Impartial Mortgage & Protection 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:

This privacy policy outlines how Impartial Mortgage & Protection Ltd uses and protects any information that you provide when you use this website. Impartial Mortgage & Protection Ltd is a controller of your personal data under and the General Data Protection. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, this information will only be used in accordance with this privacy statement.

Who We Are

Name: Impartial Mortgage & Protection Ltd

Address: Top Floor, 5 London Road, Southampton, United Kingdom, SO15 2AE

Contact Email Address: enquiries@impartialfs.co.uk

What information is being collected?

We are collecting information that is provided through the contact form on this website, as well as data collected from cookies on our website.

This data comprises of your name, email address, phone number and product interests.

How will we use the information about you?

We process personal information for certain legitimate business purposes, which include some or all of the following:

·         By providing this data, you have registered interest in us contacting you using the contact details provided to discuss the products and services listed on our website

•     To update and maintain our internal records.

·         To track website usage in order to make improvements to the website.

•     We may periodically send promotional emails containing information which we feel may be of interest to you using the email address which you have provided. All promotional emails will include an unsubscribe link should you wish to opt out of receiving email marketing. If you have any concerns regarding the opt out process, please contact the data controller using the contact details available at the bottom of this privacy policy.

It should be noted that you have no legal or contractual obligation to provide your personal data for the purposes listed above, and there are no consequences to you for this data not being provided outside of the purposes of the processing listed above not being fulfilled.

This data will not be used for any automated decision making or profiling purposes.

Data Retention

We will retain this data for a period of 2 years for use in the legitimate business purposes listed above.

You may choose to opt out of the processing of your data at any time by contacting us on the details listed in the ‘Who We Are’ section of this policy. We may retain some of your information to ensure that we can keep a record to identify that you wish no further processing of your data to take place, and to comply with any legal and/or regulatory responsibilities we hold.

If any business is transacted with the company, the new data retention period that supersedes any previously agreed retention period will be outlined to you as part of this process, and we will also supply you with the reasoning for this new retention period.

Who will have access to this data

This data can be accessed by members of Impartial Mortgage & Protection Ltd, our lender and provider partners and also by staff members at our Principal Firm The Right Mortgage Ltd, as we may store customer records on our shared back office system.

Your rights to our processing of your data

Under the General Data Protection Regulation, you have the following rights:

The right to know if we are processing your personal data, what data we are processing and why we are processing it- which we have detailed above.

The right to access confirmation that we are processing your data and access the personal data we hold for you. The way to request this information is detailed in the ‘Subject Access Requests’ section of this policy.

The right to request correction of any inaccurate personal data that we process relating to yourself. This can be requested in writing using the contact details listed in the ‘Who We Are’ section of this policy.

The right to obtain and reuse your personal data for your own purposes across different services.

The right to object to:

·         processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling);

·         direct marketing (including profiling)

The right to request that we delete personal data that we process relating to you if:

•             We no longer need the data

•             If you withdraw your consent for us to process your personal data and we don’t have another legal basis to hold this data

•             If you object to our processing and we don’t have a legitimate ground to process it

•             If we are processing your personal data unlawfully

•             If we must delete the data due to a legal obligation

The right to request that we restrict our processing of your personal data if:

•             You contest the accuracy of the data

•             Our processing is unlawful but you don’t want us to delete the data

•             We don’t need to process your personal data anymore but you need it for a legal claim

•             You object to our processing of your personal data on the basis of our legitimate interest 

If you wish to enact any of these rights, please contact us using the details in the ‘who we are’ section. For further information on these rights, please visit the ICO website.

Subject Access Requests

You may request a copy of the information we hold for you through a subject access request. This can be done by contacting us using the details listed in the ‘who we are’ section, detailing which information you would like access to. There is usually no cost, and which will be complied with within 1 month.  Where the request is considered to be manifestly unfounded or excessive, we may charge administrative costs or refuse the request. If you are unhappy with the response from Impartial Mortgage & Protection Ltd, and this cannot be resolved directly by contacting us, please contact the Information Commissioners Office.

