Introduction
This Privacy and Cookie Policy outlines how Specialist Mortgages Pro (“we”, “us”, or “our”) collects, uses, discloses, and protects your personal information when you visit our website https://specialistmortgagespro.co.uk/.
1. Who We Are
We are Specialist Mortgages Pro, a UK-based mortgage specialist service dedicated to assisting individuals—particularly the self-employed, contractors, and freelancers—in securing mortgage solutions tailored to their unique financial circumstances.
2. Information We Collect
We may collect and process the following personal data:
- Contact Information: Name, phone number, email address, postal address.
- Financial Information: Income, employment status, tax returns, bank statements, credit history.
- Technical Data: IP address, browser type, pages visited, time and date of visit.
- Other Information: Any other data you voluntarily provide via forms, emails, or phone conversations.
3. How We Use Your Information
Your data is used to:
- Assess your mortgage eligibility and provide advice.
- Process mortgage applications on your behalf.
- Respond to enquiries and requests.
- Comply with legal and regulatory obligations.
- Improve our website and services.
We will only use your personal information when legally permitted.
4. Legal Basis for Processing
We process your personal data under the following lawful bases:
- Consent – When you give us permission to contact you.
- Contract – To perform a contract or to take steps at your request before entering a contract.
- Legal Obligation – To comply with applicable laws and regulations.
- Legitimate Interests – To pursue our legitimate interests in providing and improving our services.
5. Sharing Your Data
We may share your personal data with:
- Mortgage lenders, brokers, and financial institutions relevant to your application.
- Our professional advisors, such as legal, financial, or IT consultants.
- Regulators or legal authorities if required to comply with the law.
We never sell your personal data to third parties.
6. Data Security
We take appropriate technical and organizational measures to protect your data, including:
- Secure website (HTTPS).
- Data encryption.
- Restricted access to sensitive information.
- Staff training on data protection.
7. Data Retention
We retain your personal data only as long as necessary for the purposes outlined or as required by law. After that, your data will be securely deleted or anonymised.
8. Your Rights
Under the UK GDPR and the Data Protection Act 2018, you have the right to:
- Access the personal data we hold about you.
- Request correction of incorrect or incomplete data.
- Request deletion of your data where appropriate.
- Object to processing or request restriction.
- Withdraw consent at any time.
- Lodge a complaint with the ICO (Information Commissioner’s Office).
To exercise any of these rights, please contact us at:
📧 Email: info@specialistmortgagespro.co.uk
📞 Phone: +0800 123 4567
9. Cookies
We use cookies to enhance your experience on our website. Cookies are small text files stored on your device that help us understand how you use our site and improve its functionality.
Types of Cookies We Use
- Essential Cookies: Necessary for the website to function properly.
- Analytical Cookies: Help us understand how visitors interact with our website.
- Marketing Cookies: Used to deliver relevant advertisements to you.
Managing Cookies
You can control and manage cookies through your browser settings. Please note that disabling cookies may affect the functionality of our website.
10. Changes to This Policy
We may update this policy from time to time. Any changes will be posted on this page with a revised effective date. We encourage you to review this policy periodically.