Client Privacy Notice
Check Financial Limited. Registered Office: 12 Metro Centre, Dwight Road, Watford WD18 9SS.
Capital Protect Limited. Registered Office: Capital House, Pride Place, Derby DE24 8QR. Registered in England Number: 3368205.
Mortgage Advice Bureau (Holdings) plc. Registered Office: Capital House, Pride Place, Derby DE24 8QR. Registered in England Number: 04131569.
Check Financial Limited is an Appointed Representative of Capital Protect Ltd, which is authorised and regulated by the Financial Conduct Authority. Capital Protect Ltd is part of Mortgage Advice Bureau (Holdings) plc.
Both Capital Protect and Check Financial are known together in this document as "we" and "us" as joint controllers of your data. Capital Protect and Check Financial comply with Data Protection laws in the United Kingdom. This Privacy Policy details how we process your personal data.
The Personal Data We Collect About You
Personal data collected, used, stored and transferred by us may include:
- Identity Data including forenames, last name, maiden name, date of birth, gender, marital status, and username or similar identifier.
- Contact Data including home address, email address and telephone numbers.
- Financial Data including bank statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets.
- Special Category Data specifically medical history.
- Transaction Data including payments made for products and services you have purchased from us.
- Technical Data including internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices used to access the Check Financial or Mortgage Advice Bureau websites.
- Profile and Usage Data including purchases made by you, feedback and survey responses, and how you use our website, products and services.
- Marketing and Communications Data including your preferences in receiving marketing from us and our business partners and your communication preferences.
How Do We Collect Your Personal Data?
Personal data is collected by us using the following methods:
- Direct interactions with an adviser in person, by post, phone (including call recordings and voicemail), email, videoconferencing, chatbots or otherwise when sourcing and applying for protection products, processing Identity, Contact and Financial categories of personal data.
- Automated technologies or technical interactions with our website, web enquiry form, processing Identity, Contact, Financial and Technical categories of personal data.
- Third parties or publicly available sources (processing Identity, Contact and Financial categories of personal data) such as:
- Third-party firms and advisers with whom you may be interacting, but only with your consent;
- Enquiries you may perform on third-party protection product sourcing websites.
How Do We Use Your Personal Data?
We use your personal data in the following circumstances and relying on the following lawful basis for processing:
| Purpose/Activity | Type(s) of data | Lawful basis for processing |
|---|---|---|
| To initially engage with you to discuss your requirements | Identity, Contact, Financial | Consent |
| To source products, provide indicative quotes, and process & deliver your application for a protection product | Identity, Contact, Financial, Transaction, Marketing & Comms, Special Category | Performance of a contract with you to provide advice services. Special Category data: Explicit Consent (Medical information for protection policies and PMI policies and later life mortgage products). |
| To manage our client relationship with you, including reviewing your protection needs | Identity, Contact, Profile & Usage, Marketing & Comms | Necessary for our legitimate interests (as joint data controller with Mortgage Advice Bureau, to re-engage with you to review your existing mortgage and protection needs and maintain and improve customer service standards). |
| To perform customer service and satisfaction surveys for recently completed transactions | Identity, Contact | Consent |
| To comply with FCA rules including record keeping, consumer duty, vulnerable customers, and to meet Anti Money Laundering legislation including identity verification, and notifying you about changes to our terms or privacy policy | Identity, Contact, Financial, Transaction, Special Category | To comply with a legal obligation. Special Category data: Substantial Public Interest (Statutory and Government Purposes) supported by Vulnerable Customer policy. |
| To respond to case enquiries and input to and defend against complaints | Identity, Contact, Profile & Usage, Transaction, Marketing & Comms, Special Category | Necessary for our legitimate interests (to ensure that complaints can be responded to accurately). Special Category data: Legal Claims and Judicial Acts. |
| To record appointments to perform checks on the quality of advice our advisers provide to clients | Identity, Contact, Special Category | Consent. Special Category data: Explicit Consent. |
| To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) | Identity, Contact, Technical | Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise). |
| To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you | Identity, Contact, Profile & Usage, Marketing & Comms, Technical | Necessary for our legitimate interests (to study how customers use our products and services, to develop them, to grow our business and to inform our marketing strategy). |
| To use cookies, data analytics and other systems to improve our website, products and services, marketing, customer relationships and experiences | Identity, Technical, Profile & Usage | Consent |
| To generate reports on business activity for the purposes of performance and capacity planning | Identity, Contact, Financial, Transaction | Necessary for our legitimate interests (to administer and protect our business, capacity planning and marketing strategy). |
| To perform internal audits of our activity by third party auditors across the organisation | Identity, Contact, Financial | To comply with a legal obligation. |
| To use systems including AI and automated decision making to support our services and assist with document validation, affordability and product sourcing | Identity, Contact, Financial | Performance of a contract with you to provide advice services. |
Change of Purpose
We will only use your personal data for the purposes stated above, unless we reasonably consider that we need to use it for another reason and it is compatible with the original purpose. Please contact us for an explanation as to how any new processing is compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Changes to Our Privacy Notice
We keep our Privacy Notice under regular review. This Privacy Notice was last updated on the 14th September 2026. Historic versions can be obtained by contacting us.
