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Privacy Policy

1. Introduction

First Time Finance (“we,” “us,” or “our”) is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Who We Are

First Time Finance is a trading style of Salgueiro Financial Ltd, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FCA). Our registered office is located at 8 Matthew Street, Reigate, RH2 8ES, United Kingdom. Registered Company Number: 14305982. Salgueiro Financial Ltd is the data controller for the purposes of data protection law.

3. What Data We Collect

We only collect basic personal data which you provide directly to us, such as:

  • Personal Identification Information: Name, date of birth, nationality, marital status.
  • Contact Information: Address, email address, phone number.
  • Financial Information: Income details, employment status, credit history, bank details.
  • Identification Documents: Passports, driving licenses, utility bills.
  • Health Information: Where relevant for certain insurance products.
  • Technical & Usage Data: IP address, browser type, site usage patterns.
  • Marketing Preferences: Your choices in receiving communication from us.

We do not collect special category data or location-based data unless specifically required and provided with your consent.

4. How We Collect Your Data

Your personal data is collected through:
  • Direct Interactions: Forms you complete, phone/email conversations, service requests.
  • Automated Technologies: Via cookies and similar tracking tools on our website.
  • Third Parties: Credit agencies, employers, public records, or others as required for service.

5. Why We Collect Your Data

We collect and process your personal data to:

  • Respond to your message, request, or query.
  • Assess your eligibility for mortgage products and financial services.
  • Communicate important updates, decisions, and service changes.
  • Fulfil our legal and regulatory obligations.
  • Improve our services and website.
  • Share relevant information about similar services you may find useful (only if opted in).

6. Who We Share It With

Your data may be shared with:

  • Lenders or Financial Institutions (for mortgage processing)
  • Third-party service providers (e.g., IT or marketing support)
  • Regulators (e.g., the FCA)
  • Professional advisors (lawyers, accountants, etc.)
  • Credit Reference Agencies

We will only share your personal data with third parties where necessary to fulfil your request. Where applicable, your consent will be sought before sharing.

7. Legal Basis for Processing

We process your data under the following legal bases:

  • Contractual necessity
  • Legal obligation
  • Legitimate interest (e.g., improving services, ensuring compliance)
  • Consent (for marketing or where required by law)

8. Data Retention

We retain your personal data only for as long as needed:

  • Typically, data is stored up to six years after the end of any business relationship.
  • After this, data is securely destroyed.
  • You can request that we stop processing your data at any time by contacting hello@firsttimefinance.co.uk.

9. Your Rights

You have the right to:

  • Access your data
  • Rectify inaccurate or incomplete data
  • Erase data no longer required
  • Restrict or object to data processing
  • Withdraw consent at any time
  • Request data portability

To exercise these rights, contact us at hello@firsttimefinance.co.uk. If you have concerns, you may also contact our compliance team at compliance@sdlgroup.co.uk. If you’re unsatisfied with our response, you may raise a complaint with the Information Commissioner’s Office: https://ico.org.uk

10. Cookies

Our site uses cookies to enhance your browsing experience. For details, see our [Cookie Policy].

11. Third-Party Links

Our website may include links to third-party sites, such as the Financial Conduct Authority (FCA) Register, Trustpilot, or other external resources. These links are provided for your convenience and to offer additional information.
View our entry on the Financial Services Register.
You are now leaving the website of Salgueiro Financial Ltd and we cannot be held responsible for the content of this external website.
Please ensure you review the privacy policies of any external sites before submitting personal information.

12. Updates to This Policy

This Privacy Policy may be updated from time to time. Any changes will be published here and, if significant, emailed to you. Please check this page regularly.

13. Contact Us

For any privacy-related enquiries, you can contact us at:
hello@firsttimefinance.co.uk
Salgueiro Financial Ltd, 8 Matthew Street, Reigate, RH2 8ES, United Kingdom
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Privacy Policy   Terms & Conditions   Cookie Policy 

First Time Finance is a trading style of Salgueiro Financial Ltd, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered Office: 124 City Road, London, United Kingdom, EC1V 2NX.

Company Number: 14305982 (Registered in England & Wales).

View our entry on the Financial Services Register.

There may be a fee for arranging a mortgage, which will be agreed upon before advice is given. The precise amount depends on your circumstances and mortgage type, but typically includes a £495 upon mortgage offer confirmation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

SALGUEIRO FINANCIAL LTD will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. 

Why do you need my data and what will it be used for? We need to know your basic personal data so we can contact you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. 
Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. 
How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing your data.
To do this, please contact hello@firsttimefinance.co.uk. 
What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: