Privacy Policy

Privacy notice

Pinetree Capital is committed to protecting your privacy. This policy statement, together with any document referred to within, sets out the basis on which we will use the personal information you supply to us directly yourself or supplied to us by a third party. Pinetree Capital is responsible for the processing of the personal information you supply and is registered with the Information Commissioner's Office under the UK Data Protection Act 1998.

Website

We have structured our website so that you can visit without identifying yourself or revealing any personal information. If you review or download information from the website, this information is tracked to enable us to provide you with tailored information and to give us insight into your website usage. This action will not personally identify you. Should you wish to complete a contact or enquiry form on the website or through our connected portals, we collect and store the personal information supplied to us via secure servers to enable us to fulfil your request.

Any personal information you choose to disclose via the website or portals will be processed in accordance with this privacy notice.

What information do we collect?

To arrange a mortgage, loan, associated plan, or other service for you, we will need to collect a wide range of personal data and financial-related information. Our UK-based team will only collect information pertinent to the service we provide and will hold this information only for as long as necessary. We will also collect credit or debit card details to make payments for Pinetree Capital services and to pass to relevant parties such as lenders and surveyors. This information will not be retained after payment has been made. We will retain and process your personal information based on our ‘Terms of Business’ or other contract with you, our statutory and legal obligations, our regulatory requirements, and our legitimate business interests.

How is the information collected?

We collect information via various means, including website forms, telephone calls, email, text messages, social media, post, and face-to-face meetings. We may also monitor and record our telephone conversations with you.

The information may be collected directly by Pinetree Capital and its staff or from third parties to whom you have agreed may pass your personal information to Pinetree Capital.

How is the information used?

Pinetree Capital will use personal data received to process your request for a mortgage, loan, associated product, or other service on your behalf. We will also use the information to improve how we support our customers, which includes but is not limited to: 

Letting you know about changes to our products and services.
Confirmation of your identity.
Training of our staff.
Fraud investigation and prevention.
Verification of the documents and information you provide.
Keeping our records up to date and complying with regulatory and legal obligations.
Administration and review of the mortgages, finance, and products we have arranged for you.
Helping us assess your needs for protection plans in connection with your borrowing.

Who will your information be shared with?

To arrange a mortgage, loan, or other service or product, we will need to share your personal data with relevant third parties. These third parties include mortgage lenders, product providers, surveyors, solicitors, and other relevant parties. If your request for services has come from an introducer of business to Pinetree Capital, we may share limited information with the introducer for the purposes of keeping them informed about the progress of your application. 

We use third-party software systems, including cloud-based storage, to help us manage your applications and services and process and verify the personal information you supply to us. All software suppliers store any data in the UK and comply with UK regulations, including the UK Data Protection Act 1998, and are obliged to keep your details secure and use them only to fulfill the contracted service.

Marketing

We will seek your explicit consent to provide you with general market news, updates, and information about products and services offered by Pinetree Capital that are not connected with your specific mortgage, loan, or other service application. You will not be automatically opted into marketing without your consent. We will not provide your personal data to any unconnected third party for marketing purposes.

We will obtain explicit consent from you via our website, face-to-face meetings, events, email, or completion of a consent form and will keep a record of your consent. Marketing may include emails, telephone calls, social media, and postal marketing. You can update your preferences or withdraw consent at any time.

Changes to our privacy policy

It may be necessary to update this privacy policy from time to time to meet legal, regulatory, and commercial requirements. Please visit this page periodically for any changes. Any personal data collected prior to a change will not be affected without your permission.

Changes of ownership

Pinetree Capital may, from time to time, sell or transfer control of the company. Any personal data supplied by you, where relevant to the part of the business being sold or transferred, will be transferred to the new owner or controlling party and will continue to be used under the terms of this policy for the purposes that the personal data was originally supplied.