Privacy Policy

Updated 6th January, 2019

Thank you for choosing to be part of our community at Alexander Ross Mortgages, doing business as LJ Financial Planning Ltd (“LJ Financial Planning Ltd”, “we”,”us”, or “our”). We are committed to protecting your personal information and your right to privacy . If you have any questions or concerns about our policy, or our practices with regards to your personal information please contact us at

When you visit our website, and use our services, trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it cartefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services.

This privacy policy applies to all information collected through our website (such as, and/or any related services, sales, marketing or events (we refer to them collectivly in this privacy policy as the “Sites“).

Please read this privacy policy carefully as it will help you make informed decisions about sharing your personal information with us.

Table of Contents

1. What information do we collect?
2. How do we use your information?
3. Will your information be shared with anyone?
4. Do we use cookies and other tracking technologies?
5. How long do we keep your information?
6. How do we keep your information safe?
7. Do we collect information from minors?
8. What are your privacy rights?
9. Controls for do-not-track features
10. Do California resident have specific privacy rights?
11. Do we make Updates to this privacy Policy?
12. How can you contact us about this policy?

1. What information do we collect?

In short: We may collect limited data from public databases, marketing partners, and other outside sources.

We may obtain informatiuon about you from other sources, such as public databases, joint marketing partners, as well as from other third parties. Examples of the information we receive from other sources includes; marketing leads and search results and links, including paid listings (such as sponsored links).

2. How do we use your information?

In short: We process your information for purposes based on legitimate business intrersts, the fulfilment of our contract with you compliance with our legal obligations, and/or your consent.

We use personal infortmation via our Sites for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business intersts (“Business Purposes”).  In order to enter into or perform a contract with you (“Contractual”), with your consent (“Consent”), and/or for compliance with our leagal obligations (“Legal Reasons”). We indicate the specific preocessing grounds we rely on next to each purpose listed below.

We use the information we collect or receive:

* To send you marketing and promotional communications. We are/or our third party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt-out of our marketing emails at any time ( See the “what are your privacy rights” below)

* Deliver targeted advertising to you. We may use your information to develier and display content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectivness.

* Request Feedback. We may use your inforamtion to request. We may use your information to request feedback and to contact you about your use of our Sites.

* To protect our Sites. We may use your information as part of our efforts to keep our Sites safe and secure (for example, for fraud monitoring and prevention).

*To enforce our terms, conditions and policies.

*To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determin how to respond.


3. Will your information be shared with anyone?

In short: We only share inforamtion with your consent, to comply with laws, to protect your rights, or to fulfill business obligations.

We may process or share data based on the following legal basis;

* Consent: We may process your data if you have given us specic consent to your your personal information in a specific purpose.

* Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.

* Performance of a Contract: Where we have entrered into a contract with you , we may process your personal information to fulfill the terms of our contract.

* Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governement requests, a judicial proceeding , court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements)

* Vital Interests: We may disclose your information wehre we believe it is necessary to investigate , prevent , or take action regarding potential violations or our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involoved.

More specifically, we may need to process your data or share your personal information in the following situations:

* Business Transfers: We may share or transfer you inforamtion in connection with, or during negotions of any merger, sale of company assets, financing, or acquestion of all or a portion of our business to another company.

* Third-Party Advertisers. We may use third-party advertising companies to serve ads wher you visit the Sites. These companies may use information about your visitis to our Website(s) and other websites that are contained in web cookies and other tracking technologies in order to provide advertisments about goods and services of interest to you.

4. Do we use cookies and other tracking technologies?

In short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information about how we use such technologies and how you can refuse certain cookies is set our in our Cookie Policy

5. How long do we keep your information?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set our in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than 2 years.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securly store your personal information and isolate it from any further processing until deletion is possible.

6. How do we keep your information safe?

In Short: We aim to protect your personal information through a system of organisational and technical security measures.

We have implemented appropriate technical and organisational security measures designed to protect the security of any personal information we process.  However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Sites is at your own risk. You should only access the services within a secure environment.

7. Do we collect information from minors?

In Short: We do not knowingly collect data from or market to children under 13 years of age.

We do not knowlingly solicit data from or market to children under 13 years of age. By using the Sites, you reprsent that you are at least 13 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Sites. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take responsible measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 13, pelase contact us at;

8. What are your privacy rights?

In Short: In some regions, such as the European Economic Area, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.

In some regions (like the European Economic Area), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data protability certain circumstances,  you may also have the right to object to the processing of your personal information. To make such a request, please use the contact details provided below. We will consider and act upon any request in accordance with applicable data protection laws.

If we are relying on your consent to process your personal information, you have the right to withdraw your consentat any time. Please note however that this will not affect the lawfulness of the processing before its withdrawal.

If you are resident in the European Economic Area and you believe we are unlawfully processing your personal information, you alson have the right to complain to your local data protection supervisory authority. You can find their contact details here:

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. if you prefer, you can usually choose to set your browser to remove cookies, or reject cookies, this could affect certain features or services to our Sites. To opt-out of interest-based advertising by advertisers on our Sites visit

9. Controls for do-not-track features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT Signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

10. Do California resident have specific privacy rights?

In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

Califonia Civil Code Section 1798.83, also know as the “Shine The Light” law, permits our users who are California residents top request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclose to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. if you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with the Sites, you have the right to request removal of unwanted data that you publicly post on the Sites.  To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Sites, but please be aware that the data may not be completely or comprehensivly removed from our systems.

11. Do we make Updates to this privacy Policy?

In Short: Yes, we will update this policy as nesessary to stay compliant with relevant laws.

We may udpate this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encouraged you to review this privacy policy frequently to be informed of how we are protecting your information.

12. How can you contact us about this policy?

If you have any questions or comments about this policy, you may email us at or by post to:

Alexander Ross Mortgages
Suite 2d, Ground Floor, Blackthorn House,
Skull House Lane, Appley Bridge,
Wigan, WN6 9DB
United Kingdom

13.How to make contact with our Firm in relation to the use of Your Personal Data.

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set within it please contact:

Jason McDonald

Email : by phone 0345 0099580, or write to Data Protection Alexander Ross Mortgages, Blackthorn House, Suite 2d Ground Floor, Skull House Lane, Appley Bridge, Wigan, WN6 9DB

If we feel we have a legal right not to deal with your request, or to action, it in a different way to how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own obligations.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at or by writing to
Information Commisioner’s Office,
Wycliffe House,
Water Lane,
SK9 5AF.

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