At Tannerberry Financial Services ("we", "us", or "our"), we are committed to protecting your personal data in accordance with UK GDPR and the Data Protection Act 2018.

1. The Personal Data We Collect

• Identity Data: Name, DOB, marital status, etc.
• Contact Data: Address, email, phone numbers.
• Financial Data: Income, bank details, liabilities, etc.
• Special Categories: Health data (with consent), and occasionally other sensitive data.
• Property Data: Properties owned or intended to purchase.
• Usage & Communication Data: Website usage, call/email records.

2. How We Collect Your Personal Data

• Directly from you (forms, emails, calls).
• From third parties: credit agencies, lenders, professionals (e.g., solicitors), etc.

3. Our Lawful Bases for Processing

• Performance of a contract
• Legal obligations
• Legitimate interests (e.g., fraud prevention, business operations)
• Consent (e.g., marketing or health data)

4. How We Use Your Personal Data

• To provide mortgage brokerage services
• To comply with regulations (e.g., AML/KYC)
• Internal operations and quality control
• Marketing (if applicable)

5. Sharing Your Personal Data

We may share your data with lenders, CRAs, legal professionals, IT providers, regulators, and others as outlined in the full policy. We never sell your data.

6. International Data Transfers

Data is usually stored in the UK. If data is transferred internationally, appropriate safeguards (e.g., SCCs, adequacy decisions) are used.

7. Data Security

We use encryption, access controls, physical security, and staff training to protect data. While robust, no method is 100% secure.

8. Data Retention

Data is retained for at least 6 years or as required by regulations. After this, it is deleted or anonymised.

9. Your Rights

• Right to be informed
• Right of access
• Right to rectification
• Right to erasure
• Right to restrict processing
• Right to data portability
• Right to object
• Rights related to automated decision-making

Contact us to exercise these rights.

10. Changes to This Policy

This policy may be updated. Please review periodically for changes.

11. Contact Us

Data Protection Officer / Privacy Team
Tannerberry Financial Services
28 North Parade, Bradford, BD1 3HZ
info@tannerberryfs.co.uk
01274 058680

12. Complaints

You can complain to the ICO:

Information Commissioner's Office (ICO)
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline: 0303 123 1113
https://ico.org.uk