Privacy Policy - The Mortgage Experts

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Privacy Policy

At The Mortgage Experts, we are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store, and disclose your personal information in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who We Are

The Mortgage Experts is a provider of mortgage advice and brokerage services. We act as a data controller for the personal data we collect and process. If you have any questions about how we handle your information, please contact us at:

The Mortgage Experts
3 Regent Street
Rugby
England
CV21 2PE
Email: hello@themortgageexperts.co.uk
Telephone: 0333 1883 480

2. What Information We Collect

We collect and process the following types of personal data:

a. Personal Data You Provide

  • Full name
  • Email address
  • Telephone number
  • Residential address
  • Employment and financial information (e.g., income, credit history)
  • Mortgage preferences and property details

b. Technical Data

  • IP address
  • Browser type and version
  • Pages visited on our website
  • Device type
  • Cookies and similar tracking technologies

3. Lawful Basis for Processing

We will only process your personal data when we have a lawful basis to do so, including:

Consent – where you have given us explicit permission (e.g. to receive marketing emails)

Contract – to fulfil our obligations in providing mortgage-related services

Legal obligation – to comply with regulatory requirements

Legitimate interests – such as improving our services, fraud prevention, and securing our systems

4. How We Use Your Information

We use your information to:

  • Provide you with tailored mortgage advice
  • Process applications on your behalf
  • Communicate with you regarding services or enquiries
  • Meet our regulatory and legal obligations
  • Improve our website and customer experience
  • Send promotional material (if you have opted in)

5. Data Sharing

We may share your personal data with:

  • Mortgage lenders and financial institutions
  • Credit reference agencies (with your consent)
  • Professional service providers (e.g., IT, legal, compliance)
  • Regulatory bodies such as the Financial Conduct Authority (FCA), if required
  • Third-party service providers under contract, bound by confidentiality and data protection obligations

We do not sell or rent your personal data to third parties.

6. International Transfers

We do not routinely transfer your personal data outside the UK. If it becomes necessary, we will ensure that appropriate safeguards (such as Standard Contractual Clauses) are in place to protect your information.

7. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy, or to comply with legal, regulatory, and contractual obligations. Typically, this means:

  • Enquiry data: retained for up to 12 months
  • Client files: retained for a minimum of 6 years in line with FCA requirements

8. Your Rights

Under the UK GDPR, you have the right to:

  • Access the personal data we hold about you
  • Request rectification of inaccurate or incomplete data
  • Request erasure of your personal data (in certain circumstances)
  • Restrict or object to the processing of your data
  • Data portability (to receive your data in a structured, commonly used format)
  • Withdraw consent where processing is based on consent
  • Lodge a complaint with the Information Commissioner’s Office (ICO) if you are concerned about how your data is handled

To exercise your rights, please contact us at: hello@themortgageexperts.co.uk

For further information, you may contact the ICO at www.ico.org.uk

9. Cookies

Our website uses cookies to improve functionality and gather analytics. You can control or disable cookies through your browser settings. For more information, please refer to our Cookie Policy.

10. Security

We take appropriate technical and organisational measures to protect your data, including encryption, secure servers, and access controls. While we strive to protect your information, no internet transmission can be guaranteed as 100% secure.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any significant changes will be communicated via our website or direct contact, and the “Effective Date” at the top will be updated.

12. Contact Us

If you have any questions, concerns, or wish to exercise your rights, please contact:

The Mortgage Experts
3 Regent Street
Rugby
England
CV21 2PE
Email: hello@themortgageexperts.co.uk
Telephone: 0333 1883 480