Privacy policy

Compare My Rate is a trading style of Zeo Finance Ltd (“we”, “us”, “our”). Zeo Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA number 915386). Our company registration number is 10950796. Our registered office is 604 London Road, Davenham, Northwich, Cheshire, CW9 8LW.

This privacy policy explains how we handle personal information in connection with the Compare My Rate website and related services at this stage of our service (Version 1).

When you use Compare My Rate, you may choose to enter information into mortgage comparison tools, calculators, or enquiry flows (including those provided through embedded third-party WebTools). Depending on how you use the site, this may include information such as your name, contact details, property or mortgage details, and other information relevant to a mortgage enquiry or advice request.

You should only provide information that is accurate and that you are comfortable sharing for the purpose of exploring mortgage products or requesting contact.

When you visit our website, our hosting and infrastructure providers may process technical information needed to deliver the site securely and reliably. This can include your IP address, browser type, device information, pages viewed, and approximate timing of requests.

Based on our current website setup, we do not operate first-party marketing analytics or advertising tracking on Compare My Rate at this time. If we introduce additional website technologies in future, we will update this policy.

If you use the Enquire function (or similar enquiry features) within our mortgage comparison tools, information you submit may be used to respond to your request, to arrange contact from an adviser, and to progress a mortgage-related enquiry or advice journey where applicable.

Enquiry handling may involve Zeo Finance Ltd and parties involved in providing mortgage advice, administration, or related services connected to your request.

Compare My Rate embeds Twenty7Tec WebTools to provide mortgage comparison, calculator, and enquiry functionality within our pages. When you interact with these embedded tools, you are also interacting with a third-party service operated by Twenty7Tec.

We do not control Twenty7Tec's own privacy practices. Data you enter into an embedded WebTool may be processed by Twenty7Tec and/or configured according to our arrangement with them. We recommend reviewing any privacy information made available within or alongside those tools where provided.

We use personal information to:

• provide and maintain the Compare My Rate website;
• enable you to search and compare mortgage products and use calculators;
• respond to mortgage enquiries and arrange adviser contact where requested;
• provide mortgage advice and related regulated services where applicable;
• comply with legal and regulatory obligations; and
• improve the security, performance, and reliability of our website.

UK data protection law requires a lawful basis for processing personal information. Depending on the activity, we may rely on one or more of the following at a high level:

• Consent — where you choose to submit an enquiry or provide information voluntarily;
• Contract / steps prior to contract — where processing is necessary to respond to your request or provide services you ask for;
• Legal obligation — where we must process data to comply with law or regulation;
• Legitimate interests — where necessary to operate, secure, and improve our website and services, balanced against your rights.

Where we provide regulated mortgage advice, additional regulatory requirements may also apply to how we handle your information.

We may share personal information with service providers and other parties where necessary to operate Compare My Rate, deliver embedded WebTools functionality, respond to enquiries, or provide mortgage advice and related services. This may include technology suppliers, hosting providers, and professional advisers.

We may also disclose information where required by law, regulation, court order, or a request from a competent authority.

We do not sell your personal information.

We keep personal information only for as long as necessary for the purposes described in this policy, including to respond to enquiries, provide services, meet legal and regulatory requirements, and resolve disputes.

Retention periods vary depending on the type of information and why it was collected. Further detail will be provided when appropriate contact channels for privacy requests are published on this website.

We use appropriate technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse, or alteration. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Under UK data protection law, you may have rights including the right to access, rectify, erase, restrict or object to processing, and data portability in certain circumstances. You may also have the right to lodge a complaint with the Information Commissioner's Office (ICO).

To exercise your rights, please visit our Contact page and follow the instructions there. We will respond in line with applicable data protection law.

Cookies are small files stored on your device when you visit a website. Our site may use cookies or similar technologies that are strictly necessary to deliver the website and embedded tools.

Embedded Twenty7Tec WebTools may use their own cookies or similar technologies. We have not independently verified Twenty7Tec's cookie practices in this policy. Any cookie behaviour within an embedded tool is subject to Twenty7Tec's own technology and configuration.

We do not currently run first-party analytics or advertising cookies on Compare My Rate. If this changes, we will update this policy and provide further information as required.

Our website may link to third-party websites or services. Those sites are not controlled by us and have their own privacy practices. We encourage you to read their policies before providing personal information.

We may update this privacy policy from time to time. The “Last updated” date at the top of this page will change when we do. Please review this page periodically.