Privacy Policy

Last updated: 12 November 2025

At Marlow Mortgage Co, we take your privacy seriously. This policy explains how we collect, use, and protect your personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations (PECR).

  1. Who We Are

Marlow Mortgage Co (company number 14152228) is an Appointed Representative of Ingard Financial Limited, which is authorised and regulated by the Financial Conduct Authority (FCA registration number 450731).
Registered office: 26 Claremont Road, Marlow, Bucks, SL7 1BW.
Email: advice@marlow-mortgage.co.uk | Telephone: 01628 232 340

For regulated mortgage and protection activity, Ingard Financial Limited is the data controller. For any unregulated activity (e.g. general enquiries, marketing, or administrative processing), Marlow Mortgage Co acts as the data controller. Both firms are committed to protecting your personal information.

  1. What Data We Collect

We may collect and process the following information:

  • Personal details: name, address, date of birth, contact information, and identification documents.
  • Financial information: income, expenditure, employment, credit history, and bank details.
  • Sensitive information: only where necessary (e.g. health details for protection insurance applications).
  • Technical data: IP address, browser type, and cookies when visiting our website.
  • Communication data: emails, forms, or calls related to enquiries, applications, or support.

We only collect data necessary for providing advice, processing applications, or meeting our legal obligations.

  1. How We Use Your Information

We use your information to:

  • Provide mortgage, protection, and related financial advice.
  • Submit and manage applications with lenders or insurers.
  • Comply with FCA, HMRC, and anti-money-laundering regulations.
  • Maintain accurate business and compliance records.
  • Respond to enquiries and provide after-sales support.
  • Send marketing communications where you have explicitly opted in.

We will not use your information for any purpose unrelated to the services you have requested without your consent.

  1. Lawful Bases for Processing

We process your data using one or more of the following lawful bases:

  • Contract: to provide you with mortgage or insurance services at your request.
  • Legal obligation: to meet regulatory and compliance requirements.
  • Consent: for marketing communications and optional contact preferences.
  • Legitimate interests: to maintain business records, perform audits, or ensure service quality.
  1. Sharing Your Information

Your information may be shared with:

  • Ingard Financial Limited for supervision, compliance, and regulatory reporting.
  • Mortgage lenders, insurers, and other providers relevant to your application.
  • Credit reference and fraud prevention agencies.
  • Regulatory bodies such as the FCA, ICO, or HMRC where required by law.
  • IT, compliance, or professional service providers under strict confidentiality agreements.

We never sell your data to third parties.

  1. Retention of Data

We retain personal data for as long as necessary to fulfil our regulatory and legal obligations.
Typically this means retaining client files for a minimum of six years after our relationship ends, or longer where required by law (for example, lifetime mortgage advice).

  1. Marketing Communications

We will only contact you for marketing purposes where you have given explicit consent through a clear opt-in mechanism.
You can withdraw consent at any time by emailing advice@marlow-mortgage.co.uk or following the unsubscribe instructions in any marketing email.

  1. Your Rights

Under UK GDPR, you have the right to:

  • Access a copy of the personal data we hold about you.
  • Request correction or deletion of inaccurate or unnecessary data.
  • Withdraw consent for marketing or other non-essential processing.
  • Restrict or object to processing in certain circumstances.
  • Request transfer of your data to another provider (data portability).

To exercise any of these rights, please contact advice@marlow-mortgage.co.uk.

If you are unhappy with our response, you may contact:
The Information Commissioner’s Office (ICO)
Website: www.ico.org.uk | Telephone: 0303 123 1113

  1. Cookies

Our website uses cookies to improve your experience and analyse site performance. Cookies are small text files stored on your device. You can change your browser settings to block cookies, but some website features may not function correctly.
For more details, please see our Cookie Policy.

  1. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be published on our website and marked with the most recent revision date.

Contact Details

Marlow Mortgage Co
26 Claremont Road, Marlow, Bucks, SL7 1BW
Email: advice@marlow-mortgage.co.uk
Telephone: 01628 232 340