Privacy Policy
Last updated: 22 October 2026
1. Who we are
Asghar Finance House Ltd is responsible for deciding how and why personal information is used in connection with our website, enquiries and services. For these activities, we act as a data controller.
Company registration number: 12150666
ICO registration number: ZB614631
Registered office: 61 Tile Kiln Lane, Bexley, DA5 2JE
Office and correspondence address: 18 Miles Close, London, SE28 0NJ
Email: info@asgharfinance.com
Website: www.asgharfinance.com
For privacy questions or to exercise your rights, contact us using the correspondence address or email above, marking your enquiry “Data Protection”.
2. Information we collect
Depending on your enquiry and the services you request, we may collect:
- Identity information: Name, date of birth, nationality and identification documents.
- Contact information: Address, address history, email address and telephone number.
- Financial information: Income, expenditure, employment details, business accounts, bank statements, assets, liabilities and existing borrowing.
- Application information: Mortgage requirements, insurance needs, property details, deposit evidence and source-of-funds information.
- Household information: Relevant information about joint applicants, dependants, beneficiaries and other people involved in your application.
- Communications: Enquiries, correspondence, instructions, advice records and complaints.
- Technical information: IP address, browser information and website activity, depending on the technologies used and your privacy choices.
[Confirm before publication whether calls are recorded. If so, explain the purposes, lawful basis and retention period.]
3. Health and other sensitive information
Where relevant to an insurance application or the support you request, we may need health information or other special category personal information.
We process this information only where necessary, using a lawful basis and an additional legal condition appropriate to that information. These may include explicit consent or an applicable statutory condition for insurance or legal claims.
Where we rely on explicit consent, we will ask for it separately and explain how to withdraw it.
[Confirm the sensitive information actually collected, its purposes and the specific legal conditions relied upon before publication.]
4. How we obtain information
We may receive information:
- Directly from you through forms, meetings, telephone calls and correspondence.
- From joint applicants or representatives acting with appropriate authority.
- From lenders, insurers, solicitors, accountants and other professionals involved in your case.
- From introducers who appropriately refer your details to us.
- From identity verification, credit reference and fraud prevention providers, where relevant.
- From public sources, such as Companies House.
Where we obtain information indirectly, we provide the required privacy information within applicable legal timescales, unless an exemption applies.
5. Why we use information and our lawful bases
We use personal information for the following purposes:
| Purpose | Lawful basis |
|---|---|
| Responding to your request for services and assessing your requirements | Taking steps at your request before entering a contract |
| Providing agreed advice, arranging applications and administering our services | Performance of our contract with you |
| Carrying out legally required checks and retaining required records | Compliance with legal obligations |
| Meeting regulatory reporting and complaint-handling requirements | Compliance with legal obligations |
| Maintaining secure systems and preventing misuse | Legitimate interests, where these are not overridden by your rights |
| Establishing, exercising or defending legal claims | Legitimate interests, together with any additional legal condition required |
| Sending optional marketing where consent is required | Your consent |
Our legitimate interests include protecting clients and our business, maintaining secure systems and managing disputes fairly.
Where we rely on consent, you may withdraw it at any time. Withdrawal does not affect processing lawfully carried out before withdrawal.
6. Sharing your information
Where necessary for your enquiry, application or service, we may share relevant information with:
- Mortgage lenders and finance providers.
- Insurers, insurance intermediaries and underwriting providers.
- Solicitors, conveyancers, valuers and surveyors.
- Mortgage clubs and packaging providers involved in your case.
- Identity verification, credit reference and fraud prevention providers.
- Providers supporting our website, email, client records, document storage and IT systems.
- Professional advisers, auditors and compliance support providers.
- Regulators, law enforcement agencies and public authorities where required or lawfully permitted.
We limit sharing to information relevant to the purpose.
Some recipients act as independent data controllers and provide their own privacy notices. Others process information on our behalf under contractual instructions.
[Confirm the recipient categories actually used. Identify relevant application portals, credit reference agencies and fraud prevention providers, and provide links to their notices where appropriate.]
7. Credit, identity and fraud checks
A lender or another provider may conduct credit, identity or fraud prevention checks during an application.
