Privacy Policy

Effective Date: 26.02.2026

At Milton House Mortgage & Protection, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who We Are

Milton House Mortgage & Protection is a "Data Controller" for the information you provide. We are registered with the Information Commissioner’s Office (ICO) under registration number ZB889414.

2. The Information We Collect

When you interact with us via our website contact form or during a consultation, we may collect:

Personal Identity Data: Name, date of birth, and gender.
Contact Data: Email address, phone number, and home address.
Financial Data: Income, expenditure, bank statements, and credit history.
Special Category Data: For Protection (Insurance) advice, we may collect sensitive information regarding your health and medical history. We will always obtain your explicit consent before processing this data.

3. How and Why We Use Your Data

We process your information under the following legal bases:

Contractual Necessity: To provide mortgage and insurance advice and process your applications.
Legal Obligation: To verify your identity and comply with Anti-Money Laundering (AML) and Financial Conduct Authority (FCA) regulations.
Legitimate Interests: To contact you about the progress of your application or to remind you when your mortgage product is due for renewal.

4. Who We Share Your Data With

We do not sell your data. We only share it with third parties necessary to provide our services, including:

Lenders and Insurance Providers: To obtain quotes and submit your applications.
Our Regulatory Network: TMG Direct Limited (Firm Reference Number: 786245), who provide regulatory oversight and compliance auditing to ensure we are meeting the highest standards.
Credit Reference Agencies: To perform necessary identity and credit checks.
Sourcing Systems: Professional software used to research the best deals for you.

5. Data Retention (How Long We Keep Your Data)

In accordance with FCA regulatory requirements, we generally retain client files for a minimum of 6 years from the end of our professional relationship. If you submit an inquiry through our website but do not proceed with our services, your data will be securely deleted after [6/12] months.

6. Your Rights

Under UK data protection law, you have the right to:

Access: Request a copy of the personal data we hold about you.
Correction: Ask us to rectify any inaccurate or incomplete information.
Withdraw Consent: Withdraw your consent for us to process your health data at any time.
Complaints: If you are unhappy with how we handle your data, you can complain to the ICO (www.ico.org.uk).

7. Cookies

Our website uses cookies to improve your browsing experience. You can manage your cookie preferences through your browser settings or our website's cookie banner.

8. Contact Us

For any questions regarding this policy or your data, please contact us at: kayleigh@miltonhousemortgage.co.uk