Privacy & Cookie Policy

Kerr & Watson Limited respects your privacy and is committed to protecting the personal information you provide when using our website.

This Privacy & Cookie Policy explains how we collect, use and protect personal information when you visit kerrandwatson.co.uk, contact us through the website or interact with our online services.

If you become a customer of Kerr & Watson and receive mortgage, protection or other financial advice from us, the processing of information relating to that service is also covered by our separate Customer Privacy Notice.

Who We Are

Kerr & Watson Limited is the data controller responsible for personal information collected through this website.

Kerr & Watson Limited
Pembroke House
8 St Christophers Place
Farnborough
Hampshire
GU14 0NH

Registered in England and Wales: 12464466

Kerr & Watson Limited is authorised and regulated by the Financial Conduct Authority under reference 977884.

Kerr & Watson is registered with the Information Commissioner’s Office under registration number ZA748786.

You can contact us at:

Telephone: 01252 224620
Email: info@kerrandwatson.co.uk

What Information Do We Collect Through Our Website?

The information we collect depends on how you use the website.

Information You Provide to Us

If you complete an enquiry form, contact us by email, request an appointment or otherwise communicate with us through the website, we may collect information including:

your name;
telephone number;
email address;
information contained in your enquiry or message;
the type of mortgage, protection or other service you are interested in;
appointment or contact preferences; and
any other information you choose to provide.

Please avoid including unnecessary sensitive personal information in a general website enquiry.

If you subsequently instruct Kerr & Watson to provide mortgage, protection or other financial advice, additional information will normally be required. Our separate Customer Privacy Notice explains how that information is processed.

Technical and Usage Information

When you use our website, certain technical information may be collected automatically.

This can include:

your IP address;
browser type and version;
device type;
operating system;
pages viewed;
date and time of visits;
referring website or source;
interactions with the website; and
information collected through cookies and similar technologies.

We use this information where appropriate to operate, secure, understand and improve our website.

How We Use Your Information

We may use personal information collected through the website to:

respond to enquiries;
arrange appointments or telephone calls;
provide information about our services;
take steps at your request before providing mortgage or protection advice;
operate and maintain the website;
monitor website performance;
understand how visitors use the website;
improve the content and usability of the website;
protect the website against fraud, spam, misuse and security threats;
maintain appropriate records of enquiries and communications;
comply with legal and regulatory requirements; and
send marketing communications where we are permitted to do so.

We will not sell your personal information to third parties for their own marketing purposes.

Our Lawful Bases for Processing

UK data protection law requires us to have a lawful basis for using personal information.

Depending on how you interact with the website, we may rely on:

Contract or Steps Before Entering Into a Contract

Where you contact us because you are considering using our services, we may process information where this is necessary to take steps at your request before entering into an agreement with you.

Legitimate Interests

We may process information where it is necessary for our legitimate business interests and those interests are not overridden by your rights.

This can include:

responding to enquiries;
operating and improving our website;
maintaining website and information security;
preventing fraud and spam;
maintaining appropriate business records; and
understanding how our website is used.

We may rely on your consent where required, including for certain cookies, tracking technologies and marketing communications.

Where processing is based on consent, you can withdraw that consent at any time.

Legal Obligation

We may process information where necessary to comply with legal or regulatory obligations.

The ICO requires privacy information to explain the purposes of processing, lawful bases, recipients, retention and individual rights.

Website Enquiries

Information submitted through our website enquiry forms is used to respond to your request and determine how we may be able to assist you.

If your enquiry progresses and you become a customer, the information may be entered into our customer-management systems and processed as part of our mortgage, protection or other advisory service.

At that stage, our Customer Privacy Notice will also apply.

Submitting an enquiry through the website does not itself create a contractual obligation to use Kerr & Watson.

Marketing Communications

We may send information about our services where:

you have asked us to do so;
you have provided the necessary consent; or
we are otherwise permitted to contact you under applicable electronic marketing rules.

You can unsubscribe from marketing communications at any time by:

using the unsubscribe option contained within the communication; or
contacting info@kerrandwatson.co.uk.

Stopping marketing communications will not prevent us from contacting you about an enquiry, appointment or service you have requested.

We may use third-party organisations to help operate our website and business.

Depending on how you use the site, this may include providers of:

website hosting;
website maintenance;
analytics;
email and communications;
customer relationship management systems;
online forms;
appointment-booking systems;
security and fraud prevention;
website performance and content delivery; and
professional, compliance or technology services.

These organisations may process personal information on our behalf where necessary to provide their services.

We may also disclose information where required by law, regulation, court order or a competent regulatory or law-enforcement authority.

If you subsequently become a customer, information may also be shared with mortgage lenders, insurers and other parties involved in providing the service. This is covered in more detail by our Customer Privacy Notice.

International Transfers

Some technology and service providers may process information outside the United Kingdom.

Where personal information is transferred internationally, we will take appropriate steps to ensure the transfer complies with UK data protection law.

