Privacy Policy

Effective Date: 6/4/2026

Newquay Mortgage and Pensions (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This policy explains how we collect, use, and protect your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

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1. Who We Are

Newquay Mortgage and Pensions provides mortgage advice and pension services.

Contact Details:
Address: [Insert Business Address]
Email: [Insert Email Address]
Phone: [Insert Phone Number]

For data protection queries, contact: [Insert Data Protection Contact Email]

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2. What Personal Data We Collect

We may collect and process the following data:

– Personal identification information (name, date of birth)
– Contact details (email address, phone number, postal address)
– Financial information (income, employment status, credit history)
– Mortgage and pension-related information
– Technical data (IP address, browser type, usage data)
– Marketing preferences

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3. How We Collect Your Data

We collect data when you:

– Fill in forms on our website
– Contact us via email, phone, or enquiry forms
– Use our website (via cookies and analytics tools)
– Engage our services

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4. How We Use Your Data

We use your data to:

– Provide mortgage and pension advice
– Process applications and enquiries
– Communicate with you
– Improve our website and services
– Comply with legal and regulatory obligations
– Send marketing communications (only with consent)

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5. Legal Basis for Processing

Under UK GDPR, we rely on:

– Consent – for marketing communications
– Contract – to provide our services
– Legal obligation – to comply with financial regulations
– Legitimate interests – to improve services and prevent fraud

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6. Sharing Your Data

We may share your data with:

– Mortgage lenders and pension providers
– Regulatory authorities (e.g. Financial Conduct Authority)
– Service providers (IT, hosting, analytics)
– Professional advisers

We ensure all third parties respect your data and comply with GDPR.

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7. Data Retention

We retain personal data only as long as necessary:

– Typically up to 6 years for regulatory compliance
– Longer if required by law

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8. Your Data Protection Rights

You have the right to:

– Access your personal data
– Correct inaccurate data
– Request deletion (“right to be forgotten”)
– Restrict processing
– Data portability
– Object to processing
– Withdraw consent at any time

To exercise your rights, contact us at [Insert Email].

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO).

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9. Cookies Policy

What Are Cookies?

Cookies are small text files stored on your device when you visit our website.

Types of Cookies We Use

Essential Cookies
– Necessary for website functionality

Analytics Cookies
– Help us understand how visitors use our site (e.g. Google Analytics)

Marketing Cookies
– Used to deliver relevant advertisements (only with consent)

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Managing Cookies

You can control cookies via your browser settings.

When you first visit our website, you will be asked to consent to non-essential cookies.

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10. Third-Party Services

We may use third-party services such as:

– Google Analytics
– CRM systems
– Mortgage sourcing platforms

These providers may process data on our behalf.

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11. Data Security

We implement appropriate security measures to protect your data, including:

– Secure servers
– Encryption
– Access controls

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12. International Transfers

We do not transfer your data outside the UK unless adequate safeguards are in place.

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13. Changes to This Policy

We may update this policy from time to time. Updates will be posted on this page with a revised effective date.

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14. Contact Us

If you have questions about this policy or your data contact us

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End of Privacy Policy