Speak to an Advisor
Legal Information

Privacy Policy

How we protect, manage, and use your personal information.

Last Updated: April 2026

At Horizon Financial Services Ltd, we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, process, and protect your personal data when you use our website or engage with our services.

Horizon Financial Services Ltd is authorized and regulated by the Financial Conduct Authority (FCA). The guidance and advice contained within this website are subject to the UK regulatory regime and are therefore primarily targeted at consumers based in the UK.

1. Information About Us

Horizon Financial Services Ltd is the data controller responsible for your personal data.

  • Company Registration Number: 16988882
  • ICO Registration Number: ZC130292
  • Registered Office: 101 Lockhurst Lane, Coventry, England, CV6 5SF
  • Phone: 020 7946 0958
  • Email: [email protected]

2. The Data We Collect About You

To provide you with tailored financial advice, mortgage solutions, and insurance products, we need to collect personal information. This may include:

  • Identity Data: First name, maiden name, last name, marital status, title, date of birth, and gender.
  • Contact Data: Residential address, email address, and telephone numbers.
  • Financial Data: Bank account details, income, expenditure, assets, liabilities, credit commitments, and credit history.
  • Documentary Data: Passports, driving licenses, bank statements, and utility bills used for identity verification (Anti-Money Laundering checks).
  • Technical Data: Internet protocol (IP) address, browser type and version, time zone setting, and operating system used to access our website.

Special Category Data (Health & Medical Information)

Because we advise on Life Insurance, Critical Illness Cover, and Health Insurance, we may need to collect sensitive personal data regarding your medical history and health status. We will only collect and process this data with your explicit consent, and it will only be shared with insurance providers for the purpose of securing a policy on your behalf.

3. How We Collect Your Data

We use different methods to collect data from and about you, including:

  • Direct Interactions: You may give us your Identity, Contact, and Financial Data by filling in forms on our website, or by corresponding with us by post, phone, email, or face-to-face meetings.
  • Third Parties: We may receive personal data about you from third parties, such as credit reference agencies, fraud prevention agencies, and solicitors.
  • Automated Technologies: As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions, and patterns via cookies.

4. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Contractual Necessity: Where we need to perform the contract we are about to enter into or have entered into with you (e.g., submitting a mortgage or insurance application to a lender/provider).
  • Legal Obligation: Where we need to comply with a legal or regulatory obligation, such as FCA regulations and Anti-Money Laundering (AML) laws.
  • Legitimate Interests: Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Consent: We will rely on your explicit consent to process Special Category (health) data and to send you direct marketing communications.

5. Disclosures of Your Personal Data

In order to deliver our services, we may have to share your personal data with the parties set out below:

  • Mortgage Lenders & Insurance Providers: To obtain decisions in principle, quotations, and ultimately secure your financial products.
  • Compliance & Regulatory Bodies: Including the Financial Conduct Authority (FCA) and the Information Commissioner’s Office (ICO).
  • Professional Partners: Such as conveyancing solicitors, surveyors, and accountants, provided we have your agreement to do so.
  • Credit Reference Agencies: To verify your identity and assess your creditworthiness.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes.

6. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. In addition, we limit access to your personal data to those employees, agents, and contractors who have a business need to know. They will only process your personal data on our instructions and they are subject to a strict duty of confidentiality.

7. Data Retention

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements.

Under FCA regulations, we are required to retain basic information about our clients (including contact, identity, financial, and transaction data) for a minimum of six years after they cease being customers. For certain products, such as life insurance or pension transfers, regulatory requirements dictate that data may need to be held indefinitely.

8. Your Legal Rights

Under the Data Protection Act 2018 and the UK GDPR, you have rights under data protection laws in relation to your personal data, including the right to:

  • Request access to your personal data (commonly known as a "data subject access request").
  • Request correction of the personal data that we hold about you.
  • Request erasure of your personal data.
  • Object to processing of your personal data.
  • Request restriction of processing of your personal data.
  • Request the transfer of your personal data to you or to a third party.
  • Withdraw consent at any time where we are relying on consent to process your personal data.

If you wish to exercise any of the rights set out above, please contact us at [email protected].

9. Complaints

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.

Horizon Financial Services Ltd
101 Lockhurst Lane, Coventry, England, CV6 5SF
020 7946 0958
[email protected]