The Money Advice Centre Ltd ("TMAC", "we", "us" or "our") respects your privacy. This policy explains how we handle personal information when you visit our website, make an enquiry, or communicate with us. We process personal information in accordance with UK data protection law, including the UK GDPR and Data Protection Act 2018.
1. Who we are
The Money Advice Centre Ltd is registered in England and Wales (company number 14186998). Registered office: 7 St. Petersgate, Stockport, SK1 1EB. ICO data protection registration: ZB432317. FCA register reference: 1003359. You can check our details on the Financial Services Register.
We act as an Introducer Appointed Representative of FCA-authorised firms. We introduce customers to authorised brokers; we do not lend, provide regulated financial advice, or assess and approve loan applications. We are generally the controller of the personal data we collect for our own introduction and enquiry activities. A broker receiving an introduction will normally be a separate controller and will provide its own privacy information.
2. Information we collect
Depending on your enquiry, we may collect your name, title, date of birth, contact details, address and postcode, homeowner status, requested loan amount, loan purpose, information you choose to share about your circumstances, communications, enquiry history, marketing preferences and consent records.
We may receive your details directly from you or from an enquiry or lead-generation partner where you have requested an introduction or agreed to be contacted. We may also collect limited technical information such as device, browser, IP address and website interaction data where relevant.
Please avoid sending sensitive personal information unless it is necessary and we have explained why it is needed.
3. How we use your information
- To receive, understand and respond to your enquiry.
- To contact you about the enquiry by appropriate channels, including telephone, SMS, email or WhatsApp where permitted.
- To share relevant details with an FCA-authorised broker when you ask us to arrange an introduction.
- To administer records, manage customer service and maintain the security of our systems.
- To comply with legal obligations, respond to complaints and establish or defend legal claims.
- To analyse and improve our website and services, subject to applicable cookie and privacy requirements.
4. Our lawful bases
We rely on different lawful bases depending on the activity. These may include legitimate interests in handling enquiries and running our business (balanced against your rights); consent where required, such as certain marketing or optional tracking; and legal obligations where records or disclosures are required by law. Where applicable, we may process information to take steps at your request before entering into a contract.
Contacting you about an enquiry you have made is distinct from sending unrelated promotional marketing. We will not treat submission of an enquiry as blanket consent to unrelated marketing.
5. Who we share information with
We may share necessary information with FCA-authorised brokers and other regulated partners involved in your enquiry; our principal firm where required; lead-source partners where necessary to manage an enquiry; and service providers supporting website hosting, email, messaging, integrations, security and analytics, where applicable. Hubsolv is the CRM system we use to manage customer enquiries, records and related communications. We do not use any other CRM system. We may also disclose information where legally required.
Our service providers must handle personal information under appropriate contractual and security safeguards. An authorised broker may contact you about the enquiry and will be responsible for its own assessment, advice where applicable, and lending arrangements.
6. Our CRM system — Hubsolv
We use Hubsolv as our sole customer relationship management (CRM) system. Hubsolv helps us securely record and manage enquiry details, customer contact information, communication history, introductions and related administration. Access is restricted to authorised personnel and relevant service providers as necessary to deliver and support our services.
Hubsolv is a service provider supporting our handling of personal information. Other providers may separately support website hosting, email delivery, messaging or technical integrations; these are not additional CRM systems.
7. Communications and marketing
We may contact you about your existing enquiry using the details you provide and channels permitted by law. Any separate direct marketing will be subject to applicable UK GDPR and electronic marketing rules. You can ask us to stop marketing at any time by emailing info@themoneyadvicecentre.com or using the opt-out method in a message. Opting out of marketing does not necessarily prevent essential communications about an active enquiry.
8. Retention
We keep personal information only as long as reasonably necessary for the purpose for which it was collected, including applicable legal, regulatory, accounting and complaint-handling needs. Some enquiry and transaction records may need to be retained for up to six years, or longer where justified by a specific legal requirement or dispute. Other information may be deleted sooner. Our retention periods depend on the nature and outcome of the enquiry.
9. Security and international transfers
We use appropriate organisational and technical safeguards, including access controls and secure systems, to protect personal information. No online service can guarantee absolute security.
Some service providers may process information outside the UK. Where UK data protection law requires it, we use appropriate transfer safeguards, such as UK adequacy regulations or approved contractual protections.
10. Cookies and website analytics
We use strictly necessary technologies to operate our website. With your permission, we also intend to use Google Analytics to understand website visits and performance, and Meta Pixel to measure advertising effectiveness and help us understand actions taken after viewing advertisements on Facebook or Instagram.
These optional tools may use cookies or similar technologies to collect information such as page visits, device and browser details, approximate location derived from IP address, and interactions with our website. Google and Meta may process this information under their own privacy terms. We do not activate these optional tracking technologies unless you give the relevant consent.
When you first visit, you can accept all optional cookies, reject them, or choose analytics and advertising separately. You can change or withdraw your choice at any time using the Cookie settings link in the website footer. Withdrawing consent will prevent future optional tracking on this website but may not erase data already collected by third parties; you can also use your browser settings to remove stored cookies.
We will update this information if our tracking providers or purposes change. For further information, see the privacy information published by Google and Meta.
11. Your data protection rights
Subject to applicable conditions and exemptions, you may ask to access, correct, erase, restrict or transfer your personal information; object to certain processing; and withdraw consent where consent is the lawful basis. You can exercise these rights by contacting info@themoneyadvicecentre.com.
You also have the right to complain to the Information Commissioner's Office (ICO). We would welcome the opportunity to address your concern first.
12. Other websites and changes
Links to third-party websites are provided for convenience. Their privacy practices are governed by their own notices. We may update this policy to reflect changes in our services, technology or legal requirements, and will publish the updated version here.
13. Contact us
The Money Advice Centre Ltd
7 St. Petersgate, Stockport, SK1 1EB
Email: info@themoneyadvicecentre.com
Telephone: 01625 801209