Privacy Policy

1. Who We Are

Empower Yield (UK) Ltd (Company No. 10837476), trading as Nan Li Mortgages / 楠姐英伦贷, is a mortgage broker authorised and regulated by the Financial Conduct Authority. Our registered address is in England, United Kingdom.

2. Information We Collect

We may collect the following personal information:

• Name, contact details (email, WeChat ID, phone number)
• Financial information relevant to mortgage applications (income, employment status, visa status)
• Property details and purchase intentions
• Website usage data via analytics tools

3. How We Use Your Information

We use your personal information to:

• Provide mortgage advice and brokerage services
• Respond to your enquiries and consultation requests
• Process mortgage applications on your behalf
• Comply with legal and regulatory obligations
• Improve our services and website

4. Legal Basis for Processing

We process your personal data on the basis of: (a) your consent; (b) the performance of a contract; (c) compliance with legal obligations; and (d) our legitimate interests in providing financial services.

5. Data Sharing

We may share your information with mortgage lenders, insurers, and other third parties as necessary to provide our services. We do not sell your personal data to third parties. All data sharing is conducted in accordance with applicable data protection laws.

6. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Mortgage-related records are typically retained for a minimum of 6 years in accordance with FCA requirements.

7. Your Rights

Under UK GDPR, you have the right to:

• Access your personal data
• Rectify inaccurate data
• Request erasure of your data
• Object to processing
• Data portability

To exercise these rights, please contact us at [email protected].

8. Contact Us

If you have any questions about this privacy policy or how we handle your personal data, please contact us at [email protected].

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.