Privacy Policy

Privacy Policy for Carbon FC (Oxford) Ltd

Effective Date: [December 5th, 2024]

Carbon FC (Oxford) Ltd (“we,” “our,” “us”) is committed to safeguarding your personal information. This privacy notice outlines how we collect, use, share, and protect your personal information, as well as your rights regarding that information. Carbon FC (Oxford) Ltd is a mortgage and insurance intermediary firm. As part of our regulatory obligations under the Financial Conduct Authority (FCA), we are Appointed Representatives of Mortgage Intelligence Limited and may be required to share your details with them. Their privacy notice is available at www.experiencemi.co.uk.

Our head office is located at:

Twining House,
294 Banbury Road,
Oxford, OX2 7ED

1. Information We Collect

We collect and process various types of personal information, including, but not limited to:

  • Personal Identification: Name, previous names, date of birth, gender, marital status, nationality, and photographic ID.

  • Contact Information: Address, previous addresses, phone numbers, and email addresses.

  • Financial Information: Bank details, NI number, payslips, credit card details, mortgage and loan details, proof of deposit, and personal expenditure.

  • Employment and Professional Information: Employer's name, address, phone number, salary, accountant details, and previous employment history.

  • Family and Dependents: Number of dependents, their names and dates of birth, and spouse/partner information.

  • Health and Criminal Records: Health details, ethnicity, and criminal offences/convictions (where required).

  • Other: Solicitor details, estate agent details, new property details, and insurance information.

2. How We Collect Your Information

We collect personal information directly from you or from trusted third parties, such as:

  • Directly From You: Through forms, telephone conversations, emails, or our website.

  • Third Parties: Family members, employers, financial institutions, insurance companies, doctors, credit agencies, law firms, and government registers.

  • Automated Technologies: Cookies, web beacons, and analytics tools collect data such as IP addresses, browser type, and interactions with our website or advertisements.

You may also provide information by engaging with us through:

  • Responding to marketing communications

  • Signing up for products or services

  • Social media interactions

  • Participation in promotions

3. Why We Collect Your Information

We collect and process personal information to:

  • Fulfil our regulatory obligations and assess the suitability of advice.

  • Communicate with lenders, insurers, and other providers.

  • Provide mortgage, insurance, and related financial products and services.

  • Conduct fraud prevention, risk management, and due diligence.

  • Process payments and transactions, including credit checks and dispute resolution.

  • Improve our products, services, websites, and marketing effectiveness.

  • Comply with legal and regulatory requirements.

4. Lawful Basis for Processing

We process your data under the following legal bases:

  • Performance of a Contract: To provide products or services you have requested.

  • Legitimate Interests: Fraud prevention, compliance, direct marketing, profiling, and web analytics.

  • Public Interest: Processing required by regulatory obligations.

  • Consent: Where explicit consent is required, we will seek your permission before processing your data.

5. Sharing Your Information

We may share your information with:

  • Financial institutions, insurers, and mortgage providers.

  • Credit agencies, HMRC, the FCA, and other regulatory bodies.

  • Service providers such as hosting platforms, IT infrastructure providers, and analytics firms.

  • Mortgage Intelligence Ltd, our network principal.

  • Legal advisors, auditors, and law enforcement (where legally required).

We ensure all third-party partners adhere to strict privacy and security standards.

6. Retention of Information

We retain your personal information only as long as necessary to fulfil the purposes outlined in this notice or as required by law. Typically, this is for 7 years after our last interaction with you, though some information may be retained longer for legal or regulatory purposes.

7. International Data Transfers

Your data may be transferred to third parties or service providers in other countries. We take steps to ensure these transfers comply with applicable data protection laws.

8. Your Rights

You have the right to:

  • Access: Request a copy of the personal information we hold about you.

  • Correction: Request correction of any inaccuracies in your data.

  • Erasure: Request deletion of your data (subject to legal and regulatory obligations).

  • Object: Object to specific types of data processing, such as direct marketing.

  • Withdraw Consent: Withdraw your consent at any time (if processing is based on consent).

  • Data Portability: Request transfer of your personal data to another organisation.

To exercise your rights, contact us via the details below.

9. How We Protect Your Data

We use robust administrative, technical, and physical safeguards to secure your information against loss, unauthorised access, alteration, or disclosure. This includes SSL encryption for online data transfer and secure storage systems.

10. Cookies and Automated Processing

We use cookies to enhance user experience and improve website functionality. You can manage cookie preferences via your browser settings. Note that disabling cookies may limit website features.

11. Updates to This Privacy Policy

We may update this policy from time to time. Please review it periodically to stay informed of how we protect your information.

12. Contact Us

For questions, concerns, or to exercise your rights, please contact us at:
Email: info@carbonfcoxford.com
Address: Twining House, 294 Banbury Road, Oxford, OX2 7ED

We will respond to all queries and complaints within a reasonable time frame and in accordance with applicable laws.

Let’s find the right mortgage for you.