Privacy Policy

Who We Are

We are committed to protecting your personal data and handling it with transparency and integrity. This Privacy Notice outlines how we collect, use, store, and protect your personal information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and any other relevant legislation.

Our Role

We act as a Data Controller when we collect and process your personal data in relation to mortgage, protection, and insurance services.

Contact Details
If you have any questions about this notice or the way we use your personal data, you can contact us at:
 

**Add details here**

What Personal Data We Collect

We may collect the following categories of personal data from you:

• Identity data 

(e.g. full name, date of birth, nationality)

• Contact data 

(e.g. address, phone number, email)

• Financial data 

(e.g. income, bank statements, credit history, savings)

• Employment  data 

(e.g.  employer name, job title, contract type)

• Property information

(e.g. purchase price, existing mortgages)

• Visa/immigration status, if applicable
• Special category data, where required and with your explicit consent 

(e.g. health-related data for protection policies)

How We Collect Your Data

We may collect data from:

• Direct interactions: Information you provide when you enquire, complete forms, or communicate with us.
• Third parties: Information from credit reference agencies, employers, lenders, or other intermediaries, where necessary.
• Public sources: Information from publicly available registers (e.g. Companies      House or HM Land Registry).

How We Use Your Data

Your personal data may be used to:

• Provide mortgage, protection, or insurance advice
• Submit applications to lenders and insurers
• Conduct affordability and suitability assessments
• Meet regulatory obligations, including fraud prevention and anti-money      laundering checks
• Communicate with you during the advice process
• Contact you with relevant updates, renewals, and reviews (with your consent)

We only use your data when legally permitted. Most commonly, we rely on the following legal bases:

• To fulfil a contract with you
• To comply with legal or regulatory obligations
• For our legitimate interests (e.g. to run our business and deliver services)
• Based on your consent (e.g. for marketing communications or special category data)

Who We Share Your Data With

Your information may be shared with:

• Mortgage lenders and protection providers
• Credit reference and fraud prevention agencies
• Regulatory authorities (e.g. FCA or HMRC) where required
• Third-party service providers who support our business operations (e.g. CRM systems, secure document portals)
• Surveyors, solicitors, or estate agents - only with your agreement

We ensure that all third parties respect the security of your personal data and comply with data protection laws.

Marketing

We may contact you with relevant updates or offers, but only if we have your consent or another lawful basis to do so. You can opt out of marketing at any time by contacting us or clicking “unsubscribe” in any email communication.

Data Security

We take appropriate security measures to protect your data from loss, misuse, or unauthorised access. These include:

• Secure servers and encrypted systems
• Access controls and data minimisation practices
• Regular reviews of data protection processes

How Long We Keep Your Data

We retain your data only as long as necessary to fulfil the purposes we collected it for, including legal, accounting, or regulatory requirements. Typically, this is up to six years from the end of your relationship with us, unless a longer retention period is required by law.

Your Rights

Under data protection law, you have the following rights:

• Access to the personal data we hold about you
• Correction of inaccurate or incomplete data
• Erasure of your data (“the right to be forgotten”)
• Restriction of processing in certain circumstances
• Object to processing based on legitimate interests
• Data portability to another provider
• Withdraw consent at any time (where consent is the basis of processing)

To exercise any of these rights, please contact us directly.

How to Complain

If you have concerns about how we’ve handled your data, please contact us so we can address the issue. You also have the right to complain to the Information Commissioner's Office (ICO):

Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Telephone: 0303 123 1113
Website: www.ico.org.uk