Privacy Policy

1. Who we are

Day Rate Finance is a trading name of [Company Name] Ltd, an Appointed Representative of Julian Harris Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority.

We are registered as a data controller with the Information Commissioner's Office (ICO).

If you have questions about how we use your personal data, please contact us at the email address above.

2. What personal data we collect

We collect personal data that you provide to us when you use our enquiry form, contact us by email or telephone, or engage our services. This may include:

• Name, email address, phone number and postal address
• Employment and contracting information, including your day rate, contracting structure and IR35 status
• Financial information, including income details, existing debts and credit history
• Property details relevant to your mortgage application
• Identification documents where required by law (e.g. for anti-money laundering checks)

We also collect limited technical data when you visit our website, including IP address, browser type and pages visited. See Section 8 (Cookies) for more detail.

3. Why we collect it — legal basis

We process your personal data on the following legal bases under UK GDPR:

• Contract performance: to provide the mortgage advice and brokerage services you have requested
• Legal obligation: to comply with FCA regulations, anti-money laundering requirements, and other legal obligations
• Legitimate interests: to respond to your enquiries, improve our services, and maintain records of our advice
• Consent: where we send you marketing communications (you may withdraw consent at any time)

4. Who we share your data with

We share your personal data only where necessary and with appropriate safeguards. Recipients may include:

• Julian Harris Mortgages Ltd — our principal firm, which is required to oversee our regulated activities and may audit our files
• Mortgage lenders — when submitting your application to lenders on your behalf
• Insurance providers — when arranging protection products
• Credit reference agencies — to assess creditworthiness where required for an application
• Solicitors and conveyancers — where required to complete a transaction
• The Financial Conduct Authority — where required by law or regulation
• Our IT and software providers — who process data on our behalf under data processing agreements

We do not sell your personal data to third parties. We do not share your data for marketing purposes without your explicit consent.

5. How long we retain your data

We retain your personal data for as long as is necessary to fulfil the purposes for which it was collected and to comply with our legal and regulatory obligations.

FCA regulations require us to retain records of mortgage advice for a minimum of 3 years from the date of the advice. In practice, we retain client records for 6 years from the end of the client relationship to comply with our professional obligations and to handle any complaints or legal claims that may arise.

Enquiry data from individuals who do not become clients is retained for 12 months and then securely deleted.

6. Your rights

Under UK GDPR, you have the following rights regarding your personal data:

• Right of access: you may request a copy of the personal data we hold about you
• Right to rectification: you may ask us to correct inaccurate data
• Right to erasure: you may ask us to delete your data in certain circumstances (note that we may need to retain some data to comply with our legal obligations)
• Right to portability: you may request your data in a structured, machine-readable format
• Right to object: you may object to processing based on legitimate interests or direct marketing
• Right to restrict processing: you may ask us to pause processing of your data in certain circumstances

To exercise any of these rights, please contact us at [email address]. We will respond within one calendar month.

7. How to complain to the ICO

If you believe we have not handled your personal data correctly, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection matters.

Website: ico.org.uk
Telephone: 0303 123 1113

We would appreciate the opportunity to address your concerns before you contact the ICO, so please contact us first.

8. Cookies

Our website uses a small number of cookies to ensure it functions correctly. We do not use advertising cookies or third-party tracking cookies.

Strictly necessary cookies are required for the website to function. They cannot be disabled.

Analytics cookies — if used in future — will only be set with your consent. At present, we do not use analytics tracking on this website.

You can control cookies through your browser settings. Disabling strictly necessary cookies may affect website functionality.

9. Changes to this policy

We may update this Privacy Policy from time to time. The date at the top of this page shows when it was last updated. Significant changes will be communicated to existing clients by email.