Privacy Policy

1. Introduction

Home Me Mortgages ("we", "our", or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you use our website or services.

2. Information We Collect

Personal Information

We may collect the following personal information:

• Name, email address, and phone number
• Financial information including income, expenses, and credit history
• Property details and mortgage requirements
• Identification documents as required by FCA regulations

Technical Information

• IP address and browser information
• Website usage data and analytics
• Cookies and tracking technologies

3. How We Use Your Information

We use your information to:

• Provide mortgage advice and services
• Process mortgage applications
• Communicate with you about our services
• Comply with legal and regulatory requirements
• Improve our website and services
• Prevent fraud and maintain security

4. Legal Basis for Processing

Under GDPR, we process your personal data based on:

• Consent: When you provide explicit consent for specific purposes
• Contract: To perform our mortgage advisory services
• Legal obligation: To comply with FCA and other regulatory requirements
• Legitimate interests: To improve our services and prevent fraud

5. Information Sharing

We may share your information with:

• Mortgage lenders for application purposes
• Third-party service providers who assist with our services
• Regulatory bodies as required by law
• Professional advisors including solicitors and accountants

We never sell your personal information to third parties.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including encryption, secure servers, and regular security assessments. However, no method of transmission over the internet is 100% secure.

7. Your Rights

Under GDPR, you have the right to:

• Access your personal data
• Rectify inaccurate data
• Erase your data in certain circumstances
• Restrict processing of your data
• Data portability
• Object to processing
• Withdraw consent at any time

8. Cookies

Our website uses cookies to enhance your experience and provide analytics. You can control cookie settings through your browser or using our cookie consent banner. For detailed information about our use of cookies, please see our Cookie Policy. Some features may not function properly if cookies are disabled.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal requirements. Typically, this is 7 years from the end of our relationship, in line with FCA requirements.

10. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our website and updating the "Last updated" date.