Privacy Policy

Our Information

Equaliti Limited, trading as Numo, is dedicated to safeguarding your privacy and ensuring the confidentiality and integrity of the information you entrust to us.

In this Privacy Policy, when we mention "We," "Our," "Us," or "Numo," we are specifically referring to Equaliti Limited. Your privacy is of the utmost importance to us, and we are committed to complying with all relevant data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Please read this Privacy Policy to acquaint yourself with your rights, the types of information we collect, and how we use and protect it.

If you have any questions or wish to discuss this Privacy Policy, you can contact our data protection officer at data@numo.money or call us at 01625 682663. You can also find more information about Numo on our website: https://www.numo.money

Personal Data We Use We process various types of personal data, including but not limited to:

Personal information, such as your name, address, date of birth, employment details, gender, nationality, and contact details, including phone numbers and email addresses.
Information related to your family, lifestyle, and social circumstances, including details about dependents, marital status, and property.
Health-related data, if required for our services.
Financial information, such as details about bank accounts, mortgages, credit arrangements, and income sources.
Identity-related information, including visual images of identification documents like passports and driving licences.
Credit history information.
Marketing communication preferences.
Cookie consent preferences.
Information related to complaints.
10.Online profile information and activity, derived from your interactions with us and our websites and applications. This may include login information, Internet Protocol (IP) addresses, smart device details, location coordinates, and site usage patterns.

Sources of Information and Purpose of Data Processing We obtain personal data from various sources and process it for specific purposes, including:

Information Provided by You: You may provide us with personal data when interacting with our website or communicating with us via phone, email, web chat, letter, social media, or other means. This includes data you or your authorized representative provide when creating an online account, sharing information during advisory meetings, reporting issues with our site, lodging complaints, requesting additional services, or making general inquiries. If you are sharing another person's information or special category data (e.g., health data) as a joint applicant or policyholder, you must ensure that they have read and understood our Privacy Policy and our Terms of Our Advisory Services. We may need to verify this information with the concerned individual(s) at a later stage.
Information Obtained from Other Sources: We may collect personal data from third-party sources, including but not limited to:

Identity verification services, credit agencies, and anti-money laundering checks to meet regulatory requirements, validate the information you provide, and fulfil obligations to mortgage and protection providers.
Product providers, lenders, partners, affiliates, or external review sites.
Law enforcement and fraud prevention agencies, as well as regulatory bodies, for the purpose of detecting, preventing, and investigating economic criminal activities.

For detailed information on how we share and use your personal data with Credit Reference Agencies, please refer to the sections titled 'Use of Personal Information with Credit Reference Agencies' and 'Use of Personal Information in relation to services involving CRAs' below.

In addition, we may automatically collect the following information during your interactions with us:

Any phone number used to contact our office or provided as a communication address.
When you visit our website, we utilize a third-party service, Google Analytics, to gather standard internet log information and details about visitor behaviour patterns. This helps us analyse the number of visitors to various parts of our site and aids in optimizing and improving the website. This information is processed in a manner that does not directly identify individuals. We do not attempt, nor do we allow Google to attempt, to identify the identities of visitors to our website.

How We Use Your Personal Data and the Lawful Basis for Processing We will only process your personal data when permitted by law. Below, we outline the purposes for which we intend to use your personal data and the legal bases on which we rely to do so.

Please also refer to the sections titled 'Use of Personal Information with Credit Reference Agencies' and 'Use of Personal Information in relation to services involving CRAs' for detailed information on how your personal data is shared with and used by Credit Reference Agencies.

Processing Based on Contractual Obligations:

To fulfill our obligations under agreements between you and us, and to provide you with the information, products, and services you request from us. This may involve sharing personal information with our third-party service providers and referral partners, as requested by you.
To send you service messages and updates regarding the products or services provided.
To utilize sourcing solutions to research products and complete applications on your behalf with relevant providers.
When processing health data to source products, provide illustrations, and submit applications to product providers.

Processing Based on Legal Obligations:

To verify your identity, prevent fraud and money laundering, and meet regulatory obligations, such as complaints investigation, regulatory requests, and requests from enforcement agencies.

