Privacy Policy

Company Name: St. George Commercial Finance Brokers Ltd.
Trading as: St. George Foreign Exchange
Registered Office: 11 Curtis House, 34 Third Avenue, Hove, BN3 2PD
Email: akram@stgeorgecommercial.co.uk

1. Introduction

At St. George Foreign Exchange, we are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal data in accordance with applicable data protection laws including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Information We Collect

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

Identity Data – Full name, date of birth, nationality
Contact Data – Address, email address, phone number
Financial Data – Income details, credit history, bank details
Employment Data – Job title, employer name, employment status
Property Details – Current ownership, mortgage preferences
Technical Data – IP address, browser type, cookies, and browsing behavior when using our website
Verification Data – ID documents, utility bills, or other proof of identity

We only collect information that is necessary for the purposes of providing our mortgage and financial advisory services.

3. How We Use Your Information

We use your data for the following purposes:

To provide you with mortgage or financial product recommendations
To assess your eligibility for specific products
To process applications and liaise with third-party lenders
To conduct anti-money laundering (AML) and fraud checks
To meet regulatory obligations
To communicate with you about services and offers (only with your consent)
To maintain internal records and improve our service quality

4. Lawful Basis for Processing

We process your data under one or more of the following lawful bases:

Consent – You have given us explicit permission
Contract – Processing is necessary to perform a contract with you
Legal Obligation – We are legally required to process the data
Legitimate Interest – To manage our business and provide tailored services

5. Sharing Your Information

We may share your data with:

Mortgage lenders and financial institutions
Credit reference agencies
Identity verification services
Professional advisors (e.g., solicitors, accountants)
Regulatory bodies (e.g., FCA)
Service providers and contractors working on our behalf

We will only share your information when it is lawful and necessary.

6. How We Store and Protect Your Data

Your data is stored securely on our systems and protected using appropriate technical and organizational measures, including encryption, access controls, and firewalls.

We retain your personal information for a minimum of six years from the date of your last transaction, or longer if required for legal, regulatory, or legitimate business purposes.

7. Your Data Rights

You have the following rights under the UK GDPR:

Right to access – Request a copy of your personal data
Right to rectification – Request correction of inaccurate data
Right to erasure – Request deletion of your data in certain cases
Right to restrict processing – Request limits on how your data is used
Right to data portability – Request transfer of your data to another provider
Right to object – Object to processing based on legitimate interests or direct marketing

To exercise any of these rights, please contact our Data Protection Officer at:
📧 akram@stgeorgecommercial.co.uk

8. Cookies

Our website uses cookies to improve your browsing experience and collect analytical data. You may accept or reject non-essential cookies via your browser settings. For more details, please refer to our Cookie Policy [insert link if available].

9. Third-Party Links

Our website may include links to third-party sites. We are not responsible for their privacy practices. Please review their privacy policies before submitting personal data.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website. If significant changes are made, we will notify you via email or prominently on our site.

If you have any questions about this policy or how we handle your personal data, please contact us at:
📧 akram@stgeorgecommercial.co.uk