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Privacy Policy

At Richards & Logic, we take your privacy seriously. This policy explains how MarketMedia Ltd ("we", "us") collects and uses your personal data.

1. Who We Are

MarketMedia Ltd is the data controller. Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd. Our registered office is 86-90 Paul Street, London, EC2V 4NE.

You can verify Echo Finance Limited on the FCA Financial Services Register at register.fca.org.uk.

2. The Data We Collect

We collect information necessary to handle your enquiry and, where appropriate, provide you with regulated mortgage advice through our authorised adviser, including:

  • Contact details (name, address, email, phone)
  • Financial information (income, bank statements, tax returns, liabilities)
  • Employment details (retained profits, dividends, day rates)
  • Identity verification documents (passport/driving license)
  • Special category data (health information if relevant to protection policies)

3. Why We Need Your Data

We process your data on the following legal bases:

  • Contractual Necessity: To respond to your enquiry and provide the service you request.
  • Legal Obligation: To meet applicable legal, regulatory and record-keeping requirements.
  • Legitimate Interests: To improve our services and manage our business relationships.

4. Sharing Your Data

We may share your information with:

  • Echo Finance Limited: The FCA authorised principal firm (FRN 570073) under which regulated mortgage advice is provided.
  • Mortgage Lenders: Where needed by the regulated adviser as part of your mortgage enquiry or application.
  • Credit Reference Agencies: To assess your creditworthiness.
  • Twenty (CRM): Our lead management system.
  • Regulatory Bodies: The FCA or Information Commissioner's Office (ICO).

5. Data Retention

We may keep enquiry records for up to 7 years to handle future queries, complaints or legal requirements. Echo Finance Limited will explain its own retention periods where it provides regulated advice.

6. Your Rights

Under GDPR, you have the right to:

  • Access the data we hold about you.
  • Request correction of inaccurate data.
  • Request deletion of data (where legal obligations don't require retention).
  • Object to processing based on legitimate interests.

To exercise these rights, please contact us at hello@complexincome.mortgage.

7. How to Complain

If you are unhappy with how we handle your data, you can complain to the Information Commissioner's Office (ICO) at ico.org.uk.