Privacy Policy

Our Contact Details

Name: Merrington Financial Ltd

Address: 27 Merrington Avenue, Acklam, Middlesbrough, TS5 8RH

Phone Number: 07814766870, 07900182093

Email: helen.gorman@merringtonfinancial.co.uk

steve.gorman@merringtonfinancial.co.uk

Website: www.merringtonfinancial.co.uk

The Type of Personal Information We Collect

We currently collect and process the following information:

  • Personal identifiers, contacts and characteristics (for example, name and contact details).
  • Financial information (for the purpose of combating fraud and money laundering).
  • Health and medical information (for the purpose of providing insurance advice).
  • Property information (for the purpose of mortgage underwriting).
  • Credit reference information.
  • See our Privacy and Cookies Policy for details of information collected by our website.

How We Get the Personal Information and Why We Have It

Most of the personal information we process is provided to us directly by you for one of the following reasons:

  • Mortgage advice, assessment/qualification and underwriting.
  • Insurance advice, assessment/qualification and underwriting.

This information is collected on a contractual basis to assist us with providing you with a mortgage and protection advice service.

In order to validate your identity and/or residential address, we may carry out what is known as an Enquiry Search with a credit reference agency. This will leave what is often referred to as a "soft footprint" on your credit file. This is not visible to lenders and does not impact your credit score.

We also receive personal information indirectly from the following sources:

  • Lenders – Will provide us with necessary information to assist in providing advice, establishment of a lending product, or ongoing servicing of our customers.
  • Insurers – Will provide us with necessary information to assist in providing advice, establishment of an insurance product, or ongoing servicing of our customers.

We use the information that you have given us in order to provide you with mortgage and/or insurance advice.

We may share this information with:

  • Lenders (the specific lenders approached will be disclosed during the advice process).
  • Insurance companies (the specific insurers approached will be disclosed during the advice process).
  • The Financial Conduct Authority (regulatory purposes).
  • The Information Commissioner’s Office (law enforcement).
  • National Crime Agency (law enforcement).
  • Other law enforcement bodies (law enforcement).
  • Customer Relationship Management and Product Sourcing Systems.

Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

  • Contractual obligation
  • Legal obligation
  • Legitimate interest

How We Store Your Personal Information

Your information is securely stored in electronic format using our customer relationship management system.

Additionally, we make use of market-leading product sourcing technology.

We keep personal information for as long as necessary to fulfil our regulatory and legal responsibilities. Once retention periods expire, information is permanently deleted from our records.

Your Data Protection Rights

Under data protection law, you have certain rights, including:

  • Right of Access – Request copies of your personal information.
  • Right to Rectification – Correct inaccurate or incomplete information.
  • Right to Erasure – Request deletion of personal information in certain circumstances.
  • Right to Restriction of Processing – Restrict processing in certain circumstances.
  • Right to Object – Object to processing in certain circumstances.
  • Right to Data Portability – Request transfer of your data.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond.

Contact: dpo@therightmortgage.co.uk if you wish to make a request.

How to Complain

You can complain to the Information Commissioner’s Office (ICO) if you are unhappy with how we have used your data.

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline: 0303 123 1113

ICO Website: www.ico.org.uk