Privacy Policy
Your privacy matters to us. This notice explains what information we collect, how we use it, and the rights you have over it.
This privacy notice explains how Aimee Garraway Independent Mortgage Solutions Ltd ("we", "us", "our") collects, uses, shares and protects your personal information when you use our website, speak to us, or use our mortgage and protection advice services. We are committed to protecting your privacy and handling your information in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
1. Who we are
Aimee Garraway Independent Mortgage Solutions Ltd is the "data controller" responsible for your personal information. Aim Independent Mortgage Solutions, a trading style of Aimee Garraway Independent Mortgage Solutions Limited, is an appointed representative of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Our FCA number is 944831.
- Address: 9 Juniper Drive, Rainworth, Nottinghamshire, NG21 0WA
- Company registration number: 13073432 (registered in England and Wales)
- Email: hello@aimmortgages.co.uk
- Telephone: 07496 377574
- ICO registration number: [to be confirmed]
2. The information we collect
To give you mortgage and protection advice we need to collect information about you. Depending on the service, this may include:
- Identity and contact details such as your name, date of birth, address history, email address and phone number.
- Financial information such as income, outgoings, existing borrowing, bank details, credit history and details of assets and liabilities.
- Employment information such as your employer, job title and length of service.
- Property information relating to the property you are buying, remortgaging or insuring.
- Family and dependant information where relevant to your mortgage or protection needs.
- Information about your goals and circumstances gathered during our fact-find.
3. Sensitive (special category) information
For protection, life insurance and similar products, we may need to collect health and medical information, which is classed as special category data. We will only collect this where it is necessary to arrange your cover, and we rely on your explicit consent and the substantial public interest / insurance provisions of the Data Protection Act 2018 to process it. You can withdraw consent at any time, although this may affect our ability to arrange suitable cover for you.
4. How we collect your information
- Directly from you, in person, by phone, email, or through forms on this website.
- From people acting on your behalf, such as a partner on a joint application or an introducer who referred you to us.
- From third parties such as lenders, insurers, credit reference agencies and fraud prevention agencies.
5. How and why we use your information
We only use your information where the law allows us to. The main reasons and lawful bases are:
| What we use it for | Lawful basis |
|---|---|
| Assessing your needs and providing mortgage and protection advice | Performance of a contract / steps prior to a contract |
| Submitting applications to lenders and insurers on your behalf | Performance of a contract |
| Meeting our regulatory and legal obligations (including FCA rules, anti money laundering and record keeping) | Legal obligation |
| Managing our relationship with you and improving our services | Legitimate interests |
| Sending you relevant updates where you have agreed | Consent |
| Processing health information for protection products | Explicit consent / insurance purposes |
6. Credit reference and fraud prevention agencies
To arrange a mortgage, lenders and we may carry out checks with credit reference agencies and fraud prevention agencies. These checks may appear on your credit file. The agencies may keep a record of the search and share information with other organisations for the purposes of assessing applications and preventing fraud and money laundering. If you provide false or inaccurate information and we suspect or identify fraud, we will record this and may pass details to these agencies.
7. Who we share your information with
We do not sell your personal information. We may share it with:
- Lenders, insurers and product providers to obtain quotes and submit applications.
- Credit reference and fraud prevention agencies.
- Our regulators and other authorities where we are legally required to, including the Financial Conduct Authority and HMRC.
- Trusted suppliers who help us run our business, such as IT, CRM and document storage providers, who act on our instructions.
- Professional advisers such as solicitors and conveyancers where relevant to your transaction.
8. International transfers
Your information is generally processed within the UK. Where a supplier processes information outside the UK, we take steps to ensure it is protected by appropriate safeguards, such as UK adequacy regulations or standard contractual clauses.
9. How long we keep your information
We keep your information for as long as you are a client and afterwards for as long as we are required to by law and our regulator. For mortgage and protection business this is typically a minimum of six years after our relationship ends, and longer for certain products such as those that may give rise to a future claim. After this we securely delete or anonymise it.
10. Keeping your information secure
We use appropriate technical and organisational measures to protect your information against loss, misuse and unauthorised access. We restrict access to those who need it and require our suppliers to do the same.
11. Marketing and your choices
We will only send you marketing where you have agreed to receive it or where we are otherwise permitted to. You can ask us to stop at any time by emailing hello@aimmortgages.co.uk or using the unsubscribe link in our emails.
12. Your rights
Under UK data protection law you have the right to:
- Be informed about how we use your information.
- Request a copy of the information we hold about you.
- Ask us to correct information that is inaccurate or incomplete.
- Ask us to delete your information in certain circumstances.
- Ask us to restrict or object to how we use your information.
- Request that we transfer your information to another provider where this applies.
- Withdraw consent at any time where we rely on it.
To exercise any of these rights, please contact us using the details below. We will respond within one month.
13. Cookies
Our website uses cookies and similar technologies. For full details of what we use and how to manage your preferences, please see our Cookie Policy.
14. Making a complaint
If you have a concern about how we have handled your personal information, please contact us first using the details below so we can try to put things right. We operate a data protection complaints procedure and will acknowledge and respond to your complaint promptly.
You also have the right to complain to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection, at ico.org.uk or by calling 0303 123 1113.
15. Changes to this notice
We may update this notice from time to time. Any changes will be posted on this page with a revised "last updated" date.
16. Contact us
If you have any questions about this notice or how we use your information, please contact us:
- Aimee Garraway Independent Mortgage Solutions Ltd
- 9 Juniper Drive, Rainworth, Nottinghamshire, NG21 0WA
- Email: hello@aimmortgages.co.uk
- Telephone: 07496 377574