Depending on the circumstances, this may include reliance on:

UK adequacy regulations;
the UK International Data Transfer Agreement;
an approved UK Addendum to standard contractual clauses; or
another permitted safeguard or transfer mechanism.

How Long Do We Keep Website Information?

We will only retain personal information for as long as reasonably necessary for the purpose for which it was collected.

Website enquiry information will normally be retained for as long as necessary to respond to the enquiry and undertake reasonable follow-up.

If your enquiry develops into a customer relationship, relevant information may be retained for longer in accordance with our legal and regulatory obligations and the retention arrangements described in our Customer Privacy Notice.

Technical logs, analytics information and cookie-related records may be retained for different periods depending on the service involved and the reason for processing them.

Security

We take reasonable technical and organisational measures to protect personal information against:

unauthorised access;
accidental loss;
disclosure;
alteration;
destruction; and
misuse.

However, no website or internet transmission can be guaranteed to be completely secure.

Cookies

What Are Cookies?

Cookies are small files or pieces of information stored on your computer, mobile phone or other device when you visit a website.

Similar technologies may also be used to store or access information on your device.

Cookies can help websites operate correctly, remember preferences, understand how visitors use the site and measure website performance.

How We Use Cookies

Our website may use the following categories of cookies and similar technologies.

Strictly Necessary Cookies

These cookies are required for the website to operate correctly or to provide a service you have requested.

They may be used for purposes such as:

website security;
fraud prevention;
remembering privacy or cookie choices;
maintaining website functionality; and
managing forms or sessions.

These cookies do not normally require consent.

Analytics and Statistical Cookies

We may use analytics technologies to understand how people use our website.

This can include information about:

pages visited;
length of visits;
how visitors arrive at the website;
interactions with pages; and
technical website performance.

This information helps us understand and improve the website.

Depending on how a statistical technology is configured and the applicable legal requirements, we will either obtain consent before using it or rely on an applicable statutory exception.

Where a statistical-cookie exception is relied upon, we will provide clear information and an easy way for you to object.

The Data (Use and Access) Act 2025 introduced additional exceptions for certain statistical and functionality technologies, subject to specific conditions.

Functional Cookies

Functional cookies can be used to remember choices you make and provide enhanced website functionality.

Where consent or another form of choice is required, these technologies will only be used in accordance with your preferences.

Marketing and Advertising Cookies

Marketing technologies may be used to understand the effectiveness of advertising or, where applicable, to provide advertising based on website activity.

Where consent is legally required, these technologies will not be activated until you have provided that consent.

Third-Party Cookies and Services

Some features on our website may be provided by third parties.

These may include services such as:

website analytics;
maps;
videos;
social-media features;
review platforms; or
other embedded content.

These providers may use their own cookies or similar technologies.

Where these technologies are not strictly necessary and require consent, they should only be activated after you have made the appropriate choice through our cookie controls.

Third-party providers are responsible for their own privacy practices.

When you first visit our website, you will be given information about the cookies and similar technologies we use and, where required, the opportunity to:

Accept optional cookies
Reject optional cookies

You can also control cookies through your web browser.

Please be aware that disabling some cookies may affect certain website functions.

Current ICO guidance requires clear information about cookies and appropriate user control. Where consent is required, simply continuing to use a website is not sufficient consent.

The specific cookies and similar technologies used by our website may change when website services or technology providers are updated.

The most current details of individual cookies, their purposes and their duration should be available through the Cookie Settings or cookie-management tool displayed on the website.

Your Data Protection Rights

Depending on the circumstances, UK data protection law may give you the right to:

request access to personal information we hold about you;
ask us to correct inaccurate information;
request deletion of your information in certain circumstances;
ask us to restrict how your information is used;
object to certain processing;
request transfer of information in certain circumstances; and
withdraw consent where processing is based on consent.

These rights are not absolute and may depend on the reason we are processing the information.

Your Right to Object

You have the right to object to the use of your personal information for direct marketing.

You may also have the right to object where we process information on the basis of legitimate interests.

How to Exercise Your Rights

To exercise your data protection rights or ask a question about how we use your information, contact:

Kerr & Watson Limited
Pembroke House
8 St Christophers Place
Farnborough
Hampshire
GU14 0NH

Email: info@kerrandwatson.co.uk
Telephone: 01252 224620

We may need to confirm your identity before responding to certain requests.

Complaints

If you have concerns about how Kerr & Watson has handled your personal information, please contact us first so that we can investigate.

You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s data protection regulator.

Further information is available at the ICO website: www.ico.org.uk

Links to Other Websites

Our website may contain links to third-party websites.

Kerr & Watson is not responsible for the privacy practices or content of external websites. You should review the privacy information provided by the relevant third party before providing personal information to them.

Changes to This Policy

We may update this Privacy & Cookie Policy from time to time to reflect:

changes to our website;
changes to the technologies or providers we use;
changes in our business practices; or
changes to data protection or electronic-communications law.

The latest version will be published on this website together with the date it was last updated.

Last updated: 5 October 2026