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Privacy Policy

Last updated: 13 October 2025

Introduction

This Privacy Policy explains how Mortgages Check collects, uses, and protects personal information. We comply with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the rules of the Financial Conduct Authority (FCA).

Mortgages Check is an Appointed Representative of Ingard Financial Limited, which is authorised and regulated by the Financial Conduct Authority under registration number 450731.

Contact Details

If you have any questions about this policy or how your data is handled, please contact:
Email: info@mortgagescheck.co.uk
Telephone: 07504 858954

Information We Collect

We may collect and process the following personal data:

  • Name and contact details
  • Financial and employment information
  • Identification and verification documents
  • Credit and mortgage details
  • Records of communications with you
  • Technical data such as IP address and browser type (via cookies)

We only collect information necessary to provide our services and meet legal and regulatory obligations.

Lawful Bases for Processing

We process personal data under the following lawful bases set out in Article 6 of the UK GDPR:

  1. Contract: to take steps at your request before entering into a contract and to provide the services you request.
  2. Legal obligation: to meet obligations under laws and regulations, including those set by the FCA and anti-money laundering legislation.
  3. Legitimate interests: for business administration, record keeping, and service monitoring.
  4. Consent: where you have agreed to receive marketing communications or for the use of non-essential cookies.
  5. Vital interests: where processing is necessary to protect someone’s life.
  6. Public task: if required to share information with public or regulatory authorities.

How We Use Your Data

Your data is used to:

  • Respond to enquiries and provide services
  • Verify identity and carry out required checks
  • Submit applications to relevant providers
  • Meet legal, regulatory, and audit requirements

We do not use your data for automated decision-making or profiling.

Sharing Information

We may share your data with:

  • Ingard Financial Limited, for compliance purposes
  • Lenders, insurers, and other service providers relevant to your enquiry
  • Credit reference and identity verification agencies
  • Regulatory or law enforcement bodies, where required
  • Professional service providers who support our business operations

All parties are required to handle your information securely and in accordance with data protection law.
We do not sell or rent your personal data.

Data Retention

We keep your data only as long as necessary to meet legal and regulatory requirements, usually up to six years after the end of our relationship, unless a longer period is required by law.

Data Security

We take reasonable steps to protect your data against unauthorised access, loss, or misuse.
Access to personal data is limited to individuals who need it for legitimate business purposes.

International Transfers

Where data is transferred outside the UK, appropriate safeguards are applied in accordance with UK data protection law.

Your Rights

You have the right to:

  • Access the personal data we hold about you
  • Request correction of inaccurate data
  • Request deletion of data, where lawful
  • Restrict or object to processing
  • Request transfer of data to another provider
  • Withdraw consent to marketing communications

To exercise any of these rights, contact info@mortgagescheck.co.uk.
You may also complain to the Information Commissioner’s Office (ICO) at www.ico.org.uk.

Marketing

We will only contact you for marketing purposes with your explicit consent.
You may withdraw consent at any time by emailing info@mortgagescheck.co.uk.

Cookies

This website may use cookies to support functionality and performance.
Essential cookies are always active. Non-essential cookies, such as analytics, are only used with your consent.
For further details, see our Cookie Policy.

Changes to This Policy

This policy may be updated periodically. The current version will always be available on our website.

Mortgages Check
Appointed Representative of Ingard Financial Limited, authorised and regulated by the Financial Conduct Authority (FCA No. 450731).
For all privacy-related enquiries, please contact info@mortgagescheck.co.uk or 07504 858954.