
• to set up marketing activities around Hypotheek.nl's products.

You can disable the cookies that remember your preferences and make navigating through Hypotheek.nl easier through your browser settings. See our Cookie Policy for more information on disabling or deleting cookies.

Security of your personal data

We believe it is important to handle your data in a secure way. Therefore, when we store your personal data, we always do so in a secure way. When we store personal information about you, we use a secure SSL connection (Secure Socket Layer).

Retention period

Hypotheek.nl does not keep the personal data you provide for longer than is reasonably necessary for the described purposes. For example, we keep statistical data from our website for 26 months.

Telephone conversations

Telephone conversations with Hypotheek.nl may be recorded for training and coaching purposes. This way we can continue to improve our services. These recordings are not kept longer than strictly necessary and are not available to unauthorized persons.

Access, correction and deletion

You have the right to request access to and correction or deletion of your data. To do so, you can submit a request via our contact page.

To prevent abuse, we may ask you to identify yourself when making such a request. If you want to view personal data that is linked to a cookie, you must include a copy of the cookie in question. You can find this in the settings of your browser.

Changes

Hypotheek.nl may unilaterally change this privacy statement. Therefore, we advise you to consult this privacy statement regularly so that you can see any changes.

Questions or comments?

Do you have any questions or comments regarding this privacy statement? Or do you have a complaint? Then please contact us via the contact form.