Privacy Policy

1. Introduction

Your Home Finance Limited ("we", "us", "our") is committed to protecting and respecting your privacy. This policy explains how we collect, use, and protect your personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Your Home Finance Limited is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 989177).

2. Information We Collect

We may collect and process the following personal information about you:

• Name, address, date of birth, and contact details (email, telephone)
• Financial information including income, employment details, and credit history
• Information about your property and mortgage requirements
• Information provided through enquiry forms and communications
• Technical data including IP address, browser type, and device information
• Records of our correspondence and interactions with you

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide mortgage and financial services advice
• To process your applications and manage your account
• To communicate with you about our services
• To comply with legal and regulatory obligations
• To prevent fraud and money laundering
• To improve our website and services
• To send you marketing communications (with your consent)

4. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract: To fulfill our contractual obligations to provide you with services
• Legal Obligation: To comply with FCA regulations and anti-money laundering requirements
• Legitimate Interests: To operate our business and provide quality services
• Consent: For marketing communications (which you can withdraw at any time)

5. Sharing Your Information

We may share your personal information with:

• Mortgage lenders and product providers
• Credit reference agencies
• Our appointed representative, Stonebridge Mortgage Solutions Ltd
• Professional advisers (solicitors, accountants)
• Regulatory authorities (FCA, HMRC)
• Third-party service providers who support our operations

We will not sell your personal information to third parties.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal and regulatory requirements. Typically, we retain client records for at least 6 years after your relationship with us ends, in accordance with FCA requirements.

7. Your Rights

Under UK GDPR, you have the following rights:

• Right to Access: Request a copy of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data (subject to legal obligations)
• Right to Restrict Processing: Request limitation on how we use your data
• Right to Data Portability: Request transfer of your data to another organisation
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent for marketing communications

To exercise any of these rights, please contact us using the details below.

8. Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

9. Cookies

Our website uses cookies to improve your browsing experience. For detailed information about the cookies we use, please see our Cookie Policy.

10. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions about this privacy policy or wish to exercise your rights, please contact us:

If you are not satisfied with our response, you have the right to complain to the Information Commissioner's Office (ICO) at www.ico.org.uk.