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Privacy Statement for the Mortgage Deals Direct Website

Please take a few minutes to read this document as it contains important information relating to the details that you will be asked to give us. You should also show this document to anyone else who is covered under your policy.

Any changes to this Privacy Statement will be posted on this page. Your privacy is important to us, and we promise to respect your personal information. For your protection, we are registered under the Data Protection Act 1998 and have given all appropriate notifications to the Information Commissioner. We will do our best to ensure that the details you provide us with are accurate and kept up to date.

What Information we Collect

We may collect personal information obtained from you in connection with a service or product provided to you by us and our subsidiaries, including your name, contact details, transaction and credit card information.

Use of Information Held on File

The information you provide will be used by us to provide the service that you applied for. Your information may be shared between us and product providers and lenders (see further below) as well as simply biz who provide compliance services to us, to understand your needs and provide you with a better service, and in particular to:

  • Inform you about improvements to the website, provide you with any information on the products you have requested and respond to any queries
  • Understand fully your relationship with us
  • Assist in any future applications to us
  • Improve our service to you
  • Perform analysis
  • Confirm, update and improve our customer records
  • Identify and market products and services that may be of interest to you
  • Identify fraudulent activity
  • Analyses and develop our relationship with you
  • Help in processing claims or assess any further applications for products you may request in the future.

If you apply for an insurance product or mortgage, your details will be passed to and used by relevant insurance providers or lenders for the purpose of:

  • Underwriting
  • Processing
  • Claim handling
  • Fraud prevention, which may include passing details on to other insurers.

Credit Checking

We will consult credit and fraud agencies regarding you and others financially linked with you including members of your household to help make decisions about you and them for:

  • Credit and credit related services, and to manage your accounts
  • For motor, household, credit, life and other insurance proposals validating claims
  • Fraud prevention, debtor tracing, debt recovery, and to check your identity to prevent money laundering.

Should you apply for a credit product, we may use a credit scoring system and may search your records, including fraud prevention databases at credit reference agencies to check your identity in order to prevent money laundering and help decide whether to grant you credit. We may make additional credit reference searches at any time whilst you are a customer.

We will monitor and record information relating to your credit performance and such records may be shared with credit reference agencies in order to assess future applications for credit by you [or other members of your household] or for fraud prevention. Should the application for credit be in joint names, a financial link will be created between you and the joint applicant.

Any searches will be recorded by the credit reference agencies and will be seen by other organisations making later searches. Any information you disclose that is false or inaccurate will also be recorded by the credit reference agency.

The performance of the account will be reported to the credit reference agency. Should you fail to make payments as stated in the credit agreement this will be reported to the credit reference agency within 28 days of the due date.

Credit scoring is an automated decision. If we reject your application solely on the basis of a credit scoring system, you have a right to request us to reconsider your application.

We will check information that you have provided to us with fraud prevention agencies and if you disclose false or inaccurate information and we suspect fraud, this will be reported to the fraud prevention agencies.

We will tell you which credit reference and fraud prevention agencies that we use so that you can get a copy of the information held against you at these agencies directly from them. A fee may be payable for this.

In the Future

Going forward, this site will be used to offer lending and credit products. In addition to the above uses of your data your data will also be used for the following:

  • To keep details of any application that you make to us
  • To keep information that you volunteer to us for insurance products
  • To use data to service the product that you have applied for
  • To identify further products that we feel may benefit you
  • To update records and transactions relating to the running of your
  • To evaluate lending and insurance risks
  • To prevent and detect fraud
  • To recover Debts
  • Statistical Analysis and research

Who we Share the Information with and your Choices

 

Information you provide to us may be shared amongst  Group, its subsidiaries and selected third parties with whom you may hold insurance policies or mortgages to enhance their understanding of your total relationship with them and to assist in processing any future applications you make and to improve their service to you.

