Privacy Policy

This Privacy Policy explains how Archangel Private Finance Limited ("we", "us", "our") collects, uses, stores and protects your personal data when you use our website at archangelpf.co.uk or contact us in connection with our services.

We are committed to protecting your privacy and handling your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who We Are

Archangel Private Finance is a trading name of Archangel Private Finance Limited, a company registered in England and Wales. We act as a finance introducer only. We are not a lender, we do not provide regulated financial advice, and we are not authorised or regulated by the Financial Conduct Authority.

For the purposes of data protection law, Archangel Private Finance Limited is the data controller responsible for your personal data.

If you have any questions about this policy or wish to exercise your rights, please contact us at: info@archangelpf.co.uk

2. What Personal Data We Collect

We may collect and process the following categories of personal data:

• Identity data: name, job title, company name
• Contact data: email address, telephone number, postal address
• Financial data: information about your finance enquiry, loan requirement, property details and any credit circumstances you choose to disclose
• Technical data: IP address, browser type and version, time zone setting, browser plug-in types, operating system and platform, and other technology on the devices you use to access our website
• Usage data: information about how you use our website, including pages visited, time spent and referring URLs
• Communications data: the content of any messages, emails or enquiries you send to us

We do not collect any special category data (such as racial or ethnic origin, health data or biometric data) and we do not knowingly collect data from individuals under the age of 18.

3. How We Collect Your Data

We collect personal data through the following means:

• Direct contact: when you submit an enquiry form, email us, call us or otherwise communicate with us directly
• Automatic collection: as you interact with our website, we may automatically collect technical and usage data through cookies and similar technologies (see Section 9)
• Third parties: we may receive data from referral sources, introducers or third-party platforms where you have consented to your data being shared

4. How We Use Your Personal Data

We use your personal data for the following purposes and on the following legal bases:

• To respond to your enquiry and provide our introduction service — lawful basis: legitimate interests (processing your enquiry is necessary to provide the service you have requested) and, where applicable, performance of a contract
• To introduce you to suitable lenders or finance providers — lawful basis: legitimate interests (this is the core purpose for which you contacted us)
• To communicate with you about your enquiry or application — lawful basis: legitimate interests and/or performance of a contract
• To comply with legal and regulatory obligations — lawful basis: legal obligation
• To improve our website and services — lawful basis: legitimate interests (we have a legitimate interest in understanding how our website is used and improving the user experience)
• To send you marketing communications about our services — lawful basis: consent (we will only send marketing emails where you have opted in) or legitimate interests where permitted by law

5. Who We Share Your Data With

In the course of providing our introduction service, we may share relevant personal and financial data with:

• Lenders and finance providers — to process your finance enquiry and provide indicative or formal terms
• Solicitors and conveyancers — where required in connection with a transaction
• Valuers and surveyors — where a property valuation is required as part of a lending process
• IT and technology service providers — including our website hosting provider, email service provider and CRM system, who process data on our behalf under data processing agreements
• Professional advisers — including lawyers and accountants, where necessary
• Regulatory and law enforcement bodies — where required by law or court order

We do not sell your personal data to third parties for marketing purposes.

6. How Long We Keep Your Data

We retain personal data for as long as is necessary for the purposes for which it was collected, subject to the following:

• Enquiry data (no transaction completed): 2 years from the date of last contact
• Transaction data (where an introduction led to a completed facility): 6 years from the date of completion, in line with standard commercial limitation periods
• Marketing consent records: until you withdraw consent or we determine the data is no longer required
• Legal and compliance records: as required by applicable law

After the relevant retention period, data is securely deleted or anonymised.

7. Your Rights

Under UK GDPR, you have the following rights in relation to your personal data:

• Right of access: to request a copy of the personal data we hold about you
• Right to rectification: to request correction of inaccurate or incomplete data
• Right to erasure: to request deletion of your data in certain circumstances
• Right to restriction: to request that we limit how we use your data in certain circumstances
• Right to data portability: to receive your data in a structured, machine-readable format where processing is based on consent or contract
• Right to object: to object to processing based on legitimate interests, including for direct marketing
• Right to withdraw consent: where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing

To exercise any of these rights, please contact us at info@archangelpf.co.uk. We will respond within one calendar month.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk if you believe your data has been handled unlawfully.

8. Data Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, destruction or disclosure. These include encrypted communications (HTTPS), access controls and secure data storage.

Where we share data with third parties, we take reasonable steps to ensure they apply appropriate security measures. However, transmission of data over the internet is never completely secure. Any transmission is at your own risk.

9. Cookies

Our website uses cookies and similar technologies to distinguish you from other users and to improve your experience. Cookies are small text files placed on your device when you visit a website.

We use the following types of cookies:

• Strictly necessary cookies: essential for the website to function. These cannot be disabled.
• Analytical/performance cookies: allow us to recognise and count visitors and understand how visitors move around our website. We use this information to improve how the website works.
• Functionality cookies: used to recognise you when you return to our website and to personalise content.

You can set your browser to refuse some or all cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, some parts of this website may become inaccessible or not function properly.

10. International Transfers

We primarily store and process data within the United Kingdom and the European Economic Area. Where data is transferred outside these areas (for example, through the use of certain cloud services), we ensure that appropriate safeguards are in place, such as standard contractual clauses approved by the ICO.

11. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy applies only to archangelpf.co.uk. We are not responsible for the privacy practices of any third-party sites and encourage you to read their privacy policies before providing any personal data.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on this page. We will notify you of material changes where required by law. The date at the top of this page indicates when the policy was last revised.

13. Contact Us

If you have any questions about this Privacy Policy or about how we handle your personal data, please contact us:

Archangel Private Finance Limited
Email: info@archangelpf.co.uk