Privacy Notice

Howard Financial Services Limited, trading as IWantAMortgage.ie™, is the data controller for the personal information you provide to us. We are regulated by the Central Bank of Ireland (C430229).

Registered office: 2 Mountain Common, Ardfield, Co. Cork. Contact: francis@iwantamortgage.ie · 086 865 2592.

To provide mortgage advice and arrange a mortgage or protection product for you, we collect the information you give us — including your name, contact details, income, employment, financial commitments, and supporting documents (for example payslips and bank statements).

We process this data to assess your eligibility, recommend suitable products, submit applications to lenders on your behalf, and meet our legal and regulatory obligations as a Central Bank–regulated firm.

Where you use the calculators or assessment tools on our website, the information you enter is processed to generate your estimate and, where you choose to proceed, to support your mortgage application.

We use a small number of trusted service providers to operate our technology. These include Supabase (database hosting) and Vercel (website hosting), and Anthropic PBC, a US-based provider of artificial intelligence services which we use to assist with reading and extracting information from documents you provide (such as payslips and bank statements) and to support our assessment tools. Documents are processed for these purposes only and are not used by Anthropic to train AI models. Where personal data is transferred outside the European Economic Area, it is protected by appropriate safeguards, including the European Commission's Standard Contractual Clauses and, where applicable, the EU-US Data Privacy Framework.

We do not keep your personal data for longer than necessary. How long we hold it depends on the type of data:

• Mortgage and application records. Where you become a client and we provide mortgage or protection advice, we retain your client and application records, including copies of documents you provide to us, for a minimum of six years after the end of our business relationship, in line with anti-money-laundering (AML) and Central Bank of Ireland record-keeping requirements.
• Email-course and marketing data. If you sign up to our free mortgage-readiness email course or other email marketing, we keep your subscription data for as long as you remain subscribed (active) and for 12 months after you unsubscribe, after which it is deleted or anonymised.
• Enquiries that do not proceed. Where you contact us but do not become a client, we keep your enquiry data only for as long as needed to deal with your enquiry and any reasonable follow-up, and then delete it.

Note: the six-year mortgage-record retention period reflects the standard AML and Central Bank record-keeping position. The exact retention period applied to a specific record may vary where a longer period is required by law or by a lender, or where a record is needed to establish, exercise, or defend a legal claim.

Under the General Data Protection Regulation (GDPR) and Irish data-protection law, you have the right to:

• access the personal data we hold about you;
• have inaccurate data corrected;
• object to, or ask us to restrict, certain processing;
• request data portability; and
• request erasure of your data (the "right to be forgotten").

Right to erasure and our retention obligations

You can ask us to erase your personal data at any time. However, the right to erasure is not absolute. Where we are legally required to keep certain records — for example, the AML and Central Bank record-keeping obligations described in the Data Retention section above — we may be unable to delete that data until the required retention period has passed. In that situation we will restrict our use of the data to what the law requires, stop using it for any other purpose (such as marketing), and delete it once we are no longer required to hold it.

You can withdraw consent to email marketing at any time using the unsubscribe link in any of our emails, or by emailing us — this is separate from, and not blocked by, the retention obligations above.

If you have a concern about how we handle your personal data, please contact us first at francis@iwantamortgage.ie. You also have the right to lodge a complaint with the Data Protection Commission (www.dataprotection.ie).

For complaints about our mortgage or financial service generally, see our complaints procedure.