Complaints related to data processing

If you are unhappy with the way in which we are processing your data, please contact us directly in the first instance to resolve this issue. If this issue cannot be resolved directly by contacting us, please contact the Information Commissioners Office.  

Our Use of Cookies

We do not currently use cookies on our website, and you will be asked to opt in to receive these if they are to be used in future, which will then be detailed in this privacy policy.

Before Cookies are placed on your computer or device, you will be shown a prompt e.g. cookie pop up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you.

Most internet browsers also enable you to choose whether you wish to disable all cookies or only third-party cookies. By default, most internet browsers accept cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

You can choose to delete cookies on your computer or device at any time, however you may lose any information that enables you to access our site more quickly and efficiently including, but not limited to, login and personalisation settings.

It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

Know Your Cookies

All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:

Strictly Necessary Cookies

A cookie falls into this category if it is essential to the operation of our website. Strictly necessary cookies may, for example, be required for functions such as logging in, storing items in a shopping basket, or enabling payment transactions.

Analytics Cookies

Understanding how users use our website can be extremely valuable. Analytics cookies provide insights into many factors such as how users are navigating around the site and what features they are using. Analytics cookies may often be set by third parties, but not always.

Functionality Cookies

Many websites offer some level of personalisation and functionality cookies play a key role here. For auditing purposes, however, it is important not to confuse these with the strictly necessary variety. If the site can be used properly without the cookie, it isn’t strictly necessary.

Targeting Cookies

It is important to know when and how often someone visits our website, and which parts of it they have used (including which pages they have visited and which links they have followed). As with analytics cookies, targeting cookies allow us to better understand our users, enabling us to make our site and, more importantly, the advertising on it more relevant to those users’ interests. Targeting cookies may often be set by third parties.

First-Party Cookies

As the name suggests, these cookies are placed directly by our website (as opposed to those placed by third-party services, for which see below). Most, if not all, of your strictly necessary and functionality cookies will likely be first-party cookies.

Third-Party Cookies

These cookies are placed by third parties providing services such as advertising and analytics. Analytics and targeting cookies are common types of third-party cookie as such work is often not undertaken in-house.

Persistent Cookies

Any of the cookies listed above may be a persistent cookie. Persistent cookies are those which remain active on a user’s computer or device for a predetermined period of time and are activated when that user visits your website.

Session Cookies

Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.

For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to the sections above.

Links to other websites

Our website may contain links to third party websites. It should be noted that we do not have any control over these websites and so we are not responsible for the protection and privacy of any information which you provide whilst visiting such sites, which are not governed by this privacy statement. For this information, please consult the privacy statement applicable to the website in question.

What to do if you have a complaint

If you wish to register a complaint, please contact:

…in writing      The Right Mortgage, St Johns Court, 70 St Johns Close, Knowle, B93 0NH

…by phone      01564 732744

A summary of our internal complaints handling procedure is available on request. If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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 Impartial Mortgage & Protection 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 enquiries@impartialfs.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. Impartial Mortgage & Protection 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:

Head office:
Impartial Mortgage & Protection
Top Floor
5 London Road Southampton
Hampshire
SO15 2AE
Telephone: 02380 221700
Fax: 02380 338366
Email: enquiries@impartialfs.co.uk

About Us

Impartial Mortgage & Protection is an Independent Mortgage Broker and Insurance Brokerage.

Head Office

Top Floor, 5 London Road,
Southampton, Hampshire,
SO15 2AE

02380 221700

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Wills & trusts, conveyancing services, and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
As a mortgage broker, Impartial receives a fee from mortgage lenders, which is normally a small percentage of the loan we arrange. We do not charge a fee for mortgages over £100,000. For mortgages of under £100,000 there may be a fee for mortgage advice, the specific amount will depend upon your circumstances but our typical fee is £200

Impartial Mortgage & Protection Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Impartial Mortgage & Protection Ltd. Registered office:Top Floor, 5 London Road, Southampton, Hampshire, SO15 2AE This website and its content is copyright of Impartial - © Impartial 2016. All rights reserved. Company registration number 09648996

The guidance contained in this website is subject to the UK regulatory regime and is therefore targeted at consumers based within the UK.

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