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Privacy Policy

Last updated: January 2026

CGR Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Introduction

CGR Financial Ltd ("we", "us", or "our") is committed to protecting your privacy and personal information. This privacy policy explains how we collect, use, and safeguard your information when you use our website and services.

We are registered in Northern Ireland (Company Number: NI712176).

Information We Collect

We may collect the following types of personal information:

Information You Provide

  • Contact details: Name, address, email address, telephone number
  • Financial information: Income, employment details, existing debts, bank statements
  • Identity verification: Date of birth, proof of identity, proof of address
  • Property information: Details of property you wish to purchase or remortgage
  • Health information: If relevant to insurance applications

Information We Collect Automatically

  • IP address and browser type
  • Pages visited on our website
  • Time and date of visits
  • Referring website addresses

How We Use Your Information

We use your personal information to:

  • Provide mortgage and insurance advice
  • Submit applications to lenders and insurers on your behalf
  • Verify your identity as required by law
  • Communicate with you about your enquiry or application
  • Comply with legal and regulatory obligations
  • Improve our website and services
  • Send you relevant marketing communications (with your consent)

Legal Basis for Processing

We process your personal information on the following legal bases:

  • Contract: Processing necessary to provide our services to you
  • Legal obligation: Processing required to comply with FCA regulations and anti-money laundering laws
  • Legitimate interest: Processing for business purposes where it doesn't override your rights
  • Consent: Where you have given specific consent (e.g., for marketing communications)

Sharing Your Information

We may share your personal information with:

  • Lenders and insurers: To process mortgage and insurance applications
  • Credit reference agencies: For credit checks and identity verification
  • Solicitors and conveyancers: As part of the property purchase process
  • Regulatory bodies: Where required by law (e.g., FCA, HMRC)
  • Service providers: Who assist us in providing our services (e.g., IT support)

We will not sell your personal information to third parties or share it for marketing purposes without your explicit consent.

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal requirements. For mortgage and insurance records, this is typically:

  • At least 3 years after the end of our business relationship
  • Longer where required by FCA regulations or other legal obligations

Your Rights

Under data protection law, you have rights including:

  • Right of access: Request a copy of your personal data
  • Right to rectification: Request correction of inaccurate data
  • Right to erasure: Request deletion of your data (subject to legal requirements)
  • Right to restrict processing: Request limitation of processing
  • Right to data portability: Request transfer of your data
  • Right to object: Object to processing based on legitimate interests
  • Right to withdraw consent: Where processing is based on consent

To exercise any of these rights, please contact us using the details below.

Cookies

Our website uses cookies to improve your experience. Cookies are small text files stored on your device that help us:

  • Remember your preferences
  • Understand how you use our website
  • Improve our website and services

You can control cookies through your browser settings. However, disabling cookies may affect website functionality.

Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, or damage. This includes:

  • Encrypted data transmission (SSL/TLS)
  • Secure storage systems
  • Access controls and authentication
  • Regular security assessments
  • Staff training on data protection

Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this privacy policy or wish to exercise your rights, please contact us:

  • Address: 319a Antrim Road, Newtownabbey, BT36 5DY
  • Phone: 028 90 029 029
  • Email: enquiries@cgr-financial.com

Complaints

If you're unhappy with how we've handled your personal information, you have the right to complain to the Information Commissioner's Office (ICO):