Privacy notice

Yash Financial Services and Yash & Co Accountants · Shared privacy notice · Last updated 6 October 2026 · https://yashfinancial.co.uk/privacy

This notice explains how Yash Financial Services and Yash & Co Accountants collect and use personal information about clients, people who make an enquiry, and visitors to our website. It is published at https://yashfinancial.co.uk/privacy. We handle personal information in line with UK data protection law, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Two separate services, one notice. Yash Financial Services provides financial services (such as mortgages, protection insurance, credit broking and debt counselling) and is authorised and regulated by the Financial Conduct Authority. Yash & Co Accountants provides accountancy and tax services; it is not regulated by the FCA and is not covered by the Financial Ombudsman Service. The two services share an office, website, telephone number and email address, but they are separate services. Where this notice says "we", it means whichever of the two is handling your information for the service you use.

1. Who we are and who is responsible for your information

The organisation that decides how and why your personal information is used is called the "controller". Each service is the controller for its own work.

• If you are a client of one service, that service is the controller for the information it uses to act for you.
• If you are a client of both services, each service is the controller for its own work. We do not use information collected for one service for the other unless you have asked us to, or you know and expect that we will (for example, when you ask both to work on the same matter).
• Website, enquiries and the shared inbox: because we share a website, telephone line and email address, staff of either service may see a first enquiry. We pass it to the service you need and use it only to respond. You can check the activities Yash Financial Services is permitted to carry on by searching for FRN 184308 on the Financial Services Register at https://register.fca.org.uk.

For any question about this notice or your information, contact us at info@yashfinancial.co.uk, on 020 8470 7910 (from abroad +44 20 8470 7910), or by post to 44 Nigel Road, Forest Gate, London E7 8AN. Please mark it "Data protection".

2. The information we collect

Both services

• Identity and contact details: name, title, address, email, telephone numbers, date of birth.
• Enquiry details: what you tell us when you call, email, visit or use a form on our website, and our notes of conversations.
• Identity and anti-money laundering checks: copies of passport, driving licence or other identity documents, proof of address, and the results of any electronic identity check, where the law requires us to carry them out.
• Correspondence and service records: emails, letters, signed agreements and engagement letters, fees and payment records.

Yash Financial Services only

• Financial information for advice and applications: income, employment, spending, assets, existing loans, mortgages and policies, credit history, details of the property, and your plans and needs.
• Household information: details of joint applicants, partners, dependants or beneficiaries where they are relevant to your advice or application. If you give us information about another person, please make sure they know you are doing so and point them to this notice.
• Health and lifestyle information: for protection insurance, insurers usually need information about your health and lifestyle (such as smoking). This is "special category" information and we handle it with extra care (see section 3).
• Information from others: credit reference agencies, lenders, insurers and product providers, and anyone you ask to share information with us.

Yash & Co Accountants only

• Tax and accounts records: bank statements, sales and purchase records, P60s, P11Ds, payslips, property and other income records, and the books and records of your business.
• Tax and business identifiers: National Insurance number, Unique Taxpayer Reference (UTR), VAT, PAYE and CIS references, and company details such as directors and shareholders.
• Payroll information: where we run payroll for you, details of your employees (name, address, NI number, pay, tax code and pension details). In that case you remain responsible for telling your employees how their information is used.
• Information from others: HMRC, Companies House and anyone you authorise to give us information.

Our website

• Forms: the details you enter in an enquiry or contact form are sent to us so we can reply.
• Technical and usage data: our website is hosted by a third-party hosting provider, which processes technical information such as your IP address, browser type and the pages you request, to deliver the site and keep it secure. The site also uses Vercel Web Analytics to count page visits in aggregate. It does not use cookies or identify you personally, and records aggregated data such as pages viewed, referrer, browser and country.
• Cookies: the site aims to use only cookies that are strictly necessary to run the pages. If we add any analytics or other non-essential cookies, we will ask for your consent first and update this notice and our cookie information on the website. If you have a question about cookies, please contact us.

3. Why we use your information and our lawful basis

Health information (protection insurance). We use health and lifestyle information only to arrange protection insurance you have asked for. We rely on the conditions in the Data Protection Act 2018 that allow insurance intermediaries to process this information for insurance purposes, or on your explicit consent where that is needed. If you do not give us the information an insurer asks for, we may not be able to arrange cover.

If you do not give us information. Where we need information to meet a legal duty or to carry out our work (for example, identity evidence or records for your tax return), we may not be able to act for you without it.

Decisions about you. We do not make decisions about you based only on automated processing. Lenders and insurers we introduce you to may use credit scoring or automated underwriting; they will explain this in their own privacy notices.

4. Who we share your information with

We share your information only where we need to for the service, where the law requires it, or where you have asked us to. We do not sell your personal information.

