Lawes Financial

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Privacy Notice

This privacy notice sets out how our firm, Lawes Financial Limited, deals with your personal data. Lawes Financial Limited is an Authorised Representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) (304904). Lawes Financial Limited is the controller of the information that you provide to us and is responsible for protecting your data.

You should contact us if you have any concerns about the personal information that you have provided or if you need further help about it.

Our contact details are:

By post: 12 Old Bond Street, Mayfair, London W1S 4PW

By telephone: 0207 788 7872

By email: info@lawesfinancial.com

HOW WE USE YOUR PERSONAL INFORMATION

The personal information that you provide us with may be used for a number of different purposes:

Providing Financial Advice and Services

We process your personal information to assess your eligibility for mortgages and/or other products available from lenders and product providers, and to make applications on your behalf. This processing is necessary for:

  • Entering into a contract: You have asked us to take specific steps to arrange financial products before entering into a contract with a lender or provider
  • Our legitimate interests: To provide you with appropriate financial advice and to maintain our business operations


Making Applications and Automated Decision Making

When we submit applications to lenders or product providers on your behalf, some lenders may use automated decision-making processes (such as credit scoring) to assess your application. We will inform you when this applies to your specific application.


Legal and Regulatory Compliance

We process your information because we have a legal obligation to do so for:

  • Fraud prevention and anti-money laundering checks 
  • Audit, compliance and regulatory purposes
  • Maintaining records as required by the Financial Conduct Authority


Ongoing Service and Support

We process your information based on our legitimate interests to:

  • Deal with any queries or concerns you may have after we have provided our service to you and until any such product has ended
  • Maintain a business register of our clients for professional standards and business continuity


Marketing Communications (With Your Consent)

With your explicit consent only, we may contact you:

  • At the end of any preferential rate period on your mortgage to discuss remortgage options
  • To discuss insurance or protection products in relation to your mortgage
  • To provide information about other relevant financial services we offer

You can opt in or out of marketing communications at any time, and this will not affect the service we provide to you.

WHO WE MAY SHARE YOUR INFORMATION WITH

We will keep your information confidential at all times and will only share that information in certain circumstances as set out below.

We may share your information with third-party providers of product data (sourcing systems or portals) to research and identify products that meet your stated requirements and eligibility.

We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies. If you apply for a loan, we will pass your details to the lender and may also pass your information to a third-party processor (a packager) who will gather information on behalf of the lender.

If you apply for insurance, we may pass your details to the insurer directly or via a third-party processor (a portal or another insurance intermediary). We may also share your information with solicitors as part of the mortgage process.

We may share your personal information with third-party processors to verify the integrity of documentation provided, to comply with anti-money laundering and anti-fraud requirements.

We will also share your personal information with our regulator (the Financial Conduct Authority) and third-party providers of compliance services as part of our regulatory obligations.


International Transfers

We primarily work with service providers based in the United Kingdom. Where we need to transfer your personal data outside the UK, we will only do so where appropriate safeguards are in place, such as:

  • The recipient country has been deemed to provide adequate protection for personal data.
  • We have entered into standard contractual clauses approved by the UK authorities
  • Other legally approved transfer mechanisms are in place

We will inform you if your data will be transferred internationally and provide details of the safeguards in place.

HOW LONG WE WILL KEEP YOUR PERSONAL DATA

We will retain records relating to assessing your eligibility for products for a minimum period of three years from the date advice is given, or the product sold, and up to seven years to comply with regulatory requirements.

We will retain records for making applications to lenders or product providers for a minimum period of seven years, and not exceeding the date on which any product sold would be expected to have come to an end, plus one year.

We will keep records for fraud prevention, audit, compliance, and regulatory purposes for a minimum of seven years and will review these records every ten years to determine whether continued retention is necessary. Records kept for statistical analysis will be anonymised where possible.

THE RIGHTS THAT YOU HAVE REGARDING YOUR PERSONAL DATA

Under UK data protection law, you have the following rights:

  • The right to be informed about how we hold and deal with your personal information
  • The right of access to all personal data we hold about you
  • The right to rectification of any incorrect or incomplete information
  • The right to erasure where applicable (though this may be limited by our regulatory obligations)
  • The right to restrict processing in certain circumstances
  • The right to data portability to another party
  • The right to object to processing based on legitimate interests or for direct marketing purposes
  • Rights related to automated decision-making, including the right to human intervention

To exercise any of these rights, please contact us using the details at the top of this notice. We will respond to your request within one month.

YOUR RIGHT TO OBJECT AND WITHDRAW CONSENT

You have the right to object to our processing of your personal data at any time where we rely on legitimate interests as our lawful basis for processing.

Where you have given consent for us to process your information for marketing purposes, you have the righty to withdraw this consent at any time by contacting us.

Withdrawing marketing consent will not affect our ability to provide you with advice and services.

If you withdraw consent or object to processing that is necessary for us to provide our services, we may be unable to complete any service or transaction on your behalf.

YOUR RIGHT TO COMPLAIN

If you are dissatisfied with the way that we have handled your personal information, you are entitled to complain to us in the first instance using the contact details above.

You also have the right to lodge a complaint with the Information Commissioner’s Office:

Information Commissioner’s Office

Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Tel: 0303 123 1113

Website: www.ico.org.uk

ACKNOWLEDGEMENT AND MARKETING PREFERENCES

By proceeding with our services, you acknowledge that you have read and understood this privacy notice.

You can change your marketing preferences at any time by:

Telephone: 0207 788 7872

Email: info@lawesfinancial.com

Post: 12 Old Bond Street, Mayfair, London W1S 4PW

Important Notice: You have the right to object to our processing at any time on the basis of direct

marketing or any of our legitimate interests set out above. You may do this by telephone, email, or in writing to our contact details given in this document.

Document Version: 2.0

Document Version: 2.0

Last Updated: November 2025