Last Updated: April 15, 2025
Mortgage ‘N’ Protect, managed by Alphakey Mortgages (a trading style of ITM Capital Limited, an Appointed Representative of Cornerstone Finance Group Ltd, authorised and regulated by the Financial Conduct Authority No.767202), is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you visit our website or use our services.
1. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number, date of birth, employment status, income details, and other data you provide when completing forms (e.g., mortgage or protection inquiries).
- Financial Information: Details related to mortgage applications, protection plans, or other financial services, such as loan amounts or cover terms.
- Usage Data: Information about how you interact with our website, including IP address, browser type, pages visited, and time spent on the site.
- Cookies and Tracking Data: Data collected via cookies and similar technologies to enhance your experience and analyze site performance (see Cookie Policy below).
2. How We Use Your Information
Your information is used to:
- Provide and personalize our services, such as processing mortgage or protection applications.
- Communicate with you, including responding to inquiries and sending updates about your application.
- Improve our website and services through analytics and user feedback.
- Comply with legal obligations, such as regulatory requirements from the Financial Conduct Authority (FCA).
- Protect against fraud and ensure the security of our systems.
3. How We Share Your Information
We may share your information with:
- Service Providers: Third parties who assist with our operations, such as conveyancers, surveyors, or IT providers, under strict confidentiality agreements.
- Lenders and Insurers: To process your mortgage or protection application, we share relevant details with financial institutions.
- Regulatory Bodies: As required by law or to comply with FCA regulations.
- Legal Authorities: If necessary to protect our rights, respond to legal processes, or prevent fraud.
We do not sell your personal information to third parties for marketing purposes.
4. Your Rights
Under UK data protection laws (including GDPR), you have the right to:
- Access the personal data we hold about you.
- Request corrections to inaccurate or incomplete data.
- Request deletion of your data, subject to legal obligations.
- Object to or restrict certain types of data processing.
- Withdraw consent for data processing where applicable.
- Request a copy of your data in a portable format.
To exercise these rights, contact us at info@mortgagenprotect.co.uk or call +44-7419-617498. We will respond within one month, as required by law.
5. Data Security
We implement industry-standard security measures, including encryption and secure servers, to protect your data. However, no online system is completely secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your data only as long as necessary to fulfill the purposes outlined in this policy or as required by law (e.g., FCA record-keeping requirements, typically 6 years for financial transactions).
7. International Transfers
Your data is primarily processed within the UK. If we transfer data to countries outside the UK, we ensure they meet GDPR-equivalent standards or have appropriate safeguards in place.
8. Contact Us
If you have questions or concerns about this Privacy Policy, please contact:
Mortgage ‘N’ Protect
Email: info@mortgagenprotect.co.uk
Phone: +44-7419-617498
You may also lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk.