Privacy Policy

Last updated: August 2026.

WHO WE ARE

The data controller for the personal data described in this policy is City Finance Brokers Ltd (trading as Propertyze), registered in England and Wales, company number 09881116. Registered office: Tower 42, 25 Old Broad Street, London EC2N 1HN. City Finance Brokers Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 766295). We are registered with the Information Commissioner's Office (ICO) under registration numbers ZA317175 and ZB301879. If you have any questions about this policy or your personal data, contact support@propertyze.co.uk. A copy of this notice is also available as a PDF on our client documents page.

WHY SHOULD YOU READ THIS DOCUMENT?

During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.

WHAT DO WE MEAN BY “YOUR PERSONAL DATA”?

Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

In the context of providing you with assistance in relation to your mortgage or finance requirements Your Personal Data may include:

Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
Any pre-existing mortgage, finance or insurance products and the terms and conditions relating to these

THE BASIS UPON WHICH OUR FIRM WILL DEAL WITH YOUR PERSONAL DATA

When we speak with you about your mortgage, finance and insurance requirements we do so on the basis that both parties are entering a contract for the supply of services.

In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.

On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.

THE BASIS UPON WHICH WE WILL PROCESS CERTAIN PARTS OF YOUR PERSONAL DATA

Where you ask us to assist you with your needs, we may ask you information about your ethnic origin and your health (Your Special Data). We will record and use Your Special Data to make enquiries that may meet your needs and to provide you with advice regarding the suitability of any product that may be available to you.

If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.

The arrangement of certain types of finance and/or insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to related activities such as underwriting and fraud management.

We will use Your Special Data and any Criminal Disclosures in the same way as we use Your Personal Data generally, as set out in this Privacy Notice. Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between intermediaries such as our Firm and providers.

HOW DO WE COLLECT YOUR PERSONAL DATA?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgages, finance and insurance. You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

WHAT HAPPENS TO YOUR PERSONAL DATA WHEN IT IS DISCLOSED TO US?

In the course of handling Your Personal Data, we will:

Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.
Submit Your Personal Data to Product Providers/Mortgage Lenders/Commercial Lenders and/or Insurance Product providers, both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.
Use Your Personal Data for the purposes of responding to any queries you may have in relation to any mortgage, finance product or insurance policy you may take out, or to inform you of any developments in relation to those products and/or polices of which we might become aware.

ARTIFICIAL INTELLIGENCE (AI)

AI is the development of computer systems that can perform tasks, typically requiring human intelligence, often by processing large amounts of data to achieve goals. To enhance the quality, efficiency, and accuracy of our services, we may on occasion use AI to assist with:

Recording and transcribing meetings, although you can opt out of being recorded
Generating meeting notes and summaries
Drafting correspondence and documentation
Conducting checks for compliance with internal procedures

We are committed to protecting your privacy and ensuring that any information processed is handled securely. If you have any questions or concerns about the AI we use in relation to your personal information, please contact us directly.

From time to time Your Personal Data will be shared with:

Mortgage lenders / Finance lenders / Insurance providers
Third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our compliance advisers, product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).

In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your mortgage/finance and/or insurance enquiry and to provide you with our professional services.

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.

Your Personal Data is stored in the United Kingdom or the European Economic Area. Our customer relationship system, Propertyze CRM, runs on our own equipment in the United Kingdom. We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom or the European Economic Area, except that Google services used on our website (Analytics, Maps and fonts) may transfer limited data, such as your IP address, to Google servers in the United States under the UK-US Data Bridge or equivalent safeguards.

SECURITY AND RETENTION OF YOUR PERSONAL DATA

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.

Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to retain such information and records indefinitely.

YOUR RIGHTS IN RELATION TO YOUR PERSONAL DATA

Your Personal Data is protected by legal rights, which include the following rights to be:

Informed — about the collection and use of your personal data
Access — to access and receive a copy of your personal data and other supplementary information
Rectification — to have inaccurate personal data rectified, or completed if incomplete
Erasure — to have your personal data erased
Restrict processing — to request the restriction or suppression of your personal data
Portability — to obtain and reuse your personal data for your own purposes across different services
Object — to the processing of your personal data, including an absolute right to stop your data being used for direct marketing
Automated decision-making and profiling — to object to your data being used for automated decision-making (without human involvement) or profiling (automated analysis of your personal data)

HOW TO MAKE CONTACT WITH OUR FIRM IN RELATION TO THE USE OF YOUR PERSONAL DATA

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:

The Compliance Director on 020 3950 2985 or info@cfbrokers.co.uk, or Propertyze directly at support@propertyze.co.uk.

If we feel we have a legal right not to deal with your request, or to action it in a different way to how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal
Data, so that we may investigate and fulfil our own regulatory obligations.

Complaining about how we have handled your personal data

If you have a concern or complaint about how we have handled Your Personal Data, you can raise it with us directly. Email support@propertyze.co.uk with ‘Data protection complaint’ in the subject line, or write to us at the postal address given above. Please tell us what happened, when, and what you would like us to put right.

When you complain to us about your personal data, we will:

acknowledge your complaint within 30 days of receiving it;
investigate it without undue delay, and ask you promptly for anything further we need in order to do so;
tell you the outcome — what we found, what we have done or decided, and why; and
keep a record of the complaint and how it was resolved.

You do not have to complain to us first, but it is usually the quickest way to get the matter resolved.

If you are not satisfied with our response, or you would rather go straight to the regulator, you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

This procedure covers complaints about personal data only. Complaints about advice, service or a mortgage application follow a separate route — see how to complain.

Our website

When you submit an enquiry form on propertyze.co.uk we collect the details you provide (name, phone number, email address and your message) so that an adviser can respond to your enquiry. These details are stored in our own customer relationship system, Propertyze CRM, which runs on our own equipment in the United Kingdom. We rely on your consent — given via the checkbox on each form — as the lawful basis for contacting you. We keep enquiry details for as long as needed to deal with your enquiry and for a reasonable period afterwards.

With your consent we also use Google Analytics to understand how the site is used — see our cookie policy for how to accept, decline or change this at any time. Pages that embed Google Maps or load fonts from Google may transfer your IP address to Google when they load.