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Privacy Notice

Version: June 2026

Next Review Date: June 2027

1. Who We Are

AF & Associates Ltd
Company No: 12336442
FCA FRN: 917946
ICO Registration: ZA750651
3 The Shrubberies, George Lane, South Woodford, London, E18 1BD
Email: max@afandassociates.co.uk

We are mortgage and protection advisers authorised and regulated by the Financial Conduct Authority.

2. Information We Collect via Our Website

When you visit our website or contact us via online forms, we may collect:
• Name and contact details
• IP address and browser/device information
• Website usage data via cookies
• Any information you voluntarily submit in an enquiry form or email

3. How We Use Website Data

We use this information to:
• Respond to enquiries
• Provide requested information
• Improve website performance and user experience
• Monitor usage trends
• Prevent fraud and protect our systems

If you proceed to become a client, your data will be processed in accordance with our full Customer Privacy Notice.

4. Lawful Basis for Processing

We process website data under the following lawful bases:
• Legitimate Interests – to operate and improve our website and respond to enquiries
• Contract – where you request information about our services
• Consent – where required for marketing communications or certain cookies

5. Sharing of Data

We do not sell your personal data.
Where necessary, we may share data with:
• IT service providers
• Website hosting providers
• Analytics providers (such as Google Analytics)
• Compliance advisers where required

All third parties are required to process data securely and in accordance with UK GDPR. We only share the minimum personal data necessary for the relevant purpose and only where there is a lawful basis for doing so.

6. Cookies

We use essential and analytics cookies to ensure website functionality and improve performance.
Analytics cookies (such as Google Analytics) collect anonymised usage information.

You can manage or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

Where required by law, non-essential cookies will only be placed on your device with your consent.

7. International Transfers

Some website service providers may process data outside the United Kingdom.
Where this occurs, appropriate safeguards are implemented in accordance with UK GDPR, including adequacy regulations or approved international data transfer mechanisms.

8. Data Retention

Website enquiry data and correspondence are retained securely as part of our business records in line with regulatory and legal requirements.
Where you become a client, retention periods are governed by our Customer Privacy Notice (minimum 6 years in line with FCA requirements).

9. Your Rights

Under UK GDPR you have the right to:
• Access your personal data
• Request correction of inaccurate data
• Request erasure (where legally permitted)
• Restrict processing
• Object to processing
• Withdraw marketing consent at any time

You also have the right to lodge a complaint with the Information Commissioner’s Office (www.ico.org.uk).

10. Data Protection Complaints

If you have any concerns about how we have collected, used or handled your personal data through our website, you may contact us using the details below.

You may make a data protection complaint by email, telephone or in writing.

In accordance with the Data (Use and Access) Act 2025, we will:

  • acknowledge your complaint within 30 calendar days of receiving it;

  • investigate your complaint without undue delay;

  • take appropriate steps to investigate the matters raised;

  • keep you informed of the progress of our investigation where appropriate; and

  • notify you of the outcome of our investigation.

 

If you remain dissatisfied after receiving our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO).

11. Contact Us

If you have any questions about this Website Privacy Notice, wish to exercise any of your data protection rights, or wish to make a data protection complaint, please contact:

AF & Associates Ltd
3 The Shrubberies, George Lane, South Woodford, London, E18 1BD
Email: max@afandassociates.co.uk

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments 

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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

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AF & Associates Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 917946. AF & Associates Ltd is an authorised credit broker and not a lender. We work with a an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration.

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ICO registration ZA750651 and you can check via www.ico.org.uk.

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We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

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The Financial Conduct Authority does not regulate some forms of Commercial Mortgages & Loans. We are a Credit Broker not a Lender

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Privacy Notice

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Registered in England and Wales Company No. 12336442

Registered Office:3 The Shrubberies, George Lane, South Woodford, London, E18 1BD 

Telephone : 020-8530-7170

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©AF & ASSOCIATES LTD. All Rights Reserved.

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