Your data, handled with care.
This notice explains what personal information we collect, why we collect it, who we share it with, how long we keep it, and the rights you have over it under UK data protection law.
Who we are
Smart Mortgage Solutions is a trading name of MortgageTek Limited, which is the data controller responsible for your personal information. We are authorised and regulated by the Financial Conduct Authority (firm reference number 788950) and registered in England (company number 09261635).
You can contact us about this notice or your data at hello@smartmortgagesolutions.co.uk, by phone on 020 3827 8558, or by post at Unit 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB. [Insert the name/title of your Data Protection contact and ICO registration number before go-live.]
What personal data do we collect?
- Identity and contact details — your name, email address, telephone number and postal address.
- Financial and employment information — income, day rate or contract details, accounts, bank statements, existing credit commitments and similar information needed to assess affordability and arrange a mortgage or protection product.
- Special category and credit data — where relevant to advice (for example health information for protection cover, or credit-history information), which we process under additional safeguards.
- Website and technical data — limited information from your use of this website, such as basic analytics where you have consented (see our cookie policy).
How do we collect it?
Most of the data we hold comes directly from you — through our enquiry form, by email, by phone or in meetings. We may also receive information from third parties such as lenders, credit reference agencies, your accountant or employer, and providers acting on our instructions.
Why do we use it, and our lawful basis
We process your personal data to respond to your enquiry, provide regulated mortgage and protection advice, arrange products with lenders and insurers, and to meet our legal and regulatory obligations. Our lawful bases under UK GDPR are:
- Performance of a contract — to provide the advice and services you ask us for.
- Legitimate interests — to operate and improve our service, where this is not overridden by your rights.
- Consent — for optional activities such as analytics cookies or marketing, which you can withdraw at any time.
- Legal obligation — to comply with FCA rules, anti-money-laundering law, and tax and record-keeping requirements.
Who do we share it with?
We share your information only as needed to provide our service: with lenders, insurers and product providers; with credit reference and fraud-prevention agencies; and with service providers (such as IT, email and form-handling providers) acting on our instructions under contract. We may also disclose information where required by law or our regulator. We never sell your personal data.
International transfers
Where a provider processes data outside the UK, we take steps to ensure it is protected by an adequate safeguard recognised under UK data protection law (such as an adequacy decision or standard contractual clauses).
How long do we keep it?
We keep your information only for as long as necessary to provide our service and to satisfy our legal, regulatory and tax obligations — which, for regulated mortgage and protection business, is typically a number of years after our relationship ends. After that it is securely deleted or anonymised. [Confirm your specific retention schedule before go-live.]
Your rights
Under UK data protection law you have the right to:
- access a copy of the personal data we hold about you;
- have inaccurate data corrected;
- ask us to erase or restrict our use of your data in certain circumstances;
- object to processing based on our legitimate interests;
- request portability of data you provided to us; and
- withdraw consent at any time where we rely on it.
To exercise any of these rights, contact hello@smartmortgagesolutions.co.uk. You also have the right to complain to the Information Commissioner’s Office (ICO) at ico.org.uk or by calling 0303 123 1113, though we would welcome the chance to resolve your concern first.
Cookies
This website uses essential cookies to function and, only with your consent, analytics cookies to understand how it is used. Full detail of the cookies we use and how to change your choice is in our cookie policy.
Changes to this notice
We may update this notice from time to time. The “last reviewed” date above shows when it was most recently checked.