Privacy Policy Last Updated: 06/11/2025 Quantum Mortgage and Protection Solutions is an appointed representative of Mortgage Advice Bureau (MAB). This privacy policy explains how we collect, use, and protect your personal information in line with the Financial Conduct Authority (FCA) requirements, the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and MAB’s compliance framework. Who We Are Quantum Mortgage and Protection Solutions (“we”, “us”, “our”) provides regulated mortgage and protection advice. We are an appointed representative of: Mortgage Advice Bureau Limited Mortgage Advice Bureau (Derby) Limited both authorised and regulated by the FCA. Registered Office: Suite 1/R 66 John Finnie Street Kilmarnock KA1 1BS For data protection purposes, MAB is the Data Controller, and Quantum Mortgage and Protection Solutions acts as a Data Processor when handling your information as part of the advice process. Information We Collect We may collect and process the following categories of personal data: 1. Personal Information Name, address, contact details Date of birth and identification documents 2. Financial Information Income, expenditure, credit history Bank details Any financial documents you provide 3. Employment Information Employment status, employer details Business accounts if you are self-employed or a company director 4. Health Information (Where relevant for protection insurance products) 5. Technical & Website Usage Data When you visit our website, the following may be collected automatically: IP address Browser type & version Pages viewed Device information Cookies and tracking technologies (managed via Usercentrics) 6. Location Information (Google Maps) If you interact with our embedded Google Maps widget, Google may collect: Device location (approximate) Usage behaviour IP address This is processed according to Google’s Privacy Policy. How We Collect Your Information We collect information through: Website contact forms Telephone calls and emails Fact-finds and application forms Cookies and tracking tools (Wix, Google Maps, Usercentrics) Mortgage/protection product applications How We Use Your Information We use your information to: Provide suitable mortgage and protection advice Recommend products from lenders and insurers Submit applications with lenders/insurers Meet FCA regulatory and audit requirements Carry out fraud, identity & anti-money-laundering checks Communicate about your enquiry, mortgage process, or ongoing needs Manage website functionality and security ✅ Website Technologies We Use 1. Wix (CMS & Hosting Provider) Our website is built and hosted on Wix, who provide: Secure website hosting Website analytics Form submissions Security monitoring Wix may process website usage data and store information submitted through our contact forms. Wix acts as a Data Processor under UK GDPR. Wix’s privacy practices: https://www.wix.com/about/privacy 2. Google Maps We use Google Maps to display our business location. When viewed, Google may process: IP address Device/browser information Location data (approximate) Usage behaviour Google acts as an independent Data Controller for its mapping services. Google’s privacy policy: https://policies.google.com/privacy 3. Usercentrics (Wix Cookie Consent Tool) Our cookie banner is provided by Usercentrics, which: Records your cookie consent choices Manages your opt-in / opt-out preferences Ensures GDPR-compliant cookie handling Data captured by Usercentrics includes consent preferences, timestamp, device information and anonymised identifiers. Usercentrics acts as a Data Processor. Legal Basis for Processing We rely on the following lawful bases: ✅ Contractual Necessity To provide mortgage and protection advice and arrange products you request. ✅ Legal Obligation To comply with FCA rules, AML regulations, fraud prevention and record-keeping requirements. ✅ Legitimate Interests To operate and improve our business, respond to enquiries, provide customer service and ensure website security. ✅ Consent For: Marketing communications Optional cookies / tracking technologies You can withdraw consent at any time. Sharing Your Information We may share your information with: Mortgage Advice Bureau (data controller) Lenders, insurers, and product providers Professional indemnity insurers FCA, auditors, and regulatory bodies IT providers such as Wix, Usercentrics, email services Legal advisers where necessary We never sell your data. How We Protect Your Information We use appropriate organisational and technical measures including: Encrypted systems Secure servers Access controls FCA-compliant record-keeping Regular audits through MAB How Long We Keep Your Data In line with FCA rules and MAB requirements, we retain client records for at least 6 years after your relationship with us ends, or longer if required for legal, regulatory, or audit purposes. Website analytics and cookie data retention varies depending on cookie type and your consent preferences. Your Rights Under UK GDPR You have the right to: Access your personal data Request correction of inaccurate information Request erasure (where legally permitted) Restrict or object to processing Request data portability Withdraw consent for marketing or cookies at any time To exercise your rights, contact us using the details below. Marketing Preferences We may send you marketing communications about mortgages, protection and related services only where you have given explicit consent. You may opt out at any time. Contact Us Quantum Mortgage and Protection Solutions 01563 481 482 hello@quantummortgagesolutions.co.uk Mortgage Advice Bureau Data Protection Officer: dpo@mab.org.uk Complaints If you are unhappy with how your data has been handled, you can: Contact us directly, or Lodge a complaint with the Information Commissioner’s Office (ICO): https://www.ico.org.uk
