Who we are

The Network and our AR firm Fresh Finance Group are each data controllers for the purposes of data
protection legislation in their own right.

The AR will be your primary contact for the provision of advice and related application process.
The Network is authorised and regulated by the Financial Conduct Authority (FCA). The Network is
responsible for the quality of the advice that our AR provides to you in relation to your mortgage and/or
insurance products, where those products are regulated by the FCA together with ensuring that our AR
meets all applicable regulatory requirements in the course of providing you with advice.

Being regulated by the FCA means that we are subject to a number of detailed rules and regulations
that operate to ensure that you are treated fairly in your dealings with both us and our AR.

Our website address is: https://freshfinancegroup.com.

Why do we collect your personal information

Everyone’s circumstances are different. We want to provide you with the most appropriate advice in
view of all your circumstances, and to do that we need a full picture of what your circumstances are.
Put simply, if we are unaware of something then we cannot take it into account when advising you, and
our advice may not be appropriate.

Similarly, if you are applying for a product such as a mortgage, we will need to collect personal
information from you to enable us to fill in the application form on your behalf. This information is
necessary to enable us to provide you with the services that we have agreed with you.

In addition to this, we have to fulfil various legal and regulatory requirements, for example we must ask
you to verify your identity with the appropriate documentation in order to comply with regulations
designed to combat financial crime. We are regulated by the Financial Conduct Authority and the
Information Commissioner’s Office, and also have responsibilities to the Financial Ombudsman Service,
the National Crime Agency and other law enforcement agencies such as the police and HM Courts and
Tribunals Service.

In view of the above, if you do not provide the information that we require, we may be unable to provide
you with our services.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

How do we collect your data

Most of the personal information that we hold about you will be information that you provide to us, for
example the information you provide to us about your circumstances to enable us to make a personal
recommendation to you. This will usually be recorded in writing or by way of retained documentation; if
you telephone our offices we may record the call.

There may be occasions when we receive information about you from another customer: for example
where details of a joint account are disclosed. We always ask the person disclosing such information
to ensure that the other person affected has given permission for such information to be disclosed. If
you need to disclose any information about another person, including any child over 13 years old, please
ensure that you obtain that person’s agreement in advance.

Sometimes we will receive information about you from other third parties. This may be because you
have given permission to a lead generator or introducer to pass on your details to us so we can contact
you to offer advice. Alternatively it may be that we need to ask a third party such as your accountant,
employer, bank or tax office to provide missing information or verify information that you have provided
to us.

We will also receive information forwarded from your lender or insurer, usually in relation to your product
or application.

In the event that we receive any sensitive information about you, such as that relating to your ethnic
origin, trade union membership, political or religious beliefs, sexuality or genetic/biometric data, we will
always ask you to agree that we can use and retain that information.

Finally, in the unfortunate event that you are dissatisfied with our service or there is some other dispute
between us, we may receive information about you from a legal representative acting on your behalf,
from the Financial Ombudsman Service or from another individual connected with the matter.

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long do we keep your personal information?

In the event that you use our services to arrange a product, such as a mortgage or an insurance policy,
we will retain your personal information for minimum of six years beyond the time that the product is
expected to expire. Information relating to equity release and pension transfers/conversions/opt out will
be kept indefinitely. This is to ensure that we are able to respond to any complaint, claim or regulatory
enquiry.

If you have opted into receiving promotional material from us, we will retain your details until you opt
out or unsubscribe.

How do you find out what information we hold about you?

You have the right to obtain a copy of the personal data that we hold in relation to you. To view a copy free
of charge, please write to:

Fresh Finance Group, Sutherland Istitute, Lightwood. ST3 4HY

info@personaltouchfs.com

Please ensure that you provide evidence of your identity such as a copy of your passport when writing,
so that we can be sure that the request is from the right person.

How do we use your personal information? Will we share it with anyone else?

We use your personal information to provide you with advice and to communicate with lenders and
insurers on your behalf, in accordance with our agreement with you. We may, with your consent, also
use your information to carry out a credit check, or communicate your consent to the lender or provider
to allow them to do this as part of your application. Fresh Finance Group may use your personal
information to provide you with advice and to communicate with lenders and insurers on your behalf.
In addition to this, where necessary, we may need to use your personal information to fulfil our
contractual obligations to advisers, lenders and insurers. For example, your surname and policy number
will be disclosed on the financial statements produced setting out what commission is payable. We will
always seek to minimise the information shared in this way, and ensure that it is not more widely
distributed than absolutely necessary.

