Who we are
CoG Financial Ltd is authorised and regulated by the Financial Conduct Authority under the firm reference number of 1029907. CoG Financial Ltd is a firm registered in England & Wales under registration – 14711447. Registered Office – Sovereign House, 37 Middle Road, Park Gate, SO31 7GH
What data do we collect?
Our Company collects the following data:
How do we collect your data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Special Category Data
In the course of your interactions with CoG Financial you may share information that is classified as ‘Special Category Data’. This could include data about:
Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability CoG Financial will always seek explicit consent from you to store and process such information.
How will we use your data?
Our Company collects your data so that we can:
Purpose/Activity | Type(s) of data | Lawful basis for processing |
To initially engage with you to discuss your requirements | · Identity · Contact | Consent Necessary for our legitimate interests |
To source products, provide indicative quotes, and process& deliver your application for a mortgage or protection product | · Identity · Contact · Financial · Transaction · Marketing & Comms · Special Category | Performance of a contract with you To comply with a legal obligation Necessary for our legitimateinterests (to recover debts due to us) Explicit Consent |
To manage our relationship with you which will include: · Notifying you about changesto our terms or privacy policy · Customer reviews / surveys · Re-engagement whenexisting products nears expiry / review protection needs | · Identity · Contact · Profile & Usage · Marketing & Comms | Performance of a contract with you To comply with a legal obligation Necessary for our legitimateInterests (to re-engage with you to review your existing mortgage / protection needs, and to maintainand improve customer service standards) |
To respond to case enquiriesand input to & defend against complaints | · Identity · Contact · Profile & Usage · Transaction · Marketing & Comms · Special Category | To comply with a legal obligation Necessary for our legitimate interests (to ensure that complaints can be responded to accurately) Legal Claims & Judicial Acts |
To perform an affordability checkfor a property on behalf of an Estate Agent or New Home Builder | · Identity · Contact · Financial · Profile & Usage | Necessary for our legitimate interests and of the New Home Builder / Estate Agent (to ensure that a property is affordable beforeproceeding with the purchase process) |
To administer and protect our business and our website(including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) | · Identity · Contact · Technical | To comply with a legal obligation Necessary for our legitimate interests (forrunning our business, provision of administration and IT services, networksecurity, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) |
To use data analytics to improve our website, products/services, marketing,customer relationships and experiences | · Technical · Profile & Usage | Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform ourmarketing strategy) |
Lawful Basis for Processing Data
If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.
Type of recipient | Reason |
Lenders and protection product suppliers | To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicingof these contracts. |
External suppliers | Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those thatprovide professional, legal or accounting advice to CoG Financial Ltd. |
Solicitors / Conveyancers | To update the firm of solicitors / conveyancers with whom you areinteracting about the progress of your application and confirm your identity / proof of deposit. |
Estate agents / new home builders | To update the firm of mortgage / protection advisers, estate agentsand home builders with whom you are interacting about the results ofaffordability checks and progress of your application. |
Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders Decision In Principle; and to perform a credit assessment with your consent as part of a full application. |
Regulators | Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with theFinancial Conduct Authority, to verify your identity and comply withAnti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatoryauthorities. |
Others | Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek toacquire other businesses or merge with them. If a changehappens to our business, then the new owners may use your personal data in the same way as set out in thisprivacy notice |
When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.
How do we store your data?
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.
Purpose of processing | Retention |
Successful mortgage / protection applications | For the full mortgage or protection policy term – six years from the date the application completes. |
Withdrawn, stalled, incomplete and failedmortgage/ protection applications | 2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued |
Affordability assessments for new build property | 2 years from Decision In Principle if affordability check does not proceed to a full mortgage application |
Enquiry data obtained from third parties (Estate Agents, websites) that do not result in anapplication for a mortgage / protection product | 2 years from the date the lead was received from the Introducer |
Marketing
CoG Financial understands that with the introduction of the Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customer throughout the lifecycle of the relationship.
Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies.
Mortgage Lenders, Solicitors, Surveyors and any other companies that we may share information with through our sales process.
If you have agreed to receive marketing, you may always opt out at a later date.
You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other members of the Our Company Group.
What are your data protection rights?
Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.
The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to Our Company’s processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that Our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email:
Call us at: 01489 357550
Or write to us: Sovereign House, 37 Middle Road, Park Gate, SO31 7GH
Privacy policies of other websites
CoG Financial’s website contains links to other websites. If you click on a link to another website, our privacy policy no longer applies, and we recommend you review that sites privacy policy to establish how they will process your data.
Changes to our privacy policy
Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last 12th August 2025.
How to contact us
If you have any questions about Our Company’s Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.
Email us at: hello@cogfinancial.co.uk
Call us: 01489 357 550
Or write to us at: Sovereign House, 37 Middle Road, Park Gate, SO31 7GH
How to contact the appropriate authority
Should you wish to report a complaint or if you feel that Our Company has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at www.ico.org.uk
