Privacy Policy

Effective Date: 16.06.2025
Registered Office: 110–112 Lancaster Road, Barnet, England, EN4 8AL
Email: hello@yolomoney.co.uk
Company Registration Number: 16183730

Yolo Money Ltd (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal data when you engage with us through our website, services, or interactions.

1. What Personal Data We Collect

We may collect and process the following categories of personal data:

A. Identity & Contact Data

• Full name

• Date of birth

• Gender

• Residential address

• Email address

• Phone number

B. Financial Data

We collect detailed financial information necessary for mortgage and financial suitability assessments, including:

• Bank account details

• Credit report and credit score

• Mortgage details (current or historic)

• Loan and credit card balances

• Employment status and income

• Pensions and benefits information

• Outgoings and regular expenses

• Savings and investments

• Proof of deposit (e.g. bank statements or gift confirmations)

• Previous and current mortgage products

• Financial commitments (e.g. car leases, student loans)

C. Technical Data

• IP address

• Browser type and version

• Operating system

• Device information

D. Usage Data

• Interaction history with our website

• Completed forms, tools, or calculators

• Click-through and engagement analytics

E. Marketing & Communication Preferences

• Your opt-in or opt-out status for marketing messages

• Your preferred contact channels

2. How We Collect Your Data

We collect personal data through:

• Direct interaction – when you fill in a form, send us an enquiry, or communicate by phone, email or in person

• Online tools – if you use integrated mortgage or credit tools hosted on our website (e.g. provided by MAB or CheckMyFile)

• Third parties – including credit reference agencies, Mortgage Advice Bureau, estate agents, and regulated finance tools, where you’ve provided consent

3. Why We Use Your Data

Purpose	Data Used	Legal Basis
To assess mortgage or financial product suitability	Identity, Contact, Financial	Consent / Contract
To process enquiries or referrals to brokers	Identity, Contact, Financial	Legitimate interest
To communicate updates or provide customer support	Contact, Usage, Marketing	Contract / Legitimate interest
To fulfil legal/regulatory requirements	Identity, Financial	Legal obligation
To improve our website and marketing	Technical, Usage	Legitimate interest

4. Sharing Your Data

We may share your data with:

• Mortgage Advice Bureau (MAB) and integrated tools for product sourcing

• Credit agencies (e.g. CheckMyFile) with your consent

• Legal or financial institutions where you authorise us to submit documents or verifications

• Third-party service providers supporting hosting, analytics, marketing or CRM platforms

• Regulatory bodies including the FCA or ICO when required

We ensure all partners meet strict data protection standards.

5. International Transfers

Some services (e.g. cloud platforms) may store data outside the UK. In such cases, we ensure:

• Adequate protection via UK-approved safeguards

• Contractual clauses that uphold UK data standards

6. Data Retention

Scenario	Retention Period
Completed client projects	Up to 6 years post-completion
Enquiries or leads that did not proceed	2 years from last contact
Legal/regulatory data	As required by law (e.g. financial audits)

After this, we securely delete or anonymise your data.

7. Your Legal Rights

You can request to:

• Access your data

• Correct inaccuracies

• Request deletion (where legally allowed)

• Withdraw consent

• Transfer your data to another provider

• Object to or restrict processing

To exercise these rights, contact us at: hello@yolomoney.co.uk

8. Cookies & Tracking

Our website uses cookies to:

• Analyse visitor behaviour

• Improve site experience

• Power analytics tools

You can manage cookie preferences through your browser. See our Cookie Policy for full details.

9. Security Measures

We use:

• SSL encryption

• Access controls

• Regular security reviews

• Staff confidentiality protocols

We report any serious data breach to the ICO and affected individuals, if required.

10. Updates to This Policy

This policy is reviewed regularly. The latest version is always available at:
www.yolomoney.co.uk/privacy-policy

11. Questions or Complaints

If you have concerns, contact us directly:
hello@yolomoney.co.uk

You may also escalate unresolved issues to the Information Commissioner’s Office (ICO):
www.ico.org.uk