Who We Are
Loan.Wales is a trading style of Charles Frank Finance Limited, an FCA-authorised credit broker (FRN 624668), registered in England & Wales (company number 07791769). We are the data controller for the personal information we collect through this website. Our registered office is 89 Cardiff Road, Cardiff, CF15 7PL, United Kingdom.
Information We Collect
We may collect the following personal information:
• Contact details — name, email address, phone number
• Financial information — property value, mortgage balance, income, employment status, credit profile (only when you use our calculators or submit an enquiry)
• Technical data — IP address, browser type, device information, pages visited (collected automatically via cookies and analytics)
We only collect information that is necessary to provide our service and comply with our regulatory obligations.
How We Use Your Information
We use your personal data to:
• Provide loan, mortgage, and insurance quotes and advice
• Match you with suitable lenders and providers from our panel
• Communicate with you about your enquiry
• Comply with FCA regulatory requirements
• Improve our website and services
• Send marketing communications (only with your explicit consent)
Our lawful basis for processing is: (a) your consent, (b) performance of a contract, and (c) our legitimate interests in providing financial broking services.
Sharing Your Information
We may share your information with:
• Lenders and providers on our panel — to obtain quotes and process applications
• Credit reference agencies — lenders may conduct credit checks as part of the application process
• Regulatory bodies — including the FCA and the Information Commissioner's Office, where required
• Service providers — such as our website hosting, database, and analytics providers (Vercel, Supabase, Microsoft Clarity)
We will never sell your personal data to third parties for marketing purposes.
Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected. For loan and mortgage enquiries, we retain records in line with FCA record-keeping requirements. You can request deletion of your data at any time (subject to regulatory obligations).
Your Rights
Under UK GDPR, you have the right to:
• Access — request a copy of the personal data we hold about you
• Rectification — ask us to correct inaccurate data
• Erasure — request deletion of your data (subject to legal obligations)
• Restriction — ask us to limit how we use your data
• Portability — receive your data in a structured, machine-readable format
• Object — object to processing based on legitimate interests
• Withdraw consent — where processing is based on consent
To exercise any of these rights, contact our Data Protection Officer, John Lugsdin, at john.lugsdin@cffl.co.uk.
Cookies, Analytics and Session Recording
We use essential cookies to make our website function correctly, anonymised analytics (Vercel Analytics and Speed Insights), and Microsoft Clarity heatmaps and session recordings to understand how visitors use our site. Clarity automatically masks form inputs and personal data before recording. You can control cookie preferences through your browser settings.
Changes to This Policy
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
Contact Us
If you have questions about this privacy policy or how we handle your data, contact our Data Protection Officer:
• Email: John Lugsdin, john.lugsdin@cffl.co.uk
• Post: Charles Frank Finance Limited, 89 Cardiff Road, Cardiff, CF15 7PL, United Kingdom
• Telephone: 029 2167 0060
You also have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk if you believe your data has been mishandled.