Privacy Policy

Clifton International ("we", "us", "our") is a trading style of Fair Investment Company Limited, which is authorised and regulated by the Financial Conduct Authority under number 192852. We take the issue of privacy very seriously. This statement sets out our practice concerning the collection, use, disclosure and protection of your personal information when you use our website, contact us or ask us to help you find suitable property finance in the UK or overseas.

By using our website or submitting an enquiry, you agree to the collection and use of information in accordance with this Privacy Policy. Fair Investment Company Limited is the Data Controller for the personal information we process.

Clifton International is a trading style of Fair Investment Company Limited, a company registered in England & Wales. Fair Investment Company Limited is a credit broker, not a lender, for UK property-based transactions. For international property finance — including finance for property in Spain and other overseas markets — we do not act as a credit broker ourselves; instead, we outsource the arrangement of that finance to carefully selected third-party specialist intermediaries, who are themselves authorised or regulated as appropriate in their relevant jurisdictions.

Fair Investment Company Limited is authorised and regulated by the Financial Conduct Authority under number 192852. Further information about the firm and its regulated status is available at fairinvestment.co.uk.

We may collect and process the following categories of personal information:

• Contact details: name, email address, telephone number and postal address.
• Enquiry details: information about the property or transaction you would like us to help finance, including location, price, loan amount, loan purpose and timescales.
• Financial information: income, employment, assets, liabilities, existing borrowing and other information required by lenders to assess an application.
• Identity and verification data: date of birth, nationality, residency status and identity documents required to comply with anti-money laundering and know-your-customer obligations.
• Technical data: IP address, browser type, device information, pages visited and referring source collected automatically via cookies and similar technologies.
• Marketing preferences: your choices about receiving marketing communications from us.

We use your personal information to:

• Respond to your enquiry and provide the services you have requested.
• For UK property finance enquiries, broker and arrange suitable finance options through Fair Investment Company Limited's panel of lenders.
• For international property finance enquiries, pass your details to carefully selected specialist property finance intermediaries in the relevant jurisdiction who can assess and progress your enquiry.
• Verify your identity and comply with our anti-money laundering, financial crime and regulatory obligations.
• Administer our relationship with you, including our internal record keeping.
• Improve our website, services and marketing, and to send you updates, guides and offers where you have consented to receive them.
• Comply with legal and regulatory obligations.

Under UK GDPR we rely on the following legal bases:

• Contract: to take steps at your request before entering into a contract and to perform our services.
• Legal obligation: to comply with anti-money laundering, financial services regulation and other legal duties.
• Legitimate interests: to run our business, improve our services and communicate with clients and prospects, balanced against your rights.
• Consent: for optional marketing communications and certain cookies, which you can withdraw at any time.

We may share your personal information with:

• Specialist property finance intermediaries, including firms based in the United Kingdom and the European Union, to whom we may introduce you so that they can assess your enquiry and discuss suitable finance options. For international property finance, Fair Investment Company Limited does not itself act as a credit broker; instead, we outsource the arrangement to these third-party intermediaries, who may then share information with lenders, banks, private banks, currency providers and other finance partners as part of progressing an application.
• Lawyers, notaries, tax advisers, valuers and other professionals involved in your transaction, where you have asked us to do so.
• Our regulator (the Financial Conduct Authority), law enforcement and other authorities where we are legally required to do so.
• Trusted service providers who support our business (for example IT, hosting, CRM, email and analytics providers), who process personal data on our behalf under written contracts.
• Our principal firm Fair Investment Company Limited for regulatory oversight, compliance and shared administrative functions.

We do not sell your personal information to third parties.

Because we help clients find finance across Spain and other international markets, and may introduce you to specialist intermediary partners based in the United Kingdom and the European Union, your information may be transferred to and processed in countries outside the United Kingdom, including within the European Economic Area. Where we transfer personal data outside the UK we ensure appropriate safeguards are in place, such as adequacy decisions or standard contractual clauses.

We retain your personal information for as long as necessary to provide our services and to comply with our legal, regulatory, tax and accounting obligations. In practice this typically means up to six years after the end of our relationship, and longer where required by law or to establish, exercise or defend legal claims.

We use appropriate technical and organisational measures to protect personal information against unauthorised access, alteration, disclosure or destruction. Access to personal information is restricted to authorised staff and partners on a need-to-know basis. No transmission over the internet can be guaranteed to be completely secure, but we work to protect your data at all times.

Our website uses cookies and similar technologies to make the site work, remember your preferences, understand how visitors use the site and support our marketing. You can control cookies through your browser settings and, where offered, through the cookie preferences on our website. Disabling some cookies may affect the functionality of the site.

Under UK GDPR you have the following rights in relation to your personal data:

• Access to a copy of the personal information we hold about you.
• Rectification of inaccurate or incomplete information.
• Erasure of your personal data in certain circumstances.
• Restriction of, or objection to, certain processing.
• Data portability for information you have provided to us.
• Withdrawal of consent where processing is based on consent.
• The right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

To exercise any of these rights please contact us using the details below. We may need to verify your identity before responding.

Where you have consented, we may send you information about our services, market updates and relevant guides. You can opt out at any time by clicking the unsubscribe link in any marketing email or by contacting us directly.

We may update this Privacy Policy from time to time. The latest version will always be available on this page with the date it was last updated.

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

• Email: helpdesk@cliftonpfinternational.com
• Phone: +44 (0)20 4652 3275
• Post: Clifton International, Kings House, 14 Orchard Street, Bristol BS1 5EH, United Kingdom

You can also get in touch via our contact page.