Privacy Policy

1. Introduction

Domus Finance Ltd ("we", "us", or "our") is committed to protecting and respecting your privacy. This policy explains how we collect, use, store, and share your personal information when you use our website or services.

We are registered with the Information Commissioner's Office (ICO) and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when you:

• Complete contact forms on our website
• Request a mortgage consultation or advice
• Apply for a mortgage or financial product through us
• Subscribe to our newsletter or updates
• Contact us by email, phone, or post

This information may include:

• Personal details (name, date of birth, contact information)
• Financial information (income, employment details, existing debts)
• Property information (purchase price, deposit amount)
• Credit history and banking details
• National Insurance number and proof of identity

2.2 Information We Collect Automatically

When you visit our website, we automatically collect:

• Technical information (IP address, browser type, device information)
• Usage information (pages visited, time spent, links clicked)
• Cookie data (see our Cookie Policy for more information)

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide our services: Process mortgage applications, source suitable products, and provide financial advice
• To communicate with you: Respond to enquiries, send updates about your application, and provide customer support
• To comply with legal obligations: Conduct identity verification, anti-money laundering checks, and maintain records as required by FCA regulations
• To improve our services: Analyze website usage and gather feedback to enhance our offerings
• With your consent: Send marketing communications about products and services that may interest you

4. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract: Processing necessary to provide our mortgage broking services
• Legal obligation: Compliance with FCA regulations, anti-money laundering laws, and financial services requirements
• Legitimate interests: Improving our services, fraud prevention, and business development
• Consent: Marketing communications and non-essential cookies

5. Sharing Your Information

We may share your personal information with:

• Mortgage lenders and product providers: To process your application and arrange products
• Credit reference agencies: To verify your identity and assess creditworthiness
• Third-party service providers: Such as solicitors, surveyors, and valuers involved in your transaction
• Our network and appointed representative: The Right Mortgage Ltd, our principal under FCA regulations
• Professional advisers: Legal advisers, auditors, and compliance consultants
• Regulatory bodies: FCA, ICO, and other authorities when required by law

We never sell your personal information to third parties for marketing purposes.

6. Data Retention

We retain your personal information for:

• Active clients: Duration of our relationship plus 6 years (in line with FCA requirements)
• Enquiries that don't proceed: Up to 2 years
• Marketing data: Until you unsubscribe or request deletion
• Website analytics: Up to 26 months

7. Your Rights

Under UK GDPR, you have the following rights:

• Right of access: Request a copy of your personal data
• Right to rectification: Correct inaccurate or incomplete information
• Right to erasure: Request deletion of your data (subject to legal requirements)
• Right to restrict processing: Limit how we use your data in certain circumstances
• Right to data portability: Receive your data in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interests or for direct marketing
• Right to withdraw consent: Where processing is based on consent

To exercise any of these rights, please contact us using the details below.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, access controls, and regular security assessments.

9. International Transfers

Your personal data is stored and processed within the UK and EEA. If we need to transfer data outside these regions, we ensure appropriate safeguards are in place as required by UK GDPR.

10. Cookies

Our website uses cookies to improve your browsing experience. For detailed information about the cookies we use and how to manage them, please see our Cookie Policy.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites and encourage you to read their privacy policies.

12. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions about this privacy policy or wish to exercise your rights, please contact us:

14. Complaints

If you are not satisfied with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):