Privacy & Other Policies

                   Cookies Policy

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Version 2.0 – Effective 20 October 2025
Next review due: October 2026
Responsible person: Maddie Schumann

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1. Introduction

Welcome to MHMLA. This Cookies Policy explains how and why cookies are used on our website.

By continuing to use www.mhmla.biz, you agree to our use of cookies as described below.

MHMLA is a mediation and conflict resolution service operating under English law. We only use cookies necessary for website functionality, analytics, and secure communication via our enquiry forms.​

2. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help improve website performance, remember preferences, and support essential features such as security and form submissions.

​3. How We Use Cookies

MHMLA uses cookies for the following lawful purposes:

• Essential cookies: To enable basic website functions such as navigation, accessibility, and security.

• Analytics cookies: To collect anonymous statistical data via Google Analytics, helping us understand how visitors use our site and improve performance.

• Preference cookies: To remember your cookie consent choices and language or accessibility settings.

• Security monitoring: To help prevent fraudulent activity or unauthorised access to our online enquiry forms.

We do not use cookies to identify individuals or collect personal data.

​4. Managing Cookies

You can control or disable cookies at any time through your browser settings. However, please note:

• Some features, such as contact forms or login sessions, may not function correctly if cookies are disabled.

• If you delete your cookies or use a different browser/device, you may need to reset your cookie preferences.

For guidance on managing cookies, visit: https://ico.org.uk/your-data-matters/online/cookies/

​5. Legal Basis

Our use of cookies complies with:

• The UK General Data Protection Regulation (UK GDPR)

• The Privacy and Electronic Communications Regulations (PECR) 2003 (as amended)
  Both are regulated by the Information Commissioner’s Office (ICO).

For more information, visit www.ico.gov.uk.

​6. Updates

This Cookies Policy may be updated from time to time to reflect legal or technical changes. The next review is scheduled for October 2026.

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Anti-Money Laundering Policy

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Version 2.0 – Effective 20 October 2025
Next review: October 2026
Responsible person: Maddie Schumann

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1. Purpose and Legal Duty

MHMLA is committed to preventing money laundering, terrorist financing, and the misuse of its services.
As required by the Money Laundering Regulations 2017 (as amended) and the Sanctions and Anti-Money Laundering Act 2018, MHMLA must:

• Identify and verify the identity of clients before a business relationship is established.

• Assess risk associated with each client and transaction.

• Understand the purpose and intended nature of the business relationship.

• Identify the source of funds where appropriate.

• Maintain records and report suspicious activity to the relevant authorities when necessary.

2. Client Due Diligence (CDD)

Before accepting an instruction, MHMLA will carry out proportionate due diligence, which may include:

• Verification of identity:

  • Individual clients: passport, photo driving licence, or national ID card.

  • Corporate clients: certificate of incorporation, director identity, and beneficial ownership details.

• Verification of address:

  • Recent utility bill, bank statement, or official correspondence (dated within 3 months).

Enhanced due diligence will be applied if:

• The client or transaction presents higher risk (e.g. politically exposed persons, complex structures, or foreign jurisdictions).

• The client is non-UK based, in which case identification documents must be certified by a lawyer, notary, or regulated professional.

3. Ongoing Monitoring

MHMLA conducts ongoing monitoring to ensure all transactions are consistent with its knowledge of the client, business, and risk profile.
We may request updated documents or information during the engagement to remain compliant.

4. Refusal or Termination

If satisfactory identification or information is not provided, or if there is any concern about the legitimacy of funds or purpose, MHMLA reserves the right to decline or terminate the business relationship.
Where legally required, a Suspicious Activity Report (SAR) will be submitted to the UK National Crime Agency (NCA).

5. Data Protection and Confidentiality

All personal data obtained for AML purposes will be processed in accordance with the UK GDPR and Data Protection Act 2018.
Information will only be used for compliance and will be securely retained for at least five years after the end of the client relationship, as required by law.

