Privacy Policy

  • We may collect and process the following types of personal data:

    • Identity Data: Name, title, date of birth, gender

    • Contact Data: Address, email address, telephone numbers

    • Financial Data: Income, employment details, bank account information, credit history, existing financial commitments

    • Transaction Data: Details about mortgage applications, insurance policies, and financial products you've enquired about or purchased

    • Technical Data: IP address, browser type, device information, cookies

    • Usage Data: Information about how you use our website and services

    • Marketing Data: Your preferences for receiving marketing communications

    • Special Categories: Health information (only when relevant to protection insurance products and with your explicit consent)

  • We use your personal data for the following purposes:

    • Service Delivery: To provide mortgage advice, arrange financial products, and deliver the services you've requested

    • Legal Obligations: To comply with FCA regulations, anti-money laundering requirements, and other legal obligations

    • Contract Performance: To process mortgage applications and manage your client relationship

    • Legitimate Interests: To improve our services, send relevant product information, and maintain our business records

    • Marketing: To send you information about products and services (only with your consent, and you can opt out at any time)

    • System Security: To protect our website and systems from security threats

    • Quality Assurance: To monitor and record telephone calls for training and quality purposes

  • We process your personal data based on one or more of the following legal grounds:

    • Consent: You have given clear consent for us to process your personal data for a specific purpose

    • Contract: Processing is necessary for a contract we have with you, or because you've asked us to take specific steps before entering into a contract

    • Legal Obligation: Processing is necessary for us to comply with the law (not including contractual obligations)

    • Legitimate Interests: Processing is necessary for our legitimate interests or those of a third party, provided your rights don't override those interests

    • Vital Interests: Processing is necessary to protect someone's life

    • Explicit Consent: For special category data (such as health information), we require your explicit consent

  • We may share your personal information with:

    • Lenders and Product Providers: To obtain mortgage quotes and process applications

    • Credit Reference Agencies: To assess creditworthiness and prevent fraud

    • Solicitors and Surveyors: As part of the mortgage process

    • Insurance Providers: For protection insurance products

    • FCA and Regulatory Bodies: To comply with regulatory requirements

    • Professional Advisers: Including lawyers, auditors, and insurers

    • IT Service Providers: Who help us maintain our systems and provide services

    • Analytics Providers: To help us improve our website and services

    We require all third parties to respect the security of your personal data and treat it in accordance with the law. We only permit them to process your data for specified purposes and in accordance with our instructions.

  • Under data protection law, you have the following rights:

    • Right to Access: Request copies of your personal data

    • Right to Rectification: Request correction of inaccurate or incomplete data

    • Right to Erasure: Request deletion of your personal data in certain circumstances

    • Right to Restrict Processing: Request that we limit how we use your data

    • Right to Data Portability: Request transfer of your data to another organization or to you

    • Right to Object: Object to processing based on legitimate interests or direct marketing

    • Rights Related to Automated Decision Making: Not be subject to solely automated decisions, including profiling

    • Right to Withdraw Consent: Withdraw consent at any time where we're relying on consent

    To exercise any of these rights, please contact us using the details provided at the end of this policy. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe your data protection rights have been breached.

  • We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include:

    • Encryption of data in transit and at rest

    • Regular security assessments and penetration testing

    • Secure data storage with restricted access

    • Employee training on data protection

    • Confidentiality agreements with staff and contractors

    • Regular backups and disaster recovery procedures

    • Access controls and authentication measures

    While we strive to protect your personal data, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but will notify you and the ICO of any data breaches where legally required.

  • We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected:

    • Active Clients: Throughout the duration of our relationship and for ongoing service provision

    • Completed Transactions: Minimum of 6 years after the mortgage completes or advice is given (FCA requirement)

    • Declined Applications: Up to 6 years from the date of decline

    • Marketing Data: Until you withdraw consent or we determine it's no longer relevant

    • Enquiries: Up to 2 years if no service is provided

    After the retention period expires, we will securely delete or anonymize your personal data. Some information may be retained longer if required by law or for legal proceedings.

  • Our website uses cookies to enhance your browsing experience and analyze website traffic. Cookies are small text files stored on your device. We use the following types:

    • Essential Cookies: Necessary for the website to function properly

    • Performance Cookies: Help us understand how visitors use our website

    • Functional Cookies: Enable enhanced functionality and personalization

    • Marketing Cookies: Track visitor activity to deliver relevant advertisements

    You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website. For more information about cookies and how to manage them, visitwww.allaboutcookies.org.

  • Our website may contain links to third-party websites and services, including:

    • Social media platforms

    • Lender websites

    • Partner organizations

    • Industry resources

    We are not responsible for the privacy practices of these third parties. We recommend reviewing their privacy policies before providing any personal information. This privacy policy applies only to information collected through our website and services.