Privacy Policy
As a data controller, Mcintosh Mortgages & Associates Ltd (“Mcintosh Mortgages”, “we”, “us”, “our”) complies with all relevant data protection and privacy legislation in force from time to time, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA 2018). This notice explains how we handle your personal information when you engage with our website or use our mortgage and protection services.
Our Commitment
We place great importance on the confidentiality, accuracy and security of the personal data we hold. We use a combination of technical and organisational safeguards to ensure your information is protected from loss, misuse, unauthorised access or disclosure.
Who We Collect Data From
- Visitors to our website
- Individuals who make enquiries
- Clients seeking mortgage or insurance advice
- Suppliers and contractors
Information We Collect
The information we collect depends on your relationship with us. Typically, this may include:
- Name and contact details (email, phone, address)
- Financial details and employment information
- Identification documents (for regulatory checks)
- Information relevant to mortgage or protection applications
How We Use Your Data
We will only process your personal data where the law allows us to. Most commonly, this will be for the following purposes:
| Purpose | Legal Basis |
| Providing mortgage and insurance advice, sourcing products and submitting applications | Necessary for the performance of a contract |
| Carrying out due diligence, affordability checks and verifying identity (including anti-money laundering checks) | Compliance with legal obligations |
| Managing our relationship with you, including providing updates and requesting feedback | Legitimate business interest in maintaining good client relationships |
| Sending marketing about similar services you may find useful | Legitimate interest, or consent where required |
| Meeting our regulatory obligations with the Financial Conduct Authority (FCA) and related bodies | Compliance with legal obligations |
Sharing Your Data
We may share your information with trusted third parties where necessary, including:
- Lenders, insurers and product providers
- Credit reference agencies
- Regulators such as the FCA and the Financial Ombudsman Service (FOS)
- Solicitors, accountants or other professional advisers
- Technology providers supporting our business systems
- Law enforcement authorities where legally required
We do not sell or trade your personal data.
How Long We Keep Your Data
Retention periods vary depending on the type of record, but in general:
- Basic enquiry details – kept for up to 90 days if you do not become a client
- Feedback and survey information – up to 18 months
- Mortgage and protection records – retained for as long as regulations require (which may be indefinite in certain cases)
International Transfers
It is unlikely that we will transfer your data outside the UK or the European Economic Area. If it does become necessary, we will ensure appropriate safeguards are in place to maintain equivalent protection standards.
Lawful Basis for Processing
We rely on different legal bases depending on the type of processing:
- Consent: Where you have given us permission to process your data.
- Contract: To take steps at your request before entering into a contract, or to perform a contract with you.
- Legitimate Interest: We may process your personal information where our interest in using it is not outweighed by your rights. For example, staying in touch with existing clients or responding to those who contact us directly. Each communication will include an opt-out option.
- Legal Compliance: As an FCA-regulated business, we may process your data to meet our legal obligations. This includes verifying identity, complying with anti-money laundering laws, and cooperating with regulators or law enforcement.
Sharing Your Information
We do not sell or broker your data. However, to provide mortgage services and comply with regulations, we may need to share your personal data with trusted third parties. Where this is necessary, we comply fully with the UK GDPR. In joint applications, data may be shared between applicants.
| Associates and representatives such as estate agents, solicitors, accountants, or introducers |
| Financial organisations including mortgage lenders and insurers |
| Regulators such as the Financial Conduct Authority (FCA) |
| The Financial Ombudsman Service (FOS) |
| Law enforcement and prosecuting authorities |
| Credit reference agencies |
| Debt collection and tracing agencies |
| Professional advisers such as compliance consultants and auditors |
| HM Revenue & Customs (HMRC) |
Data Retention
We retain your personal data only as long as necessary to fulfil the purposes outlined in this policy and to meet legal, accounting, or regulatory requirements.
Your Rights
You have the following rights under data protection law:
- Access to the personal data we hold about you
- Correction of inaccurate or incomplete data
- Erasure of your data in certain circumstances
- Restriction of processing in specific situations
- Portability of your data to another service provider
- Objection to processing based on legitimate interests
- The right to withdraw consent where consent is the lawful basis
If you wish to exercise any of these rights, please contact us at info@mcintoshmortgages.co.uk.
Cookies and Website Visitors
Our website uses cookies to help us understand visitor behaviour and improve your browsing experience. You can adjust your browser settings to manage or block cookies. For analytics, we may use Google Analytics or similar tools to collect anonymised data on how the website is used.
How We Protect Your Data
We use a mixture of technical and organisational security measures, including encrypted systems, secure servers, restricted access and staff training. Where third parties process data on our behalf, they are required to follow strict confidentiality and security obligations.
Contact Us
If you have any questions about this Privacy Policy or how we use your data, please contact:
Data Protection Manager
Mcintosh Mortgages & Associates Ltd
Bernard Road
Sheffield, S2 5BQ
Email: info@mcintoshmortgages.co.uk
Complaints
If you are not satisfied with how we handle your personal data, you have the right to complain to the Information Commissioner’s Office (ICO): https://ico.org.uk/.
Changes to this Notice
We may update this Privacy Policy from time to time to reflect changes in law, regulation or our business practices. Please check this page periodically for the latest version.
Last updated: 26 September 2025