Why Should You Read This Document?
Trusted Mortgage and Financial Solutions LTD is an appointed representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority (FCA no. 1009382). Registered in England and Wales (Company no. 15447152). Client Account Manager: Delfina Bakan.
During the course of dealing with Trusted Mortgage and Financial Solutions LTD (“the Firm”), we will request detailed personal information about your current circumstances, financial situation, and, in some instances, health and family health history (“Your Personal Data”). This document outlines how we process Your Personal Data and details your rights regarding its use.
What Is "Your Personal Data"?
Your Personal Data refers to any information that identifies or relates to your personal circumstances. This may include information that directly identifies you, such as your name, address, date of birth, or National Insurance number, as well as information that indirectly identifies you, such as your employment details, financial situation, or cultural and social identity. In providing assistance with your mortgage and/or insurance needs, Your Personal Details.
Data may include:
Title, names, date of birth, gender, nationality, marital status, contact details, addresses, and identity verification documents.
Employment details, including salary, bonuses, overtime, sick pay, and other benefits.
Financial information such as bank account details, credit history, tax details, loans, and other commitments.
Health status, medical history, and related reports (specific details are provided below regarding this type of data).
Details of existing mortgage and/or insurance products, including terms and conditions.
The Basis Upon Which We Will Handle Your Personal Data
When assisting you with mortgage and/or insurance services, we rely on the legal basis that both parties are entering a contract for the provision of services. To fulfil this contract, we are entitled to use Your Personal Data as outlined in this document.
Additionally, if our contractual relationship ends, we may continue to use Your Personal Data where it is in our legitimate business interests and does not infringe on your rights. For example, this may involve responding to requests from mortgage lenders, insurance providers, or regulatory bodies about advice previously provided, or obtaining your feedback on our services.
We may also process Your Personal Data to fulfil legal, regulatory, or compliance obligations, such as requirements set by our regulator, the Financial Conduct Authority (FCA).
Processing Special Categories of Data
For certain services, such as life insurance or policies covering illness or accidents, we may require information about your health, medical history, or ethnic origin (“Your Special Data”). We will use this data to explore insurance products that meet your needs and provide tailored advice. Where relevant, we may also process data relating to criminal convictions (“Criminal Disclosures”) in connection with insurance underwriting, claims management, or fraud prevention. Special Data and Criminal Disclosures will be processed in line with this document and shared only as necessary to deliver the required services.
How We Collect Your Personal Data
We primarily collect Your Personal Data directly from you during initial meetings or conversations to assess your needs and preferences regarding mortgages and insurance.
We may also collect information from third parties:
Credit reference agencies.
Your employer.
Publicly available sources, such as the electoral roll.
If technology solutions (e.g., credit verification software) are used, we will seek your consent where required, except for electronic ID checks, for which we will provide relevant information in advance.
How We Handle and Store Your Personal Data
Your Personal Data is stored securely in paper files, on mobile devices, and in digital systems such as cloud storage and hard drives.
Access is restricted to authorised employees and consultants of the Firm who need it to deliver services or manage related administration.
We may share Your Data with:
Mortgage lenders and insurance providers to progress applications and respond to queries.
Third parties such as compliance advisers, estate agents, legal service providers, and surveyors where their involvement is necessary.
We will not transfer Your Personal Data outside the European Economic Area unless legally permitted to do so.
Security and Retention
We prioritise the security of Your Personal Data and will take reasonable measures to prevent unauthorised access or malicious use. We also expect you to protect your information when transferring it to us by using secure methods, such as password-protecting sensitive documents or encrypting emails.
Your Personal Data will be retained for a minimum of six years or longer where legally required.
You have the right to:
Request copies of Your Personal Data held by us.
Ask for an explanation of how we use Your Personal Data.
Request corrections, deletions, or restrictions on processing Your Personal Data (subject to legal limitations).
Request the transfer of Your Personal Data to another organisation.
Withdraw consent for marketing activities.
Contacting Us About Your Personal Data
If you have questions or wish to exercise your rights, please contact our Data Protection Officer, Ewelina Dziuba CeMAP, at:
Telephone:
0161 6722 929 or 07495 425 009Registered Address: Bartle House, 9 Oxford Court, Manchester, M2 3WQ
If you believe Your Personal Data has been disclosed without authorisation, please notify us immediately so we can investigate and fulfil our regulatory obligations. If you have concerns about how we handle Your Personal Data, you can contact the Information Commissioner’s Office (ICO) via their website at https://ico.org.uk/global/contact-us or by writing to:
Information Commissioner’s Office: Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
About Trusted Mortgage and Financial Solutions LTD
Trusted Mortgage and Financial Solutions LTD is an appointed representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority (FCA no. 1009382). Registered in England and Wales (Company no. 15447152). Client Account Manager: Delfina Bakan.