Privacy Policy

Last updated: September 2026

Why should you read this document?

This Privacy Policy explains how Unite FS collects, uses, stores and protects your personal information (“Your Personal Data”) when providing (non regulated mortgage and property finance broking services.) It also explains your rights under UK data protection law.

What do we mean by “Your Personal Data”?

“Your Personal Data” refers to any information that identifies you or relates to your personal circumstances.

This may include:

• Name, address, contact details
• Date of birth and nationality
• Employment and income details
• Business information (for company or SPV lending)
• Bank details, credit commitments and financial history
• Details of existing mortgages or finance arrangements
• Information required to verify your identity

We do not collect or process health data, medical information, criminal conviction data, or any Special Category Data, as Unite FS does not provide regulated insurance or regulated mortgage advice.

The basis upon which we process Your Personal Data

We process Your Personal Data under the following lawful bases:

a) Contract

When you engage Unite FS to source non regulated mortgage or property finance, we must process Your Personal Data to:

• Assess your circumstances
• Identify suitable lenders
• Submit enquiries or applications
• Communicate with lenders on your behalf

b) Legitimate Interests

We may process Your Personal Data where it is necessary for our legitimate business interests and does not override your rights. Examples include:

• Responding to lender queries
• Maintaining records of advice and applications
• Contacting you for service feedback
• Improving our internal processes

c) Legal Obligations

We may process Your Personal Data to comply with legal obligations, including:

• Anti money laundering (AML) checks
• Fraud prevention
• Record keeping requirements under UK law

We do not process Your Personal Data to meet FCA regulatory obligations, as Unite FS provides non regulated mortgage services only.

How we collect Your Personal Data

We collect Your Personal Data from:

• Information you provide during meetings, calls or emails
• Documentation you supply (e.g., ID, bank statements, business accounts)
• Third party sources such as credit reference agencies (with your consent)
• Publicly available sources (e.g., Companies House, electoral roll)

We will always inform you when third party data is used.

How Your Personal Data is used

In the course of providing non regulated mortgage and property finance services, we will:

• Record and store Your Personal Data securely
• Use Your Personal Data to assess your finance requirements
• Share Your Personal Data with lenders and finance providers
• Respond to your queries and keep you updated on applications

We will not use Your Personal Data for marketing unless you have explicitly opted in

Who Your Personal Data is shared with

We may share Your Personal Data with:

• Non regulated mortgage lenders
• Commercial lenders
• Bridging and development finance providers
• Professional service firms where relevant (e.g., solicitors, valuers)

Your Personal Data is shared only to progress your finance enquiry or application.

We do not sell or share Your Personal Data for marketing purpose.

We do not transfer Your Personal Data outside the UK or EEA.

Security and retention of Your Personal Data

We take appropriate technical and organisational measures to protect Your Personal Data from unauthorised access, loss or misuse.

Your Personal Data will be retained for a minimum of six years, or longer where required by law (e.g., AML obligations).

Your rights under UK data protection law

You have the right to:

• Request a copy of Your Personal Data
• Ask us to correct inaccurate information
• Request deletion of Your Personal Data (subject to legal obligations)
• Request restriction of processing
• Object to processing based on legitimate interests
• Request transfer of Your Personal Data to another organisation
• Withdraw consent for marketing at any time

We will respond to all requests within one month.

How to contact us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact:

Unite FS Email: info@unitefs.co.uk Phone: +44 (0)203 411 4743 Address: London, United Kingdom

Complaints

As Unite FS provides non regulated mortgage services, complaints relating to our activities cannot be referred to the Financial Ombudsman Service.

If you are unhappy with how we have handled Your Personal Data, you may contact the UK data protection regulator:

Information Commissioner’s Office (ICO) Website: ico.org.uk/global/contact-us Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Regulatory Status

Unite FS provides non regulated mortgage and property finance broking services. We do not provide regulated residential mortgage advice or regulated insurance advice. Products arranged through Unite FS do not benefit from Financial Conduct Authority protections.