6. Training and Responsibility

MHMLA ensures all staff and associates receive AML awareness training proportionate to their role.
The Responsible Person for AML compliance is Maddie Schumann, who oversees policy implementation, risk management, and reporting obligations.

7. Contact

Questions regarding this policy or AML requirements should be directed to:
Email: info@mhmla.co.uk
Attention: Maddie Schumann

Last updated: 20 October 2025
Next review: October 2026

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MHMLA Privacy Policy, Terms & Conditions

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Version 2.0 – Effective 20 October 2025
Next review due: October 2026
Responsible person: Maddie Schumann

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1. Introduction

Welcome to MHMLA. By accessing or using this website, or by instructing us via phone, email, message, or any other communication, you agree to the following terms and our Privacy Policy.
MHMLA provides mediation and conflict resolution services under English law and operates with full confidentiality and data protection compliance.

2. Formation of Contract

A contract is formed when MHMLA accepts an instruction from you — this may be by phone call, email, or written message.
From that point, you enter into a legally binding agreement for the provision of mediation or related professional services.

Each matter is costed on its own merit, and fees are non-refundable once an order, consultation, or mediation instruction has been accepted.

This clause is lawful under English contract principles as long as:

• Services and fees are clearly described before acceptance; and

• You have the opportunity to ask questions or decline before confirming.

By proceeding, you acknowledge and agree to these conditions.

3. Payment and Fees

• Fees must be paid in accordance with the agreed schedule or invoice.

• Once payment is made or an instruction is confirmed, no refunds will be issued, whether or not the service is used in full.

• MHMLA reserves the right to suspend or withhold services if payments are not received within the specified period.

• 4. Limitation of Liability

• MHMLA accepts no responsibility for any loss, damage, or delay arising from:

• Use or inability to use the website;

• Reliance on content or advice outside a signed or confirmed agreement;

• Technical issues, email delivery errors, or third-party systems.

• Nothing in these terms limits liability for fraud or fraudulent misrepresentation.

• 5. Intellectual Property

• All content, materials, marks, and logos on this website or related social media belong to MHMLA and are protected by copyright and trademark law.
  You may download or print materials for personal reference only; commercial reproduction is prohibited without written consent.

• 6. Data Collection and Processing

• MHMLA collects only data necessary for legitimate business purposes:

• Personal data such as name, contact details, and relevant case information.

• Technical data such as IP address and browser type (via cookies).

• Lawful bases for processing include:

• Consent (e.g. contact form submissions).

• Contractual necessity (to perform our services).

• Legal obligation (record-keeping, compliance).

• Legitimate interest (security, fraud prevention, business management).

• We do not sell or share personal data for marketing purposes.

• 7. Data Security & Cyber Protection

• MHMLA applies appropriate cybersecurity and data protection measures, including:

• Encrypted email and secure data storage.

• Multi-factor authentication and password protection.

• Firewalls, anti-malware systems, and regular software updates.

• Confidentiality agreements with all mediators and contractors.

• Immediate reporting and investigation of any data breaches in line with ICO guidance

• 8. Data Retention

• Enquiries: kept up to 12 months after last contact.

• Client records: retained up to 6 years for professional and legal purposes.

• Data is securely deleted or anonymised once no longer required.

• 9. Your Rights

• Under UK GDPR, you have the right to:

• Access, correct, erase, or restrict your personal data.

• Object to processing or withdraw consent.

• Request data portability.
  To exercise these rights, email info@mhmla.co.uk with the subject line “Subject Access Request”.
  Complaints can be made to the Information Commissioner’s Office (ICO):
  www.ico.org.uk | Helpline: 0303 123 1113.

• 10. Governing Law

• These terms are governed by English law.
  You agree to submit to the non-exclusive jurisdiction of the courts of England and Wales.

• 11. Updates

• This combined Privacy Policy and Terms & Conditions will be reviewed annually or following any legal or regulatory change.
  Next scheduled review: October 2026.