Privacy Policy

1. Introduction

Remigo is a trading style of Kris Perryman (FCA Reg: 1050238), who is an Appointed Representative of New Leaf Distribution Ltd (FCA Reg: 460421), authorised and regulated by the Financial Conduct Authority.

We are committed to protecting your privacy and handling your personal data in an open and transparent manner. This privacy policy explains how we collect, use, share, and protect your personal information when you use our website, services, or interact with us. It also explains your rights under UK data protection laws.

We are registered with the Information Commissioner's Office (ICO) under registration number: ZC028968.

2. Who We Are (Data Controller)

For the purposes of UK data protection laws, the data controller is:

Kris Perryman trading as Remigo
Head Office: Garfield House, 165–167 High Street, Rayleigh, Essex SS6 7QA
FCA Registration: 1050238 (Appointed Representative of New Leaf Distribution Ltd, FCA 460421)
Email: hello@remigo.co.uk
Phone: 0330 024 2828

3. What Personal Data We Collect

3.1 Information You Provide to Us

• Contact details: Full name, phone number, email address, postal address
• Financial information: Property value, mortgage requirements, income details, employment status, existing mortgage details, credit history
• Personal circumstances: Dependents, age, marital status, reasons for seeking mortgage advice
• Identification documents: Proof of identity, proof of address, bank statements, payslips, tax returns (SA302s), company accounts
• Communication records: Records of phone calls, emails, messages, and meetings with our advisers

3.2 Information We Collect Automatically

• Website usage data: IP address, browser type, device information, pages visited, time spent on pages, referring website
• Cookies and tracking: See our Cookie Policy for full details

3.3 Information from Third Parties

• Credit reference agencies: Credit scores, credit history, fraud prevention data
• Lenders and product providers: Application status, product details, eligibility information
• Land Registry: Property ownership information

4. How We Use Your Personal Data

4.1 To Provide Mortgage and Protection Advice

We process your data to assess your circumstances, search for suitable mortgage and protection products, make recommendations, submit applications to lenders, and manage your case through to completion.

Legal basis: Contract performance and legitimate interests.

4.2 To Comply with Legal and Regulatory Obligations

As an FCA-regulated firm, we must keep records of our advice, conduct suitability assessments, prevent money laundering, and maintain compliance with mortgage regulations.

Legal basis: Legal obligation (FCA regulations, anti-money laundering laws).

4.3 To Communicate with You

We use your contact details to respond to enquiries, provide updates on your application, send appointment reminders, and provide post-sale service.

Legal basis: Contract performance and legitimate interests.

4.4 For Marketing Purposes

With your explicit consent, we may send you marketing communications about our services, market updates, remortgage reminders, and protection reviews. You can opt out at any time.

Legal basis: Consent (which you can withdraw at any time).

4.5 To Improve Our Website and Services

We analyse website usage data to understand how visitors interact with our site, improve user experience, and measure the effectiveness of our services.

Legal basis: Legitimate interests and consent (for non-essential cookies).

5. Who We Share Your Personal Data With

We may share your personal data with:

• New Leaf Distribution Ltd — our principal firm, who may process your data as part of regulatory oversight
• Mortgage lenders and product providers — when submitting applications on your behalf
• Protection/insurance providers — when arranging insurance policies
• Credit reference agencies — Experian, Equifax, and TransUnion for credit checks
• Regulatory authorities — the FCA, Financial Ombudsman Service, or other bodies if required by law
• Third-party service providers — CRM, hosting, email, analytics and document storage services
• Legal and professional advisers — solicitors, accountants, auditors where necessary

We do not sell your personal data to third parties.

6. How Long We Keep Your Data

• Client records and advice files: Minimum 6 years from the end of our relationship (FCA requirement)
• Marketing communications: Until you opt out or withdraw consent
• Website analytics data: Up to 26 months
• Enquiries that don't proceed: Up to 3 years, then securely deleted

7. How We Keep Your Data Secure

We have implemented appropriate technical and organisational measures to protect your data, including:

• Encrypted transmission of data over HTTPS
• Secure storage in password-protected, encrypted systems
• Access controls ensuring only authorised personnel can access your data
• Regular security updates and patches
• Staff training on data protection and information security
• Secure disposal of data when no longer needed

8. Your Data Protection Rights

Under UK data protection laws, you have the right to:

• Access — request a copy of the personal data we hold about you
• Rectification — ask us to correct inaccurate or incomplete data
• Erasure — ask us to delete your data in certain circumstances
• Restrict processing — ask us to limit how we use your data
• Data portability — request your data in a machine-readable format
• Object — object to processing based on legitimate interests or for direct marketing
• Withdraw consent — where processing is based on consent

To exercise any of these rights, contact us using the details below. We will respond within one month.

9. Cookies

We use cookies on our website. For full details about which cookies we use and how to manage your preferences, please see our Cookie Policy.

10. Contact Us

If you have questions about this privacy policy or want to exercise your data protection rights:

Email: hello@remigo.co.uk
Phone: 0330 024 2828
Post: Kris Perryman trading as Remigo, Garfield House, 165–167 High Street, Rayleigh, Essex SS6 7QA

Right to Complain

If you're not satisfied with how we've handled your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

Website: ico.org.uk
Phone: 0303 123 1113
Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

11. Changes to This Privacy Policy

We may update this privacy policy from time to time. When we make significant changes, we will update the “Last updated” date at the top of this page. We encourage you to review this policy periodically.