Privacy Policy

1. Who We Are

Mortgage Affordability (“we”, “our”, “us”) is the data controller responsible for your personal data. We are registered with the Information Commissioner's Office (ICO). Our ICO registration number is ZC076800.

If you have any questions about this privacy policy or how we handle your personal data, please contact us at privacy@mortgageaffordability.co.uk.

2. What Data We Collect

We collect the following categories of personal data:

• Account information — email address and password (encrypted) when you create an account
• Income data — salary, bonus, overtime, commission, and other income details you provide
• Payslip uploads (Premium only) — payslip documents you upload for AI analysis
• Property details — property value, deposit amount, and mortgage term preferences
• Financial commitments — monthly outgoings you declare such as credit card payments, loans, and childcare costs
• Payment information — processed securely by Stripe; we do not store your card details
• Usage data — pages visited, features used, and technical information such as browser type and IP address

3. How We Use Your Data

We use your personal data for the following purposes:

• To check your mortgage affordability across UK lenders using the financial details you provide
• To generate your personalised affordability report and PDF download
• To process payments for Premium features via our payment provider, Stripe
• To manage your account and save your results
• To improve our service through anonymised, aggregated usage analytics
• To respond to your enquiries and provide customer support

4. Payslip Handling

If you use our AI payslip analysis feature (Premium), your payslips are processed as follows:

• Payslips are uploaded securely and processed by our AI system to extract income information
• Payslips are automatically deleted within 60 minutes of processing
• We do not retain copies of your payslip documents after processing
• Only the extracted income figures are stored in your account for the affordability check

5. Legal Basis for Processing

We process your personal data on the following legal bases under the UK GDPR:

• Contract performance — processing is necessary to provide you with the affordability checking service you have requested
• Legitimate interest — we have a legitimate interest in improving our service through anonymised analytics
• Consent — where you have given consent for specific processing activities, such as marketing communications

6. Data Sharing

We do not sell your personal data to third parties. Your data may be shared in the following limited circumstances:

• Lender affordability checks — your income and financial details are submitted to lender affordability calculators to generate your results. No personally identifiable information (such as your name or email) is shared with lenders.
• Payment processing — Stripe processes your payment information securely under their own privacy policy
• Hosting and infrastructure — Google Cloud Platform hosts our service under appropriate data processing agreements
• Legal requirements — if required by law, regulation, or legal process

7. Your Rights Under GDPR

Under the UK GDPR, you have the following rights regarding your personal data:

• Right of access — request a copy of the personal data we hold about you
• Right to rectification — request correction of inaccurate or incomplete data
• Right to erasure — request deletion of your personal data
• Right to data portability — receive your data in a structured, machine-readable format
• Right to object — object to processing based on legitimate interest
• Right to restrict processing — request that we limit how we use your data

To exercise any of these rights, please contact us at privacy@mortgageaffordability.co.uk. We will respond within 30 days.

8. Cookies

We use the following types of cookies:

• Essential cookies — required for the service to function, including authentication and session management
• Analytics cookies — help us understand how visitors use our service so we can improve it. These cookies collect anonymised information only.

We do not use advertising or tracking cookies.

9. Data Retention

We retain your account data and affordability results for as long as your account is active. If you delete your account, all associated data will be removed within 30 days. Payslip documents are deleted automatically within 60 minutes of processing regardless of account status.

10. Contact Us

If you have any questions about this privacy policy or wish to exercise your data protection rights, please contact us:

Email: privacy@mortgageaffordability.co.uk

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.