Privacy Policy

Last updated: 21 July 2026

This Privacy & Cookie Policy explains how Mermaid Mortgages Ltd collects, uses, stores and protects personal information when you visit this website, contact Louisa Seymour or enquire about mortgage and protection services.

This policy applies to:

newtonabbotmortgagebroker.co.uk

This website is the Newton Abbot-focused website of Mermaid Mortgages Ltd and is operated to provide local information and enquiry routes for Louisa Seymour.

Who we are

Mermaid Mortgages is a trading style of Mermaid Mortgages Ltd.

Company name: Mermaid Mortgages Ltd
Company number: 14375537
Registered office: 45 Dolphin Court Road, Paignton, England, TQ3 1AG

Mermaid Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

For questions about this policy or the way we use your personal information, please contact Louisa using the contact details shown on this website.

Email: louisa@mermaidmortgages.co.uk

Information we may collect

We may collect personal information when you:

• submit an enquiry through the website;
• contact us by telephone, email or another communication method;
• request a consultation;
• ask for information about mortgages, protection or related services;
• become a client;
• visit or interact with this website.

The information we collect may include:

• your name;
• telephone number;
• email address;
• preferred method of contact;
• details included in your message or enquiry;
• information about your mortgage or property requirements;
• financial and employment information provided during the advice process;
• identification and address-verification information;
• records of communications and appointments;
• technical information about your device, browser and use of this website.

You do not need to provide detailed financial, medical or other sensitive information through the general website enquiry form. Where further information is required as part of a mortgage or protection application, Louisa will explain how it should be provided securely.

How we use your information

We may use your personal information to:

• respond to your enquiry;
• arrange an appointment or consultation;
• understand your mortgage or protection requirements;
• provide mortgage and protection advice;
• research suitable products and services;
• complete applications and communicate with lenders, insurers and other relevant providers;
• verify identity and help prevent fraud;
• meet legal, regulatory and compliance obligations;
• maintain records of advice and communications;
• manage complaints or queries;
• protect the security of this website;
• monitor and improve website performance;
• produce anonymous website statistics.

We will not sell your personal information.

We will not use information submitted through this website for unrelated purposes without telling you.

Our lawful bases for using your information

Depending on the circumstances, we may process your information because:

You have asked us to take steps before entering into a contract

This applies when you contact us for information, request a consultation or ask us to explore mortgage or protection options.

It is necessary to perform a contract

This applies where you become a client and we provide agreed services.

We have a legal or regulatory obligation

We may need to retain or disclose information to comply with financial-services regulation, anti-money-laundering requirements, tax rules, fraud-prevention duties or requests from regulators and law-enforcement authorities.

We have a legitimate interest

We may use information where reasonably necessary to operate the business, respond to enquiries, maintain records, prevent fraud, protect website security and improve our services, provided that those interests do not override your rights.

You have given consent

We rely on consent for non-essential analytics cookies and where consent is otherwise required by law. You may withdraw consent at any time.

Where special-category information is required during a protection or insurance enquiry, we will explain why it is needed and the lawful condition that permits us to use it.

Who we may share information with

Where necessary, we may share personal information with:

• Stonebridge Mortgage Solutions Ltd;
• mortgage lenders;
• insurance and protection providers;
• credit-reference and fraud-prevention agencies;
• valuers, surveyors and conveyancers where relevant;
• product sourcing and application-platform providers;
• identity-verification and anti-money-laundering providers;
• professional advisers, accountants or auditors;
• website hosting, email, security and IT-support providers;
• regulatory bodies, including the Financial Conduct Authority;
• the police, courts or other authorities where required by law.

We only share information where there is a valid reason to do so and only disclose information that is reasonably necessary for that purpose.

Lenders, insurers and other product providers will normally act as separate data controllers and will provide their own privacy information.

Information received from other sources

We will usually collect information directly from you.

