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Privacy Policy

Last updated: March 2025

1. Who We Are

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229). Registered Office: First Floor, 10 College Road, Harrow, Middlesex, HA1 1BE. Authorised and regulated by the Financial Conduct Authority (FCA No. 748976). We are the data controller responsible for your personal data. Contact: sales@chessmortgages.co.uk / 0208 756 1 756.

2. Data We Collect

We may collect: name, email, phone number, postal address, date of birth, employment details, financial information (income, expenditure, credit history), property details, and any other information you provide during the advice process.

3. How We Use Your Data

  • • To provide mortgage and financial advice services
  • • To communicate with you about your enquiry or application
  • • To submit applications to lenders and insurers on your behalf
  • • To comply with regulatory requirements (FCA, ICO)
  • • To send relevant service updates (with your consent)

4. Legal Basis

We process your data under: legitimate interest (providing the service you've requested), contractual necessity (fulfilling our agreement with you), legal obligation (regulatory compliance), and consent (marketing communications).

5. Data Sharing

We may share your data with: mortgage lenders and insurers (to process applications), our CRM provider (Adviser IQ), regulatory bodies (FCA, Financial Ombudsman), and professional advisers (solicitors, accountants) where necessary. We never sell your data to third parties.

6. Data Retention

We retain personal data for the duration of our business relationship plus a minimum of 6 years after, in line with FCA regulatory requirements. Marketing data is retained until you withdraw consent.

7. Your Rights

Under GDPR you have the right to: access your data, rectify inaccuracies, request erasure (subject to regulatory retention), restrict processing, data portability, and object to processing. Contact us to exercise these rights.

8. Cookies

We use cookies to improve your experience. See our Cookie Policy for details.

9. Contact

For data protection queries, contact: sales@chessmortgages.co.uk or write to: Data Protection, Chess Mortgages, First Floor, 10 College Road, Harrow, Middlesex, HA1 1BE.

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