Privacy & Cookie Policy

Cookies

Adele Tomasin
Privacy Policy
Last updated: 16th January 2026

1. Who we are

We are Ingard Financial Limited (registered in England and Wales under company number 05728066), a mortgage-advisory firm authorised and regulated by the Financial Conduct Authority (“FCA”). Our Company Reference Number is 450731.
This Privacy Policy explains how we collect, use, store and share your personal data when providing mortgage advice, arranging mortgages, and any ancillary services.

2. The personal data we collect

We collect personal data from you in order to provide our services. This may include:

  • Identity & contact data (name, address, email, telephone number, date of birth, national insurance number, previous addresses)
  • Financial & transaction data (income, employment status, credit history, expenditure/outgoings, bank account details)
  • Property data (value, type of property, loan amount, deposit details)
  • Documents and verification data (passport/ID, utility bills, proof of income, source of funds)
  • Technical data (IP address, browser type, device identifiers when you use our website)
  • Marketing & communications data (your preferences in how you like to be contacted)
  • Sensitive data: in some cases we may collect “special category” personal data such as health information (for example if arranging certain types of insurance) — we will treat this with extra care.

3. How we collect your data

We collect data:

  • Directly from you (via fact-find forms, phone calls, meetings, email, website forms)
  • From third parties (credit reference agencies, lenders, insurers, ID verification services)
  • Automatically when you use our website (cookies, analytics)

4. Why we use your personal data & lawful bases

We will use your personal data for the following purposes, with lawful bases under UK GDPR:

Purpose

Lawful Basis

To provide mortgage advice & arrange a mortgage with a lender

Performance of a contract with you / taking steps at your request

To comply with regulatory and legal obligations (e.g., anti-money-laundering, FCA requirements)

Legal obligation

To assess your financial circumstances and affordability

Legal obligation / legitimate interest

To communicate with you, provide updates, answer queries

Performance of a contract / legitimate interest

For marketing (if you have opted in)

Your consent

To maintain records, manage disputes and defend legal claims

Legitimate interest

5. How we share your personal data

We may share your personal data with:

  • Lenders, insurers, conveyancers and other professionals involved in your mortgage application
  • Credit reference agencies and fraud prevention agencies
  • Regulatory bodies (including the FCA) and law enforcement when required by law
  • Our service providers (IT systems, analytics, cloud storage) who process data on our behalf
  • In the event our business is sold or merged: the new owner may use your data in accordance with this policy

We do not sell your personal data to third parties for marketing purposes without your explicit consent.

6. International transfers

Your personal data may be transferred outside the UK or EEA where necessary (for example cloud-storage providers or overseas data centres). If so, we will ensure appropriate safeguards are in place, such as Standard Contractual Clauses or that the destination country is considered to provide adequate protection under UK law.

7. Data security

We have appropriate technical and organisational measures in place to protect your personal data against unauthorised or unlawful processing, accidental loss, destruction or damage. This includes:

  • Access controls & encryption
  • Staff training and confidentiality obligations
  • Secure storage and transmission of data
  • Incident response and breach notification procedures

8. Data retention

We will retain your personal data for as long as necessary to provide our services and comply with legal/regulatory obligations. Typically:

  • For the duration of our advisory relationship + at least six years after the end of the relationship (in line with FCA/Tax requirements)
  • For certain data we may retain longer if required for legal claims or regulatory investigations

After the retention period ends, your data will either be securely destroyed or anonymised.

9. Your rights

Under UK GDPR you have certain rights in relation to your personal data. These include:

  • The right to access the personal data we hold about you
  • The right to rectify inaccurate or incomplete data
  • The right to erasure (“right to be forgotten”) in certain circumstances
  • The right to restrict or object to processing in certain circumstances
  • The right to data portability (in limited cases)
  • The right to withdraw consent (where we rely on your consent)
  • The right to complain to the Information Commissioner’s Office (ICO) if you believe we’ve handled your personal data improperly

If you wish to exercise any of these rights, please contact us at [email protected].

10. Cookies and website tracking

When you visit our website we use cookies and other tracking technologies to collect information about your browsing behaviour (IP address, device used, pages visited). You can control cookies via your browser settings. If you disable cookies, some parts of the website may not function fully.

11. Changes to this policy

We may update this Privacy Policy from time to time (for example to reflect regulatory or legal changes). The “Last updated” date at the top indicates when it was last revised. We encourage you to review it periodically. If we make material changes, we may provide additional notice (e.g., email) where required.

12. Contact us

If you have questions or concerns about this Privacy Policy or how we process your data, please contact:
📧 Email: [email protected]
📞 Phone: +44 (0)7766 631 507
📍 Address: 115-116 Marine Parade, Brighton, BN2 1DD