Privacy Policy

A legal disclaimer

1. Privacy Policy
Last updated: 30/12/2025

1. Introduction

SCP Mortgages (“we”, “us”, or “our”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you visit our website www.sp-mortgages.com contact us, or use our mortgage and protection services.

We process personal data in line with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and applicable Financial Conduct Authority (FCA) requirements.

2. Who We Are

SCP Mortgages is a trading name of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

3. Information We Collect

We may collect personal information including:

Name and contact details
Date of birth
Employment and income details
Property and mortgage information
Protection needs and personal circumstances
Identification documents (where required for regulatory purposes)
Website usage data (such as IP address and cookies)
Any information you provide via forms, phone calls, or emails

4. How We Use Your Information

We use your information to:

Provide mortgage and protection advice
Assess suitability of products and services
Submit applications to lenders and insurers
Contact you about your enquiry or ongoing arrangements
Meet legal, regulatory, and FCA record-keeping requirements
Improve our services and website

5. Lawful Basis for Processing

We process personal data under the following lawful bases:

Consent – where you have given permission
Contract – to provide advice or services you’ve requested
Legal obligation – including FCA requirements
Legitimate interests – to operate and improve our business

6. Sharing Your Information

Your information may be shared with:

Mortgage lenders and insurance providers
Solicitors, surveyors, and other professionals involved in your transaction
Compliance providers and professional advisers
Regulators or authorities where legally required

We do not sell your personal data.

7. Data Security

We use appropriate technical and organisational measures to protect your data against unauthorised access, loss, or misuse.

8. Data Retention

We retain personal data only for as long as necessary. FCA regulations may require us to keep certain records for a minimum period, even after our relationship with you ends.

9. Your Rights

You have the right to:

Access your personal data
Correct inaccurate information
Request deletion (where applicable)
Restrict or object to processing
Data portability
Withdraw consent at any time

Requests can be made using the contact details above.

10. Complaints

If you’re unhappy with how we handle your data, you can complain to the Information Commissioner’s Office (ICO):
www.ico.org.uk

Privacy Policy

A legal disclaimer

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