Data Protection & Privacy Policy

Here at Transform Money we understand that protecting your personal information is of paramount importance. 

Here we explain how we collect, use and store your information. 


Your initial basic information (Name, address, date of birth, telephone number) will be provided to us by a lead provider, however the majority of the information will be collected directly from you. 

This will be mainly verbally but may also include postal applications and information sent via email. 

We may require to also obtain information about you for the purpose of your application from third parties sources, such a credit reference agencies. At the point this may be required, you will be notified and your consent obtained.



During the processing of an application on your behalf your information will be stored in a variety of ways to assist us in securing the right product for you. 

This includes paper files kept in a locked cabinet, mobile devices and on the secure systems used by us. (Website, Hard Drives, emails, cloud facilities)


We are a Credit Broker and  we work with a selected panel of lenders to allow us to find you the best deal for your circumstances.

To allow us to provide the best service to you, we need to collect and share your information with:

Lenders - Your personal information will need to be provided to the appropriate lender in order for them to assess and make a decision to lend. This may be via their online systems, via email or via paper based application. 

Credit Reference Agencies - As part of our initial checks and to ensure we recommend the most suitable product for you, we will conduct a soft credit search. This will not be recorded on your credit file, however when we submit your application to the lender, some lenders may then perform a "Hard" credit search which will be recorded on your credit file. We will obtain your permission prior to this.

Third Parties - there may be occasions whereby we need to share your information with third parties to assist in the processing of your application. This may be your mortgage provider, surveyors/valuers, estate agents, conveyancers where absolutely necessary.


If we feel there are products or services that may be beneficial to you based upon the information you have provided we may contact you in the future to make you aware. You do however have the right to refuse to allow us to contact you in the future and your consent will be obtained prior. 

We may contact you via, telephone, letter, email or text message. If you do not wish to be contacted in a particular way, then you may request this at any time. 


We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.


If you make a complaint we will use your personal information in order to investigate the complaint effectively. 

We have a legal obligation to deal with your complaint appropriately. 


We do not share your information outside of the European Economic Area. 


Your privacy is of utmost importance to us and we shall ensure your information is kept secure at all times. 

We have taken appropriate measures to ensure the safeguarding of your information from being lost, damaged, destroyed, or being used unlawfully by a third party. 


Your Information  will be retained either electronically or in paper format for a minimum of six years and possibly for a longer period where this is required to enable our Principal to fulfil his legal and regulatory obligations. 


  • Access to your personal information under a subject access request.
  • Right to have your information held with us corrected if you find any errors in the details we hold. 
  • Right to refuse any information requested at any time although you must be aware that any refusal may mean we are unable to assist you with your enquiry. 
  • Right to have the information we hold about you removed at any time
  • Right to change the consent provided in the way we may market you in the future


We record all calls for training and monitoring purposes only. 

We will retain call recording for a period of 6 years. 


If you have any questions or queries in relation to how we use your personal information, please do not hesitate to contact us:

Data Protection Officer -

Write to us at:

Data Protection Officer

42 Grange Park Road, 

Bromley cross, 



If you have any concerns or complaints as to how we have handled your Information,  you may make a complaint with the UK's data protection regulator, the ICO.  

They can be contacted through their website at or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.