Privacy Policy

Last Updated: January 15, 2026

1. Introduction

Adverse Mortgages (operated by Kieran Peterson) ("we," "us," "our," or "Company") is committed to protecting your privacy and ensuring you have a positive experience on our website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our website.

2. Information We Collect

2.1 Information You Provide Directly

When you complete our consultation form, we collect the following personal data:

• Contact Information: First name, last name, email address, phone number
• Financial Information: Gross income, mortgage amount, deposit amount
• Credit History: Main credit issue (CCJ, default, missed payments, bankruptcy, IVA, etc.)
• Employment Information: Employment status, employment description (if applicable)
• Mortgage Details: Mortgage type (Mortgage, Remortgage, First Time Buyer)

2.2 Information Collected Automatically

We may collect certain information automatically when you visit our website:

• Technical Data: IP address, browser type, operating system, pages visited, time spent on pages
• Analytics Data: User behavior, interaction with website features, referral source
• Cookies: Information stored through cookies and similar tracking technologies (see Cookie Policy)

3. Legal Basis for Processing

We process your personal data on the following legal bases:

• Consent: You have explicitly consented to the processing of your data by submitting the consultation form
• Legitimate Interests: We have a legitimate interest in understanding user behavior and improving our services
• Contractual Necessity: Processing is necessary to provide you with the lead generation service you have requested

4. How We Use Your Information

4.1 Primary Purpose

• Lead Generation: To connect you with FCA-regulated mortgage brokers who may be able to assist with your mortgage application

4.2 Secondary Purposes

• To respond to your inquiries and provide customer support
• To send you updates about your consultation status
• To improve our website, services, and user experience
• To conduct analytics and understand how users interact with our website
• To comply with legal obligations and protect our legal rights
• To prevent fraud and ensure security

5. Data Sharing and Disclosure

5.1 Mortgage Brokers

Your personal data will be shared with FCA-regulated mortgage brokers in our network who specialize in adverse credit cases.

Specifically, your data will be shared with:

• Essex Money (Appointed Representative of TMG Direct Limited)
• TMG Direct Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Number: 456085)
• Other FCA-regulated specialist brokers in our network

Essex Money will be the primary broker to contact you. They will use your information to assess your mortgage eligibility, provide mortgage advice, and process your application if you choose to proceed.

Important: These brokers are independent data controllers and have their own privacy policies. We recommend reviewing their privacy notices when they contact you.

5.2 Third-Party Service Providers

We may share your data with the following third parties who provide services on our behalf:

• Website Hosting Provider: To maintain and operate our website
• Email Service Provider: To send form notifications and updates
• Google Analytics: To analyze website traffic and user behavior (anonymized data)
• Google Ads: For advertising purposes (anonymized data)

These service providers are contractually obligated to use your data only for the purposes specified and to maintain appropriate security measures.

5.3 Legal Requirements

We may disclose your information if required by law, court order, or government request, or if we believe disclosure is necessary to:

• Comply with legal obligations
• Enforce our Terms of Service
• Protect our rights, privacy, safety, or property
• Protect against fraud or security threats

5.4 Business Transfers

If Adverse Mortgages is involved in a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your data becomes subject to a different privacy policy.

6. Data Retention

We retain your personal data for ninety (90) days from the date of submission, unless:

• You request deletion earlier
• We are required to retain it longer by law
• You have an ongoing relationship with a mortgage broker in our network

After ninety days, we will securely delete your data unless you have requested to remain in contact with us.

7. Your Rights Under GDPR

As a data subject in the UK, you have the following rights:

7.1 Right of Access

You have the right to request a copy of the personal data we hold about you.

7.2 Right to Rectification

You have the right to request correction of inaccurate or incomplete data.

7.3 Right to Erasure

You have the right to request deletion of your data (subject to certain exceptions).

7.4 Right to Restrict Processing

You have the right to request that we limit how we use your data.

7.5 Right to Data Portability

You have the right to receive your data in a structured, commonly-used format and to transmit it to another controller.

7.6 Right to Object

You have the right to object to our processing of your data, including for marketing purposes.

7.7 Right to Withdraw Consent

You can withdraw your consent at any time by contacting us.

To exercise any of these rights, please contact us at [email protected] with your request.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

• HTTPS/SSL encryption for all form submissions and data transmission
• Secure server infrastructure with restricted access controls
• Regular security audits and vulnerability assessments
• Encrypted data backups
• Access logging and monitoring for security purposes
• Staff training on GDPR and data protection best practices

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

9. International Data Transfers

Your data is processed and stored within the United Kingdom. We do not intentionally transfer data outside the UK unless required for service provision. If we do transfer data internationally, we will ensure appropriate safeguards are in place.

10. Third-Party Links and Content

Our website may contain links to third-party websites. We are not responsible for:

• The content, accuracy, or practices of third-party websites
• Any damages or losses caused by your use of third-party websites
• The privacy policies or terms of service of third-party websites

Please review their privacy policies before providing any personal information.

11. Children's Privacy

Our website is not intended for children under the age of 18. We do not knowingly collect personal data from children. If we become aware that a child has provided us with personal data, we will delete such information and terminate the child's account.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date.

Your continued use of our website following the posting of revised Privacy Policy means that you accept and agree to the changes.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or have concerns about how we handle your data, please contact us:

14. Complaints

If you believe we have violated your privacy rights, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

End of Privacy Policy