Privacy Statement
Last updated: August 2026
At Liberty Money, we take your privacy seriously and are committed to protecting your personal information.
This Privacy Statement explains how we collect, use, store and share your personal information when you visit our website, contact us or use our mortgage and insurance services.
Liberty Money is a trading style of HMC Funding Limited, registered in England and Wales under company number 12560341, with registered office at Cooper House, Lower Charlton Estate, Shepton Mallet, Somerset, BA4 5QE.
Liberty Money is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 925009.
1. Information We May Collect
Depending on the services you ask us to provide, we may collect and process information including:
- Your name, address, date of birth and contact details
- Identification and proof of address
- Employment and self-employment information
- Income, expenditure and financial commitments
- Bank account and financial information
- Details of existing mortgages, loans, credit cards and other borrowing
- Credit history and information obtained through credit searches
- Property details
- Information about your mortgage or insurance requirements
- Information relating to your family or dependants where relevant
- Health and medical information where this is required in connection with an insurance application
- Information you provide when contacting us through our website, by telephone, email or other means
- Records of our communications with you
We will only collect information that is relevant to the service we are providing or where we otherwise have a lawful reason to do so.
2. How We Collect Your Information
We may obtain personal information:
- Directly from you
- Through forms completed on our website
- During telephone, email or face-to-face conversations
- From documents you provide to us
- From lenders, insurers and other financial service providers
- From credit reference and fraud prevention agencies
- From professional advisers or other third parties involved in your transaction
- From an introducer where you have asked or agreed for them to introduce you to us
- From publicly available sources where appropriate
Where we collect personal information directly from you, privacy information should be made available at the point the information is collected.
3. How We Use Your Information
We may use your personal information to:
- Understand your circumstances and requirements
- Provide mortgage advice and recommendations
- Arrange mortgage applications
- Arrange insurance products
- Communicate with lenders, insurers and other providers in connection with your application
- Verify your identity
- Carry out appropriate credit, affordability and fraud prevention checks
- Administer and maintain our relationship with you
- Respond to enquiries and requests
- Meet our legal and regulatory obligations
- Maintain appropriate business and compliance records
- Handle complaints
- Prevent and detect fraud or other financial crime
- Improve our services
- Contact you about relevant products and services where we are permitted to do so
Our current disclosure document confirms that our mortgage service includes advice and recommendations on residential mortgages, second charges and further advances, while insurance is provided on a non-advised basis.
4. Our Lawful Basis for Processing Your Information
Under UK data protection law, we must have a lawful basis for processing your personal information.
Depending on the circumstances, we may process your information because:
It is necessary to perform a contract or take steps at your request before entering into a contract – for example, where you ask us to investigate or arrange a mortgage or insurance product.
We have a legal or regulatory obligation – including obligations arising from financial services regulation, fraud prevention, anti-money laundering requirements and record keeping.
We have a legitimate interest – where it is reasonably necessary to operate and manage our business, communicate with customers, improve our services or protect our business, provided those interests do not override your rights and freedoms.
You have given your consent – where consent is the appropriate lawful basis for the particular processing.
Where we rely upon consent, you can withdraw that consent at any time.
5. Special Category Information
Some services, particularly insurance, may require us to process information that is considered particularly sensitive under data protection law.
This may include information about your health or medical history.
We will only process this information where there is an appropriate lawful basis and an additional legal condition allowing us to process special category information.
We will only request information that is relevant to the product or service being considered.
6. Credit Reference and Identity Checks
When dealing with a mortgage or other credit application, it may be necessary for searches to be carried out with credit reference agencies and other organisations.
Our Terms of Business explain that credit searches may be undertaken during an enquiry or application and that information may be seen or shared with lenders, credit agencies and other relevant organisations.
Where you are making a joint application, information relating to both applicants may become linked at credit reference agencies.
Information may also be used to help prevent fraud, money laundering and other financial crime.
7. Who We May Share Your Information With
Where necessary and appropriate, your information may be shared with organisations involved in providing or supporting the services you have requested.
