Azure Financial

Privacy Policy

This privacy policy applies between you, the User of this Website, and Azure Financial, the owner and provider of this Website. Azure Financial takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to your use of the Website.

Please read this privacy policy carefully.

Definitions and Interpretation

In this privacy policy, the following definitions are used:

• Data: collectively all information that you submit to Azure Financial via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;
• Cookies: a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below (Cookies);
• Data Protection Laws: any applicable law relating to the processing of personal Data, including but not limited to the Data Protection Act 2018, the UK General Data Protection Regulation (UK GDPR), and any national implementing laws, regulations, and secondary legislation, as amended or updated from time to time, in the UK;
• Azure Financial, or us: Azure Financial, the trading style of Mortgages 4 U (NE) Ltd, a company incorporated in England and Wales whose registered office is at 10 Windmill Court, Newcastle upon Tyne, NE12 7BG;
• UK and EU Cookie Law: the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011;
• User or you: any third party that accesses the Website and is not either (i) employed by Azure Financial and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Azure Financial and accessing the Website in connection with the provision of such services; and
• Website: the website that you are currently using, https://azurefinancial.co.uk/, and any sub-domains of this site unless expressly excluded by their own terms and conditions.

In this privacy policy, unless the context requires a different interpretation:

• the singular includes the plural and vice versa;
• references to sub-clauses, clauses, schedules, or appendices are to sub-clauses, clauses, schedules, or appendices of this privacy policy;
• a reference to a person includes firms, companies, government entities, trusts, and partnerships;
• "including" is understood to mean "including without limitation";
• reference to any statutory provision includes any modification or amendment of it;
• the headings and sub-headings do not form part of this privacy policy.

Scope of This Privacy Policy

This privacy policy applies only to the actions of Azure Financial and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website, including but not limited to, any links we may provide to social media websites.

For purposes of the applicable Data Protection Laws, Azure Financial is the "data controller". This means that Azure Financial determines the purposes for which, and the manner in which, your Data is processed.

Data Collected

We may collect the following Data, which includes personal Data, from you:

• Name;
• Contact information such as email addresses and telephone numbers;
• Demographic information such as postcode, preferences, and interests;
• IP address (automatically collected);
• Web browser type and version (automatically collected);
• Operating system (automatically collected);

in each case, in accordance with this privacy policy.

How We Collect Data

We collect Data in the following ways:

• Data is given to us by you;
• Data is received from other sources; and
• Data is collected automatically.

Data That Is Given to Us by You

Azure Financial will collect your Data in a number of ways, for example:

• When you contact us through the Website, by telephone, post, email, or through any other means;
• When you use our services;

in each case, in accordance with this privacy policy.

Data That Is Received from Third Parties

Azure Financial will receive Data about you from the following third parties:

• Website tracking applications.

Data That Is Received from Publicly Available Third-Party Sources

We will receive Data about you from the following publicly available third-party sources:

• Facebook and Twitter.

Data That Is Collected Automatically

To the extent that you access the Website, we will collect your Data automatically, for example:

• We automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation and includes your IP address, the date, times, and frequency with which you access the Website, and the way you use and interact with its content.
• We will collect your Data automatically via Cookies, in line with the cookie settings on your browser. For more information about Cookies, and how we use them on the Website, see the section below, headed "Cookies".

Our Use of Data

Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:

• Internal record keeping;
• Improvement of our products/services;
• Transmission by email of marketing materials that may be of interest to you;
• Contact for market research purposes, which may be done using email, telephone, or mail. Such information may be used to customise or update the Website.

in each case, in accordance with this privacy policy.

We may use your Data for the above purposes if we deem it necessary for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed "Your Rights" below).

For the delivery of direct marketing to you via email, we'll need your consent, whether via an opt-in or soft opt-in:

• Soft opt-in consent is a specific type of consent which applies when you have previously engaged with us (for example, you contact us to ask for more details about a particular product/service, and we are marketing similar products/services). Under "soft opt-in" consent, we will take your consent as given unless you opt out.
• For other types of e-marketing, we are required to obtain your explicit consent; that is, you need to take positive and affirmative action when consenting by, for example, ticking a box that we'll provide.
• If you are not satisfied with our approach to marketing, you have the right to withdraw consent at any time. To find out how to withdraw your consent, see the section headed "Your Rights" below.

Who We Share Data With

We may share your Data with the following groups of people for the following reasons:

• Our employees, agents, and/or professional advisers – for contact, administrative, and marketing purposes;

in each case, in accordance with this privacy policy.

