Privacy Policy




1.1 [A M Mortgage Solutions] (“we” “us” “our”) is committed to protecting and  respecting your privacy. We are the data controller and will process your personal  data in accordance with the Data Protection Act 2018, Regulation (EU) 2016/679  (the “UK GDPR“) and the Privacy and Electronic Communications (EC Directive)  Regulations 2003 as amended from time to time as well as any national laws which  relate to the processing of personal data (“data protection legislation”). 

1.2 Please read the following carefully to understand our views and practices regarding Your  Data and how we will treat it.  

This policy applies to information we collect about: 

  • Visitors to our website(s) 
  • Customers 
  • Introducers  
  • Suppliers 


2.1 We may collect and process personal data about you in the following circumstances:  

2.1.1 when you complete the online contact forms on our website (“Site”) providing  us with your name, address, email address and contact number; 

2.1.2 whenever you provide information to us when reporting a problem with our  Site, making a complaint, making an enquiry or contacting us for any other  reason. If you contact us, we may keep a record of that correspondence; 

2.1.3 when you visit our Sites we will retain details such as traffic data, location data,  weblogs and other communication data, and the resources that you access (see  section 2.2.2 on Cookies below); and  

2.1.4 whenever you disclose your information to us, or we collect information from  you in any other way, through our Sites.  

2.2 We may also collect data in the following ways: 

IP Address 

2.2.1 We may collect information about your device, including where available your  Internet Protocol address, for reasons of fraud protection. We may also collect information about your device’s operating system and browser type, for system  administration and to report aggregate information to our advertisers. This is  statistical data about our users’ browsing actions and patterns, and does not  identify any individual. 

Cookies and Tracking  

2.2.2 Use of Cookies  

A cookie is a small text file which is placed onto your computer (or other electronic device)  when you access our website. We use cookies on this website to:

a) recognise you whenever you visit this website (this speeds up your access to the website  as you do not have to log in each time); 

b) obtain information about your preferences, online movements and use of the internet; 

c) carry out research and statistical analysis to help improve our content, products and  services and to help us better understand our customer requirements and interests; 

d) target our marketing and advertising campaigns more effectively by providing interest based advertisements that are personalised to your interests; and 

e) make your online experience more efficient and enjoyable. 

2.2.3 Description of cookies 

We may use the following categories of cookies on our website: 

• Strictly necessary: These are cookies which are essential for certain features of our  website to work. These cookies do not record identifiable personal information and we do  not need your consent to place these cookies on your device. Without these cookies we will  be unable to provide all or part of our services to you. 

• Performance monitoring: We use these cookies to collect details on an anonymous basis  about how you use our websites. This information may be used to help us improve our  websites and understand how effective our adverts are. In some cases we use trusted  third parties to collect this information for us but they only use the information for the  purposes explained. 

• Functionality: These cookies are used to provide services or remember your settings.  These cookies are aimed at enhancing your user experience by remembering your  preferences. The information these cookies collect is anonymous and does not enable us to  track your browsing activity on other websites. 

The table below explains what cookies we use and why: 

Cookie Name Purpose rc::a This cookie is used to  distinguish between humans  and bots. This is beneficial for  the website, in order to make  valid reports on the use of  their website. rc::c This cookie is used to  distinguish between humans  and bots.
_ga Registers a unique ID that is  used to generate statistical  data on how the visitor uses  the website.
_gat Used by Google Analytics to  throttle request rate
_gid Registers a unique ID that is  used to generate statistical  data on how the visitor uses the website.
collectUsed to send data to Google  Analytics about the visitor’s  device and behavior. Tracks  the visitor across devices and  marketing channels.

2.2.4 Consent 

In most cases we will ask for your consent in order to use cookies on this website. Please  note that we do not require your consent where the cookie is essential in order for us to  provide you with a product or service you have requested. 

2.2.5 How to turn off cookies 

If you do not want to accept cookies, you can change your browser settings accordingly. If you do  this, please be aware that you may lose some of the functionality of this website. For further  information about cookies and how to disable them please go to the Information Commissioner’s  webpage on cookies:

2.3 We may use your personal data for our legitimate interests in order to:  2.3.1 provide you with information, or services that you requested from us; 2.3.2 respond to an enquiry submitted via our online contact forms;  

2.3.3 allow you to participate in interactive features of our Sites, when you choose to  do so;  

2.3.4 ensure that content from our Sites are presented in the most effective manner  for you and for your device; 

2.3.5 improve our Sites and services; 

2.3.6 process and deal with any complaints or enquiries made by you; and 

2.3.7 contact you for marketing purposes where you have signed up for these (see  section 5 for further details). 

