Privacy Policy

During the course of our interaction, we’ll request detailed personal information related to your current circumstances, financial situation, and potentially your health and family health history (Your Information). This document explains what we will do with Your Information and the rights you have concerning it.

What is Your Information?

Your Information pertains to any data that describes or relates to you. This might directly identify you (e.g., name, address, date of birth, National Insurance number) or identify you indirectly (e.g., employment status, health history, or other details associated with your cultural or social identity). In the context of providing you with assistance related to your mortgage and/or insurance requirements, Your Information may include:

• Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses, and necessary documents for identity verification
• Employment and remuneration data, employment history
• Bank account details, tax information, loans, credit commitments, personal credit history, income and expenditure sources, family circumstances, and details of dependents
• Health status and history, treatment and prognosis details, medical reports
• Information about any existing mortgage and/or insurance products and their terms and conditions

How We Handle Your Information

When we discuss your mortgage and/or insurance needs, we do so on the basis of a contract for services between us. To execute this contract and arrange the products you require, we have the right to use Your Information for the purposes we specify below.

Alternatively, either during initial discussions or after the termination of our contract for any reason, we reserve the right to use Your Information if it is in our legitimate business interest and doesn’t affect your rights. For example, we might need to respond to requests from mortgage lenders, insurance providers, and our Network related to the advice we’ve given or to contact you for feedback on our services.

Occasionally, we’ll use Your Information to meet any contractual obligations we might owe to our Network, or comply with any legal or regulatory obligations. In such cases, we’re processing Your Information to meet legal, compliance, or other regulatory obligations.

Special Category Data and Criminal Disclosures

In relation to your insurance needs, we’ll request information about your ethnic origin, health, and medical history (Your Special Data). We will record and use Your Special Data to inquire with insurance providers about insurance products that suit your needs and provide you with advice about the suitability of any available product.

The arrangement of certain types of insurance may involve you disclosing to us information relating to historic or current criminal convictions or offences (Criminal Disclosures). Your Special Data and any Criminal Disclosures are used in the same way as Your Information generally.

When we process Your Special Data and any Criminal Disclosures, we do so on the basis that it is in the substantial public interest to be able to provide vital insurance products and as permitted by UK data protection laws and regulations. Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as Tamworth Financial Services, and insurance providers, to enable customers to secure the important insurance protection that their needs require.

How Do We Collect Your Information?

We collect and record Your Information primarily directly from you. You will usually provide information during our initial meetings or conversations to establish your circumstances and needs and preferences concerning mortgages and insurance. You might provide information to us verbally, in writing, or through email.

What Happens to Your Information?

We record and store Your Information in our paper files, mobile devices, and computer systems. It will be accessed by our employees and consultants within, or contractors engaged, by Tamworth Financial Services as necessary to provide our service to you and to perform any administrative tasks associated with or incidental to that service.

We submit Your Information to mortgage lenders and/or insurance product providers to progress any inquiry or application made on your behalf and to deal with any additional questions or administrative issues that they may raise.

Sharing and Transferring Your Information

Your Information will occasionally be shared with or transferred to:

• our Network
• mortgage lenders and insurance providers
• third parties who can assist us with your inquiry or application, or support your identified needs. These third parties may include product specialists, estate agents, legal services providers such as conveyancing, surveyors, and valuers.

Security and Retention of Your Information

We prioritise your privacy and will keep Your Information secure in line with our legal responsibilities. We take reasonable steps to guard against Your Information being accessed unlawfully or maliciously by a third party, accidentally lost, destroyed, or damaged.

Your Information will be retained by us either electronically or in paper format for a minimum of six years, or if longer than six years, the duration of Tamworth Financial Services’ relationship with you.

Your Rights

You have the right to:

• Request copies of Your Information under our control
• Ask us to explain further how we use Your Information
• Ask us to correct, delete, or restrict or stop using Your Information
• Ask us to send an electronic copy of Your Information to another organisation
• Change the basis of any consent provided for us to market to you

Contact Us

If you have questions or comments about this document, or wish to exercise any of your rights outlined within it, please contact:

• Director: Katie Hughes
• Tamworth Financial Services, Manor House, Lichfield Street, Tamworth B79 7QF
• Phone: 01827 826061
• Email: help@tamworthfinancialservices.co.uk

If we believe we have a legal right not to deal with your request or to action it differently than requested, we will inform you at the time.

Please contact us as soon as possible if you become aware of any unauthorised disclosure of Your Information, so that we may investigate and fulfil our own regulatory obligations.

If you have concerns or complaints about how we’ve handled Your Information or Your Special Data/Criminal Disclosures, you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted via their website or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.