Accessibility Statement Quantum Mortgage and Protection Solutions is committed to making our services accessible to everyone. This statement explains how we ensure accessibility across our website, communications, and client interactions. We are an appointed representative of Mortgage Advice Bureau (MAB), and we follow MAB’s compliance framework as well as relevant UK regulations, including the Financial Conduct Authority (FCA) requirements and the Equality Act 2010. Our Commitment We aim to ensure that: Our website is accessible and usable by as many people as possible. Information is provided in clear, plain English, without unnecessary jargon. Support is available if you need information in alternative formats. We continue to improve accessibility in line with best practice, including the Web Content Accessibility Guidelines (WCAG) 2.1. Website Accessibility We have designed our website so that it should be possible to: Adjust text size and colours using your browser settings. Navigate most of the site using only a keyboard. Use screen readers and other assistive technologies. Access content clearly, with simple language and consistent layouts. If you experience any difficulty using our site, please let us know and we’ll do our best to fix the issue. Alternative Formats If you need information in another format — such as large print, braille, audio, or an alternative language — please contact us and we will arrange this where possible. Feedback and Contact We welcome feedback on how to improve accessibility. If you encounter any problems, please get in touch: Quantum Mortgage and Protection Solutions hello@quantummortgagesolutions.co.uk Alternatively, you can email the Mortgage Advice Bureau accessibility team. Enforcement If you are not satisfied with our response, you have the right to raise a complaint with the Financial Ombudsman Service (FOS) or the Equality and Human Rights Commission (EHRC).
Terms & Conditions These Terms & Conditions govern the use of our website and services. By using our site or engaging with us, you agree to these terms. Who We Are Quantum Mortgage and Protection Solutions is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority (FCA). Our registered office: Suite 1/R 66 John Finnie Street Kilmarnock KA1 1BS Our FCA registration can be checked at www.fca.org.uk/register . Our Services We provide regulated mortgage and protection advice. This includes: Mortgage advice for first-time buyers, home movers, remortgaging, and buy-to-let Protection advice, including life insurance, critical illness cover, and income protection We will always make recommendations that are suitable for your circumstances and objectives. Use of Our Website This website provides general information only. It should not be relied upon as financial or legal advice. Mortgage and protection products are subject to eligibility, affordability checks, and lender/provider criteria. While we take care to keep information accurate and up to date, we cannot guarantee completeness or that content applies to your individual circumstances. Please contact us for tailored advice. Fees and Charges We may charge a broker fee for arranging your mortgage. This will be disclosed clearly before you make any commitment. We will also receive commission from the lender or provider. Full details will be confirmed in your personalised Key Facts Illustration. Liability We will not be liable for any loss or damage arising from use of this website or reliance on general information it contains. This does not exclude liability for fraud, negligence, or any matter which cannot be excluded under UK law. Third-Party Links Our website may link to external sites. We are not responsible for the content, security, or privacy practices of third-party websites. Data Protection & Privacy Your personal data is handled in accordance with our Privacy Policy, which sets out how we collect, use, and protect your information. Please review this policy carefully. Intellectual Property All website content (text, graphics, branding) belongs to Quantum Mortgage and Protection Solutions or its licensors unless otherwise stated. You may not reproduce or distribute this content without permission. Governing Law These Terms & Conditions are governed by the laws of Scotand, England & Wales. Any disputes will be subject to the jurisdiction of the courts of Scotland, England & Wales. Changes to These Terms We may update these Terms & Conditions from time to time. The latest version will always be published on this website. Contact Us If you have any questions about these Terms & Conditions, please contact us: Quantum Mortgage and Protection Solutions at hello@quantummortgagesolutions.co.uk
Refund Policy Quantum Mortgage and Protection Solutions Ltd is an appointed representative of Mortgage Advice Bureau and is authorised and regulated by the Financial Conduct Authority (FCA). We charge broker fees only once we have discussed your needs, sourced suitable mortgage options, and you have confirmed that you wish to proceed with a full application. These fees are payable after we have received an indication to lend from the chosen lender. Because our work is completed before your application is submitted, we do not offer refunds of broker fees once they have been charged. This reflects the advice, research, and administration already provided on your behalf. You will not be entitled to a refund if your loan application is declined at the full application stage. If we are unable to obtain an indication to lend before you proceed to full application, no fee will be charged. This policy does not affect any statutory rights you may have.