Where we initiate checks, we will provide relevant information about the agencies involved and explain, where applicable, whether the search leaves a record visible to other lenders.
Providers’ own privacy notices explain how they use information and the consequences of their checks.
8. Information about other people
If you provide information about a joint applicant, gift donor or another person, please make them aware that you are sharing their information and direct them to this policy.
We obtain information, authority or consent directly from that person where required.
9. International transfers
[Confirm this section against your actual providers and overseas access arrangements before publication.]
Where personal information is transferred outside the UK and UK international transfer rules apply, we use an appropriate lawful transfer mechanism.
This may include UK adequacy regulations or approved contractual safeguards, together with any required assessment.
Contact us for information about relevant destinations and safeguards, including how to obtain a copy of applicable safeguards, subject to necessary redactions.
[Insert the relevant overseas destinations or provider arrangements and safeguards. If no overseas transfers or access occur, replace this section with an accurate statement.]
10. Retention of information
We retain personal information only for as long as necessary for its purpose, including applicable legal, regulatory, complaint-handling and record-keeping requirements.
[Insert confirmed retention periods or clear retention criteria for each category before publication: enquiries that do not proceed; mortgage and finance records; insurance records; identity and anti-money laundering records; complaints; marketing preferences; and website technical records. Specify when each period starts.]
Information may need to be retained for longer where necessary for an ongoing complaint, investigation or legal claim.
When retention is no longer necessary, information is securely deleted or anonymised.
11. Information security
We use appropriate technical and organisational measures designed to protect personal information from unauthorised access, loss, alteration or disclosure.
Access is restricted to people and providers who need the information for their work.
No internet transmission is completely secure. Please contact us to arrange an appropriate method for sending sensitive documents.
12. Your data protection rights
Depending on the circumstances, you may have the right to:
- Access your personal information.
- Have inaccurate information corrected.
- Request deletion.
- Restrict processing.
- Receive certain information in a portable format.
- Object to processing based on legitimate interests.
- Withdraw consent where processing relies on it.
- Receive applicable safeguards concerning significant decisions made solely by automated processing.
These rights are subject to legal conditions and exemptions. For example, we may need to retain information to meet legal obligations or handle legal claims.
To make a request, email info@asgharfinance.com. We may need to verify your identity. We normally respond within one month, subject to any lawful extension or adjustment.
Your right to object to direct marketing
You can object to the use of your personal information for direct marketing at any time.
Use the unsubscribe option in a marketing message or email us. We may retain limited information on a suppression list to ensure we respect your preference.
13. Marketing
We send electronic marketing only where permitted by applicable law and obtain consent where required.
Submitting an enquiry does not automatically mean you consent to marketing.
[Confirm the marketing channels actually used and the applicable consent or other permitted arrangements before publication. If no marketing is undertaken, state this instead.]
14. Cookies and similar technologies
Cookies and similar technologies may collect or store information when you use our website.
Our cookie information explains which technologies are used, their purposes, providers and durations, and how to manage your choices.
Where consent is required, the relevant technologies are activated only after consent has been given.
[Complete a website cookie audit before publication. Insert a link to the resulting Cookie Policy and explain how visitors can reopen cookie settings or withdraw consent.]
15. Automated decisions and profiling
[Confirm whether Asghar Finance House Ltd uses automated decision-making or profiling before publication. If applicable, explain the processing, its significance, likely consequences and relevant safeguards.]
Lenders and insurers may use their own automated assessment systems. Their privacy notices explain those activities and any applicable rights.
16. Information needed to provide services
Some information is necessary to provide the service you request or meet legal requirements.
If you do not provide required information, we may be unable to advise you, submit an application or continue providing the service. We will explain this when relevant.
17. Privacy complaints
If you have concerns about how we handle personal information, please contact:
Data Protection Contact
Asghar Finance House Ltd
18 Miles Close
London
SE28 0NJ
Email: info@asgharfinance.com
You also have the right to complain to the Information Commissioner’s Office:
You do not have to complete our complaints process before contacting the ICO.
18. Changes to this policy
We review this policy periodically and update it when our practices or legal requirements change.
The latest version will appear on this page. Where required, we will bring significant changes to your attention.