Legal
Privacy Policy
Last updated: 1 January 2025
1. Who We Are
MortgageBloc Limited ("we", "us", "our") is registered in England and Wales (No. 12844126). We are the data controller for personal data processed through our website and platform. Contact: privacy@mgb.ai.
2. Data We Collect
- Contact data: name, email, phone, job title, employer
- Account data: login credentials, preferences, activity logs
- Applicant data: identity documents, financial transaction data, supporting documentation
- Usage data: IP address, browser type, pages visited
- Communications data: records of correspondence with our team
3. How We Use Your Data
- Providing and improving the MortgageBloc platform
- Verifying identity and performing KYC/AML checks
- Processing mortgage applications on behalf of lenders
- Communicating about your account or the Service
- Complying with legal and regulatory obligations
4. Legal Basis for Processing
- Contract: processing necessary to perform our services
- Legal obligation: compliance with FCA regulations and AML requirements
- Legitimate interests: fraud prevention and service improvement
- Consent: for marketing and non-essential cookies
5. Data Sharing
We do not sell personal data. We may share data with Plaid Financial Ltd., identity verification providers, cloud infrastructure providers, and regulatory authorities where required by law.
6. Data Retention
We retain data only as long as necessary or as required by law. Account data is deleted within 90 days of account closure upon request.
7. Your Rights
Under UK GDPR you have the right to access, rectify, erase, restrict, port, and object to processing of your personal data. Contact privacy@mgb.ai to exercise these rights.
8. Cookies
See our Cookie Policy for full details.
9. Security
We implement encryption at rest and in transit, access controls, and regular security assessments to protect personal data.
10. Contact & Complaints
Contact privacy@mgb.ai. You may also complain to the ICO at ico.org.uk.