Website Links  

2.4 Our Site may, from time to time, contain links to and from the websites of third parties.  Please note that if you follow a link to any of these websites, such websites will apply  different terms to the collection and privacy of your personal data and we do not accept  any responsibility or liability for these policies. Please check before you submit your  information to these websites. 


3.1 We will collect details such as name, address, email address, contact number, date of  birth, national insurance number and financial information (including bank statements) in  order to provide services to customers. We may also receive details of credit checks  undertaken where you have supplied these to us. 

3.2 We will share customer personal information with our employees to manage our  relationship with you and we will retain customer personal data for a retention period of no  longer than is required by applicable data protection laws. 

3.3 We will use your personal data provided to comply with our contractual obligations arising  from the agreements we enter into with our Customers and share the data with financial  institutions who can assist in the provision of financial services to customers including  product providers, lenders, banks, insurers, fund managers, platform providers and third  party para-planners [include the name/ organisations if known] .  

3.4 We will use customer personal data for our legitimate interests including: 

3.4.1 sharing personal data with Tenet Network Services * our joint data controllers as they are responsible for the services we provide to our clients and have a  legal obligation to monitor our compliance with the FSMA and Financial Conduct  Authority rules and to handle, manage and respond to complaints. Further  details regarding how Tenet will use customer personal data can be found on it’s  website at or by contacting Tenet on 01132390011; 

3.4.2 to administer, manage , market and operate our business, including filing and  reporting for accounting purposes; 

3.4.3 with your consent, marketing our other products and services by mail and  email; and  

3.4.4 with your consent, obtaining your sensitive personal data from third parties  including your health, ethnic origin, or criminal prosecutions from third parties  such as employers and credit reference agencies, fraud prevention agencies and  other similar organisations. 

3.5 We will not transfer any customer personal data outside the United Kingdom unless  permitted to do so by data protection legislation (see section 8 of this Privacy Policy).  

*Tenet Network Services means TenetConnect Limited, TenetConnect Services Limited and  TenetLime Limited,  


We will collect details such as contact names, address, email address and telephone  number in order to contact you about goods and/or services we have ordered from you, to  comply with our contractual obligations and to place further orders. We may share your  personal data with our employees to manage our relationship with you and we will keep  your personal data for as long as we require your goods and/or services subject to a  maximum of six years from the date of our last contact with you or expiry of our contract. 

We will not transfer your personal data outside the United Kingdom unless permitted to do  so by data protection legislation (see section 8 of this Privacy Policy). 


5.1 We may use customer personal data to provide you with details about our services, products, business updates and events which we think may be of interest. We will only  send you marketing correspondence where you have given us your consent to do so.  

5.2 You have the right to opt-out of receiving the information detailed in section 5.1 at any  time. To opt-out of receiving such information you can: 

5.2.1 tick the relevant box situated in the form on which we collect your information; 

5.2.2 clicking the unsubscribe button contained in any such communication received;  or 

5.2.3 email us at or call 07525 098750 providing us with your name and contact details. It may take up to 7 days for  this to take place.  

5.3 Where you have subscribed to receive marketing correspondence from us we will keep  your personal data for six years from when you subscribed to receiving marketing information from us or until you unsubscribe from receiving such correspondence from us  (whichever is earlier).  


6.1 In accordance with data protection legislation we are required to notify you of the legal  basis upon which we process your personal data. We process your personal data for the  following reasons: 

6.1.1 for performance of a contract we enter into with you; 

6.1.2 where necessary for compliance with a legal obligation we are subject to; and 6.1.3 for our legitimate interests (as described within this policy). 

6.2 We will also process your personal data including personal sensitive data where we have  obtained your explicit consent. 


7.1 In addition to the third parties mentioned previously in this policy, we may disclose your  personal data to third parties for the following legitimate business purposes: 

7.1.1 staff members in order to facilitate the provision of services to you; 7.1.2 IT software providers that host our website and store data on our behalf; 

7.1.3 Service providers who provide us with software solutions and platforms in order  to carry out our business and provide services (including, without limitation,  open banking services); and 

7.1.4 to a prospective buyer of some or all of our business or assets, in which case  personal data including Your Data will also be one of the transferred assets. The  recipient of the information will be bound by confidentiality obligations. 

7.1.5 third party verification provider to assist us in facilitating ID verification checks,  we use SmartCredit Limited if you would like to know more about they use your  data and who they share it with for example third party credit reference  agencies please see their privacy policy here:  

7.2 We only allow our service providers to handle your personal information if we are satisfied  they take appropriate measures to protect your personal information. We also impose  contractual obligations on service providers to ensure they can only use your personal  information to provide services to us and to you. We may also share personal information  with external auditors, e.g. in relation to ISO accreditation and the audit of our accounts. 

