TERMS & CONDITIONS

Jurisdiction for use

This site is intended for use only by those who can access it from within the UK.

Governing law

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Accuracy and Validity of Information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly 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 recommend you seek verification by contacting us.

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.

Website Privacy policy

At Number One Mortgages, we look after your details carefully. We adhere strictly to the requirements of the Data Protection Act 1998 and we’re registered on the public register of data controllers which is overseen by the Information Commissioner.

This policy describes how we collect, use and look after the information you provide us with when you use our online and mobile services and when we provide you with our products and services.

Please take a moment to read our Privacy Policy so you know what choices you have about the information we may ask you for. This policy may change from time to time so it’s a good idea to come back and read through it again when you get the opportunity

Data Collection & Use

We normally collect your:

• Contact Information such as name, email address, mailing address, phone number,
• Information on how you use our website, including details of your domain name and Internet Protocol (IP) address, operating system, browser version, cookie details, how long you stayed on a page, the route you took to navigate through the pages and the website that you visited prior to accessing our site;
• Information about your use of Personal Touch services;
• Other data, from time to time, for example now and again we might ask you to fill in a questionnaire, just so you can let us know how we’re doing.

Collecting this information helps us better understand what you need from us. We use it to offer you products and services that we think will suit you as your circumstances change, and to improve your browsing and service experience with us. The main uses of your data are:

• To provide your services;
• To provide you with service information and updates;
• To provide access to privileged areas of the website;
• To enable us to review, develop and improve our products, services and special offers;
• To carry out market research;
• To profile your usage and utilisation of our services;
• To send you details of appropriate products, services, special offers and rewards;

When you apply for or use products and services supplied by us, you also agree to our General Terms and Conditions. These set out the purposes for which we may use your personal information, and to whom it may be disclosed. Please refer to our General Terms and Conditions for full details. A copy can be requested by emailing info@numberonemortgages.co.uk

Sharing Data & Disclosure

We will not sell, rent or otherwise disclose your personal details to any third parties, except:

• When required to do so by law
• In response to a valid legal request by a law enforcement officer, government agency or other regulatory authority
• When you have explicitly or implicitly given your consent
• Cookies:
  Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.Number One Mortgages uses cookies to make a link between you and the information you have provided to our website and therefore provide you with personalised content so that we can give you a better experience when you return.Most web browsers automatically accept cookies, although you can choose not to. To ensure you get the best from our website, we advise that users keep cookies active on their machine whilst visiting our website. You can manually disable and enable cookies on your PC. The process will depend on your browser and is usually part of your ‘Security Settings’.For further information about managing and disabling cookies, you can refer to your browser’s help section or user guide. Alternatively, the Interactive Advertising Bureau has produced a series of web pages (see www.allaboutcookies.org) which explain to users how cookies work and can be managed.

• 3^rd party Links:

Please be aware that our site may provide access to other web sites by linking to them. We are not responsible for the data policies (including data protection and cookies), content or security of these linked web sites.

Information Retention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at info@numberonemortgages.co.uk We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Accessing Data

You’re welcome to ask us what information we have about you, any time you like. If you need us to send it to you, it will cost £10, which is the amount we are permitted to charge under the Information Commissioner’s guidelines regarding Subject Access Requests – and which only covers the cost of our administration.

If you’d like us to send your information, you can write to our team at the address below enclosing a cheque for £10 made payable to Number One Mortgages Ltd. We will also require that you confirm your identity by sending us a copy of a suitable identity document such as a passport or driving license, plus proof of address.

Data Protection Officer, Number One Mortgages Ltd, 378 Brighton Road, Shoreham-By-Sea, BN43 6RE.

If any of the details we hold about you are incorrect, please let us know and we’ll amend them right away or if your personally identifiable information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove or deactivate it by making the change by emailing info@numberonemortgages.co.uk

Complaints Procedure

What protection do I have?

Your adviser will always endeavour to ensure the products recommended are suitable for you.  When the adviser is advising you on regulated products (including insurance and some forms of mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).

If you are unhappy about the advice or service you have received you should firstly contact us. This gives us a chance to put things right and/or to explain the reasoning for the recommendation. Should you remain dissatisfied you may be entitled to refer your complaint to the FOS who will investigate the complaint independently and make a ruling. The FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm. Full details of how to contact the FOS together with information about how to complain are available from their website – www.financial-ombudsman.org.uk or by telephoning 0800 023 4 567.

If you try to submit a complaint to a firm and the firm is dissolved, or unable to meet its obligations, you may have recourse to the FSCS (Financial Services Compensation Scheme). This service is funded by levies on firms that are authorised by the Financial Conduct Authority to protect customers where firms have closed or gone into liquidation.

Anything else I should know?

Some financial advisers do give advice on products that are not regulated by FCA – such as general taxation and some Buy-to-Let mortgages. Your adviser will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you may not have the added protection of the FOS or FSCS when dealing with some unregulated products.

Marketing

We may contact you for example, with updates to your services.

We may also, subject to your consent, use your personal information to contact you with information about special offers and rewards. Please don’t worry; your details won’t be shared with companies outside Number One Mortgages for marketing purposes without your consent.

Once you have given us the consent referred to above, from time to time we may contact you by mail, telephone, email, other electronic messaging services (such as text, voice, sound or image messages including using automated calling systems) or fax with information about our products and services.

If you’re already receiving information from us then don’t worry, you don’t need to do anything. We’ll assume that you’re happy to continue receiving information unless we hear from you.

• In the unlikely event you no longer wish to receive such information from us, please let us know by emailing us at info@numberonemortgages.co.uk

Security

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. For example personal information sent to us is encrypted (scrambled) using Secure Socket Layer (SSL) technology. This is industry standard encryption technology that protects your data whilst being sent over the internet from being intercepted and misused by third parties. When it reaches us, we then store it on a secure server so that it can only be read by authorised personnel. However no method of transmission over the Internet or method of electronic storage is 100% secure, and while we take all reasonable precautions to protect your personal information, we cannot guarantee its absolute security.

We will not ask you for any account identification and/or authentication passwords or PIN numbers in an unsolicited phone call or unsolicited email, if you do receive unsolicited contact asking you for security information, please treat these with extreme caution. You are responsible for keeping your password and login details secure and you should not disclose them to anyone.

It is your responsibility to ensure that your computer is virus protected. Number One Mortgages accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.

Notification of Changes

We may update this policy from time to time as our information practices are modified or changed. If we make any material changes to this policy that affects your personal information, we will notify you by emailing the e-mail address specified in your account or by means of a notice on this Site prior to the change. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Details

If you have any comments or queries concerning the website or believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved, please contact us using the most convenient contact details below:

Email: info@numberonemortgages.co.uk
Telephone: 01273 736536
Post: 378 Brighton Road, Shoreham-By-Sea, East Sussex BN43 6RE