Privacy Notice.

Who we are

Smooth Financial Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA no. 1020251). Registered in England & Wales, company no. 12494038. Registered office: 124 Kemp House, City Road, London, EC1V 2NX. Smooth Financial Group is part of a wider group of companies which also includes Smooth Financial Group Sp. z o.o. and Smooth Property Services Ltd.

This notice explains how we collect and use personal information when you visit our website, contact us, apply for a mortgage or protection product through us, or otherwise interact with our services.

What data we collect

We collect personal identification information such as your name, email address, phone number, address, date of birth, and information relevant to any advice you ask for — for example income, employment, credit commitments, property details and information about your family. We only collect what we need to help you.

How we collect your data

You provide most of this data directly when you:

• Enquire, register or apply online for our products or services
• Speak with an adviser by phone or email
• Complete a fact-find, application form or customer survey
• Contact us through our website, social media, or by post
• Use our website (via cookies — see below)

We may also receive information about you indirectly from third parties, for example a lead supplier who introduced you to us, or from credit reference agencies when we assess an application.

How we use your data

We use your personal data to:

• Provide the advice, products and services you’ve asked for, and manage your account with us
• Process applications with lenders, insurers and other partners on your behalf
• Verify your identity and prevent fraud (this may include checks with credit reference agencies)
• Comply with our legal, regulatory and record-keeping obligations
• If you consent, send you information about products and services we think may interest you

If you’ve agreed to receive marketing, you can opt out at any time by contacting us.

Who we share your personal information with

To provide our services we may share your data with:

• Mortgage lenders
• Our mortgage network
• Life insurers
• Buildings & contents insurers and home emergency cover insurers
• Estate agents
• Conveyancers we personally recommend, where you wish to proceed with a quote
• Lead suppliers, if you were introduced to us by a third party
• Smooth Financial Group Sp. z o.o.
• Smooth Property Services Ltd

We only share what’s necessary, and we require anyone we share your data with to protect it to the same standard we do.

How we store your data

Your data is stored securely on systems protected by industry-standard measures (encryption in transit, access controls, and staff training). We keep personal data for at least 2 years, or longer where we’re required to by law or FCA record-keeping rules. When we no longer need it, we delete it securely.

Your data protection rights

Under UK GDPR you have the right to:

• Access — ask for a copy of the personal data we hold about you.
• Rectification — ask us to correct information that’s inaccurate or complete anything that’s missing.
• Erasure — ask us to delete your data, subject to certain conditions.
• Restrict processing — ask us to limit how we use your data, subject to certain conditions.
• Object to processing — object to certain uses of your data, subject to certain conditions.
• Data portability — ask us to transfer your data to you or another organisation.

To exercise any of these rights, contact us using the details below. We’ll respond within one month.

Cookies

Cookies are small text files placed on your device to collect standard internet log information and visitor behaviour. For general information about cookies, visit allaboutcookies.org.

We use the following types of cookies:

• Functionality — so we recognise you on our website and remember your preferences (such as language or region). These use a mix of first-party and third-party cookies.
• Advertising — to understand which content you’ve seen and how you got here, so we (and, in some cases, our advertising partners) can show you more relevant information across other websites.

You can set your browser to refuse cookies. Some website features may not work properly if you do.

Other websites

Our website may contain links to other websites. This notice applies only to our own site — if you follow a link elsewhere, please read that site’s privacy notice.

Changes to this notice

We keep this notice under regular review and post updates on this page. Please check back from time to time to make sure you’re happy with any changes.

How to contact us

For any question about this notice, the data we hold on you, or to exercise your rights, please contact us:

• Email: enquiries@smoothfg.co.uk
• Phone: 02081 910521
• Post: Data Protection, Smooth Financial Group Ltd, 124 Kemp House, City Road, London, EC1V 2NX

How to contact the ICO

If you’re unhappy with how we’ve handled your personal data, you can complain to the Information Commissioner’s Office (ICO) — the UK regulator for data protection.

• Website: ico.org.uk
• Phone: 0303 123 1113