Privacy Policy

1. Who We Are

Debt Advisory London Limited T/A FORTO Finance (FRN: 968405 & Company No. 13563252) is an Appointed Representative of Altura Mortgage Finance Limited who is authorised and regulated by the Financial Conduct Authority (FRN: 827849 & Company No. 11228723). Registered in England and Wales.

Registered Office: 101 New Cavendish Street, London, W1W 6XH

If you have any questions about this policy or how we handle your data, please contact us at: enquiries@fortofinance.co.uk

2. What Data We Collect

We may collect the following categories of personal data:

• Contact information - name, email address, phone number
• Enquiry details - the nature of your mortgage or finance enquiry and any information you provide in free-text fields
• Usage data - pages visited, time spent on the site, browser type, and approximate location (collected via analytics cookies, only if you consent)

We do not collect sensitive personal data (special category data) through this website. Any sensitive financial information required to process a mortgage application is collected separately through a secure, regulated process.

3. How We Use Your Data

We do not use your personal data for automated decision-making or profiling.

4. Analytics Cookies

With your consent, we use Google Analytics (GA4) to collect anonymised data about how visitors use our site. This helps us understand which pages are most useful and improve the overall experience.

Google Analytics may set cookies on your device and transfer data to Google LLC servers in the United States. Google LLC is certified under the EU-US Data Privacy Framework, providing adequate safeguards for international transfers.

You can withdraw consent at any time by clearing your browser's local storage or declining cookies on your next visit. Withdrawing consent does not affect the lawfulness of processing carried out before withdrawal.

For more information on how Google uses this data, see Google's Privacy & Terms.

5. Sharing Your Data

We do not sell your personal data. We may share it with:

• Microsoft 365 - our email infrastructure provider, used to receive and respond to enquiries
• FCA-regulated lenders and intermediaries - where required to arrange finance on your behalf (only with your knowledge and agreement)
• Regulatory authorities - where required by law or regulation (e.g. the FCA, HMRC)

All third-party processors are subject to contractual obligations to keep your data secure and to process it only on our instructions.

6. Data Retention

• Enquiry data - retained for 6 years from the date of last contact, in line with FCA record-keeping requirements
• Analytics data - retained by Google Analytics for 14 months (our default retention setting)

7. Your Rights

Under UK GDPR you have the right to:

• Access - request a copy of the personal data we hold about you
• Rectification - ask us to correct inaccurate or incomplete data
• Erasure - ask us to delete your data (subject to our regulatory obligations)
• Restriction - ask us to limit how we use your data
• Portability - receive your data in a structured, machine-readable format
• Object - object to processing based on legitimate interests
• Withdraw consent - for any processing based on consent (e.g. analytics cookies)

To exercise any of these rights, please email us at enquiries@fortofinance.com. We will respond within one calendar month.

8. Complaints

A summary of our internal complaints handling procedure for the reasonable and prompt handling of complaints is available upon request. Please contact us by email at enquiries@fortofinance.com.

If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service Financial Ombudsman Service:

Website: financial-ombudsman.org.uk Helpline: 0800 023 4567

We would appreciate the opportunity to address your concerns before you contact the Financial Ombudsman Service, so please reach out to us first.

Not all forms of mortgages are regulated by the Financial Conduct Authority.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date below. We encourage you to review this page periodically.

Last updated: May 2025