Privacy Policy

1. Who We Are

MarketMedia Ltd is the data controller. We are an Appointed Representative of Echo Finance Ltd. Our registered office is 86-90 Paul Street, London, EC2V 4NE.

2. The Data We Collect

We collect information necessary to provide mortgage advice, 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 assess your eligibility and arrange a mortgage.
• Legal Obligation: To comply with FCA rules and Anti-Money Laundering (AML) regulations.
• Legitimate Interests: To improve our services and manage our business relationships.

4. Sharing Your Data

We may share your information with:

• Echo Finance Ltd: Our Principal firm for compliance oversight.
• Mortgage Lenders: To secure your mortgage offer.
• 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 are required by the FCA to keep records of our advice for a minimum of 6 years after the mortgage completes. In practice, we may keep records for up to 7 years to handle any future complaints or legal requirements.

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 help@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.