Terms, Privacy and Disclaimer

1. Disclaimer

Disclaimer

By submitting your details, you agree to be contacted by Beyti Mortgages Ltd regarding your interest in mortgage and/or life insurance advice. This contact will be for the purpose of discussing your needs and providing a personalised quote.

Beyti Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 1034290. Our services are subject to an initial consultation to assess your eligibility and suitability for our products. Your home may be repossessed if you do not keep up repayments on your mortgage. Terms and conditions apply.

For full details on how we handle your data, please see our Privacy Policy.

2. Privacy Policy Section

Privacy Policy

Effective Date: 4th October 2025

This Privacy Policy explains how Beyti Mortgages Ltd ("we," "us," or "our") collects, uses, and protects your personal data when you interact with us, including when you submit your details via our Facebook or Instagram advertisements, or through our website. We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (GDPR) and other applicable data protection laws.

Who We Are: Beyti Mortgages Ltd Company Number: 16356753 FCA Register Number: 1034290 Registered Office: 79 Headstone Gardens, London, HA26PJ Email: hello@beyti.co.uk Website: www.beyti.co.uk

1. Data We Collect We may collect and process the following personal data about you:

  • Contact Information: Name, email address, phone number.

  • Location Data: Postcode (to help determine regional services or eligibility).

  • Enquiry Details: Information you provide about your interest in mortgages or life insurance (e.g., type of product, brief circumstances).

  • Technical Data: IP address, browser type, operating system (collected automatically when you visit our website or interact with our ads).

2. How We Collect Your Data We collect data from you in the following ways:

  • Directly from you: When you complete and submit forms on our social media advertisements (e.g., Facebook/Instagram Lead Ads) or on our website.

  • During initial consultations: When we speak with you by phone or email following your enquiry.

  • Automatically: Through cookies and similar technologies when you visit our website or interact with our online content.

3. How We Use Your Data (Purposes and Legal Basis) We use your personal data for the following purposes and rely on the specified legal bases under GDPR:

  • To provide you with information and services you request: To respond to your enquiries, provide personalised quotes for mortgages and life insurance, and conduct initial consultations.

    • Legal Basis: Performance of a contract (or steps at your request prior to entering a contract).

  • To manage and administer our relationship with you: To keep records of your enquiries and preferences.

    • Legal Basis: Legitimate interests (to manage our business effectively).

  • To improve our services and marketing: To understand how you interact with our ads and website, and to tailor our marketing efforts.

    • Legal Basis: Legitimate interests (to grow and improve our business).

  • For compliance with legal and regulatory obligations: To meet FCA requirements, anti-money laundering regulations, and other legal duties.

    • Legal Basis: Compliance with a legal obligation.

4. Sharing Your Data We will not sell your personal data to third parties. We may share your data with:

  • Third-party service providers: Such as IT support, CRM systems, and marketing platforms, who assist us in operating our business. These providers are bound by strict contractual obligations to keep your data confidential and secure.

  • Lenders and Insurance Providers: If you proceed with an application, we will share your relevant personal data with financial institutions to secure mortgage or life insurance products for you.

  • Regulatory bodies: Including the Financial Conduct Authority (FCA) if required by law.

  • Professional advisors: Such as lawyers or accountants, where necessary.

5. Data Retention We will retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. This typically aligns with FCA record-keeping requirements, which can be up to 7 years after a client relationship ends.

6. Your Data Protection Rights Under GDPR, you have the following rights regarding your personal data:

  • Right to be informed: About how your data is used (which this policy aims to do).

  • Right of access: To request a copy of the data we hold about you.

  • Right to rectification: To have inaccurate data corrected.

  • Right to erasure (right to be forgotten): To request that we delete your data (subject to legal retention requirements).

  • Right to restrict processing: To limit how we use your data.

  • Right to data portability: To receive your data in a structured, commonly used, and machine-readable format.

  • Right to object: To certain types of processing, including direct marketing.

  • Rights in relation to automated decision-making and profiling: To not be subject to decisions based solely on automated processing that significantly affects you.

To exercise any of these rights, please contact us at [Your Business Email Address].

7. Complaints If you have concerns about how we are handling your data, please contact us first. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's independent authority for data protection. ICO website: [suspicious link removed] ICO helpline: 0303 123 1113

8. Changes to this Privacy Policy We may update this Privacy Policy from time to time. The latest version will always be posted on our website with the effective date.

3. Terms and Conditions Section

Terms and Conditions

Effective Date: 4th October 2025

Welcome to Beyti Mortgages Ltd. These Terms and Conditions govern your use of our services, including interaction with our online advertisements, website, and subsequent engagement for mortgage and life insurance advice. By accessing or using our services, you agree to be bound by these Terms and Conditions.

1. About Us Beyti Mortgages Ltd is a company registered in England and Wales under company number 16356753. Our registered office is: 79 Headstone Gardens, London, HA26PJ Email: hello@beyti.co.uk Website: www.beyti.co.ukWe are authorised and regulated by the Financial Conduct Authority (FCA). Our FCA firm reference number is 1034290. You can verify our registration on the FCA's Financial Services Register or by contacting the FCA on 0800 111 6768.

2. Our Services We provide advice and arrange financial products in the areas of:

  • Mortgages (including residential and buy-to-let mortgages)

  • Life Insurance

  • [List any other relevant products/services]

Our services are subject to an initial fact-finding process to assess your individual circumstances, needs, and objectives. We will then recommend suitable products based on this assessment.

3. Your Responsibilities By engaging with us, you agree to:

  • Provide accurate, complete, and truthful information relevant to your financial situation.

  • Inform us promptly of any changes to your circumstances.

  • Review all documentation provided by us and by product providers carefully.

  • Respond to requests for information or documentation in a timely manner.

4. Data Protection & Privacy We are committed to protecting your personal data. Our collection, use, and storage of your personal data are governed by our Privacy Policy, which forms part of these Terms and Conditions. By submitting your details to us, you acknowledge that you have read and understood our Privacy Policy.

5. Advice and Recommendations

  • Any advice or recommendation we provide will be based on the information you have given us.

  • We will explain the features, benefits, and risks of any recommended product.

  • It is your responsibility to ensure you understand the advice and products before proceeding.

6. Fees and Charges

  • Our fees and charges for services will be clearly explained to you in our Initial Disclosure Document (IDD) and client agreement before you commit to any product or service.

  • For mortgage advice, we may charge a fee, the amount of which will depend on your circumstances.

  • For life insurance, we typically receive commission from the insurer, which means there is no direct fee to you.

  • Full details will be provided at the earliest opportunity.

7. Complaints Procedure We aim to provide the highest standard of service. If you are dissatisfied with our service, please contact us in writing at [Your Business Email Address] or [Your Postal Address]. We will investigate your complaint promptly and thoroughly. If you remain dissatisfied after receiving our final response, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). FOS website: www.fos.org.uk FOS phone: 0800 023 4567

8. Limitation of Liability

  • We will exercise due care and skill in providing our services. However, we cannot guarantee specific financial outcomes or protect against market fluctuations.

  • We will not be liable for any loss arising from inaccurate or incomplete information provided by you.

  • Our liability is limited to the extent permitted by law.

9. Intellectual Property All content on our website and social media (unless otherwise stated) is the intellectual property of Beyti Mortgages Ltd.

10. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the English and Welsh courts.

11. Changes to Terms and Conditions We reserve the right to amend these Terms and Conditions at any time. The updated version will be posted on our website with the effective date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms and Conditions.