As part of the regulated sector we have particular responsibilities in relation to the prevention and
detection of financial crime. This means that it is possible that your personal information may be used
as part of an investigation designed to identify any wrong-doing or breach of regulation. This may
involve sharing some of it with other regulated financial institutions and law enforcement agencies, but
we will seek to minimise such sharing and will ensure that information is only released to appropriately
authorised individuals who we can trust to keep it confidential.

We appreciate that you may not be expecting your information to be used in this manner, particularly if
you are not involved in any wrong-doing yourself. However, we consider the prevention and detection
of financial crime to be of fundamental importance, both for us and for society as a whole. Please be
assured that all such investigations are carried out by trained staff and are subject to specific procedures
and safeguards to ensure that any inconvenience to innocent parties is minimised.

If you are dissatisfied with the service provided to you and you (or anyone acting on your behalf) make
a complaint or claim about it, we may access your personal information, including any fact find and
suitability letter, in order to respond to that claim. We believe that most customers would expect us to
consider all the relevant documents, and would recognise that we have a legitimate interest in both
ensuring that our customers are properly looked after, and in resisting any unjustified claims.

Information released may include sensitive personal data, but we will ensure this is only processed so
far as is necessary for the establishment, exercise or defence of legal claims, including relevant preaction correspondence.
Similarly, Personal Touch considers it to be a legitimate aim of the business to seek recompense from
any adviser or other financial professional concerned where conduct has fallen below the high
standards we require. Where we seek recompense from an adviser or third party following resolution
of a claim from a former customer, it will be necessary to demonstrate that the customer claim in
question was genuine. In order to do this we may have to disclose some personal information about the
customer concerned, such as a copy of the complaint letter and our response to that complaint.
We will always seek to keep the information shared to the minimum reasonably possible. We would, in
particular, not usually expect the information provided to extend beyond information relevant to the
complaint file. We appreciate that customers may not be happy with their details being disclosed as
part of a dispute in which they are not personally involved, but equally we anticipate that most customers
will have expected this information to have been disclosed to the adviser and perhaps third parties such
as the Financial Ombudsman Service and HM Courts and Tribunals Service as part of the complaint
process itself. We therefore take the view the small possibility of this causing any harm to you is
outweighed by the positive aspects of ensuring that those giving bad advice or acting in breach of
regulations should cover any related losses.

Personal Touch is part of the LSL Property Services Group, the ultimate parent company of which is
LSL Property Services plc. It is in the interest of LSL and Personal Touch to ensure that a high standard
of service and compliance is retained across the group, and therefore we may share your personal data
with other companies within the LSL group for this purpose.

We will always ask for your consent before contacting you for marketing purposes. You will be asked

to complete a form setting out your preferences, and it is important to us that you understand that you
are free to withdraw your consent at any time. This may be done by contacting:

Fresh Finance Group, Sutherland Istitute, Lightwood. ST3 4HY

Where do we store your personal information?

We may store your personal information in paper format in secure cabinets at our office premises. We will
also retain electronic records relating to you in accordance with our data security policies. Our servers are
located in the United Kingdom and we anticipate that your personal information will remain within the United
Kingdom at all times.

Deleting your personal information

You can request us to delete or anonymise all personal information relating to you. This is sometimes
known as the right to be forgotten. Please forward any request to us directly. There may be circumstances where we are unable to delete some or all of your personal information, for
example due to our regulatory and legal obligations. In every case a response will be provided to you. 

Your right to lodge a complaint

You have the right to lodge a complaint with the Information Commissioner’s Office (ICO) if you believe
your personal data has been mishandled. This can be done at: https://ico.org.uk/concerns/ The ICO are
legally obliged to inform you of the progress and outcome of your complaint.

Get in touch with our Data Protection Officer

If you have any queries in relation to how we treat your personal information, wish to update the
information we hold about you or wish to object to our use of your information as set out in this policy,
please feel free to contact us at:

Fresh Finance Group, Sutherland Istitute, Lightwood. ST3 4HY


× why not send us a whatsapp?