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Privacy Policy

1. Introduction

Property Finance Choices (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, store, disclose, and otherwise process personal data of customers, website visitors, and other users of our services (“Services”). It also outlines the choices you have regarding your personal data. By accessing or using our Services, you consent to the collection and use of your information in accordance with this Policy.

2. Data We Collect

We collect various types of information, including:
  1. Personal identification information — such as your name, date of birth, nationality, government-issued identification numbers, addresses, e-mail addresses, telephone numbers, and any other information required for identity verification and compliance purposes.
  2. Business information — details about your company, its directors and beneficial owners, the goods or services you provide, and your customer base.
  3. Financial information — bank account details, payment information, transaction histories, and account balances required to provide financial services.
  4. Verification documents — copies of passports, driver’s licences, utility bills, corporate records, or other documents necessary for verification and compliance checks.
  5. Technical and usage data — IP addresses, device identifiers, browser types, access times, pages visited, language preferences, session durations, and other data collected automatically.
  6. Marketing and communication preferences — your preferences for receiving marketing communications, newsletters, or service updates.

3. How We Collect Data

We collect information in several ways:
  • Directly from you. You provide personal and business information when you create an account, submit applications, complete forms, conduct transactions, or communicate with us.
  • Automatically. Technical and usage data are collected when you use our Services, through cookies and similar technologies (see our Cookie Policy).
  • From third parties. We may receive information from financial institutions, identity verification providers, credit reference agencies, fraud-prevention bodies, and publicly available sources.

4. How We Use Data

We use your personal data for the following purposes:
  1. Provision of Services. To provide financial products and services, process applications, facilitate payments, and offer customer support.
  2. Compliance with legal obligations. To verify identities, conduct AML screening, monitor transactions, and comply with regulatory reporting obligations.
  3. Security and risk management. To prevent fraud, detect suspicious activities, and ensure the integrity of our Services.
  4. Improving Services. To analyse performance, troubleshoot issues, and develop new products or features.
  5. Marketing and communications. To send updates, service notices, marketing offers, or surveys. Where required by law, we will request your consent and provide opt-out options.
  6. Compliance audits. To conduct audits and maintain records in accordance with legal, regulatory, and contractual obligations.

5. Legal Basis for Processing

We rely on one or more of the following legal bases to process personal data:
  • Contractual necessity. To deliver the Services you request and fulfil agreements.
  • Legal obligations. To comply with financial, anti-money laundering (AML), and regulatory requirements.
  • Legitimate interests. To improve services, protect against fraud, and ensure business continuity.
  • Consent. Where required, we obtain your consent for specific processing activities, such as marketing or cookies.

6. How We Share Data

We may share personal data in the following circumstances:
  1. Financial and service partners. To facilitate payments, settlements, and financial services.
  2. Service providers. Third-party providers supporting verification, fraud prevention, data hosting, analytics, and customer services.
  3. Regulators and law enforcement. When disclosure is legally required or requested by competent authorities.
  4. Corporate transactions. In the event of mergers, acquisitions, or reorganisations.
  5. Group companies. Within Property Finance Choices affiliates and subsidiaries for service delivery and administration.
We do not sell or rent your personal data to third parties for marketing purposes.

7. Cross-Border Data Transfers

As part of providing our Services, personal data may be transferred internationally. Where transfers occur, we implement appropriate safeguards such as contractual clauses, encryption, and regulatory compliance measures.

8. Data Security

We implement technical and organisational security measures including encryption, access controls, firewalls, and monitoring. While we take reasonable steps to protect your data, no system is entirely secure. You are responsible for safeguarding your account credentials.

9. Data Retention

We retain personal data only as long as necessary for the purposes outlined in this Policy, including compliance with legal and regulatory obligations. Once no longer required, data will be securely deleted or anonymised.

10. Your Rights and Choices

Depending on applicable law, you may have the right to:
  1. Access your personal data and request a copy.
  2. Rectify inaccurate or incomplete information.
  3. Erase your personal data when it is no longer necessary or where consent is withdrawn.
  4. Restrict processing of your data in certain circumstances.
  5. Object to processing based on legitimate interests or direct marketing.
  6. Port your data in a machine-readable format.
  7. Withdraw consent where processing is based on consent.
To exercise these rights, please contact us (see Section 13). We may require identity verification before processing requests.

11. Children’s Privacy

Our Services are intended for individuals aged 18 and over. We do not knowingly collect personal data from children. If such data is collected inadvertently, it will be deleted promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in practices, laws, or regulatory requirements. Updated versions will be published on our website and include a revision date. Continued use of our Services after updates indicates your acceptance.

13. Contact Us

Data Protection Officer, Property Finance Choices
Address: 61 Bridge Street, Kington, United Kingdom, HR5 3DJ
Email: sales@propertyfinancechoices.com