Welcome to Mortgage Cart (“we”, “our”, or “us”). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://mortgagecart.co.uk, engage our services, or otherwise interact with us.
1. Who We Are
Mortgage Cart is a mortgage and protection advice platform offering consultancy to help individuals and families find suitable mortgage products and financial solutions.
2. What Data We Collect
We may collect the following categories of personal data:
- Identity Data – name, title, date of birth
- Contact Data – email address, phone number, postal address
- Financial Data – income, expenses, employment details, credit history
- Technical Data – IP address, browser type, device identifiers
- Usage Data – how you use our website and services
- Marketing and Communication Data – preferences in receiving communications
3. How We Collect Your Data
We collect data via:
- Forms you complete on our website (e.g. contact or quote forms)
- Phone calls, emails, or in-person consultations
- Cookies and tracking technologies (see Section 8 below)
4. Why We Collect Your Data
We use your data to:
- Provide mortgage advice and related services
- Contact you in response to your enquiries
- Assist with mortgage or protection applications
- Comply with legal and regulatory obligations
- Improve website functionality and user experience
- Send you relevant marketing communications (with your consent)
5. Legal Basis for Processing
We process your data under the following legal bases:
- Consent – where you’ve given explicit permission
- Contractual necessity – to perform our services
- Legal obligation – to comply with regulations
- Legitimate interests – to operate and improve our services
6. Who We Share Your Data With
We may share your information with:
- Lenders, insurers, and mortgage providers (for application purposes)
- Credit reference agencies
- Regulatory bodies (e.g. FCA)
- Our IT and hosting providers
- Our professional advisors (e.g. legal, compliance)
We will never sell your data to third parties.
7. International Transfers
If any data transfer occurs outside the UK or EEA, we ensure appropriate safeguards such as Standard Contractual Clauses or UK adequacy decisions.
8. Cookies and Tracking
We use cookies and similar technologies to:
- Improve site performance
- Analyse traffic
- Personalise content
You can manage your cookie preferences via your browser settings. For more information, see our Cookie Policy.
9. Data Security
We implement industry-standard measures to protect your data, including:
- SSL encryption
- Secure servers
- Access control protocols
However, no system is 100% secure.
10. Your Rights (UK GDPR)
You have the right to:
- Access your data
- Correct inaccurate data
- Request deletion (“right to be forgotten”)
- Restrict or object to processing
- Request data portability
- Withdraw consent at any time
To exercise your rights, contact us at: info@mortgagecart.co.uk
11. Data Retention
We retain personal data only as long as necessary to fulfill the purposes we collected it for, including satisfying any legal, accounting, or reporting requirements (usually up to 6 years).
12. Third-Party Links
Our website may include links to third-party sites. We are not responsible for their privacy practices. Please review their policies before sharing data.
13. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.
15. Contact Us
If you have any questions or concerns about this policy or your data, please contact:
Mortgage Cart
Email: info@mortgagecart.co.uk
Website: https://mortgagecart.co.uk