Privacy Policy
This Privacy Policy explains how personal information is collected, used, shared and protected when you contact Capital Advice, use this website or engage with our mortgage services.
Last updated: 12 August 2026
Who Is Responsible for Your Information?
Capital Advice is a trading style of Orchard Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 623905.
For the purposes of UK data protection law, Orchard Financial Solutions Ltd is responsible for personal information processed in connection with services provided through Capital Advice.
Privacy enquiries: compliance@orchardfinancialsolutions.co.uk
Personal Information We May Collect
The information we need depends on how you interact with us and the mortgage service you are considering.
Identity & Contact Details
Your name, contact details and other information needed to identify and communicate with you.
Mortgage & Property Information
Information about your property plans, existing mortgage, deposit, borrowing requirements and related circumstances.
Financial Information
Information about income, expenditure, financial commitments and other details needed to understand affordability and mortgage requirements.
Communications
Records of enquiries, conversations, correspondence and information you provide during the advice process.
Website Information
Technical and usage information that may be collected when you visit the website, subject to the Cookie Policy and your cookie choices where applicable.
Marketing Preferences
Your preferences about receiving optional marketing communications where these are offered.
How We Use Personal Information
Our Lawful Bases
Depending on the purpose, we may process personal information because it is necessary to take steps at your request before entering into a contract, to perform a contract, to comply with a legal obligation, for legitimate interests where appropriate, or because you have given consent.
Where special category information is relevant and needs to be processed, an additional lawful condition will also be required under UK data protection law.
Who We May Share Information With
We only share personal information where there is a relevant purpose and lawful basis. Depending on the service and your circumstances, recipients may include:
International Data Transfers
Orchard Financial Solutions Ltd does not transfer your personal data outside the European Economic Area.
How Long We Keep Personal Information
Personal information is retained only for as long as it is needed for the purpose for which it was collected and to meet applicable legal, regulatory, contractual and record-keeping obligations.
Where a policy or mortgage has been arranged, Orchard Financial Solutions Ltd will retain your file, including any call recordings, for a minimum of six years. If it needs to be retained for longer, you will be informed.
Keeping Information Secure
Appropriate organisational and technical measures are used to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.
Your Data Protection Rights
Depending on the circumstances and the lawful basis used, UK data protection law may give you the following rights.
You can contact Orchard Financial Solutions Ltd if you want to exercise a data protection right or ask a question about how your information is used.
Marketing Communications
If Capital Advice offers optional marketing communications, your information will only be used for that purpose where there is an appropriate legal basis. You can ask to stop receiving direct marketing at any time.
Cookies and Website Tracking
For information about cookies and similar technologies used on this website, including how preferences can be managed, please read our Cookie Policy.
Privacy Questions or Requests
To ask a question about this Privacy Policy or exercise a data protection right, contact Orchard Financial Solutions Ltd using the details below.
Email: compliance@orchardfinancialsolutions.co.uk
Telephone: 01257 543013
Trading address: Chorley Business & Technology Centre, East Terrace, Euxton Lane, Chorley, PR7 6TE
Complaints About Data Protection
If you have concerns about how your personal information has been handled, please contact us first so we can consider your concerns. You also have the right to complain to the Information Commissioner’s Office, the UK data protection regulator.
Changes to This Privacy Policy
This Privacy Policy may be updated when our services, legal obligations or data processing activities change. The latest version will be published on this page with an updated review date.