Privacy policy
Who we are
Pillar Finance Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 1010639.
Pillar Finance Limited is registered in England & Wales under registration number 154837.
Registered Office: 240 High Street, Beckenham BR3 1EN
What data do we collect?
We may collect the following personal data:
- Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses, and identity verification documents
- Employment and remuneration information, including salary, bonus schemes, overtime, sick pay, and other benefits
- Employment history
- Bank account details, tax information, credit commitments, personal credit history, income and expenditure, family circumstances, and dependents
- Health status and history, medical treatment and prognosis, medical reports
- Existing mortgage and insurance products and related terms and conditions
How do we collect your data?
We collect data primarily from you directly, through meetings, conversations, and written communication (e.g., email).
We may also obtain data from third parties, including:
- Credit checks
- Public sources like the electoral roll
- Employers
- Technology tools (e.g., credit status verification software or electronic ID checks)
- Note: We will inform you if we use these and, where required, seek your consent.
Special Category Data
You may share sensitive information such as:
- Race, ethnic origin, political opinions, religion, trade union membership
- Genetic or biometric data
- Health data
- Sex life or sexual orientation
We will always request explicit consent before processing this type of data.
How will we use your data?
We use your data to:
- Process your application and manage your request
- Send information about relevant products or services
- Monitor product and service performance to ensure good consumer outcomes
Purposes and Legal Basis for Processing
| Purpose | Data Types | Legal Basis |
|---|---|---|
| Initial engagement | Identity, Contact | Consent or Legitimate Interest |
| Sourcing products & application processing | Identity, Contact, Financial, Special Category | Contract, Legal Obligation, Legitimate Interest, Explicit Consent |
| Managing our relationship | Identity, Contact, Profile, Marketing | Contract, Legal Obligation, Legitimate Interest |
| Responding to complaints | Identity, Contact, Profile, Special Category | Legal Obligation, Legitimate Interest |
| Affordability checks | Identity, Contact, Financial | Legitimate Interest (you and estate agents) |
| Business administration | Identity, Contact, Technical | Legal Obligation, Legitimate Interest |
| Data analytics | Technical, Profile | Legitimate Interest |
Sharing your data
We may share your data with:
- Lenders and insurers – To process and service your applications
- External suppliers – For IT, legal, or professional services
- Solicitors / Conveyancers – For ID verification and application updates
- Estate agents / Builders – For affordability checks and updates
- Credit agencies – For ID verification and credit assessments
- Regulators – To comply with our legal obligations
- Business partners / buyers – In the event of a merger or acquisition
Data storage and retention
We do not expect your data to be transferred outside the UK.
| Purpose | Retention Period |
|---|---|
| Successful applications | Term of mortgage/protection + 6 years |
| Withdrawn/incomplete applications | 2 years (or 6 years if advice was provided) |
| Affordability assessments | 2 years |
| Unpursued third-party leads | 2 years |
Marketing
We may contact you with relevant offers or updates, including from our partner Black and Blanc.
You can opt out at any time by contacting us.
Your data protection rights
You have the right to:
- Access your data
- Rectify incorrect or incomplete data
- Erase your data
- Restrict or object to data processing
- Request data portability
We will respond to any such request within one month.
Contact us at:
Email: info@pillarfinance.co.uk
Phone: 020 8057 8557
Post: 240 High Street, Beckenham BR3 1EN
Other websites
Google Analytics, Microsoft Clarity and WhatsApp service providers
Links to third-party websites are not covered by this policy.
Changes to this policy
This privacy policy is reviewed regularly. Last updated: 19th February 2026
Contact us
If you have questions or wish to exercise your rights, contact us:
Email: info@pillarfinance.co.uk
Phone: 020 8057 8557
Post: 240 High Street, Beckenham BR3 1EN
Regulatory authority
If you’re not satisfied with our response, you can contact the Information Commissioner’s Office:
http://www.ico.org.uk