Use of AI and Automated Decision Making
We may use your data in AI and automated decision-making systems for re-engagement purposes as a legitimate interest to review your existing protection product and source suitable new products. Any results obtained from these automated decision-making systems are subject to review by the adviser, i.e. product sourcing is not solely reliant on the automated decisions. This processing is performed under UK GDPR Article 22(2)(a).
We use AI to assess complaints we receive and support our Complaints Team when investigating and responding to complaints.
Marketing Communications
You will also have the choice to opt-in to receiving other related marketing information and related products and services. You can opt-out of receiving these types of communications at any time by emailing data.protection@mab.org.uk or by clicking on the relevant link in email communications you receive from us. However please note that your personal information will not be passed to any third party organisation for marketing purposes.
Data Security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We also limit access to your personal data to only those staff, appointed representatives, advisers, business partners and suppliers who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
Cookies
Check Financial sends cookies to your computer from the Check Financial website. Cookies are pieces of information that a website transfers to your computer. Cookies can make the web more useful to you by storing information about your preferences on particular websites, which allows website owners to provide more useful features for their users. Check Financial uses cookies and tracking software to monitor customer traffic patterns and site usage in order to develop the design and layout of the site to better meet the needs of visitors to the Check Financial website. This will include non-specific data such as mouse-movements and pages visited. Should you wish to restrict the data that we collect through our tracking software, you can alter your cookies setting in your browser.
Website Third-Party Links
Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Third-Party Services
Our website uses the following third-party services:
- Google Fonts - We use Google Fonts to display typography on our website. When you visit our website, your browser may connect to Google's servers to download font files. This may result in your IP address being transmitted to Google. For more information, see Google's Privacy Policy at policies.google.com/privacy.
- Calendly - Our Contact page uses Calendly, a third-party scheduling service, to allow you to book appointments with us. When you use the booking widget, Calendly will process your name, email address, and any other information you provide to schedule the appointment. For more information, see Calendly's Privacy Policy at calendly.com/privacy.
Sharing of Personal Data Outside of the United Kingdom
Some of our external suppliers are based overseas so their processing of your personal data will involve a transfer of data outside of the UK. In such cases data is transferred under conditions to provide protection to personal data equivalent to UK Data Protection standards. This includes the use of standard contractual clauses in contracts with external suppliers in order to provide the same level of protection for personal data as it has in the UK.
Who We Disclose Personal Data To
| Type of recipient | Reason |
|---|---|
| Within Mortgage Advice Bureau Group | Depending on your requirements, it may be necessary to share your personal data with other specialist product providers in order for suitably qualified advisers to source relevant products (e.g. Building & Contents cover) and services or to re-engage with existing clients. |
| Protection product suppliers | To source and submit applications in order to conclude the contract for the protection application and the ongoing servicing of these contracts. |
| External suppliers | Specialist IT system providers to deliver our service to you (including sourcing of products, providing continuing advice, sharing of documentation, informing you about relevant products and services, service and advice quality checking and improvements, and to request feedback on customer service standards). It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to us. |
| Solicitors / Conveyancers | To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit. |
| Firm of mortgage / protection advisers who referred you to Check Financial | We may share information about the progress of your application with the firm of mortgage / protection advisers with whom you initially interacted. |
| Regulators | Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities. |
| Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements (TransUnion data processing information can be found in the privacy notice on the www.callcredit.co.uk website); to perform a credit assessment to assess your eligibility. |
| Others | Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice. |
These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with our instructions.
How Long Is Your Personal Data Retained?
| Purpose of processing | Retention |
|---|---|
| Successful protection applications | For the full protection policy term plus a further 6 years. |
| Withdrawn, stalled, incomplete and failed protection applications | 2 years from the date the latest application was started, or 6 years from the application submitted date if the application was submitted and subsequently rejected, or from the creation date if advice has been provided but not pursued. |
| Enquiry data obtained from third parties that do not result in an application | 2 years from the date the lead was received from the Introducer. |
After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.
Your Legal Rights Regarding Your Personal Data
You have the right to:
- Request access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
- Request correction of the personal data. This enables you to have any incomplete or inaccurate data corrected, though we may need to verify the accuracy of the new data you provide to us.
- Request erasure of your personal data. This enables you to ask us to delete personal data where there is no good reason for us continuing to process it. You can also ask us to delete your personal data where you have successfully objected to the processing, where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to delete the data for specific legal reasons which will be notified to you, if applicable, at the time of your request.
- Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
- Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
- Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
- Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
Questions &Amp; Complaints
If you have any questions relating to how we use your personal data, or if you wish to exercise any of your rights, you can submit this via our website form, by contacting Data.Protection@mab.org.uk or by writing to us. We will respond to you as soon as is possible, and you will receive a response no later than one month from the initial request.
If you have a complaint about how we process your personal data or wish to notify us of a potential data breach, you can do this via the Mortgage Advice Bureau website or by contacting us using the above email address.
Please note if you have a complaint about the advice or service you have received, please contact complaints@mab.org.uk.
What If I Am Still Not Satisfied?
If you are not satisfied with the response to your enquiry, you have the right to complain to the Information Commissioner's Office (ICO), who is the regulator for data protection in the United Kingdom.