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Privacy Policy
Last Updated: December 2025
Liz Wong MPA is committed to protecting your privacy. This policy explains how we collect, use, and protect your personal information.
1. Who We Are
Liz Wong MPA trades under Protect and Lend Ltd, an Appointed Representative of New Leaf Distribution Ltd (FCA Number: 460421).
Data Controller: New Leaf Distribution Ltd
Address: Garfield House, 165-167 High St, Rayleigh, Essex, SS6 7QA
Contact: liz.wong@protectandlend.co.uk | 07561 155098
2. Information We Collect
To provide financial advice and services, we collect:
Personal Information:
- Name, date of birth, and contact details
- National Insurance number
- Employment and income information
- Financial circumstances and commitments
- Identification documents (passport, driving license, utility bills)
Special Category Data (with your consent):
- Health information (for protection insurance)
- Lifestyle information (smoking status, occupation risks)
Website Usage Data:
- IP address and browser information
- Pages visited and time spent on site
- Cookies (see Cookie Policy below)
3. How We Use Your Information
We use your information to:
- Assess your needs and provide suitable financial advice
- Arrange mortgages, insurance, and other financial products
- Comply with legal and regulatory requirements (FCA, Money Laundering Regulations)
- Maintain records of our advice and recommendations
- Communicate with you about your products and services
- Send you relevant information and updates (with your consent)
4. Legal Basis for Processing
We process your data under the following legal bases:
- Contractual necessity: To fulfill our obligations to provide advice and services
- Legal obligation: To comply with FCA regulations, anti-money laundering laws
- Legitimate interests: To maintain records and improve our services
- Consent: For special category data (health) and marketing communications
5. Who We Share Your Information With
We may share your information with:
- Lenders and insurance providers: To arrange your mortgage or protection
- Our Principal (New Leaf Distribution Ltd): For supervision and compliance
- Credit reference agencies: For mortgage applications
- Solicitors and conveyancers: For property purchases
- Regulators (FCA): If required by law
- Professional advisers: Accountants, legal advisers (with your consent)
We will never sell your data to third parties.
6. How Long We Keep Your Information
We retain your information for:
- Client records: Minimum 6 years from end of relationship (FCA requirement)
- Mortgage records: Until mortgage ends + 6 years
- Identification documents: 5 years from verification
- Marketing preferences: Until you withdraw consent
7. Your Rights
Under UK GDPR, you have the right to:
- Access: Request a copy of your personal data
- Rectification: Correct inaccurate information
- Erasure: Request deletion (subject to regulatory requirements)
- Restriction: Limit how we use your data
- Portability: Receive your data in a portable format
- Object: Object to processing based on legitimate interests
- Withdraw consent: For special category data and marketing
To exercise these rights, contact: liz.wong@protectandlend.co.uk
8. Security
We protect your information through:
- Secure encrypted communication channels
- Password-protected systems and documents
- Regular security reviews and staff training
- Limited access to authorized personnel only
9. Consent for Special Category Data
Important: We may need to collect sensitive health or lifestyle information to provide protection insurance advice. We will only collect this with your explicit consent, which you can withdraw at any time. However, withdrawing consent may mean we cannot provide certain services.
10. Marketing Preferences
We may send you:
- Updates about your existing products
- Information about relevant new products or services
- Educational content (with your consent)
You can opt out of marketing communications at any time by:
- Clicking "unsubscribe" in any email
- Contacting us directly
11. Cookie Policy
Our website uses cookies to:
- Remember your preferences
- Analyze website traffic
- Improve user experience
You can control cookies through your browser settings. Note that blocking cookies may affect website functionality.
Types of Cookies We Use:
- Essential cookies: Required for website operation
- Analytics cookies: Help us understand how visitors use our site
- Preference cookies: Remember your settings
12. Third-Party Links
Our website may contain links to external sites (e.g., YouTube, lender websites). We are not responsible for the privacy practices of these sites. Please review their privacy policies.
13. Changes to This Policy
We may update this privacy policy periodically. The latest version will always be available on our website with the "Last Updated" date.
14. Complaints
If you have concerns about how we handle your data, contact us first. If you're not satisfied, you can complain to:
Information Commissioner's Office (ICO)
Website: ico.org.uk
Phone: 0303 123 1113
15. Contact Us
For any questions about this privacy policy or your personal data:
Liz Wong MPA
Email: liz.wong@protectandlend.co.uk
Phone: 07561 155098
Address: Garfield House, 165-167 High St, Rayleigh, Essex, SS6 7QA
Liz Wong MPA trades under Protect and Lend Ltd, an Appointed Representative of New Leaf Distribution Ltd
FCA Number: 460421