Privacy & Cookies Policy - Pure Financial Solutions

1. Who we are

We are Pure Financial Solutions Limited, a company registered in England & Wales (Company Registration Number: 04037714).
Registered office: Redruth House, Cornwall Business Park West, Scorrier, Redruth, TR16 5EZ.

We are:

Authorised and regulated by the Financial Conduct Authority (FCA No. 712612)
Registered with the Information Commissioner's Office (ICO) as a data controller (Reg No. Z6619654)

2. Information we collect

We may collect and process:

Identity details (name, date of birth, address, contact details)
Employment and financial details (income, expenditure, credit history, bank details)
Mortgage, loan and insurance product details
Health and medical information (only where relevant for an insurance or lending application)
Information from third parties (e.g. credit reference agencies, employers, product providers)

3. How we use your information

We will only use your personal data where the law allows, including:

To provide services – processing your enquiry, assessing your circumstances, sourcing products, managing applications
To comply with legal and regulatory obligations – e.g. anti-money laundering checks, FCA requirements
For legitimate interests – internal administration, monitoring service quality, record-keeping
With your consent – e.g. for marketing communications (you can withdraw consent at any time)

4. Who we share your data with

We may share your information with:

Mortgage, loan, and insurance providers to progress applications
Credit reference and fraud prevention agencies (see "Credit reference checks" below)
Regulators and government bodies where required by law
Professional advisers and service providers who support our business (IT, compliance, legal, auditors)

We will never sell your personal data.

5. Credit reference checks

Where relevant to your application, checks may be made with credit reference and fraud prevention agencies. These agencies will record details of the search, and this may be seen by other organisations.

More information about how credit reference agencies use and share personal data can be found in the Credit Reference Agency Information Notice (CRAIN) at:

6. International transfers

We do not routinely transfer personal data outside the UK. If a provider does, appropriate safeguards (such as UK GDPR-approved transfer mechanisms) will be applied.

7. Data retention

We retain personal data only as long as necessary:

Normally for the duration of your relationship with us plus up to six years (to meet legal, regulatory and insurance requirements)
Health data and other sensitive records only as long as necessary for the product arranged

8. Cookies & website tracking

Our website uses cookies and similar technologies:

Strictly necessary cookies – required for the site to function
Analytics cookies – help us understand site use and improve performance
Marketing cookies – used to deliver relevant advertising; only active with your consent

On first visit, you will see a cookie banner with the options Accept All, Reject Non-Essential, or Manage Preferences. You can change your settings at any time through your browser or our cookie tool.

9. Your rights

Under data protection law you have the right to:

Access the personal data we hold about you
Correct inaccurate or incomplete data
Request erasure ("the right to be forgotten")
Restrict or object to processing
Data portability (where applicable)
Withdraw consent for marketing at any time

To exercise these rights, please contact us (see section 11).

10. Complaints

If you are unhappy with how we handle your data, please contact us first. You also have the right to complain to the Information Commissioner's Office (ICO) at www.ico.org.uk.

11. Contact details

Data Protection Officer

Pure Financial Solutions Limited
Redruth House, Cornwall Business Park West, Scorrier, Redruth, TR16 5EZ

Email: dpo@purefinsolutions.co.uk
Phone: 01872 211210

12. Updates

We may update this Privacy & Cookies Policy from time to time to reflect changes in law, regulation, or business practices. The latest version will always be available on our website.