Remortgage Specialist: Legal & Privacy Statement
Copyright
Copyright in the whole and every part of this website belongs to The Remortgage Specialist, unless otherwise indicated, and may not be used, sold, copied, licensed, or reproduced in whole or in part in any manner or form or in any media by any person without the prior written consent of The Commercial Lender.
Accuracy and Validity of Information
We take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is however supplied on an "as is" basis and therefore we do not accept any liability for any errors or omissions.
If you are in any doubt as to the validity of information made available within these pages, we ask you to contact us for verification.
Availability
Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum.
In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
Personal Information
Our usage of your personal information is governed by our Privacy & Security Policy, which forms part of these terms. Please read the Privacy & Security Policy carefully - it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it together with your rights of access.
Disclaimer
The Remortgage Specialist will not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation to the foregoing any losses in relation to your use of, reliance upon or inability to use the website.
Variations
We reserve the right to update these terms from time to time without notice to you. We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms.
By accessing or using the The Remortgage Specialist website, you agree to the terms of our Privacy Policy, as outlined below. By using the Website, and any other services provided by us, we may obtain certain information supplied by you. Our Privacy Policy gives details of the principles that govern our processing and use of that information.
If you do not agree to these terms, please do not access or use this site. The Remortgage Specialist reserves the right to change the Privacy Policy at any time without prior notice at its sole discretion. Your use of this site will be subject to the most current version of the Privacy Policy at the time of such use.
The Remortgage Specialist (a trading style of Crystal Clear Home Loans) are a company based at:
Unit 3, Furze Ct, Wickham Rd, Fareham, PO16 7SH
This statement describes our policy and practices with regard to processing of Personal Information on Our Website[s],
- Our principal activities are:
- Advising on regulated mortgage contracts
- Arranging regulated mortgage contracts
- Making arrangements with a view to regulated mortgage contracts
- Advising on non investment insurance contracts
- Arranging deals in non investment insurance contracts
Security
We are concerned about the security of your personal information when using our Internet Website. As the Internet is not a secure medium of communication, we cannot guarantee the security of any information you input on our Internet Website or send to us on the Internet.
We are not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.
You can access the site and browse the site without disclosing Personal Information.
UK Data Protection Act 1998
(The use of your personal Information)
It is our policy to take all necessary steps to ensure that Personal Information held by us is processed fairly and lawfully. We will take all necessary steps to implement this policy. All Our employees and data processors that have access to Personal Information are obliged to respect the confidentiality of Your Personal Information.
"Personal Information" means information that relates to a living individual who can be identified from that information or from that information and other information that is held by or is likely to be held by us.
It is our policy to ensure that all relevant statutory requirements are complied with, including the eight Data Protection Principles contained in the Data Protection Act 1998 ("the Act"), listed below and to monitor our internal procedures periodically to ensure compliance.
- Fairly and lawfully processed;
- Processed for specified and lawful purposes and shall not be further processed in a manner incompatible with those purposes;
- Adequate, relevant and not excessive in relation to those purposes;
- Accurate: where necessary kept up to date;
- Not kept longer than necessary;
- Processed in accordance with the data subjects rights under the Act which includes the right to know what personal information is being held by Go4aMortgage, and the right to have personal data corrected or deleted;
- Secure: appropriate technical and organisational measures to be taken against unlawful and unauthorised processing and access to personal data and against loss, destruction and damage;
- Not transferred to other countries that do not have adequate protection for the rights and freedom of data subjects in relation to the processing of personal data.
We will limit the use and collection of your information to a minimum. We will only request information that is required to successfully process the products and services we offer, and we will not hold it any longer than is necessary for this purpose
If you apply for any of our Insurance products (Accident ,Sickness & Unemployment, Building Insurance or Life Assurance) we may have to ask you for additional sensitive data such as medical ailments and history etc.. This information will not be shared with anyone inside or outside of The Commercial Lender, except the broker dealing with you and the underwriter where necessary.
We will not provide information about you to companies outside The Commercial Lender. We disclose information about our customers only with their consent, or if we are required to do so by law. We need to give information to our field representatives who may visit you in your home, so they can help you complete relevant paperwork. In these circumstances we always take great care to ensure that your personal information is kept safe and secure.
Under the Data Protection Act you have the right to access any information we hold about you in all their forms.
Occasionally, the Financial Services Authority (FSA) compliance review bodies audit a sample of our customer records to assess our compliance with the regulations. Whenever this happens, strict confidentiality conditions are always imposed.
We may from time to time use Your Personal Information to send you information by telephone, email or post about our special offers and other information that you may find useful. If you do not wish to receive this information please tick the relevant box on your mortgage declaration, completed at application stage or on the Authority letter.
If any of the Personal Information that we hold about you is incorrect or needs updating, or if you want us to delete any Personal Information, please contact us at The Remortgage Specialist, Unit 3, Furze Ct, Wickham Rd, Fareham, PO16 7SH. We may request that you provide further information and identification to enable us to comply with this request.
Credit Referencing
We may undertake a search with Credit Reference Agencies for the purposes of verifying identity and the details submitted, in line with regulatory requirements. The Credit Reference Agencies may check the details supplied against any database (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. A record of the search will be retained, but will not affect future credit. By proceeding with this application you are agreeing to a search being undertaken in this way.
We use the following credit reference agencies for credit searches and identity checks:
Experian |
Equifax |
Consumer Help Service |
Credit File Advice Centre |
You have the right to apply directly to them for details of information, which they hold about you, subject to payment of a fee, currently £2. You should ensure that your letter includes:
Your full name: Title, Forename, 2nd Initial, Surname (and maiden name, if appropriate)
Details of all addresses you have lived at over the last 6 years - including town, county, postcode and date moved in
A cheque or postal order, payable to either Equifax or Experian, for £2.00
The date and your signature to authorise the Credit File request
Implications of a credit search
Whether or not your application to us is successful, each agency will add details of the search and your application to their records. This information will be shared with other lenders and grantors of credit and insurance who will use it when assessing any applications for banking, loan, hire facilities or insurance, which you or a member of your household may make in future. They will use it for fraud prevention, debt recovery and tracing debtors. The agencies may also use the information for statistical analysis and market research.
Money laundering and statutory obligations
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and address of our customers. We may need to do this whether you are applying to be a new customer or have been one for some time. We may ask you to provide physical forms of identity verification or alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity.
Telephone Calls
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
Security features about our site:
We use a secure encryption through a secure socket layer. This is the Internet standard for the secure transmission of data.
When you log in the browser window will become secure to protect your information. You know this window is secure because your browser will show a padlock or key at the bottom right hand side of your screen.
If you correspond with us via e-mail, you should be alerted that these messages are not always secure. You should therefore consider the information you are communicating before you send it.
The Remortgage Specialist will respect the confidentiality of your information and we will limit the content of any e-mail we create to reflect the security limitations that currently exist within the Internet. Should you therefore require us to respond, it is essential that you provide your full name and address to enable us to provide a written response.
When you visit our website, a certain amount of information is retained regarding the event to enable us to understand the profile of our visitors. The information retained includes the IP address and/or the domain name of the visitors. Cookies may be used to personalise your visit to this site.
Cookies
Cookies are pieces of data created when you visit a website. The cookies our site uses are 'session cookies', which store information while you move around the site. You can set your computer not to accept cookies if you so wish. This will not in any way affect your ability to access the information on the site.
The Remortgage Specialist
website uses session cookies and log files to facilitate the smooth running of the site. It does not use cookies to collect any personal information about you except that required for system administration of our web server. Session cookies are deleted when you close your browser.