Your Rights Policy At Quantum Mortgage and Protection Solutions, we believe our clients should always be treated fairly, transparently, and with respect. As an appointed representative of Mortgage Advice Bureau (MAB), we are authorised and regulated by the Financial Conduct Authority (FCA), and this policy sets out the rights you have when dealing with us. Your Rights as a Client 1. Clear and Fair Advice You have the right to receive mortgage and protection advice that is clear, fair, and not misleading, in line with FCA rules. Our recommendations will always be tailored to your personal circumstances and explained in plain English. 2. Information About Fees and Charges You will be told in advance about any fees you may need to pay, and how we are paid by lenders or insurers. All costs will be set out clearly in your Key Facts Illustration and/or Client Agreement. 3. Data Protection Rights Under the UK GDPR and Data Protection Act 2018, you have the right to: Access the personal data we hold about you. Request correction of inaccurate or incomplete information. Request deletion of your data where we are not legally required to keep it. Restrict or object to certain types of data processing. Request a copy of your data in a portable format. Withdraw consent to marketing communications at any time. Full details are explained in our Privacy Policy. 4. Accessibility and Support You have the right to request information in alternative formats if required (e.g. large print, braille, audio). We are committed to making our services as accessible as possible — see our Accessibility Statement for more details. 5. Complaints and Redress If you are unhappy with our service, you have the right to make a complaint. We will handle it fairly, promptly, and in line with FCA requirements. If you are not satisfied with our final response, you may refer your complaint to the Financial Ombudsman Service (FOS) at www.financial-ombudsman.org.uk . You are also protected by the Financial Services Compensation Scheme (FSCS) in certain circumstances. 6. The Right to Change Your Mind You may have the right to cancel certain financial products (such as protection insurance) within a statutory cooling-off period. The details of this right will be explained in your product documents. Contact Us To exercise any of your rights, or if you have any questions, please contact: Quantum Mortgage and Protection Solutions at hello@quantummortgagesolutions.co.uk You may also contact Mortgage Advice Bureau’s Data Protection Officer at: dpo@mab.org.uk
Cookie Policy This Cookie Policy explains how Quantum Mortgage and Protection Solutions uses cookies and similar technologies on our website. We are an appointed representative of Mortgage Advice Bureau (MAB), and we follow MAB’s compliance framework as well as UK data protection law, including the UK GDPR, the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations (PECR). What Are Cookies? Cookies are small text files that are placed on your device (computer, tablet, phone) when you visit a website. They help websites function properly, improve user experience, and provide information to the site owners. Types of Cookies We Use We use the following categories of cookies: Essential cookies – These are required for the site to work properly (e.g. security features, page navigation). Performance cookies – These help us understand how visitors use our website, so we can improve it. We may use tools such as Google Analytics. Functionality cookies – These allow us to remember your preferences (such as form details) to improve your experience. Marketing cookies – With your consent, we may use cookies to tailor advertising and communications to your interests. Managing Cookies When you first visit our website, you will see a cookie banner giving you the option to accept or manage cookies. You can update your preferences at any time by adjusting your browser settings or using the cookie controls provided on our site. Most web browsers allow you to: Block all cookies Block only third-party cookies Delete existing cookies Set preferences for specific websites Please note that disabling certain cookies may affect how our website functions. Third-Party Cookies Some cookies may be set by third-party services, such as analytics or advertising providers. These third parties have their own privacy and cookie policies which we recommend you review. How We Use Cookie Data We use cookie data to: Improve the performance and usability of our website Monitor website traffic and user behaviour (in a non-identifiable way) Tailor communications and marketing (where consent is given) We do not sell cookie data to third parties. Your Rights For more details about your rights under data protection law, please see our Privacy Policy. Contact Us If you have any questions about our use of cookies, please contact: Quantum Mortgage and Protection Solutions at hello@quantummortgagesolutions.co.uk You may also contact Mortgage Advice Bureau’s Data Protection Officer at: dpo@mab.org.uk