Privacy Policy

Lawful Basis for Processing

We will typically use your personal data in the following circumstances. We may use more than one lawful processing purpose, specific to how your data is being used:

• Where you have provided your consent.
• Where we need to perform the contract that we are about to commence or have commenced.
• Where it is necessary to carry out our legitimate interests including those of our third parties, and your interests and fundamental rights do not supersede those interests.
• Where we need to comply with a legal or regulatory obligation.

When we rely on consent as a legal basis for processing your personal data, you have the right to withdraw consent at any time by contacting us at [email protected].

What Happens to Your Information?

We, as the data controller, take appropriate security measures to protect your data from unauthorised access, but you acknowledge that we cannot always guarantee the safety and security of information sent over the internet before it reaches us.

With your consent, we shall request data from you for processing which will only be used for its intended purpose, or to meet our legal and regulatory requirements. If you provide information about another person — for example if you are applying for a mortgage in joint names — you must have their permission to provide their information before sharing it with us.

Your data that is held by us could be in paper format or electronically. You have the right to opt out of additional processing at any time by emailing [email protected] with your request.

Your data will only be shared with third parties where it is necessary to fulfil the services requested by you. We may receive requests from a third party with authority to obtain disclosure of your data such as regulatory bodies, or where there has been an alleged criminal offence or unlawful activity.

In respect of marketing purposes, we will not share any of your information with any third parties for this purpose unless you agree, and once you have agreed you can opt out at any time.

If we have your marketing consent, we shall contact you with other products and services which we believe will be of interest to you. In respect of any promotional activity, we will only use the contact details you have provided.

Third Parties We Work With

Our third parties that we work with, and whom we are likely to share your data with, are:

• Knowledge Bank — to provide sourcing on more complex circumstances.
• iPipeline — to provide protection sourcing solutions.
• Paradigm Consulting — who provide our contingency compliance support.
• Paradigm Mortgage Services — who provide a gateway to lenders.
• Legal & General — who provide a gateway to lenders.
• Paradigm Protect — who provide a gateway to protection providers.
• FCA — who will hold non-identifiable data.
• Acre Software — who provide our CRM, including a client portal and mortgage sourcing solutions.
• Switch Financial Network — our appointed representative network.
• MailChimp — to communicate with clients.
• Dashly — who provide mortgage monitoring solutions.

Data Retention

We will keep your information for as long as necessary or for as long as the relevant laws permit so that we can provide you with the services you have requested. Whilst we hold your information, we will use appropriate security measures to protect your data against any unauthorised access or unlawful use.

Information We Collect

When applying for a mortgage or protection, we want to provide the best possible service. For us to do this, we will ask you for information in our first contact with you and complete a fact find. The types of information we collect include:

• Data that identifies you as a person such as your name, address, date of birth, and contact numbers.
• Financial information such as bank statements, bank account details, income details including payslips, and details of your credit history.
• Technical data including your navigation of our website, your IP address, or log-in details when using our portal to exchange important documents.
• Transactional data collected from the products you buy from us.
• Data required by the lender to underwrite your application.
• Marketing data preferences from us and our business partners, including how you prefer us to keep in touch with you.

We may need to collect sensitive data, also described as 'Special Category' data, because it is likely to include health details, criminal offences, and convictions. Special Category data is typically collected when we talk to you about suitable mortgage options or protection policies during our fact find process. Some data is also collected for the purposes of preventing fraud.

Wherever practical, we shall keep your information up to date so that it is accurate and current. If your personal information changes, please let us know. Information we keep is stored securely. When using our website, we collect information to help us understand how our visitors are using it — information collected for this purpose is completely anonymous.

Cookie Usage

Cookies are used to help website visitors navigate more efficiently by placing small text files in places that you have visited. You can control cookie usage when you visit a website, but you may find that some functions don't work as well. Some cookies are essential and are set automatically, whilst others need to be approved when you first visit a website.

Your Rights

You have rights under data protection laws in relation to your personal data. Please contact us if you would like to discuss or exercise your rights under the General Data Protection Regulations. Your rights include:

• Request access to your personal data (a Data Subject Access Request or DSAR), enabling you to receive a copy of the personal data we hold about you and to check that it is being processed lawfully.
• Request correction of the personal data that we hold about you.
• Request erasure of your personal data where there is no good reason for us continuing to process it.
• Object to processing of your personal data where we are relying on a legitimate interest.
• Request restriction of processing of your personal data.
• Request the transfer of your personal data to you or to a third party in a structured, commonly used, machine-readable format.
• Withdraw consent at any time where we are relying on consent to process your personal data.

Disclaimer

Nothing on this website shall be deemed to constitute financial advice. If you wish to have any such advice, please contact us.

Whilst we use all reasonable efforts to ensure that the information published on this website is accurate, current, and complete at the date of publication, no representations or warranties are made (express or implied) as to the accuracy, currency, or completeness of such information. We cannot accept responsibility (to the extent permitted by law) for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website or any other website to which it may be linked.

This website is for information purposes only and its content is subject to change without notice. We reserve the right to change, modify, add, or remove provisions of this Privacy Policy at any time. Any changes to this Policy will be available here and we recommend that you visit this Policy during your relationship with us.

Access by you to our website is confirmation that you have understood and agreed to be bound by all of these terms and conditions. This website is prepared and issued in the United Kingdom and is intended for the information of United Kingdom residents only.