Privacy policy

What we collect

To give mortgage or protection advice we need to know a good deal about you. Typically that means:

• Name, date of birth, contact details and address history
• Employment, income and outgoings
• Details of your assets, debts and credit history
• Information about the property involved
• Health and lifestyle information, where you are applying for protection cover
• Identification documents required for anti-money-laundering checks

Why we hold it, and on what basis

We process your data to provide the advice you have asked for (performance of a contract, or steps taken at your request before entering one), to meet our legal and regulatory obligations under FCA rules and anti-money-laundering law, and where we have a legitimate interest in running our business — for example keeping records of the advice we gave.

Health information is special category data. Where we process it for a protection application, we do so on the basis of your explicit consent, which you can withdraw.

Who we share it with

Only where it is necessary: lenders and insurers we approach on your behalf; our regulatory principal Mortgage Force (UK) Ltd; credit reference and fraud prevention agencies; our IT and customer-management providers under written contract; your solicitor or accountant where you have asked us to liaise with them; and regulators or law enforcement where we are legally required to. We do not sell your data, and we do not share it for anyone else's marketing.

How long we keep it

FCA rules require advice records to be kept for a minimum period, and for some products indefinitely. In practice we retain mortgage advice records for at least six years from the end of the relationship, and protection records for the life of the policy plus six years. Enquiries that do not proceed are deleted after two years.

Your rights

• Access — ask for a copy of the data we hold about you
• Rectification — have inaccurate data corrected
• Erasure — ask us to delete data, where no legal obligation requires us to keep it
• Restriction and objection — limit how we use your data
• Portability — receive your data in a machine-readable form
• Withdraw consent — where processing is based on consent

To exercise any of these, email richard@primemortgages.co.uk. We will respond within one month. If you are unhappy with our response you can complain to the Information Commissioner's Office at ico.org.uk or on 0303 123 1113.

Cookies

This website does not use advertising or tracking cookies, and it does not set any cookie that identifies you. If we add analytics in future, this policy will be updated and you will be asked for consent first.