We may also receive information from:

• Stonebridge Mortgage Solutions Ltd;
• lenders or insurers;
• credit-reference and fraud-prevention agencies;
• professional advisers acting on your behalf;
• a family member, introducer or other person where you have authorised them to contact us;
• publicly available sources where appropriate.

Where another person provides information about you, they should have your permission to do so.

How long we keep information

We keep personal information only for as long as reasonably necessary.

Typical retention periods are:

• general enquiries that do not progress: normally up to 12 months;
• appointment and communication records: for as long as needed to deal with the enquiry and any follow-up;
• client, application and regulated-advice records: for the period required by Stonebridge, applicable financial-services regulation and other legal obligations;
• accounting and transaction records: normally six years after the relevant financial period;
• complaint records: for the period required by applicable regulatory and legal requirements;
• website security logs: normally retained for a limited period unless needed to investigate suspicious activity;
• analytics information: according to the retention controls configured within Google Analytics.

Some information may need to be retained for longer where there is an ongoing complaint, legal claim, regulatory investigation or other lawful reason.

When information is no longer required, it will be securely deleted or anonymised.

How we protect your information

We use appropriate technical and organisational measures designed to protect personal information against:

• unauthorised access;
• accidental loss;
• misuse;
• alteration;
• disclosure;
• destruction.

These measures may include secure hosting, access controls, software updates, website security tools, backups, password protection and secure communication methods.

No internet transmission or electronic storage system can be guaranteed to be completely secure. You should avoid sending sensitive financial or medical information through an ordinary website enquiry form unless specifically asked to do so.

International data transfers

Some organisations that provide website, analytics, security, email or technology services may process information outside the United Kingdom.

Where information is transferred internationally, we will take reasonable steps to ensure that an appropriate legal safeguard is in place. This may include:

• transferring information to a country covered by UK adequacy regulations;
• using approved contractual safeguards;
• relying on another legally recognised transfer mechanism.

Your data-protection rights

Depending on the circumstances, you may have the right to:

• ask for a copy of the personal information we hold about you;
• ask us to correct inaccurate or incomplete information;
• ask us to delete information;
• ask us to restrict the way information is used;
• object to certain uses of your information;
• request the transfer of information you provided;
• withdraw consent where processing is based on consent;
• complain about the way your information has been handled.

These rights are not absolute and may be limited where we need to retain information for legal, regulatory or contractual reasons.

We may need to confirm your identity before responding to a request.

To exercise your rights, contact Louisa using the details shown on this website.

Data-protection complaints

You may contact us if you are unhappy about the way your personal information has been collected, used, shared or retained.

Please provide:

• your name and contact details;
• a clear explanation of your concern;
• relevant dates or correspondence;
• details of the outcome you are seeking.

We will acknowledge a data-protection complaint within 30 days of receiving it. We will take appropriate steps to investigate it, keep you informed and provide an outcome without undue delay.

You also have the right to complain to the Information Commissioner’s Office.

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113
Website: ico.org.uk

We would appreciate the opportunity to address your concern before you contact the ICO.

Automated decision-making

This website does not make solely automated decisions that produce legal or similarly significant effects.

Lenders, insurers, credit-reference agencies and other providers may use automated systems when assessing applications. Their own privacy notices will explain how those systems operate and what rights you have.

Cookies and similar technologies

This website uses cookies and similar technologies for necessary website functions, security, spam protection and, where consent has been provided, website analytics.

Optional cookies are not activated until you make a choice through the consent banner. You can review or change your preferences at any time using the website’s cookie settings.

For full details of the cookies and services used on this website, please read our Cookie Policy

External websites

This website may include links to:

• the main Mermaid Mortgages website;
• lenders or insurers;
• Stonebridge Mortgage Solutions Ltd;
• the Financial Conduct Authority;
• other third-party websites.

We are not responsible for the privacy practices, content or security of external websites. You should read the privacy policy of any external website you visit.

Changes to this policy

We may update this policy when:

• the website changes;
• new services or technology are introduced;
• our use of personal information changes;
• legal or regulatory requirements change.

The latest version will always be published on this page with the updated date shown at the top.