Privacy Policy

1. Who We Are

Steadfast Specialist Finance is a trading name of STEADFAST SPECIALIST FINANCE LIMITED, a company registered in England and Wales (Company Number: 16265037). We are authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: [XXXXX]). Our registered office is at Aston House, Cornwall Avenue, London N3 1LF. For the purposes of data protection law, we are the data controller of your personal information.

2. What Information We Collect

We may collect and process the following categories of personal data about you:

• Identity Information: Name, date of birth, nationality, and proof of identity documents.
• Contact Information: Address, email address, and telephone numbers.
• Financial Information: Income, employment details, bank statements, credit history, and existing mortgage or loan details.
• Property Information: Property address, valuation, and details of the property transaction.
• Technical Information: IP address, browser type, device information, and cookies when you use our website.

3. How We Collect Your Information

We collect information directly from you when you complete our enquiry forms, contact us by phone or email, or meet with one of our advisors. We may also receive information from third parties such as estate agents, referrers, credit reference agencies, and publicly available registers.

4. How We Use Your Information

We use your personal data for the following purposes:

• To assess your mortgage or finance requirements and provide suitable advice.
• To submit applications to mortgage lenders, insurers, and other financial product providers on your behalf.
• To comply with our regulatory obligations under FCA rules and anti-money laundering legislation.
• To communicate with you regarding your enquiry, application, or ongoing relationship.
• To improve our services, website functionality, and customer experience.
• To send marketing communications where you have provided your consent.

5. Legal Basis for Processing

We process your personal data under the following legal bases under UK GDPR:

• Performance of a Contract: Processing necessary to provide mortgage advice and arrange products you have requested.
• Legal Obligation: Processing required to comply with FCA regulations, anti-money laundering laws, and tax obligations.
• Legitimate Interests: Processing for our legitimate business interests, such as fraud prevention, IT security, and service improvement, provided your rights are not overridden.
• Consent: Where you have explicitly agreed, such as for marketing communications.

6. Sharing Your Information

We may share your personal data with:

• Mortgage lenders, insurers, and other financial product providers.
• Solicitors, surveyors, and other professionals involved in your property transaction.
• Credit reference agencies for affordability and credit checks.
• Our compliance and regulatory advisers, and the Financial Conduct Authority where required.
• IT service providers and cloud hosting platforms under strict data protection agreements.

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

7. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. Typically, we retain records for a minimum of six years after our relationship with you ends, in line with FCA requirements. Some records may be retained for longer where required by law.

8. Your Data Protection Rights

Under UK data protection law, you have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your data in certain circumstances.
• Restriction: Request limited processing of your data.
• Objection: Object to processing based on legitimate interests or for direct marketing.
• Portability: Request transfer of your data to another controller.

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

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve functionality, analyse traffic, and understand how visitors interact with our site. You can manage your cookie preferences through your browser settings. For more details, please see our Cookie Policy.

10. Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, and regular security assessments.

11. Third-Party Websites

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

12. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. Any significant changes will be communicated to you, and the updated policy will be posted on this page with a revised effective date.

13. Contact Us

If you have any questions about this privacy policy or how we handle your personal data, please contact us: