Privacy Policy
Last updated: [DATE TO BE CONFIRMED]
Who We Are
This website is operated by Global Financing Services Limited (company number 12763992), trading as Premier Expat Mortgages. Our registered office is at Railway Tavern, Irlam Road, Urmston, Manchester, Lancashire, M41 6NA, with an operational office at 5 Queen’s Road Central, Central, Hong Kong, SAR, and a further office in Kuala Lumpur.
We act as the data controller for the personal information we collect through this website and in the course of providing our services.
Our ICO Registration
We are registered with the Information Commissioner’s Office (ICO) as a data controller under registration reference ZB623948.
What Personal Data We Collect
Depending on how you interact with us, we may collect:
- Contact details – name, email address, phone number, and postal or overseas address
- Identity documents – passport, national ID, and proof of address
- Financial information – income, employment details, bank statements, credit history, and existing financial commitments
- Property details – information about the property you are buying, refinancing, or letting
- Sensitive personal data – in limited circumstances directly relevant to the services you’ve asked us to provide, such as health information relevant to an insurance application. We will always discuss this with you before requesting it, and your provision of this information is treated as your consent to us processing it
- Technical data – IP address, browser type, and how you use our website, collected via cookies (see our Cookie Policy)
- Communications – records of calls, emails, and messages between us
How We Collect Your Data
We collect information directly from you when you contact us, complete an enquiry form, or provide documentation during a mortgage or finance application. We may also receive information from lenders, credit reference agencies, and other parties involved in your application, where relevant to processing it.
How We Use Your Data
We use your personal data to:
- Assess your circumstances and identify suitable mortgage or finance products
- Submit and progress applications with lenders on your behalf
- Meet our legal and regulatory obligations, including anti-money laundering checks
- Contact you with updates relevant to services you’ve asked us to provide, such as when a fixed or discounted rate period on a mortgage we’ve arranged is due to end
- Improve our website and services
Our Legal Basis for Processing
We process your personal data on the basis of: performance of a contract (where we are arranging finance or insurance on your behalf), compliance with a legal obligation (such as anti-money laundering requirements), our legitimate interests (for example, contacting you about a new product if we were previously unable to arrange finance or insurance you needed), and, where applicable, your explicit consent.
Marketing
The information we collect about you is used solely for the purposes for which it was provided. We will only send you marketing communications where you have given informed consent, or where we consider this covered by our legitimate interests as described above. We will never share your data with other companies for their own marketing purposes.
Who We Share Your Data With
To arrange mortgage, finance, or insurance products on your behalf, we may share relevant personal data with:
- Lenders, insurers, and their underwriters, to assess and process your application
- Credit reference agencies, to verify your identity and assess creditworthiness
- Solicitors, valuers, and other professionals involved in your transaction
- Regulatory bodies, where required by law
- Trusted service providers who support our operations, including secure file sharing, data backup, and client management systems, all of whom are only permitted to process your data in line with our instructions
We seek to minimise the personal data shared in every case, and will not share your information beyond what’s necessary to provide our services or where legally required to do so.
International Data Transfers
As we operate internationally, with offices in Hong Kong and Kuala Lumpur, personal data may be processed outside the UK. Where this occurs, we take appropriate steps to ensure your data continues to be protected in line with UK data protection law, including the use of appropriate safeguards where required.
How Long We Keep Your Data
We retain personal data for as long as necessary to provide our services, meet our legal and regulatory obligations (including record-keeping requirements under FCA rules and anti-money laundering regulations), and resolve any disputes. Retention periods vary depending on the type of data and the purpose for which it was collected.
Your Rights
Under UK data protection law, you have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your data, in certain circumstances, including data held by any processor we’ve shared it with
- Object to or restrict certain processing
- Request that your data be transferred to another organisation, where technically feasible
- Withdraw consent at any time, where processing is based on consent
It is entirely your choice whether to provide us with personal information. If you choose not to, we may simply be unable to assist you with the service requested. To exercise any of these rights, please contact us using the details below, in writing, by telephone, or by email.
Cookies
Our website uses cookies to improve your browsing experience and understand how visitors use our site. Full details of the specific cookies we use are set out in our Cookie Policy. You can control or disable cookies through your browser settings.
Keeping Your Data Secure
We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or misuse. Data submitted through our website is protected using SSL encryption during transmission.
Making a Complaint
If you have concerns about how we handle your personal data, please contact us in the first instance using the details below. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk or by calling 0303 123 1113.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.
Contact Us
For any queries about this Privacy Policy or how we handle your personal data, please contact:
Gerard Ward
5 Queen’s Road Central, Central, Hong Kong, SAR
+60 11 2684 0540
This page has been drafted with real details from our prior privacy notice combined with updated content. It should be reviewed by a solicitor or compliance adviser before being finalised.
