Lendese Limited is committed to protecting your personal data and respecting your privacy.

This Privacy Policy explains how we collect, use, store and protect your personal information when you interact with us, whether through our website, by telephone, email, video call or in person.

Lendese Limited is the data controller responsible for your personal data and complies with the UK Data Protection Act and the UK General Data Protection Regulation (UK GDPR).

The personal data we collect

Personal data collected, used, stored and transferred by us may include:

Identity Data
Including first name, last name, previous names, date of birth, gender and marital status.

Contact Data
Including residential address, email address and telephone numbers.

Financial Data
Including bank statements, income, expenditure, savings, debts, assets and payment information required to assess mortgage or protection applications.

Special Category Data
Including health or medical information where relevant to protection insurance applications.

Transaction Data
Details of products and services arranged for you and any associated payments.

Technical Data
Including internet protocol (IP) address, browser type and version, time zone setting, device type and other technology used to access our website.

Profile and Usage Data
Including how you use our website, services and communications, as well as feedback or survey responses.

Marketing and Communications Data
Including your preferences regarding marketing communications and contact methods.

How we collect your personal data

We collect personal data in several ways:

Direct interactions

You may provide information to us directly when:

• speaking with an adviser in person

• contacting us by telephone or video call

• completing enquiry forms on our website

• corresponding by email or post

• applying for mortgage or protection products

Automated technologies

When you interact with our website, we may automatically collect technical data through cookies and similar technologies.

Third-party sources

We may also receive information from third parties including:

• estate agents or property developers (with your consent)

• lenders and financial institutions

• credit reference agencies

• Open Banking providers where you have granted permission

• publicly available information sources

How we use your personal data

We use your personal data to provide financial advice and arrange products appropriate to your circumstances.

This may include:

• assessing your financial circumstances and objectives

• sourcing mortgage and protection products

• submitting applications to lenders and insurers

• managing your client relationship with us

• responding to enquiries and complaints

• maintaining regulatory and legal compliance

• improving our services and website functionality

We will only process your personal data where we have a lawful basis to do so. These include:

• Consent

• Performance of a contract

• Compliance with legal obligations

• Legitimate business interests

Change of purpose

We will only use your personal data for the purposes for which it was collected unless we reasonably consider another use compatible with the original purpose.

If we need to use your personal data for a different purpose, we will notify you and explain the legal basis for doing so where required.

Marketing communications

You may choose to receive information about relevant products or services.

You can opt out of marketing communications at any time by:

• contacting your adviser

• using the unsubscribe link in marketing emails

• contacting us directly

We do not sell your personal data to third parties for marketing purposes.

Data security

We have implemented appropriate security measures to protect your personal data from being:

• lost

• accessed without authorisation

• altered

• disclosed improperly

Access to personal data is restricted to employees, advisers and partners who require it to deliver our services.

Where a personal data breach occurs, we will follow regulatory reporting requirements and notify affected individuals where necessary.

Cookies

Our website uses cookies and similar technologies to improve user experience and analyse website performance.

Further information can be found in our Cookie Policy.

Third-party websites

Our website may contain links to external websites.

We are not responsible for the privacy practices of third-party sites and recommend reviewing their privacy policies when leaving our website.

International data transfers

Some service providers we use may process personal data outside the United Kingdom.

Where this occurs, appropriate safeguards are implemented to ensure your data remains protected in accordance with UK data protection law.

Who we may share your data with

We may share your personal data with trusted third parties where necessary to provide our services.

These may include:

Lenders and insurance providers
To process mortgage or protection applications.

Financial institutions
For Open Banking data access where authorised.

Credit reference agencies
For identity verification, credit assessments and lender decision-in-principle checks.

Solicitors or conveyancers
To progress property transactions.

Estate agents or property developers
To update them on mortgage progress where relevant.

Professional advisers
Including legal, compliance or accounting advisers supporting our business.

Regulators
Including the Financial Conduct Authority or other authorities where required by law.

All third parties are required to protect personal data and only process it in accordance with our instructions.

Data retention

We retain personal data only for as long as necessary.

Typical retention periods include:

Successful mortgage or protection applications
For the duration of the policy or mortgage term plus up to six years.

Unsuccessful or withdrawn applications
Up to two years unless advice has been provided or an application submitted.

General enquiries
Typically up to two years.

After these periods, data will either be securely deleted or anonymised.

Your legal rights

Under data protection law you have the right to:

• access the personal data we hold about you

• request correction of inaccurate information

• request deletion of your personal data

• object to certain processing activities

• request restriction of processing

• request transfer of your data to another organisation

• withdraw consent where processing relies on consent

Requests can be made by contacting us using the details below.

Questions about your data

If you have questions about how your data is used or wish to exercise your rights, please contact us.

We aim to respond to all requests within one month.

If you are not satisfied

If you are not satisfied with how your personal data has been handled, you have the right to complain to the UK data protection regulator:

Information Commissioner’s Office (ICO)
https://www.ico.org.uk