Privacy Policy
1. Introduction
Peppercorn Finance ("we", "us", or "our") is committed to protecting and respecting your privacy. This policy explains how we collect, use, and protect your personal information when you use our website and client portal.
2. Data We Collect
To provide our mortgage advice services, we may collect and process the following data:
- Contact Information: Name, email address, phone number, and address.
- Financial Information: Bank statements, payslips, accounts, and credit reports uploaded to our secure portal.
- Identity Verification: Passport, driving licence, and proof of residency.
- Usage Data: Information about how you use our website (via cookies).
3. Data Security & Storage
Security is our highest priority. All sensitive documents (ID, Bank Statements, etc.) are:
- Encrypted: Encrypted both in transit and at rest using industry-standard protocols.
- Securely Stored: Hosted on secure servers within the UK/EU.
- Access Controlled: Only authorized personnel (Phil Tracey) can access your sensitive financial documents for the purpose of your mortgage application.
4. How We Use Your Data
We use your information to:
- Provide personalised mortgage and insurance advice.
- Submit applications to lenders on your behalf.
- Comply with financial regulations and anti-money laundering (AML) laws.
- Send you renewal reminders and relevant financial updates.
5. Data Retention (FCA Rules)
As a firm regulated by the Financial Conduct Authority (FCA), we have strict legal obligations regarding record-keeping. While you have the right to request deletion of your data for marketing purposes, please note that we are required by law to retain records of any financial advice provided, suitability reports, and completed transactions for a minimum of 6 years.
For certain types of business (e.g., pension transfers), records may need to be kept indefinitely. We will only retain the data strictly necessary to comply with these regulatory obligations.
6. Cookie Policy
We use cookies to ensure the secure and proper functioning of our client portal (Essential Cookies) and to analyze website traffic (Analytics Cookies). You have the option to accept or reject non-essential cookies via the banner on our website.
7. Your Rights (GDPR)
Under GDPR, you have the right to access, correct, or request the deletion of your personal data. You can request a copy of the information we hold about you, or exercise your "Right to be Forgotten" (subject to our FCA retention obligations outlined in Section 5), directly from your secure client portal or by contacting us at hello@peppercornfinance.co.uk.
Peppercorn Finance is a trading name of Peppercorn Finance Ltd. Registered in England and Wales. Authorized and Regulated by the Financial Conduct Authority (FCA).
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