• Lenders, insurers and other product providers (Yash Financial Services): when we submit an application or arrange cover for you, with your knowledge, and so they can make their own decision.
• Credit reference and identity check agencies: to check your identity and, for financial services, your credit history where needed for an application.
• HMRC and Companies House (Yash & Co Accountants): to file returns, accounts and other documents for you, and to deal with them on your behalf as you have authorised.
• Regulators and authorities: the Financial Conduct Authority and the Financial Ombudsman Service (for Yash Financial Services), the National Crime Agency, the police, courts and other bodies where the law requires us to.
• Service providers who support our business: IT support, email hosting, website hosting, secure file storage, and accounting or payroll software. They act on our instructions and must keep your information secure.
• Professional advisers: our lawyers, insurers and auditors, where needed to take advice, defend legal claims or arrange our own insurance.
• People you authorise: such as a solicitor, estate agent, family member or other adviser, when you ask us to deal with them.
• Between our two services: only where you have asked both to act for you, or where it is clearly expected (for example, passing your enquiry to the right service).

5. How long we keep your information

We keep your information for as long as we need it for the purpose we collected it, and then for any period required by law or regulation, or needed to deal with questions, complaints or legal claims. When we no longer need it, we delete or securely destroy it. For example:

• Enquiries that do not lead to work: kept only as long as needed to respond and follow up, unless you ask us to keep them.
• Identity and anti-money laundering records: kept for five years after our business relationship with you ends, as the Money Laundering Regulations require, unless the law requires or permits longer.
• Financial services files (Yash Financial Services): kept for at least the periods required by FCA record-keeping rules, which vary by type of business. Records relating to some products may need to be kept for longer.
• Accounts, tax and payroll records (Yash & Co Accountants): kept for at least the periods that tax and company law require for the records we prepare and file, and long enough to deal with HMRC enquiries.
• Client files generally: we normally keep client files for around six years after our work for you ends, because that is the usual period in which legal claims can be brought, unless a longer period applies above.

6. Where your information is stored and international transfers

We aim to keep your information in the UK. Some of our service providers, such as website hosting, cloud software or email services, may store or access information outside the UK. Where this happens, we make sure it is protected by UK data protection law: either the country has been found by the UK to provide adequate protection, or we rely on appropriate safeguards such as the International Data Transfer Agreement or Addendum approved by the Information Commissioner. You can contact us for more information about these safeguards.

7. How we keep your information secure

We use appropriate technical and organisational measures to protect your information, including access controls, password-protected systems and secure storage of paper files. Only people who need your information to do their work can see it. Please take care when sending documents by email; contact us if you would prefer another way to send them.

8. Your rights

• Access: to ask for a copy of the information we hold about you.
• Rectification: to ask us to correct information that is wrong or incomplete.
• Erasure: to ask us to delete your information where we no longer have a reason to keep it.
• Restriction: to ask us to limit how we use your information, for example while we check its accuracy.
• Portability: to ask us to give information you provided to us in a structured, commonly used format, or to send it to another organisation, where we use it on the basis of your consent or a contract.
• Objection: to object to our use of your information where we rely on legitimate interests, and to object at any time to direct marketing.
• Withdraw consent: where we rely on your consent, to withdraw it at any time. This does not affect what we did before you withdrew it.

Some rights have limits. For example, we cannot delete records that the law or our regulator requires us to keep. To use any of these rights, contact us using the details in section 1. There is normally no fee. We may need to check your identity, and we will usually reply within one month.

9. Contacting us and complaints

About how we use your information. Please contact us first (Yash Financial Services or Yash & Co Accountants, as relevant) at info@yashfinancial.co.uk, on 020 8470 7910, or by post to 44 Nigel Road, Forest Gate, London E7 8AN, so we can try to put things right. You also have the right to complain to the Information Commissioner's Office (ICO), the UK data protection regulator:

• Website: https://ico.org.uk
• Telephone: 0303 123 1113

About our financial services (Yash Financial Services). Complaints about the financial services we provided, rather than about data protection, are handled under our complaints procedure. If you are not happy with our final response, or we have not sent you one within eight weeks, you may be able to refer your complaint to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or on 0800 023 4567. See our financial services terms at https://yashfinancial.co.uk/terms.

About our accountancy services (Yash & Co Accountants). Accountancy work is not covered by the Financial Ombudsman Service. Please contact us first; see our accountancy terms at https://yashfinancial.co.uk/accountants/terms.

10. Changes to this notice and related documents

We may update this notice from time to time, for example if we change how we use information or the tools on our website. The current version, with its date, is always at https://yashfinancial.co.uk/privacy. Our terms of service are separate: financial services terms (Yash Financial Services) at https://yashfinancial.co.uk/terms and accountancy terms (Yash & Co Accountants) at https://yashfinancial.co.uk/accountants/terms.