Who we are
PSG Financial Consultants provide mortgage and insurance advice.
When we mention “PSG”, “we”, “us” or “our” we are referring to PSG Financial Consultants.
In the provision of our services, we collect, use and are responsible for certain personal data about you. When we do so we are required to comply with Data Protection regulation, and we are responsible as a Data Controller of that personal data, for the purposes of those laws.
PSG Financial Consultants is a company registered in England and Wales (company number 11536606) whose registered office is at Unit 7, Hill Farm, Kirby Road, Kirby Bedon, NR14 7DU. PSG Financial Consultants is authorised and regulated by the Financial Conduct Authority (Financial Services Register number is 824396).
What information do we collect about you?
We collect information about you when you engage with us for mortgage and/ or insurance advice. This information will relate to your personal and financial circumstances. It may also include information about your family, such as dependents or beneficiaries, or special categories of personal data, such as data about your health, if this is necessary for the provision of our services.
Information about connected individuals.
As referred to above, we may need to gather personal information about your close family members and dependents in order to provide our services to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We will provide a copy of this Data Privacy Notice for them, or where appropriate, ask you to pass the privacy information to them.
Special Category Data
As referred to above, Certain types of personal data are considered more sensitive and so are subject to additional levels of protection under Data Protection legislation. These are known as ‘special categories of data’ and include, but are not limited to, data concerning your health, racial or ethnic origin, genetic data and sexual orientation. Data relating to criminal convictions or offences is also subject to additional levels of protection
Information collected from other sources
We may also obtain personal data from other sources in the course of providing our intermediary services. For example, your name and contact details may have been passed to us by your Estate Agent. Where we obtain this information from another party it is their responsibility to make sure they explain that they will be sharing personal data with us and, where necessary, ask permission before sharing information with us.
We may also collect information when you voluntarily complete client surveys or provide feedback to us.
Why do we need to collect and use your personal data?
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we would also be unable to fulfil our legal and regulatory obligations. Where Special Category data is required, we’ll obtain your explicit consent in order to collect and process this information.
How will we use the information about you?
We collect information about you in order to provide you with the services for which you engage with us.
Who we might share your information with?
If you agree, we may contact you about other products or services that we think may be of interest to you.
We won’t share your information for marketing purposes, with companies outside of PSG Financial Consultants.
In order to deliver our services to you effectively, we may send your details to third parties such as those that we engage with for professional compliance, accountancy or legal services, as well as product and platform providers that we use to arrange financial products for you.
Where third parties are involved in processing your data, we will have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.
Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit.
To fulfil our obligations in respect of the prevention of money-laundering, financial crime and other unlawful acts, we may send your details to third party agencies.
Whether information has to be provided by you, and if so why
We will tell you if providing some personal data is optional, including if we ask for your consent to process it. In all other cases you must provide your personal data in order for us to provide you with intermediary services.
How long do we keep hold of your information?
During the course of our relationship with you, we will retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.
We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally:
- Three years for mortgage business
- Three years for insurance business
These are minimum periods, during which we have a legal obligation to retain your records.
Your personal data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have a legal right to such information we will retain records indefinitely.
You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
How can I access the information you hold about me?
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some, or all of your personal information, please email or write to us using the contact details noted below.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
For full details of you rights under the UKs Data Protection legislation, including the UK General Data Protection Regulation (GDPR) regulation, please visit www.gov.uk/data-protection.
Marketing
We may use personal data we hold about you to help us identify, tailor and provide you with details of products and services from us that may be of interest to you. We will only do so where we have obtained your consent and/ or have a legitimate business reason to do this and will do so in accordance with any marketing preferences you have provided to us.
In addition, where you provided your consent, we may provide you with details of products and services of third parties where they may be of interest to you.
You can opt out of receiving marketing at any time. If you wish to amend your marketing preferences, please contact us by any method using the details below.
Keeping your personal data secure
We have appropriate security measures in place to prevent personal data from being accidentally lost, used or accessed in an unauthorised way. We limit access to your personal data to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
Individuals Rights
The GDPR sets out the following rights for individuals:
- The right to be informed.
- The right of access.
- The right to rectification.
- The right to erasure.
- The right to data portability.
- The right to object.
Full details of these rights can be found on the ICO website, ico.org.uk, or by following the link below:
The rights of individuals | ICO
What can you do if you are unhappy with how your personal data is processed?
You have the right to lodge a complaint with the supervisory authority for data protection. In the UK this is the Information commissioner’s Office (ICO):
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
0303 123 1113 (local rate)
Changes to our privacy policy
We keep our Data Privacy Notice under regular review. This privacy policy was last updated on 30/01/2025.
Other websites
Our website may contain links to other websites. This privacy policy only applies to our website, so when you link to other websites you should read their own privacy policies.
How to contact us
Please contact us if you have any questions about our Data Privacy Notice, or information we hold about you:
By email, to info@psgfinancialconsultants.uk
Or by writing to us at Units 7, Hill Farm, Kirby Lane, Kirby Bedon, NR14 7DU.
Or by calling us on 01508 50 55 55.
Your consent
We have provided you with a copy of our Data Privacy Notice which provides information about the nature of our personal data processing activities and includes details of our retention and deletion policies, as well as your rights of access to the personal information that we hold on you.
Sensitive/ Special Category personal data
As explained above, there are certain categories of personal data that are more sensitive by nature. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health. In the case where we need to process special category (sensitive) data as described above, we require your consent.
Your acceptance of these Privacy Notice terms
By using our web site you unconditionally consent to the processing of Sensitive/Sspecial Category personal data as far as it is necessary for the services I / we require from PSG Financial Consultants Ltd.
Please note that you may withdraw this consent at any time by notifying us in writing at our main business address, by email to info@psgfinancialconsultants.uk or by calling us on 01508 50 55 55.