Privacy Policy

How We Handle Your Personal Data and Protect Your Privacy

At KJ Mortgage Specialists, safeguarding your personal data is our priority. This policy outlines how we collect, use, and protect your information in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Who Will Process My Data?

KJ Mortgage Specialists is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). Both KJ Mortgage Specialists and HL Partnership Limited will process your data to provide our services.

What Data Will You Ask Me For?

To provide tailored mortgage and protection advice, we need to collect personal details, including but not limited to:

  • Your name, contact details, and address

  • Financial details (income, expenditure, debts, and credit commitments)

  • Employment and business details (if self-employed)

  • Health information (where relevant for insurance applications)

  • Legal or credit history (if applicable)

Some of this information may need to be shared with lenders, insurers, and service providers as part of your application process.

Do I Have to Provide My Personal Data?

To offer you accurate advice and recommendations, we require complete and truthful information. If you choose not to disclose certain details, it may limit the service we can provide.

How Will You Use My Data?

We use your data to:

  1. Deliver the services you request, including:

    • Assessing and providing mortgage and protection advice

    • Introducing you to lenders, insurers, and other service providers

    • Managing and processing your applications

    • Notifying you of changes to your products or services

    • Sending relevant product and service updates (unless opted out)

  2. Meet our legal and regulatory obligations, including:

    • Complying with FCA regulations and other legal requirements

    • Preventing financial crime, fraud, and money laundering (data may be shared with law enforcement where necessary)

  3. Legitimate business interests, such as:

    • Analysing market trends to improve our services

    • Ensuring quality and compliance in our advisory process

    • Retaining records for legal and regulatory purposes

HL Partnership Limited may also monitor our work to ensure we meet FCA standards.

How Long Will You Store My Data?

We will retain your personal data for as long as necessary to comply with FCA regulations and legal obligations. In most cases, this means storing your data indefinitely as evidence of the advice and services provided.

Your Rights

Under UK GDPR, you have the right to:

  • Access the personal data we hold about you

  • Correct or update inaccurate or incomplete data

  • Request erasure (in some cases, we may be required to retain data for legal or regulatory reasons)

  • Restrict processing or object to certain uses of your data

Who is the Data Controller?

Who is responsible for processing my data?

KJ Mortgage Specialists and HL Partnership Limited are responsible for processing your personal data. As an appointed representative of HL Partnership Limited, we work within their regulatory framework to ensure compliance with data protection laws.

What is the contact information for the Data Controllers?

  • KJ Mortgage Specialists – Kashif Javaid

    • Address: 18 Grange Road, Hedge End, Southampton, SO302FB, Hampshire

    • Telephone: 07841775343

    • Email: kashif@kjmortgagespecialists.co.uk

    • Data Controller Registration: Z8588911

  • HL Partnership Limited

    • Address: 6 Merus Court, Meridian Business Park, Leicester, LE19 1RJ

    • Telephone: 03300 552651

    • Email: compliance@hlpartnership.co.uk

    • Data Controller Registration: Z8588911

If you need more information about how we handle your personal data, feel free to get in touch with us or HL Partnership Limited.

How to Make a Request

To exercise any of these rights, please contact our Data Protection Officer in writing:

Data Protection Officer
KJ Mortgage Specialists
18 Grange Road, Hedge end, Southampton SO302FB
Email: kashif@kjmortgagespecialists.co.uk
Phone: 07841775343

We aim to respond to requests within one calendar month and may need to verify your identity before providing data.

Changes to This Privacy Policy

We may update this policy from time to time. The latest version will always be available on our website.

If you have any concerns about how we handle your data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO) via www.ico.org.uk.

KJ Mortgage Specialists is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

How Can I Get More Information?

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

The Data Protection Officer,
HL Partnership Limited,
6 Merus Court, Meridian Business Park, Leicester, LE19 1RJ

Email: compliance@hlpartnership.co.uk

If You’d Like to Make a Complaint About How We Have Handled Your Personal Data

In the first instance, please write to The Data Protection Officer at the above address.

If you are not satisfied with the response, you can escalate your complaint to:

Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Email via their website: https://ico.org.uk/concerns/

Important Notes on Protecting Your Own Data

Please be aware of cybercrime and take steps to protect your personal and financial information online.

  • Avoid sending unsecured personal information over the internet. We recommend using encryption software or secure online tools when sharing sensitive data.

  • Do not respond to unsolicited emails requesting payments. Never make a payment purely in response to an email. Always verify payment requests by calling the company using an independently sourced phone number.

  • If you receive a phone call requesting payment, ensure you verify its authenticity before proceeding. If in doubt, call the company back using a verified contact number.

Neither KJ Mortgage Specialists nor HL Partnership Limited will take responsibility if you transfer money to a fraudster in error. Always remain vigilant against potential scams.