These may include:
- Mortgage lenders
- Insurance providers
- Credit reference agencies
- Fraud prevention agencies
- Solicitors, conveyancers, surveyors and valuers
- Other mortgage or finance brokers where appropriate
- Providers of technology, software and administrative services used to operate our business
- Compliance and regulatory service providers
- Professional advisers
- Regulators, law enforcement agencies and other authorities where required by law
We will only share information where there is a lawful reason to do so.
Where we introduce or refer you to another broker or lender who deals directly with your application, that organisation may process your personal information under its own privacy policy. Our Terms of Business provide for information to be passed to another broker or lender where they deal directly with an application.
8. Keeping Your Information Secure
We take appropriate measures to protect personal information against unauthorised access, alteration, disclosure, loss or destruction.
Access to personal information is limited to those who need it for legitimate business purposes, and organisations processing information on our behalf are expected to maintain appropriate safeguards.
While we take reasonable steps to protect information, no method of transmitting information over the internet or storing information electronically can be guaranteed to be completely secure.
9. International Transfers
Some organisations or technology providers used in providing our services may process or store information outside the United Kingdom.
Where personal information is transferred internationally, we will ensure that an appropriate legal mechanism or safeguard is in place where required by UK data protection law.
10. How Long We Keep Your Information
We will only retain personal information for as long as reasonably necessary for the purpose for which it was collected and to meet our legal, regulatory, accounting and reporting obligations.
The length of time information is retained may therefore vary depending upon the type of information, the service provided and any legal or regulatory requirements that apply.
When information is no longer required, it will be securely deleted or otherwise disposed of in accordance with our data-retention procedures.
11. Marketing
We may contact you from time to time about products, services or information that we believe may be relevant to you where we have an appropriate lawful basis to do so.
Our Terms of Business provide for personal details to be used for future marketing.
You can ask us to stop sending marketing communications at any time.
Stopping marketing communications will not prevent us from contacting you where we need to communicate with you about an existing enquiry, application, policy or other service.
12. Telephone Calls and Communications
We may keep records of communications between you and Liberty Money.
Telephone calls may be recorded for training, monitoring, quality assurance, compliance and evidential purposes.
Where calls are recorded, recordings will be handled in accordance with applicable data protection requirements.
13. Automated Decision-Making
Liberty Money does not ordinarily make decisions about you based solely on automated processing that have a legal or similarly significant effect.
However, lenders, insurers, credit reference agencies and other product providers may use automated systems as part of their own assessment or underwriting processes.
Where this occurs, their own privacy information will explain how they use your personal information and any rights that may apply.
14. Your Data Protection Rights
Depending upon the circumstances and the lawful basis on which your information is processed, you may have the right to:
- Ask for a copy of the 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 the way we process your information
- Object to certain types of processing
- Request the transfer of certain information to you or another organisation
- Withdraw consent where we rely upon consent to process your information
- Object to direct marketing at any time
- Raise concerns about how your information is being used
Not all of these rights apply in every circumstance.
The ICO confirms that privacy information should explain the rights available to individuals and that these can vary depending upon the lawful basis being relied upon.
15. Contacting Us About Your Personal Information
If you have any questions about this Privacy Statement, would like to exercise one of your data protection rights, or have concerns about how your information has been handled, please contact:
Liberty Money
HMC Funding Limited
Lanier House
Tweentown
Cheddar
Somerset
BS27 3JD
Telephone: 01275 244360
We may need to verify your identity before responding to a request concerning your personal information.
16. Making a Complaint
If you are unhappy with the way we have handled your personal information, please contact us first so that we have an opportunity to investigate your concerns.
You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s independent regulator for data protection.
Information Commissioner’s Office
Our separate complaints procedure applies to complaints about the financial services we provide. Our current disclosure document gives our complaints address as Complaints Department, Lanier House, Tweentown, Cheddar, BS27 3JD and explains that eligible financial-services complaints may subsequently be referred to the Financial Ombudsman Service.
Changes to This Privacy Statement
We may update this Privacy Statement from time to time to reflect changes to our services, legal or regulatory requirements or the way we process personal information.
The latest version will always be available on our website.
Last updated: August 2026