7.3 We may disclose your personal data to the police, regulatory bodies, legal advisors or  similar third parties where we are under a legal duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our  agreements; or to protect our rights, property, or safety of our customers, or others. This  includes exchanging information with other companies and organisations for the purposes  of fraud protection and credit risk reduction. 

7.4 We will not sell or distribute your personal data to other organisations without  your approval. 


8.1 We share your personal data with external third parties in order to provide our services to  you. Some of these third parties may transfer personal data outside the United Kingdom.  We require such third parties to ensure that such transfers take place in accordance with  data protection legislation.

8.2 Whenever we transfer your personal data out of the United Kingdom, we ensure a similar  degree of protection is afforded to it by ensuring at least one of the following safeguards is  implemented: 

  • We will only transfer your personal data to countries that have been deemed to provide  an adequate level of protection for personal data by the UK Information Commissioner’s  Office or; 
  • Where we have accessed the risk to be at a suitable level , we may use standard contractual clauses approved by the UK Information Commissioner’s Office which give  personal data the same protection it has in the United Kingdom or 
  • Where we have assessed the risk to be to high, we will not transfer your personal data  to that third party. . .  

8.3 Please contact us if you want further information on the specific mechanism used by us  when transferring your personal data out of the United Kingdom.  


9.1 Information you provide to us is shared on our secure servers. We have implemented  appropriate physical, technical and organisational measures designed to secure your  information against accidental loss and unauthorised access, use, alteration or disclosure.  In addition, we limit access to personal data to those employees, agents, contractors and  other third parties that have a legitimate business need for such access. We also have  procedures in place to deal with any suspected data security breach. We will notify you and  any applicable regulator of a suspected data security where we are legally required to do  so.  

9.2 Where we have given you (or where you have chosen) a password which enables you to  access certain parts of our Sites, you are responsible for keeping this password  confidential. We ask you not to share a password with anyone. 

9.3 Unfortunately, the transmission of information via the internet is not completely secure.  Although we will do our best to protect your personal data, we cannot guarantee the  security of your information transmitted to our Site; any transmission is at your own risk.  If you want detailed information from Get Safe Online on how to protect your information  and your computers and devices against fraud, identity theft, viruses and many other  online problems, please visit Get Safe Online is supported by HM Government and leading businesses. 


10.1 It is important that the personal data we hold about you is accurate and current. Please keep us informed if the personal data we hold about you changes.  

10.2 Data protection legislation gives you certain rights in relation to your personal data. You  have the right to object to the processing of your personal data in certain circumstances  and to withdraw your consent to the processing of your personal data where this has been  provided. 

10.3 You can also ask us to undertake the following: 

10.3.1 update or amend your personal data if you feel this is inaccurate; 10.3.2 remove your personal data from our database entirely; 

10.3.3 send you copies of your personal data in a commonly used format and transfer  your information to another entity where you have supplied this to us, and we  process this electronically with your consent or where necessary for the  performance of a contract; 

10.3.4 restrict the use of your personal data; and 

10.3.5 provide you with access to information held about you and for this to be  provided in an intelligible form.  

10.4 We may request specific information from you to help us confirm your identity. Data  protection legislation may allow or require us to refuse to provide you with access to some  or all the personal data that we hold about you or to comply with any requests made in  accordance with your rights referred to above. If we cannot provide you with access to  your personal data, or process any other request we receive, we will inform you of the  reasons why, subject to any legal or regulatory restrictions. 

10.5 Please send any requests relating to the above to our Privacy Officer Annette Watt at specifying your name and the action you would like  us to undertake. .  


Where you have provided your consent to the collection, processing and transfer of your  personal data, you may withdraw that consent at any time. This will not affect the  lawfulness of data processing based on consent before it is withdrawn. To withdraw your consent please contact us at


We reserve the right to update this privacy policy at any time, and any changes we make  to our privacy policy will be posted on this page. We will notify you if there are any  changes to this policy that materially affect how we collect, store or process your personal  data. If we would like to use your previously collected personal data for different purposes  than those we notified you about at the time of collection, we will provide you with notice  and, where required by law, seek your consent, before using your personal data for a new  or unrelated purpose. We may process your personal data without your knowledge or  consent where required by applicable law or regulation. 


We have appointed a Data Lead/Privacy Officer to oversee compliance with this privacy  policy. If you have any questions, comments or requests regarding this policy or how we  use your personal data please contact our Privacy Officer at 07525 098750. This is in addition to your right to  contact the Information Commissioners Office if you are unsatisfied with our response to  any issues you raise at 

Last updated: August 2022.