Privacy Notice

Last updated: August 2026

1. Who we are

Nellmo Limited (“Nellmo”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Notice explains how we collect, use, store and share your personal information when you use our website, contact us or use our mortgage, protection or insurance services.

Nellmo Limited is registered in England and Wales under company number 15681580.

Registered office:

Top Floor, 2 Silver Street
Cirencester
Gloucestershire
United Kingdom
GL7 2BL

Nellmo Limited, FCA number 1014885, is an Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.

ICO registration number: ZB685484

For the purposes of applicable data protection legislation, including the UK General Data Protection Regulation (“UK GDPR”) and Data Protection Act 2018, Nellmo Limited is a data controller in respect of personal information for which we determine the purposes and means of processing.

If you have any questions about this Privacy Notice or how we use your personal information, contact us at info@nellmo.co.uk.

2. The information we may collect about you

The information we collect will depend on the services you ask us to provide.

Because mortgage and protection advice requires us to understand your circumstances in detail, we may collect information including:

• your name, title and date of birth;
• residential address and previous addresses;
• telephone number and email address;
• nationality and residency information;
• marital or civil partnership status;
• information about your family and dependants;
• employment status and employment history;
• employer details;
• salary, bonuses, overtime and other income;
• self-employed income and business information;
• tax information;
• bank statements and bank account information;
• savings, investments and other assets;
• existing mortgages, loans, credit cards and other financial commitments;
• regular expenditure and household expenses;
• credit history and information relating to previous financial difficulties;
• property information;
• details of proposed property purchases or remortgages;
• identification documents such as passports and driving licences;
• information used for anti-money laundering and identity verification purposes;
• National Insurance number where relevant;
• information about existing mortgage, protection or insurance products;
• correspondence and communications between you and Nellmo; and
• information you provide through our website, telephone calls, email or other communication channels.

We may also obtain information about you from third parties where appropriate, including lenders, insurers, credit reference agencies, identity verification providers, estate agents, solicitors, accountants and other professional advisers.

3. Special category information

If you ask us to advise you about protection or insurance products, we may need to collect more sensitive information about you. This may include information concerning your physical or mental health, medical conditions, medical treatment, medical history, family medical history, lifestyle information relevant to an insurance application, and other information required by an insurer to assess an application.

Health information is classed as special category personal data under UK data protection legislation and receives additional protection.

Where we process special category information, we will ensure that we have both an appropriate lawful basis for processing your personal information and an appropriate condition for processing special category data. Where required, we may ask for your explicit consent before obtaining or processing certain medical or health information.

4. How we collect your information

We may collect personal information directly from you; when you complete an enquiry form on our website; when you speak to one of our advisers; by telephone or email; through electronic fact finds, portals or document-upload facilities; during mortgage or protection applications; from lenders and insurers; from credit reference or identity verification agencies; from estate agents, solicitors, accountants or other professional advisers; from publicly available sources such as Companies House or the electoral register; through cookies and similar technologies; and from another person making a joint application with you.

If another person provides information about you, we may process that information where it is necessary and lawful for us to do so.

5. How we use your personal information

We may use your information to understand your circumstances and requirements; provide mortgage, protection and insurance advice and recommendations; research suitable products; obtain mortgage agreements in principle; submit and administer applications; communicate with lenders and insurers; verify your identity; carry out anti-money laundering and fraud-prevention checks; assess affordability and eligibility; obtain or assist with credit searches where appropriate; communicate with you about your enquiry or application; maintain records of advice; meet regulatory and compliance requirements; respond to complaints; defend or establish legal claims; prevent and detect fraud or financial crime; improve our services; administer and protect our website and IT systems; obtain customer feedback; maintain appropriate business and regulatory records; and contact existing customers about their mortgage or protection arrangements where appropriate and lawful.

6. Our lawful bases for using your information

Under UK data protection law, we must have a lawful basis for processing personal information. Depending on the circumstances, we may rely on:

Contract — to provide services you have asked us to provide or take steps at your request before entering into a contract.

Legal and regulatory obligations — including financial services regulation, anti-money laundering, fraud prevention, complaints and record keeping.

Legitimate interests — including administering our business, maintaining records, protecting our systems, preventing fraud, dealing with complaints, obtaining feedback, improving our services and communicating appropriately with existing customers, where those interests are not overridden by your rights and freedoms.