As detailed above, if you apply for an insurance product or mortgages your details will be passed to insurance providers and mortgage lenders. Your information may also be used to perform credit checks and therefore may be passed to credit and fraud agencies.

We may pass information about you to independent debt recovery agencies or service providers, solicitors or other agents for the purpose of collecting monies due or outstanding on your account.

In certain circumstances we may be required to provide your information to other third parties. Such circumstances may occur when:

  • You give us your consent
  • It is required by your agents and others associated in the running of your account
  • We or others are required to investigate crime
  • Legal authorities require it or allow it

Marketing

From time to time, we may send you information regarding products that we perceive may be of interest to you. You may receive this information by letter, telephone or email.

If you think we have incorrect information or you would like a copy of the information we hold about you:

You may request details of personal information which we hold about you under the Data Protection Act 1998. Your request should be made in writing enclosing the fee, currently £10. If you would like a copy of the information we hold about you please write to:

Data Protection Officer

If you believe that any information we are holding on you is incorrect or incomplete, please write or email as soon as possible to the above address. We will correct any information which is found to be incorrect promptly.

USE OF THIS WEBSITE

These terms and conditions and the Privacy Statement above contain all the terms which we and you have agreed in relation to the use of this website. Any products purchased from this website will be covered by separate terms and conditions identified at the time.

Please note that we make this website available to you at our discretion and as such we may terminate your access at any time without notice.

This website has been designed exclusively for users to access from the United Kingdom (UK). We cannot therefore guarantee that this website or the information held within this website is appropriate for places other than in the UK. It is controlled and operated from the UK. The formation, existence, construction, performance, validity in all aspects whatsoever of these terms and conditions or of any term of these terms and conditions or any dispute in relation to the materials contained in this website shall be governed by English law. The English and Welsh courts shall have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions or use of this website.

Your continued use of this website indicates your acceptance of these terms and conditions

Disclaimer of Liability

We will not be responsible to you for any loss or damage you may suffer (however it may arise, including as a result of our negligence) as a result of your access to or use of this website or any materials on this website except where the loss or damage is:

  • death or personal injury due to our negligence
  • caused by our fraud
  • caused by any other matter for which it would be illegal for us to exclude our liability.

We accept no liability in connection with any virus, defect, error, omission, or system failure associated with the connection to this website or any links to third party sites.

The information given on this website is given in good faith and for general information and interest only. It is subject to change without notice. We are not responsible for any inaccuracies.
Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship.

Security and Legal Notice Copyright, Design & Patents Act 1988

The information and images, including but not limited to, the design, layout, look, appearance and graphics, contained on this website are our property or are licensed to us. Such information and images are protected by intellectual property laws including, but not limited to copyright and may not be reproduced, copied, displayed, nor saved or stored electronically or by any other means without our express written permission.

Third Party Website's

This website may contain links to other website's. We accept no responsibility or liability for the content of other website's, which are not under our strict control. We are not responsible for the protection and privacy of any information, which you provide whilst visiting other website's, and our Privacy Statement does not govern such sites. We cannot control the content or the security of any third party website's Linking to such website's is done so at the user's own risk and we make no representations as to the website's content. We cannot be held responsible for any loss or damage incurred by the user as a result of using third party website's Any link is not intended to be, nor should be construed as, an endorsement of any kind by us of that other website.

You may not create a link to this website from another website or document without our prior written consent.

Cookies

We may use Cookies for certain areas of our website's Cookies are files that store information on your hard drive or browser that make it easier for you to maintain your preferences on particular sites. This means that by seeing how you use the site, we can tailor the website around your preferences. You can, should you choose, disable the cookies from your browser, however this may prevent you from taking full advantage of this site. Any information obtained from the cookie will not be used by us for marketing purposes.

Internet Email

Emails sent via the internet are subject to interception, loss or possible alteration, therefore we cannot guarantee their security.  Group are not responsible for such emails and therefore will have no liability to you for any damages or other costs in relation to emails sent by you to us or by the us to you via the Internet.




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