Privacy Policy
Who We Are
We are 1st Choice mortgages Ltd , a mortgage broker authorised and regulated by the Financial Conduct Authority (FCA). We are committed to protecting your privacy and complying with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR), as overseen by the Information Commissioner’s Office (ICO).
What Information We Collect
We may collect and process the following personal data:
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Name, address, contact details (email, phone)
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Date of birth, residency, previous addresses
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Financial information (income, outgoings, credit status)
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Identification documents (passport, driving licence, National Insurance number)
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Information about your mortgage needs and property
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Technical data (IP address, browser type, device information) when you use our website
How We Collect Your Data
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Directly from you via website forms, emails, phone calls, or meetings
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Through our website’s cookies and analytics tools
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From third parties (e.g., credit reference agencies, lenders) where necessary for your application
How We Use Your Data
We use your personal data to:
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Provide mortgage advice and arrange products on your behalf
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Submit your information to mortgage lenders or insurance providers as required to process your application
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Communicate with you about your enquiry or application
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Improve our website and customer service
Legal Basis for Processing
We process your data on the following bases:
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To fulfil our contract with you (providing mortgage advice and arranging products)
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To comply with legal and regulatory obligations (FCA, anti-money laundering)
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With your consent (for marketing, where applicable)
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For our legitimate interests (e.g., business administration, fraud prevention)
Who We Share Your Data With
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Mortgage lenders, commercial lenders, and insurance providers (to progress your application)
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Credit reference agencies and fraud prevention agencies, as required
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Our professional advisers and service providers (IT, compliance, etc.)
How We Store Your Data
Your data is stored securely in paper files, mobile devices, and computer systems (including websites, email, hard drives, and cloud facilities). Access is restricted to authorised employees and consultants only1.
How Long We Keep Your Data
We retain your personal data only as long as necessary for the purposes set out above, in line with legal and regulatory requirements.
Your Rights
You have the right to:
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Access your personal data
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Request correction or deletion of your data
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Object to or restrict processing
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Withdraw consent (where processing is based on consent)
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Lodge a complaint with the ICO
Cookies
Our website uses cookies to enhance your experience and analyse site usage. You can manage your cookie preferences through your browser settings.
Contact Us
If you have any questions or wish to exercise your rights, please contact:
Ricky Gandhi
1st Choice mortgages Ltd
97 Eastcote Road Pinner
HA5 1ES
ricky@1cms.co.uk
02080959030
If you are not satisfied with our response, you may contact the Information Commissioner’s Office (www.ico.org.uk).
Note:
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Replace placeholders (e.g., [Your Company Name]) with your actual details.
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Review and tailor the policy to match your business processes and legal advice.
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Display this policy prominently on your website and update it as necessary.
This template reflects best practice for FCA-regulated mortgage brokers and ICO compliance in the UK