Keeping Data Secure

We will use technical and organisational measures to safeguard your Data, for example:

• Access to your account is controlled by a password and a username that is unique to you.
• We store your Data on secure servers.

Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss of, or unauthorised access to, your Data, please let us know immediately by contacting us via this email address: usman@azurefinancial.co.uk.

If you want detailed information on how to protect your information and your computers and devices against fraud, identity theft, viruses, and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

Data Retention

Unless a longer retention period is required or permitted by law, we will only hold your Data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy or until you request that the Data be deleted.

Even if we delete your Data, it may persist on backup or archival media for legal, tax, or regulatory purposes.

Your Rights

You have the following rights in relation to your Data:

• Right to access – the right to request copies of the information we hold about you at any time, or that we modify, update, or delete such information. We will not charge you for this unless your request is "manifestly unfounded or excessive." Where we are legally permitted to do so, we may refuse your request and will inform you of the reasons why.
• Right to correct – the right to have your Data rectified if it is inaccurate or incomplete.
• Right to erase – the right to request that we delete or remove your Data from our systems.
• Right to restrict our use of your Data – the right to "block" us from using your Data or limit the way in which we can use it.
• Right to data portability – the right to request that we move, copy, or transfer your Data.
• Right to object – the right to object to our use of your Data including where we use it for our legitimate interests.

To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data, please contact us via this email address: usman@azurefinancial.co.uk.

If you are not satisfied with the way a complaint you make in relation to your Data is handled, you may be able to refer your complaint to the relevant data protection authority. In the UK, this is the Information Commissioner's Office (ICO). The ICO's contact details can be found on their website at https://ico.org.uk/.

It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.

Transfers Outside the European Economic Area

Data that we collect from you may be stored and processed in, and transferred to, countries outside of the UK and European Economic Area (EEA). For example, this could occur if our servers are located in a country outside the UK or EEA, or one of our service providers is situated in a country outside the UK or EEA.

We will only transfer Data outside the UK or EEA where it is compliant with data protection legislation and the means of transfer provides adequate safeguards in relation to your Data—for example, by way of data transfer agreement incorporating standard contractual clauses approved by the UK Information Commissioner's Office or European Commission.

To ensure that your Data receives an adequate level of protection, we have put in place appropriate safeguards with the third parties we share your Data with, ensuring it is treated in a way that is consistent with the Data Protection Laws.

Links to Other Websites

This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for their content. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.

Changes of Business Ownership and Control

Azure Financial may, from time to time, expand or reduce our business, and this may involve the sale and/or the transfer of control of all or part of Azure Financial. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part, and the new owner or controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.

We may also disclose Data to a prospective purchaser of our business or any part of it.

In these instances, we will take steps to ensure your privacy is protected.

Cookies

This Website may place and access certain Cookies on your computer. Azure Financial uses Cookies to improve your experience of using the Website. Azure Financial has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.

All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.

Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling Azure Financial to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however, certain features of the Website may not function fully or as intended.

This Website may place the following Cookies:

Type of Cookie: Analytical/Performance Cookies

• Purpose: They allow us to recognise and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our Website works, for example, by ensuring that users find what they are looking for easily.

You can find a list of Cookies that we use in the Cookies Schedule.

You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies, but you can change this setting. For further details, please consult the help menu in your internet browser.

You can choose to delete Cookies at any time; however, you may lose any information that enables you to access the Website more quickly and efficiently, including personalisation settings.

It is recommended that you ensure your internet browser is up to date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.

For more information on cookies, including how to disable them, please refer to www.aboutcookies.org. You will also find details on how to delete cookies from your computer.

General

You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.

If any court or competent authority finds that any provision of this privacy policy is invalid, illegal, or unenforceable, that provision or part-provision will, to the extent required, be deemed deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected.

Unless otherwise agreed, no delay, act, or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.

This Agreement will be governed by and interpreted according to the law of England and Wales. All disputes arising under the Agreement will be subject to the exclusive jurisdiction of the English and Welsh courts.

Changes to This Privacy Policy

Azure Financial reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website, and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations.

You may contact Azure Financial by email at usman@azurefinancial.co.uk or by phone on 0191 6257131.

Date of Last Update: 30 October 2024

Cookies Schedule

Below is a list of the Cookies that we use. We have tried to ensure this is complete and up to date, but if you think we have missed a Cookie or there is any discrepancy, please let us know.

Analytical/Performance Cookies

• Third-Party Cookie – for analytical purposes through website tracking applications.
• Third-Party Cookie – for commercial purposes through social media platforms.