Consent — in certain circumstances. Where we rely on consent, you have the right to withdraw it at any time. Withdrawal does not affect processing which took place lawfully before consent was withdrawn.

7. Who we may share your information with

Depending on the services you require, we may share your information with Stonebridge Mortgage Solutions Limited, including for compliance, regulatory oversight and administration; mortgage lenders; banks and building societies; insurance and protection providers; specialist mortgage and finance providers; credit reference agencies; identity verification and anti-money laundering providers; fraud-prevention agencies; estate agents; solicitors and conveyancers; surveyors and valuers; accountants and other professional advisers; product sourcing and research providers; technology, CRM, document-storage and communications providers; regulatory or governmental authorities; the Financial Conduct Authority; the Financial Ombudsman Service; law enforcement agencies where required; our professional advisers, auditors and compliance providers; and other organisations where you have asked or authorised us to share your information.

We will only share information where there is a legitimate reason for doing so and will only disclose information reasonably necessary for the relevant purpose. We do not sell your personal information.

8. Credit searches and identity verification

Mortgage applications may involve credit searches and identity checks. A lender or other provider may search your records with one or more credit reference agencies. Some searches may leave a record on your credit file which can be seen by other organisations.

We may also use electronic identity verification or anti-money laundering services to confirm your identity and comply with our legal and regulatory obligations.

9. Marketing

We may contact you about our services where you have consented to receive marketing or where we are otherwise permitted to do so by law. Where consent is relied upon, you can withdraw that consent at any time by contacting info@nellmo.co.uk or using any unsubscribe facility included in our electronic marketing communications.

Stopping marketing communications will not prevent us from contacting you where necessary in connection with an existing enquiry, mortgage, insurance policy or other service.

10. How long we keep your information

We will not retain personal information for longer than is reasonably necessary. As an FCA-registered financial services business operating as an Appointed Representative, we may be required to retain information relating to advice and applications for extended periods to comply with regulatory, legal and compliance obligations.

The precise retention period depends upon the service provided, product type, regulatory and contractual requirements, potential complaints or legal claims, and instructions or requirements imposed through our regulatory network.

Where information is no longer required, we will securely delete, destroy or anonymise it in accordance with our retention procedures.

11. International transfers

Some organisations providing technology, communications, hosting or other services to us may process information outside the United Kingdom. Where personal information is transferred internationally, we will take appropriate steps to ensure it receives a level of protection consistent with UK data protection requirements, which may include adequacy regulations or appropriate contractual safeguards.

12. Keeping your information secure

We take appropriate technical and organisational measures designed to protect personal information against unauthorised access, accidental loss, misuse, alteration, disclosure and destruction. Access is limited to people and organisations who have a legitimate need to access it.

13. Your data protection rights

Depending on the circumstances, UK data protection legislation gives you rights including the right to request access to personal information we hold about you; ask us to correct inaccurate or incomplete information; ask us to erase your personal information in certain circumstances; ask us to restrict processing; object to certain processing; request transfer of certain information; withdraw consent where processing relies upon consent; and complain about how your information has been handled.

These rights are not absolute and may be subject to legal or regulatory exemptions. To exercise your rights, contact info@nellmo.co.uk. We may need to verify your identity before responding.

14. Complaints about your personal information

If you have concerns about how Nellmo has handled your personal information, please contact us first at info@nellmo.co.uk so we can investigate.

You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s independent regulator for data protection.

15. Cookies

Our website may use cookies and similar technologies. Some cookies are necessary for the website to function. Other cookies may be used for analytics, functionality or marketing purposes and, where required, will only be activated after you have provided the appropriate consent. Please see our Cookie Policy for further information.

16. Third-party websites

Our website may contain links to websites operated by other organisations. Nellmo does not control those websites and is not responsible for their privacy practices.

17. Changes to this Privacy Notice

We may update this Privacy Notice from time to time to reflect changes in our services, technology, regulation or data protection law. The latest version will be published on our website.

Nellmo Limited | Company number 15681580 | FCA number 1014885 | ICO registration ZB685484

Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.

Registered office: Top Floor, 2 Silver Street, Cirencester, Gloucestershire, United Kingdom, GL7 2BL

Email: info@nellmo.co.uk