Privacy Policy.
Last updated: 17 September 2026
This Privacy Policy describes how Simplex Mortgages collects, uses, and protects your personal information. It applies to all visitors, enquiry holders, and clients of our services.
1. Introduction
Simplex Mortgages ("we", "us", "our") is authorised and regulated by the Financial Conduct Authority (FCA Number: 931770). We are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal information when you use our website or engage our services.
2. Information We Collect
We may collect and process the following types of personal information: • Contact details such as your name, email address, telephone number, and postal address. • Financial information relevant to your mortgage or protection enquiry, including income, employment, deposit, and property details. • Information about your specific requirements and circumstances provided via our enquiry forms or during consultations. • Technical data such as your IP address, browser type, and usage patterns when you visit our website. • Communications and correspondence you send to us.
3. How We Use Your Information
We use your personal information for the following purposes: • To respond to your enquiries and provide mortgage and protection advice tailored to your circumstances. • To process applications on your behalf with lenders and insurance providers. • To communicate with you about your enquiry, application, and related services. • To comply with our legal and regulatory obligations under FCA rules and UK law. • To improve our website, services, and customer experience. • To send relevant marketing communications, where you have provided consent.
4. Legal Basis for Processing
We process your personal information under the following lawful bases: • Consent — where you have provided clear consent, for example to receive marketing communications. • Contract — where processing is necessary to take steps before entering into a contract or to perform a contract with you. • Legal obligation — where we are required to process your data to comply with legal or regulatory requirements. • Legitimate interests — where processing is in our legitimate interests and does not override your rights.
5. Sharing Your Information
We may share your personal information with: • Lenders, insurance providers, and conveyancers involved in your mortgage or protection application. • Credit reference agencies for the purpose of assessing affordability and creditworthiness. • Third-party service providers who support our operations, such as IT and CRM platforms. • Regulatory bodies, where required by law or to comply with an investigation. We never sell your personal information to third parties.
6. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. Mortgage and protection records are typically retained for a minimum of six years after the conclusion of any advice or transaction.
7. Your Rights
Under the UK GDPR and Data Protection Act 2018, you have the following rights: • The right to access your personal data. • The right to rectification of inaccurate or incomplete data. • The right to erasure (the "right to be forgotten"). • The right to restrict or object to processing. • The right to data portability. • The right to withdraw consent at any time, where processing is based on consent. • The right to lodge a complaint with the Information Commissioner's Office (ICO).
8. Cookies
Our website uses cookies to improve your browsing experience and to understand how the site is used. You can control and manage cookies through your browser settings. For more information, please refer to our Cookie Policy.
9. Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. We will post any updated version on this page and revise the "last updated" date accordingly.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: Email: info@simplex-mortgages.co.uk Phone: 020 8175 6677 Address: Unit 4a, Bourne Court, 3 Southend Rd, Woodford, Woodford Green, IG8 8HD