Privacy Policy

Who We Are

Cariad Mortgage Solutions provides mortgage and protection advice.

For the purposes of this Privacy Policy, references to "we", "us" and "our" mean Cariad Mortgage Solutions.

Information We May Collect

Depending on the service you require and how you interact with us, we may collect information including:

• Your name and contact details
• Your address and previous addresses
• Your date of birth
• Information about your employment and income
• Details of your financial circumstances
• Information about your existing mortgages, loans, credit commitments and other financial arrangements
• Information relating to your property or proposed property purchase
• Identification and address verification documents
• Information contained within credit reports where appropriate and with the relevant authority or consent
• Information required to assess your mortgage or protection requirements
• Information you provide through our website, enquiry forms, social media advertisements, telephone calls, emails, WhatsApp or appointments
• Records of communications between you and Cariad Mortgage Solutions
• Marketing preferences and consent records

Where necessary for the provision of protection advice, information may include health or other special category personal data. Such information will only be handled where there is an appropriate lawful basis for doing so.

How We Collect Your Information

We may collect information directly from you when you:

• Complete an enquiry form
• Download one of our guides
• Contact us through our website
• Respond to one of our advertisements
• Contact us through social media
• Telephone, email or message us
• Communicate with us through WhatsApp
• Complete a fact find or other information request
• Attend an appointment
• Apply for a mortgage or protection product through us

We may also receive information from third parties where appropriate, including lenders, insurers, credit reference agencies, product providers and other parties involved in your mortgage or protection transaction.

How We Use Your Information

We may use your personal information to:

• Respond to enquiries
• Arrange and manage appointments
• Understand your circumstances and requirements
• Provide mortgage and protection advice
• Research suitable products and providers
• Obtain mortgage decisions in principle where instructed
• Submit and progress applications
• Communicate with lenders, insurers and other relevant third parties
• Provide ongoing customer service
• Maintain appropriate business and regulatory records
• Meet legal and regulatory obligations
• Prevent and detect fraud and financial crime
• Improve our services
• Send marketing communications where you have consented or where another lawful basis permits us to do so

Communications and Marketing

Where you have provided the appropriate consent, we may contact you with information about mortgages, remortgaging, protection, home buying and other relevant services or updates.

Marketing consent is separate from communications that are necessary to deal with an enquiry or provide a service you have requested.

You can change your marketing preferences or unsubscribe from marketing communications at any time.

Text Messages and Electronic Communications

Where you provide your mobile telephone number, we may use it to communicate with you regarding your enquiry, appointment or ongoing mortgage or protection case.

Where you separately consent to marketing communications, we may also send promotional or educational messages.

You can opt out of marketing messages at any time.

Sharing Your Information

Where necessary, your information may be shared with relevant organisations involved in providing or administering the services you require. These may include:

• Mortgage lenders
• Insurance and protection providers
• Our regulatory network
• Credit reference agencies
• Solicitors and conveyancers where appropriate
• Surveyors and valuers where appropriate
• Technology and software providers used to operate our business
• Professional advisers and service providers
• Regulatory, legal or governmental bodies where required

We will only share information where there is a legitimate reason and appropriate lawful basis for doing so.

We do not sell your personal information.

How We Protect Your Information

We take appropriate organisational and technical measures to protect personal information from unauthorised access, loss, misuse, alteration or disclosure.

Access to personal information is restricted to people and organisations who require it for legitimate business, regulatory or service purposes.

How Long We Keep Your Information

Personal information will only be retained for as long as necessary for the purpose for which it was collected and to meet applicable legal, regulatory and business record-keeping requirements.

Different categories of information may therefore be retained for different periods.

Your Rights

Depending on the circumstances and applicable data protection legislation, you may have rights relating to your personal information, including the right to:

• Request access to personal information held about you
• Request correction of inaccurate information
• Request deletion of information in certain circumstances
• Request restriction of processing in certain circumstances
• Object to certain types of processing
• Withdraw consent where processing relies upon consent
• Request the transfer of certain information where applicable

Some rights are subject to legal or regulatory exemptions.

Cookies and Website Information

The website may use cookies and similar technologies to support functionality, understand website usage and improve the user experience.

Where consent is required for particular cookies or tracking technologies, appropriate consent controls should be used.

Third-Party Websites

Our website may contain links to third-party websites.

We are not responsible for the privacy practices or content of third-party websites and recommend reviewing their privacy information separately.

Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes to our services, systems or legal and regulatory requirements.

The most recent version will be made available on this website.

Contact

If you have any questions about how your personal information is handled, please contact Cariad Mortgage Solutions using the contact details provided on this website.

If you wish to make a complaint regarding our service, please see our Complaints Procedure.