Processing Based on Legitimate Interests:

To provide you with information on related products and services that we believe may be of interest to you.
To enable your participation in interactive features of our services, should you choose to do so.
For security purposes and website optimization, to ensure that our site's content is presented effectively for you and your device.
For review and audit purposes, as well as analytics and statistical analysis, to ensure we are meeting the needs of our customers and our business.
To respond to general inquiries.
To collect and respond to feedback reviews, ensuring that we meet the needs of our customers and our business.
To provide confirmation of a sale's completion to partners who may have offered you a reward.

Processing Based on Consent:

For marketing material related to unrelated products or services. We will not share your information with third parties for marketing purposes without your consent.
For non-essential cookies: We use a cookies tool on our website to obtain consent for optional cookies. You can find more details on how we use cookies on our Cookies page.

You have the right to withdraw your consent at any time, without affecting the lawfulness of processing based on consent before withdrawal.

If you change your mind, you can withdraw your consent and opt out at any time by:

Contacting us at 01625 682663.
Writing to us at Equaliti Limited, Glasshouse, Alderley Park, Alderley Edge, Cheshire. SK10 4TF
To change your cookie preferences, you can do so through the website.
To opt out of marketing, you can use the unsubscribe link in marketing emails or email us at hello@numo.money

Please allow up to 14 business days for your new preferences to take effect.

With Whom We Share Your Personal Data We take the privacy of your information seriously and will only share it in the following circumstances:

When We Have a Legal Basis:

To provide you with requested products or services.
To fulfil public or legal duties, such as assisting in fraud detection, tax evasion prevention, regulatory reporting, litigation, or the defence of legal rights.
When we have your explicit permission to share your data, and you have agreed to it.

Parties We May Share Information With:

Third-party providers who assist us in delivering our services. These third parties are bound by strict confidentiality agreements and are prohibited from using your information for any purpose other than the one specified.

Please refer to the sections titled 'Use of Personal Information with Credit Reference Agencies' and 'Use of Personal Information in relation to services involving CRAs' for more information on how we share and use your personal data with Credit Reference Agencies.

Additionally, we may share your information with:

Business partners, lenders, and product providers, as necessary to fulfil agreements between you and us.
Business partners who introduced you to Numo, to provide statistical information and facilitate incentive or reward schemes offered by them to you.
Fraud prevention agencies, for the prevention of fraud and money laundering and to verify your identity.
Any member of our group, including our subsidiaries, ultimate holding company, and its subsidiaries.
In case of a business acquisition or sale, we may disclose your personal data to prospective buyers or sellers of such business or assets, including personal data related to customers, if applicable.

Your adviser will provide you with details of any specific lender or product provider with whom we need to share your data during your meeting.

Use of Personal Information with Credit Reference Agencies To find the most suitable product for you, we may utilize information held by credit reference agencies (CRAs). A CRA collects personal information from various sources and provides it for various purposes, including prospective lenders' use in making credit decisions.

The usage of your information by us and the CRAs is detailed in the section 'Use of Personal Information in relation to services involving CRAs.' By confirming your agreement to proceed, you are acknowledging that we and the CRAs may each use your information in this manner.

Use of Personal Information in relation to services involving CRAs We may consult CRAs for publicly held data, such as the electoral roll and shared credit performance data, to determine the most suitable products for you and to validate the information you provide to us. It is important to note that there may be alternative products available from lenders who are not affiliated with this service.

When a CRA receives a search request from us, they will place a quotation search footprint on your credit report, regardless of whether you decide to apply for the product. This search will not negatively impact your credit rating.

The data we provide to CRAs may be shared with other organisations, including Fraud Prevention Agencies, for identity verification, fraud prevention, tracing, and debt collection purposes. CRAs may also use the data for statistical analysis.

In certain cases, your data may be shared with lender(s) to verify if you are an existing customer (which may affect your eligibility for their products) or for fraud prevention purposes. Note that the lender is not authorized to use your data for any other purpose.

You can obtain a copy of your credit report from any of the CRAs as follows:

Call Credit: Visit www.callcredit.co.uk/crain or write to Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, or call 0870 0601414.
Equifax: Visit www.equifax.co.uk/crain or write to Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US, or call 0844 335 0550. You can also log on to www.myequifax.co.uk.
Experian: Visit www.experian.co.uk/crain or write to Consumer Help Service, PO Box 8000, Nottingham NG80 7WF, or call 0844 4818000. You can also log on to www.experian.co.uk.

