Privacy Policy

Equity Release Hub Limited is committed to protecting your privacy and handling your personal data openly and in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This policy explains what we collect, why, and the rights you have over your information.

1. Who we are

Equity Release Hub Limited ("we", "us", "our") operates this website. We are registered in England and Wales, with our registered office at 12 Batley Road, Enfield, Middlesex, EN2 0JG.

For the purposes of data protection law, Equity Release Hub Limited is the data controller responsible for your personal data collected through this website. This website is operated for lead generation purposes — to allow you to make an enquiry about later life lending products, which is then handled personally by Roshan Percy, a qualified adviser.

2. Information we collect

When you submit an enquiry through our website, we collect the information you choose to provide, which typically includes:

• Your name
• Your telephone number
• Your email address
• The product or service you are interested in
• Any additional details you include in your message, such as your age, property value, or financial goals

We may also automatically collect limited technical information when you visit the site, such as your IP address, browser type, and pages viewed, through cookies and similar technologies. See our Cookie Policy for details.

3. How we use your information

We use the personal data you provide to:

• Respond to your enquiry and contact you about the products or services you have expressed interest in
• Provide you with information, guidance, or a follow-up consultation regarding later life lending
• Maintain a record of our communications with you
• Comply with our legal and regulatory obligations

We will only contact you in connection with your enquiry. We do not sell your data, and we do not pass it to third parties for their own marketing.

4. Our lawful basis for processing

Under UK GDPR, we rely on the following lawful bases:

• Consent — when you submit an enquiry, you consent to us using your details to respond to you.
• Legitimate interests — responding to enquiries and providing the service you have requested is within our legitimate interests as a business, balanced against your rights.
• Legal obligation — where we are required to retain certain records to meet regulatory requirements.

5. Who we share your information with

We treat your information confidentially. We may share it only in the following limited circumstances:

• With trusted service providers who help us operate the website and manage enquiries (for example, our form-processing provider and email host), who act on our instructions and are bound to protect your data.
• Where your enquiry progresses to regulated mortgage or equity release advice, your details will be handled within the regulated advice process, which may involve the principal firm under which advice is provided and, with your knowledge, relevant lenders or providers.
• Where we are required to do so by law, regulation, or a regulatory body such as the Financial Conduct Authority.

We never sell your personal data to anyone.

6. How long we keep your information

We keep your personal data only for as long as necessary for the purposes set out in this policy. If your enquiry does not proceed, we will retain your details for a reasonable period in case you contact us again, and then securely delete them. Where your enquiry leads to regulated advice, records are retained in line with the regulatory requirements that apply to that advice, which may be a number of years.

7. Your data protection rights

Under UK GDPR you have the right to:

• Access — request a copy of the personal data we hold about you.
• Rectification — ask us to correct information that is inaccurate or incomplete.
• Erasure — ask us to delete your personal data in certain circumstances.
• Restriction — ask us to limit how we use your data.
• Objection — object to our processing of your data in certain circumstances.
• Portability — request transfer of your data in a structured, machine-readable format.
• Withdraw consent — where we rely on consent, you may withdraw it at any time.

To exercise any of these rights, please contact us using the details below. You also have the right to complain to the Information Commissioner's Office (ICO), the UK's data protection regulator, at ico.org.uk or on 0303 123 1113.

8. How we protect your information

We take appropriate technical and organisational measures to keep your personal data secure and to protect it against unauthorised access, loss, or misuse. Enquiries submitted through our website are transmitted securely, and access to your information is limited to those who need it to respond to you.

9. Cookies

Our website uses cookies and similar technologies. For full details of what we use and how to manage your preferences, please see our Cookie Policy.

10. Changes to this policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review it periodically.

11. How to contact us