All things privacy

Privacy Policy
Last updated: 13 May 2025

Virtue Mortgage Group Limited (“we”, “our”, “us”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you use our services or visit our website.

For any questions, please contact us at info@virtuemortgages.com.

1. Who We Are

Virtue Mortgage Group Limited is a UK-based mortgage advisory company. We act as a data controller for the personal information you provide to us.

2. What Information We Collect

We may collect and process the following types of personal data:

• Identity Data – Name, date of birth, marital status, and national insurance number.

• Contact Data – Address, email address, and telephone number.

• Financial Data – Income, expenditure, credit history, employment details, bank statements.

• Technical Data – IP address, browser type, and cookies (when using our website).

• Marketing Preferences – Your preferences in receiving marketing from us.

3. How We Use Your Data

We use your personal data to:

• Provide mortgage and financial advice tailored to your circumstances

• Process applications with lenders and providers

• Comply with regulatory and legal obligations

• Communicate with you about your enquiry or application

• Manage our business operations

• Send you marketing communications (where consent has been given)

4. Legal Basis for Processing

We process your data based on the following lawful grounds:

• Consent – Where you have given clear permission.

• Contract – To fulfil our agreement with you.

• Legal Obligation – To comply with laws and regulations.

• Legitimate Interests – For the running of our business or to improve our services.

5. Sharing Your Information

We may share your data with:

• Mortgage lenders and providers

• Credit reference agencies

• Insurance providers (where applicable)

• Compliance consultants and regulators

• IT and cloud storage providers

We will never sell your data.

6. International Transfers

Where we transfer data outside the UK, we ensure appropriate safeguards are in place, such as standard contractual clauses.

7. How We Protect Your Data

We implement suitable technical and organisational measures to secure your personal data from loss, misuse, and unauthorised access.

8. How Long We Keep Your Data

We retain your data in line with regulatory requirements, typically for a minimum of six years after the end of our relationship.

9. Your Data Rights

You have rights under UK GDPR, including:

• The right to access your data

• The right to rectification

• The right to erasure (in some cases)

• The right to object to or restrict processing

• The right to data portability

• The right to withdraw consent at any time

To exercise any of your rights, email us at info@virtuemortgages.com.

10. Cookies

We may use cookies to improve your browsing experience. You can set your browser to refuse all or some cookies.

11. Complaints

If you’re unhappy with how we handle your data, please contact us directly. You also have the right to complain to the Information Commissioner’s Office (ICO):

Website: https://ico.org.uk
Phone: 0303 123 1113

12. Changes to This Policy

We may update this policy from time to time. The latest version will always be available on our website.