Links To and From Other Websites

This Privacy Notice only pertains to Numo, and it does not cover the data processing practices of other organisations linked to or from our website. We encourage you to review the Privacy Notices of any other websites you visit to understand their data handling processes.

International Transfer of Personal Data

Numo will only transfer personal data to recipient organisations outside the UK if those organisations are obligated to protect personal data in a manner similar to that required by UK law. We ensure this protection through at least one of the following safeguards:

Transferring data only to countries that UK law deems to provide an adequate level of personal data protection.
Including specific terms in contracts between us and recipient organisations, which have been approved for use in the UK and provide personal data with the same level of protection as in the UK.

Automated Decision-Making

We utilize automated checks to determine your eligibility for a mortgage and whether we or selected partners are best suited to assist with your mortgage requirements. In some cases, this may result in neither Numo nor our selected partners being able to help you secure a mortgage. Our decision-making process may involve reviewing your credit profile, affordability, property details, and product availability based on the information you provide. If we are unable to assist you, it does not necessarily mean you cannot obtain a mortgage; it simply means that we cannot help you at this time.

How We Store Your Information The security of personal data is of utmost importance to us. As such, we have implemented appropriate security measures to protect personal information from being lost, accessed, or used in an unauthorized manner.

How Long We Store Your Personal Data

We retain your personal data for only as long as necessary. The duration of retention depends on various factors, including the purpose and legal basis for data collection at the time of collection, as well as any ongoing relationship we maintain with you. We ensure that data retention aligns with your needs, as well as our legal and regulatory obligations and agreements with you, in a fair and proportionate manner.

Your Rights Over Your Data You have specific rights regarding your personal data, including:

The Right to Be Informed:

Organisations must inform individuals about the data being collected, its purpose, retention period, and whether it will be shared with third parties. This information must be communicated concisely and in plain language.

The Right of Access:

Individuals have the right to access their personal data through a "data subject access request." This enables individuals to obtain a copy of their personal data held by an organization and confirm its lawful processing. Organisations generally have one month to fulfil such requests, with exceptions for unfounded, repetitive, or excessive requests.

The Right to Rectification:

If individuals discover that the data an organization holds about them is inaccurate or incomplete, they can request its correction. Similar to the right of access, organisations typically have one month to make corrections, with exceptions.

The Right to Erasure:

Also known as the "right to be forgotten," individuals can request the erasure of their data in specific circumstances, including when data is no longer necessary, unlawfully processed, or no longer serves its original purpose. This right also applies when individuals withdraw their consent, although specific legal exceptions may apply.

The Right to Restrict Processing:

Individuals can request the limitation of how an organization processes their data. This can be an alternative to data erasure and is applicable when individuals contest data accuracy or when data is no longer needed for the original purpose but is required for legal purposes.

The Right to Data Portability:

Individuals have the right to obtain and reuse their personal data across different services or organisations. This right allows individuals to move, copy, or transfer personal data easily and securely.

The Right to Object:

Individuals can object to the processing of their data in certain situations, particularly when the processing is based on legitimate interests or for direct marketing purposes. Organisations must stop processing data upon receiving an objection, unless they have compelling legitimate grounds for continuing.

Rights Relating to Automated Decision-Making and Profiling:

Individuals have the right not to be subject to decisions made solely by automated means, including profiling, that have legal or similarly significant effects on them, except when these decisions are necessary for entering into or performing a contract, authorized by law, or based on explicit consent.

To exercise any of these rights, please contact our Data Protection Officer at data@numo.money or call us at 01625 682663. You can also write to us at Equaliti Limited, Glasshouse, Alderley Park, Alderley Edge, Cheshire. SK10 4TF. We will respond to your request within one month, but this may be extended by two months if the request is complex or numerous. We will inform you of any extension and the reasons for the delay within one month of receiving your request.

If you are not satisfied with how we handle your personal data or any privacy-related issues, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's supervisory authority for data protection issues. You can contact the ICO at:

Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF

Phone: 01625 682663

Changes to Our Privacy Policy We may update this Privacy Policy to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on this page, and the Privacy Policy's modification date will be updated accordingly. Please check this page periodically to stay informed about our latest practices and policies regarding your personal data.

Date of Last Revision: September 1, 2023

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