Privacy Policy
Rate Rebels Limited
Last updated: Wednesday 26 November 2025
Rate Rebels Limited (“we”, “us”, “our”) is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use and protect your information when you visit our website, contact us, or use our services.
Rate Rebels Limited is an Appointed Representative of Richdale Brokers & Financial Services Ltd (FRN 769876), which is authorised and regulated by the Financial Conduct Authority.
1. Information we collect
Information you give us directly
- Name
- Email address
- Telephone number
- Details about your enquiry
- Supporting documents you choose to provide
- Your marketing preferences
Information collected automatically
- IP address
- Browser type
- Device details
- Website usage data (analytics and cookies)
Information from third parties
- Richdale Brokers & Financial Services Ltd
- Mortgage lenders
- Identity and credit agencies (only with your consent)
- Professional service providers (e.g. solicitors, valuers)
2. How we use your information
We use your personal data to:
- Respond to your enquiry
- Provide mortgage advice and arrange mortgages
- Carry out identity and compliance checks
- Communicate throughout your application
- Fulfil our legal and regulatory obligations
- Send marketing communications (if you opt in)
- Improve our website and user experience
3. Legal basis for processing your data
We rely on the following lawful bases:
- Consent – when you submit a form or opt in to marketing
- Contract – to provide advice or brokerage services
- Legal obligation – FCA compliance, anti-fraud checks, record keeping
- Legitimate interests – analytics, administration, service improvement
4. Sharing your information
We may share your personal data with:
- Richdale Brokers & Financial Services Ltd
- Mortgage lenders
- Credit reference agencies (with your permission)
- Solicitors, valuers, conveyancers
- IT, CRM, and email service providers
- Regulators and authorities where legally required
We never sell your data.
5. International transfers
Your data is normally stored within the UK or EEA.
If transferred overseas, we ensure adequate safeguards such as Standard Contractual Clauses.
6. Data retention
In line with FCA requirements:
- We retain your data for 6 years after our relationship ends
- Marketing data is retained until you unsubscribe or request deletion
- Some records may be kept longer if legally required
7. Your rights
You have the right to:
- Access the data we hold about you
- Request correction of inaccurate data
- Request deletion
- Restrict or object to processing
- Data portability
- Withdraw consent at any time
- Opt out of marketing whenever you choose
To exercise your rights, email: admin@raterebels.co.uk
8. Marketing communications
You will only receive marketing emails if you actively opt in.
You may unsubscribe at any time.
9. Cookies
We use cookies to improve functionality and analyse website traffic.
See our Cookie Policy for more information.
10. Security
We use technical and organisational measures to protect your personal data, including encryption, secure servers, and access controls.
Please note that email without encryption may not be the safest method of communication.
11. Contact us
For privacy concerns or data requests, contact:
Rate Rebels Limited