Privacy Policy

1. Who We Are

The data controller is Forest Mortgage Brokers Ltd, trading as Your Mortgage Brokers. If you have any questions about this policy or how we handle your data, please contact us at:

• Email: [email protected]
• Phone: 07939 257 727

2. What Personal Data We Collect

We may collect and process the following personal data:

• Identity data: full name, date of birth
• Contact data: email address, telephone number, postal address
• Financial data: income details, employment status, credit history, existing mortgage or loan information
• Property data: details of the property you wish to purchase, remortgage or use as security
• Technical data: IP address, browser type, pages visited and time spent on our website (via cookies)
• Communications data: records of correspondence with us by email, phone or contact form

3. How We Collect Your Data

We collect data in the following ways:

• When you complete a contact or enquiry form on our website
• When you call or email us directly
• When you engage us to provide mortgage advice or related services
• Automatically via cookies and analytics tools when you browse our website
• From third parties such as credit reference agencies or lenders, where necessary to provide our services

4. How We Use Your Data

We use your personal data for the following purposes:

• To respond to your enquiry and provide mortgage advice and brokerage services
• To assess your eligibility for mortgage products and submit applications on your behalf
• To comply with our legal and regulatory obligations as an FCA-regulated firm
• To communicate with you about your application or any related services
• To improve our website and services through analytics
• To send you relevant information about our services where you have given consent

5. Legal Basis for Processing

We rely on the following legal bases under UK GDPR:

• Contract: processing is necessary to provide the services you have requested
• Legal obligation: we must retain certain records to comply with FCA regulations and anti-money laundering legislation
• Legitimate interests: to operate and improve our business, provided your interests do not override ours
• Consent: where you have explicitly agreed to receive marketing communications

6. Who We Share Your Data With

We may share your personal data with:

• Mortgage lenders and providers — to submit applications and obtain mortgage offers on your behalf
• Credit reference agencies — to assess your creditworthiness where required
• Insurance providers — where you have requested protection or insurance products
• Regulatory bodies — including the FCA and HMRC where we are legally required to do so
• IT and software providers — who support our business operations under strict data processing agreements

We do not sell your personal data to third parties. Any third party we share data with is required to handle it securely and in accordance with UK GDPR.

7. How Long We Keep Your Data

We retain personal data for as long as necessary to fulfil the purposes for which it was collected, including satisfying legal, regulatory and reporting requirements. As an FCA-regulated firm, we are required to retain client records for a minimum of 5 years from the date of the last service provided. Where no ongoing relationship exists, we will retain enquiry data for up to 12 months before securely deleting it.

8. Your Rights

Under UK GDPR, you have the following rights:

• Right of access — to request a copy of the personal data we hold about you
• Right to rectification — to ask us to correct inaccurate or incomplete data
• Right to erasure — to request deletion of your data where there is no lawful reason to retain it
• Right to restrict processing — to ask us to limit how we use your data
• Right to data portability — to receive your data in a structured, machine-readable format
• Right to object — to object to processing based on legitimate interests or for direct marketing
• Right to withdraw consent — where processing is based on consent, you may withdraw it at any time

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.

9. Cookies

Our website uses cookies to improve your browsing experience and to help us understand how visitors use our site. Cookies are small text files stored on your device. We use:

• Essential cookies — necessary for the website to function correctly
• Analytics cookies — to understand how visitors interact with our site (e.g. pages visited, time on site)

You can control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of our website.

10. Data Security

We take the security of your personal data seriously and have implemented appropriate technical and organisational measures to protect it against unauthorised access, loss or disclosure. All data transmitted via our website is encrypted using SSL/TLS. Access to personal data within our business is restricted to those who need it to perform their role.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The latest version will always be available on this page, with the date of the most recent update shown at the top. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please get in touch:

• Email: [email protected]
• Phone: 07939 257 727