Privacy Policy

Why should you read this notice?

When you ask us to help with a mortgage or related product, we need to collect and use information about you. This notice explains what we collect, why we collect it, and the rights you have over your information.

What do we mean by “personal data”?

“Personal data” means any information that can identify you directly or indirectly. This can include your name, contact details, date of birth, financial information, employment details, information about your property, and details about any existing credit commitments.

In order to recommend suitable products, we may also need to ask you about your broader financial circumstances and objectives, and in some cases information relating to your health or family circumstances where this is relevant to the advice being given.

How we use your personal data

• To understand your needs and recommend suitable products.
• To prepare and submit applications to lenders or other product providers on your behalf.
• To meet our legal and regulatory obligations, including anti-money-laundering and fraud-prevention checks.
• To keep appropriate records of the advice and services we provide.
• To contact you about your enquiry and keep you updated on the progress of any application.

We will only use your information where we have a lawful basis to do so – for example because it is necessary for the performance of our contract with you, because we have a legal obligation, or because we have a legitimate interest that is not overridden by your rights.

Who we share your information with

We may share your information with:

• Mortgage lenders, insurance providers and other product providers so they can assess your application.
• Third-party service providers who help us deliver our services, such as compliance support and IT hosting.
• Regulators, law-enforcement bodies or courts where we are required to do so by law.

We will not sell your personal data to third parties. We will only share what is necessary for the purpose described.

How long we keep your information

We keep your information for as long as we reasonably need it for the purposes described in this notice and in line with our regulatory obligations. Typically this will be for a minimum of six years from the date we last provided a service to you.

Your rights

You have a number of rights over your personal data, including:

• The right to request a copy of the information we hold.
• The right to ask us to correct information that is inaccurate or incomplete.
• In certain circumstances, the right to ask us to delete or restrict the use of your information.
• The right to object to certain types of processing, including direct marketing.
• The right to complain to the Information Commissioner’s Office if you are unhappy with how we use your data.

How to contact us about your data

If you have any questions about this Privacy Policy or would like to exercise any of your rights, please contact us using the details on our website and we will be happy to help.