Privacy Policy

Last updated: January 2025

1. Introduction

The HMO Mortgage Broker ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact details (email, phone, address)
• Financial information (income, credit history, assets)
• Property information and investment history
• Employment details and business information
• Identification documents and verification data

2.2 Technical Information

We automatically collect:

• IP address and device information
• Browser type and version
• Usage data and website interactions
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information to:

• Provide mortgage brokerage and advisory services
• Process loan applications and arrange financing
• Communicate with you about our services
• Comply with legal and regulatory requirements
• Improve our website and services
• Send marketing communications (with your consent)

4. Legal Basis for Processing

We process your personal data based on:

• Contract: To provide our mortgage brokerage services
• Legal obligation: To comply with financial regulations
• Legitimate interests: To improve our services and prevent fraud
• Consent: For marketing communications and optional services

5. Sharing Your Information

We may share your information with:

• Lenders and financial institutions: To process your mortgage applications
• Professional advisors: Including solicitors, surveyors, and accountants
• Regulatory bodies: As required by law
• Service providers: Who help us operate our business
• Credit reference agencies: For credit checks and verification

We never sell your personal data to third parties for their own marketing purposes.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. This includes:

• SSL encryption for data transmission
• Secure data storage and access controls
• Regular security assessments and updates
• Staff training on data protection

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal requirements. Typically:

• Active clients: For the duration of our relationship plus 6 years
• Unsuccessful applications: 12 months after application closure
• Marketing data: Until you withdraw consent or we determine it's no longer needed

8. Your Rights

Under data protection law, you have the right to:

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data in certain circumstances
• Restriction: Limit how we process your data
• Portability: Receive your data in a structured format
• Object: Object to processing based on legitimate interests
• Withdraw consent: For consent-based processing

9. Cookies

Our website uses cookies to improve your experience and provide personalized content. You can control cookie settings through your browser preferences. For more information, see ourCookie Policy.

10. Third-Party Services

Our website may contain links to third-party websites or integrate with external services. We are not responsible for the privacy practices of these third parties. Please review their privacy policies before providing any personal information.

11. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes through our website or by email.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not handled your personal data appropriately.