Areti Mortgages Ltd is committed to protecting your privacy and ensuring the security of your personal information.
This Policy explains how we collect, use and store your data in line with the UK GDPR and the Data Protection Act 2018.

This Privacy Notice was last updated on 14th September 2026. Historic versions can be obtained by contacting us.

1. Information we collect

We may collect:

• Personal identification details
• Contact details
• Financial and employment information
• Credit information
• Information shared via phone (including call recordings and voicemail), email, videoconferencing, chatbots or forms

2. How we use your information

We use your data to:

• Initially engage with you and manage ongoing communications until you are ready to proceed — via website, estate agent, new home builder or in person (lawful basis: consent)
• Provide mortgage and protection advice
• Assess affordability and suitability
• Process applications with lenders or insurers
• Communicate with you throughout your journey
• Meet our regulatory obligations

3. Who we share information with

Your information may be shared with:

• Mortgage lenders
• Insurance providers
• Credit reference agencies
• Our compliance partners
• Regulators where legally required

We do not sell your data to third parties.

4. Your rights

You have the right to request:

• Access to your data
• Corrections to inaccurate information
• Deletion of data (where legally permitted)
• Restriction of processing
• Withdrawal of consent

5. Data security

We store your information securely and restrict access to authorised personnel only.

6. Use of AI and automated decision making

We use AI and automated decision-making systems to assist the adviser to assess your affordability and source suitable products as part of the contract to provide advice. 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 also use AI for identity verification to meet our legal requirement in terms of anti money laundering. This processing is performed under UK GDPR Article 22(2)(b).

We use AI to assess complaints we receive and support our Complaints Team when investigating and responding to complaints.

7. Contact

If you have questions about this policy or wish to exercise any of your rights, please get in touch:

Email: [email protected]