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Welcome to Emortage (“we,” “our,” or “us”). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, and protect your information when you use our website emortage.com (the “Website”).

By using our Website, you agree to the terms of this Privacy Policy.

1. Who We Are

Emortage provides mortgage insurance services in the UK and complies with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Company Address:
20 Farringdon Street,London EC4A 4AB, United Kingdom

Contact Information:
Phone: +44 20 7946 0123
Email: [email protected]

2. What Personal Data We Collect

We may collect the following types of personal data:

  • Contact Information: Name, email, phone number, and address.
  • Financial Information: Mortgage details, income, and property information (if provided).
  • Communication Data: Emails, messages, and customer inquiries.
  • Technical Data: IP address, browser type, and cookies (see our Cookie Policy).
  • Marketing Preferences: Your opt-in choices for receiving promotional materials.

We do not collect special category data (such as health details, ethnicity, or religious beliefs) unless legally required.

3. How We Collect Your Data

We collect personal data through:

  • Online forms (contact forms, newsletter subscriptions).
  • Cookies and tracking technologies (see our Cookie Policy).
  • Direct communication (emails, phone calls, or customer support inquiries).

4. How We Use Your Data

We use your data for the following purposes:

  • To provide mortgage insurance services.
  • To respond to inquiries and provide customer support.
  • To send newsletters and marketing materials (only if you opt-in).
  • To analyze website performance and improve user experience.
  • To ensure website security and fraud prevention.

We do not sell your data to third parties.

5. Legal Basis for Processing Your Data

We process your personal data based on the following legal grounds:

  • Contractual necessity – To deliver our services.
  • Legitimate interest – To improve our business operations and customer service.
  • Legal compliance – To meet UK regulations and financial laws.
  • Consent – For marketing communications (which you can opt out of at any time).

6. How We Share Your Data

We may share your data with:

  • Service providers (such as email marketing tools and IT support).
  • Financial institutions (for mortgage-related services).
  • Regulatory authorities (where legally required, such as FCA or HMRC).

All third parties we work with must comply with UK data protection regulations.

7. How We Store and Protect Your Data

We use secure systems to store and protect your personal data. Our security measures include encryption, firewalls, and access controls.

We retain your data only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

8. Your Rights Under UK GDPR

You have the following rights under UK GDPR:

  • Right to Access – Request a copy of your personal data.
  • Right to Rectification – Request corrections to inaccurate data.
  • Right to Erasure (“Right to be Forgotten”) – Request data deletion.
  • Right to Restrict Processing – Limit how we use your data.
  • Right to Object – Opt out of direct marketing.
  • Right to Data Portability – Request your data in a transferable format.

To exercise these rights, please contact us at [email protected].

9. Marketing and Communications

We only send marketing emails if you have opted in. You can unsubscribe anytime by clicking the “unsubscribe” link in our emails or by contacting us.

10. Cookies and Tracking Technologies

We use cookies to analyze website traffic and improve user experience. For details, see our Cookie Policy.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy policies and recommend reviewing them separately.

12. Changes to This Privacy Policy

We may update this policy to reflect changes in technology, legal requirements, or business practices. The latest version will always be available at emortage.com/privacy-policy.