Privacy Policy – Mortgage & Finance Brokers (MFB)
Effective from: 20 March 2025
Mortgage & Finance Brokers (MFB) takes your privacy seriously. We are committed to protecting your personal data and being transparent about how we collect, use, and store it.
About Us
Mortgage & Finance Brokers (MFB) is a UK-based mortgage broker. Our trading address is 61 Three Arches Avenue, Cardiff, United Kingdom, CF14 0NW. Our registered office is at 61 Three Arches Avenue, Cardiff, United Kingdom, CF14 0NW.
You can contact us:
- Phone: 01291 454370
- Email: [email protected]
- Post: The Data Protection Officer, MFB, 61 Three Arches Avenue, Cardiff, United Kingdom, CF14 0NW
We are registered with the Information Commissioner’s Office (ICO), registration number Z9696960.
What Information We Collect
We collect personal data to deliver our mortgage and insurance services. This includes:
- Identity and contact details
- Employment and financial information
- Property and lifestyle information
- Payment details (where relevant)
- Health information (for insurance products)
We collect this data directly from you and through credit checks or third-party referrals.
How We Use Your Information
We use your information to:
- Provide mortgage and insurance advice
- Submit applications to lenders and insurers
- Prevent fraud and verify your identity
- Contact you about renewals or updates
- Offer products and services (with your consent)
We do not use your data for automated decision-making.
Legal Basis for Processing
We rely on the following legal grounds:
- Legitimate interests (to deliver our services)
- Consent (for marketing and special category data)
- Legal obligations (e.g. anti-money laundering)
- Public interest (e.g. protecting vulnerable customers)
Marketing and Market Research
We may contact you about products that match your needs. You can opt out at any time. We also use social media monitoring and email tracking (open/click data) to improve our service.
Who We Share Your Data With
We may share your data with:
- Mortgage lenders and insurers
- Credit reference agencies (e.g. Experian, Equifax)
- Trusted software and service partners (e.g. IRESS, CETA, Izone)
- Lead sources, estate agents, or conveyancers (with consent)
We will only share data when necessary and under strict agreements.
International Data Transfers
Most of your data is processed within the UK. If transferred outside the UK (e.g. Survey Monkey USA), it is protected under standard contractual clauses or similar safeguards.
Your Rights
You have the right to:
- Access your data
- Correct inaccurate information
- Request erasure or restriction
- Object to processing
- Data portability
- Withdraw consent
- File a complaint with the ICO
How Long We Keep Your Information
We retain data based on the nature of our relationship:
- Lifetime of advice given + up to 100 years (regulated advice)
- 6 years (application made, no completion)
- 3 years (advice only, no application)
- 1 year (incomplete enquiry)
- 90 days (enquiry not contacted)
Cookies and Analytics
Our website uses cookies to:
- Enable secure login
- Improve user experience
- Track analytics and behaviour (anonymised)
- Tailor adverts and content
You can control cookie settings in your browser. For more on cookies, see our Cookie Policy.
Security Measures
We use strong security practices to protect your data, including:
- Data encryption (e.g. HTTPS)
- Two-factor authentication for account access
- Secure systems for transferring data
- Contracts requiring partners to follow UK data laws
Changes to This Policy
We may update this Privacy Policy to reflect legal or service changes. Major changes will be clearly communicated to you.
For any questions or data rights requests, please contact our Data Protection Officer at 01291 454370 or [email protected]