Privacy notice

Thank you for taking the time to visit our website. Private Finance Ltd respects each person’s privacy. This privacy notice will advise you on how we collect and use the personal information you supply us with. By submitting your data to us, it is implied that you have given us your permission to use your data under the terms of this notice. Private Finance and Private Finance Chartwell Noble are trading styles of Private Finance Ltd, 1-3 Worship Street, London, EC2A 2AB, registered in England no. 3855776.

Telephone Number: 0207 317 2820

ICO Registration Number: Z5007840

Privacy Notice

This privacy notice explains how we use any personal information we collect about you (we have a Data Protection policy in place, please contact us if you wish to view this).

Why do we need to collect and use your personal data?

The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we would be unable to fulfil our legal and regulatory obligations.
Where special category data is required, we’ll obtain your explicit consent in order to collect and process this information.

What information do we collect about you?

Private Finance Ltd collects information about you when you engage us for mortgage and protection advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services.

Data provided by you:

• Funder application details: for example but not limited to, your name, national insurance number, postal address, your email address, your IP address, telephone numbers, date of birth, bank account details, equipment requirement details, home ownership details, reason for borrowing, your assets and liabilities, details of your proof of identity documentation, proof of address documentation, evidence of additional equity available and evidence of any other business interests
• When you talk to us: for example on the phone, or in person including call recordings and voice messages. We may monitor or record calls with you to check we have carried out your instructions, to resolve queries or disputes, to improve the quality of our service or for regulatory or fraud prevention purposes. Recordings are stored securely and are only accessed by authorised individuals where necessary.
• In writing: for example letters, emails, texts and other electronic communications
• Online: for example when you use our website or online portal.
• In financial reviews, for renewals and in any surveys etc

Data we collect when you use our services?

• Transaction data: for example what sort of products you are selecting, the length of term, the types of asset you are looking at financing, business type and geographical location
• Payment data: for example, the amount, origin, frequency, history and method of your payments
• Usage and profile data: for example, the profile you create to use our website and how you use it. We gather this data from the devices you use, using cookies and other software
• Register online or other communication methods for our services.
• Voluntarily complete a customer survey or provide feedback on any of our message boards or via email.

• Use or view our website via your browser’s cookies. Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site

Data provided to and by third parties

• Data from persons that introduce you to us: for example brokers, product suppliers, financial advisers, agents, finance providers or other third parties
• Data from credit reference agencies, most likely to be either Experian, Creditsafe, Equifax etc
• Data from fraud prevention agencies
• Publicly available information: for example, from the land registry, companies house, the electoral register, other information available online or in the media, including social media
• Data from your representatives where relevant: for example your legal and financial advisers such as lawyers and accountants
• Data from your employers and medical data where relevant

*In certain circumstances we may ask you to provide us with medical information if we determine that this is a requirement for us to either proceed to enter into the agreement with you or once we have entered into the agreement with you determine that the same is necessary for whatever reason. Full details as to the reason for our request and how we will use this information will be given to you at the time should we request such information from you.

Special Category Data

In the course of your interactions with Private Finance Ltd you may share information that is classified as ‘Special Category Data’. This could include data about:

• Race
• Ethnic origin
• Politics
• Religion
• Trade union membership
• Genetics
• Biometrics
• Health
• Sex life
• Sexual orientation

Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability Private finance Ltd will always seek explicit consent from you to store and process such information.

How will we use the information about you?

We collect information about you in order to provide you with the services for which you engage us.

Recorded telephone calls and other communications are used to review interactions, support staff training, investigate queries or complaints, and evidence transactions where required.

Who might we share your information with?

If you agree, we may email you about other products or services that we think may be of interest to you. We won’t share your information for marketing purposes with companies outside of Private Finance Ltd. In order to deliver our services to you effectively, we may send your details to third parties such as those that we engage for professional compliance, accountancy, technology or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data, we will have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.

If you enquire with Private Finance about a mortgage, we may occasionally share your details with another mortgage broker, Advias Ltd (https://advias.co.uk/), which is an associated company. This sharing may occur where it is necessary to help you secure the most suitable product or service for your needs. We will ensure that any such sharing is conducted securely and only with brokers who are authorised and regulated by the Financial Conduct Authority.

In order to facilitate the transaction to which your business with us relates, we will aim to keep all relevant third parties including, but not limited to, solicitors and estate agents informed of key milestone events, such as valuation dates or the issuing of your mortgage offer.

If you are based outside of the EEA, the country in which you are based might not have analogous Data Protection Legislation to the UK, as a firm we apply UK standards. Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.
Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit. For example, postal documents will be posted recorded delivery.
To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

How long do we keep hold of your information?

In principle, your personal data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we’re subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. In any case, we’ll not retain your personal data for longer than past the time of your death.
You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

What are your data protection rights and choices?

Your personal data is protected by legal rights, which include:

• Right to be informed – Individuals have the right to be informed about the collection and use of their personal data
• The right of access to your personal data – Individuals have the right to access and receive a copy of their personal data and other supplementary information.
• The right to rectification- Individuals have the right to have inaccurate personal data rectified or completed if incomplete.
• The right to erasure – Individuals have the right to have their personal data erased.
• The right to restrict processing – Individuals have the right to request the restriction or suppression of their personal data.
• The right to portability – This allows individuals to obtain and reuse their personal data for their own purposes across different services.
• The right to object – this gives individuals the right to object to the processing of their personal data in certain circumstances, it also gives individuals the absolute right to stop their data being used for direct marketing
• The right in relation to automated decision making and profiling – this allows individuals to object to their data being used in an automated individual decision-making process (making a decision solely by automated means without any human involvement) and profiling (automated processing of personal data to evaluate certain things about an individual). Profiling can be part of an automated decision-making process.

There may be reasons why we need to keep or use your data, but please tell us if you think we should not be processing your data.

How can I access the information you hold about me?

You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information, please email or write to us:
• Email: info@privatefinance.co.uk
• In writing: Compliance & Operations Manager, Private Finance Ltd, 1–3 Worship Street, London, EC2A 2AB

When your personal data is processed by automated means, you have the right to ask us to move your personal data to another organisation for their use.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.

Marketing

We’d like to send you information about our products and services and those of other companies in our group which may be of interest to you. If you’ve agreed to receive marketing information, you may opt out at a later date.
You have a right at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted for marketing purposes, please contact us by:
• Email: info@privatefinance.co.uk
• In writing: Compliance & Operations Manager, Private Finance Ltd, 1–3 Worship Street, London, EC2A 2AB

Cookies

We use cookies to track visitor use of the website and to compile statistical reports on website activity.

For further information visit http://www.allaboutcookies.org

You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.

Other websites

Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed?

You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
0303 123 1113 (local rate)

or by email to casework@ico.org.uk. See also https://ico.org.uk/global/contact-us/.

Changes to our privacy policy

We keep our privacy policy under regular review and we’ll place any updates on this web page (and/or) inform you of any changes when they occur.  This privacy policy was last updated on 3^rd June 2026.

How to contact us

Please contact us if you have any questions about our privacy policy or information we hold about you by:
• Email: info@privatefinance.co.uk
• In writing: Compliance & Operations Manager, Private Finance Ltd, 1–3 Worship Street, London, EC2A 2AB