Privacy Policy

<

Privacy Policy

Last Updated: March 2025

Introduction

NeedingAdvice.co.uk Ltd (trading as remortgagehelp.co.uk/) is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services.

Data Controller:
NeedingAdvice.co.uk Ltd
Company Number: 12978572
Registered Address: 107-109 Far Bank, Shelley, Huddersfield, HD8 8HT
Email: privacy@needingadvice.co.uk

Information We Collect

Information You Provide

When you enquire about our services or apply for a remortgage, we collect:

  • Personal Details: Name, date of birth, contact details (phone, email, address)
  • Financial Information: Income details, employment status, credit history, existing mortgage details
  • Property Information: Property address, value, mortgage balance
  • Identification Documents: Passport, driving license, utility bills (for ID verification)
  • Bank Details: For direct debit or payment processing (if applicable)

Information Collected Automatically

When you visit our website, we may collect:

  • Technical Data: IP address, browser type, device information
  • Usage Data: Pages visited, time spent, click patterns
  • Cookies: See our Cookie Policy for details

How We Use Your Information

We use your personal data to:

  1. Provide Our Services — Assess your remortgage needs, search the market, submit applications, manage your case
  2. Legal and Regulatory Compliance — Comply with FCA regulations, conduct anti-money laundering checks, maintain records
  3. Communication — Respond to enquiries, provide updates, send service notifications, conduct annual reviews
  4. Marketing (with consent) — Send information about our services, provide market updates

You can opt out of marketing communications at any time.

Legal Basis for Processing

We process your personal data under the following legal bases:

  • Contractual Necessity: To provide mortgage advice services you’ve requested
  • Legal Obligation: To comply with FCA regulations and anti-money laundering requirements
  • Legitimate Interests: To improve our services and prevent fraud
  • Consent: For marketing communications (you can withdraw consent at any time)

Who We Share Your Data With

We may share your information with:

  • Mortgage Lenders — When submitting applications
  • Credit Reference Agencies — For credit checks
  • Solicitors/Conveyancers — For legal work
  • Valuers — For property valuation
  • IT Service Providers — For secure data storage
  • Rosemount Financial Solutions (IFA) Ltd — Our principal firm (FCA 535515)
  • Regulatory Bodies — If required by law

We do not sell your personal data to third parties.

Data Security

We implement appropriate technical and organisational measures to protect your data, including:

  • Encrypted data transmission (SSL/TLS)
  • Secure password-protected systems
  • Regular security audits
  • Staff training on data protection
  • Access controls and authentication

Data Retention

We retain your personal data for:

  • Active Clients: Duration of relationship plus 7 years (regulatory requirement)
  • Enquiries (no application): Up to 2 years
  • Marketing Consent Records: Until withdrawn, then 3 years
  • Complaints Records: 7 years from closure

Your Rights

Under UK GDPR, you have the right to:

  1. Access: Request a copy of your personal data
  2. Rectification: Correct inaccurate or incomplete data
  3. Erasure: Request deletion of your data (subject to legal obligations)
  4. Restriction: Limit how we use your data
  5. Portability: Receive your data in a structured format
  6. Object: Object to processing based on legitimate interests
  7. Withdraw Consent: Stop marketing communications
  8. Complain: Lodge a complaint with the ICO

To exercise these rights, contact us at privacy@needingadvice.co.uk

Contact Us

For questions about this Privacy Policy:

Email: privacy@needingadvice.co.uk
Phone: 0800 612 3367
Post: Data Protection Officer, NeedingAdvice.co.uk Ltd, 107-109 Far Bank, Shelley, Huddersfield, HD8 8HT

Complaints

If you’re unhappy with how we’ve handled your data, you can complain to:

Information Commissioner’s Office (ICO)
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Website: https://ico.org.uk/
Helpline: 0303 123 1113

NeedingAdvice.co.uk Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Register 535515).

Call Now Get Advice