Privacy Policy

Grateful Property Finance ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage with our services.

By using our website or services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including but not limited to:

• Full name
• Email address
• Phone number
• Property finance requirements and related information
• Any other information you choose to provide in forms or communications

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing activity, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website addresses
• Date and time of visits

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide customer service
• To assess your property finance needs and connect you with appropriate lending solutions
• To communicate with you about our services, updates, and promotional offers
• To improve our website, services, and user experience
• To comply with legal obligations and protect our rights
• To prevent fraud and enhance security
• To analyze website usage and optimize our marketing efforts

3. Legal Basis for Processing (UK GDPR)

Under UK data protection law, we process your personal information based on the following legal grounds:

• Consent: You have given clear consent for us to process your personal data for specific purposes
• Legitimate Interests: Processing is necessary for our legitimate business interests, such as improving our services and preventing fraud
• Legal Obligation: Processing is necessary to comply with legal and regulatory requirements

4. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Lenders and Financial Partners: With your consent, we may share your information with lenders and financial institutions to facilitate your finance application
• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website and providing services (e.g., email services, analytics providers)
• Legal Requirements: We may disclose information when required by law, regulation, legal process, or governmental request
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

6. Your Data Protection Rights

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

• Right to Access: You can request copies of your personal data
• Right to Rectification: You can request correction of inaccurate or incomplete data
• Right to Erasure: You can request deletion of your personal data in certain circumstances
• Right to Restrict Processing: You can request limitation of how we use your data
• Right to Data Portability: You can request transfer of your data to another organization
• Right to Object: You can object to our processing of your personal data in certain circumstances
• Right to Withdraw Consent: Where we rely on consent, you can withdraw it at any time

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within one month.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience and analyze website traffic. Cookies are small text files stored on your device. You can control cookie settings through your browser preferences, though disabling cookies may affect website functionality.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. 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 review the privacy policies of any third-party websites you visit.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

11. International Data Transfers

Your information may be transferred to and processed in countries outside the United Kingdom. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with UK data protection law.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

14. Complaints

If you believe we have not handled your personal data properly, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection authority: