Privacy Policy

Your Privacy Matters to Us

CIK Financial Ltd is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains how we collect, use, store and protect your personal data when you interact with us, including when you visit our website, contact us, or receive mortgage advice from us.

Last updated: December 2025

Who We Are

CIK Financial Ltd is a mortgage advisory firm.

CIK Financial Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FCA).

For the purposes of UK data protection law, CIK Financial Ltd is the data controller.

Contact details:
Email: Kieran@cikfinance.co.uk
Telephone: 07966 279279
Address: 7 Marigold Way, Daventry, Northamptonshire, NN11 4GQ

If you have concerns about how your data is handled, you also have the right to complain to the Information Commissioner’s Office (ICO).

What Information We Collect

We may collect and process personal information including, but not limited to:

  • Contact details (name, address, email address and telephone number)

  • Date of birth

  • Employment and income information

  • Financial information relevant to mortgage advice

  • Property details and mortgage requirements

  • Identification and verification documents (where required)

  • Information you provide via forms, emails, calls or meetings

  • Website usage data (see Cookies section)

We only collect information that is necessary to provide mortgage advice and related services, or to meet legal and regulatory requirements.

How We Use Your Information

We use your personal data to:

  • Provide mortgage advice and related services

  • Assess suitability, affordability and eligibility

  • Communicate with you about your enquiry, advice or application

  • Carry out identity verification and help prevent fraud, where required

  • Comply with legal, regulatory and compliance obligations

  • Improve our services and website

  • Respond to queries or complaints

We do not use your data for purposes that are incompatible with these aims.

Lawful Basis for Processing

Under UK data protection law, we must have a lawful basis for processing your personal data. Depending on the circumstances, this may include:

  • Contract – where processing is necessary to provide advice or services you request

  • Legal obligation – where we must comply with regulatory requirements

  • Legitimate interests – where processing is necessary to operate our business and provide services appropriately, provided your rights do not override these interests

  • Consent – where you have given clear permission (for example, for certain communications)

Where We Get Your Data From

Most of the information we process will come directly from you. We may also receive information from third parties where relevant, including:

  • Mortgage lenders and product providers

  • Credit reference and fraud prevention agencies

  • Introducers or referral partners, where applicable

  • Employers, accountants or other professional advisers, where appropriate

  • Technology platforms used to support applications and document handling

Credit Reference & Fraud Prevention Checks

Depending on your circumstances and the lender involved, credit reference and fraud prevention checks may be carried out as part of an enquiry or application. The type of check may depend on the stage of the process and the lender’s requirements.

Sharing Your Information

We may share your information with trusted third parties where necessary, including:

  • Mortgage lenders and product providers

  • Surveyors and valuation providers

  • Credit reference and fraud prevention agencies

  • Compliance and regulatory bodies

  • Service providers who support our business operations (such as secure document storage, customer relationship management systems, email and communication tools and analytics services)

We only share information that is necessary for the relevant purpose and ensure appropriate safeguards are in place.

We do not sell your personal data to third parties.

International Transfers

Some of our service providers may store or process data outside the UK. Where this occurs, we ensure appropriate safeguards are in place in line with UK data protection requirements to protect your personal information.

How We Store and Protect Your Data

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, alteration or misuse.

Access to personal data is restricted to authorised individuals who need it to perform their role, and information is stored using secure systems and processes.

How Long We Keep Your Data

We retain personal data only for as long as necessary to provide advice and services and to meet legal, regulatory and compliance obligations.

Records are retained in line with FCA record-keeping requirements.

Marketing Communications

We may contact you with information that is relevant to your enquiry or ongoing relationship with CIK Financial Ltd. You can opt out of receiving such communications at any time by contacting us directly.

Your Rights

Under UK data protection law, you have rights including:

  • The right to access your personal data

  • The right to correct inaccurate or incomplete information

  • The right to request deletion of your data, where applicable

  • The right to restrict or object to certain processing

  • The right to data portability, where applicable

  • The right to withdraw consent, where consent is the lawful basis

You also have the right to complain to the Information Commissioner’s Office (ICO).

Automated Decision-Making

CIK Financial Ltd does not make decisions about you based solely on automated processing where that decision would have a legal or similarly significant effect.

Cookies and Website Data

Our website uses cookies to help improve functionality and understand how visitors use the site.

Further information can be found in our Cookie Policy.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing personal information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation or our practices. The latest version will always be available on our website.

Contact Us

If you have any questions about this Privacy Policy or how your personal data is handled, please contact us using the details above.