|
|
How
we work?
- www.mortgage.gb.com
is one of our gateways for the public to access one of the best
mortgage providers in the financial industry.
- Our
mortgage ADVICE service is absolutely FREE. We make no charge
to customers for our service, nor do any of our advisors for
the advice. (See our Customer
Care Code below)
- www.mortgage.gb.com
takes essential information from you and introduces you to a
qualified Mortgage advisor, one who SPECIALISES
in the particular kind of mortgage advice you request.
From then
on your designated Advisor will answer all your questions and
will lead you through the process.
- Mortgage
Advisors on our team are Independent Mortgage Advisors, not
employees of Register Online Limited/www.mortgage.gb.com. The
advisor takes full responsibility for the advice/services he/she
provides.
If you have any comments/complaints about the service you receive
from the advisor, please contact
us immediately.
- Staff
at www.mortgage.gb.com can offer general help regarding our
service or website, but no member of staff is qualified to give
you any Mortgage advice whatsoever.
- www.mortgage.gb.com
is a service provided by Register Online Limited, a highly professional
and ethical company based in Shropshire.
- Register
Online Limited/www.mortgage.gb.com is not a lender, nor are
we tied to any particular lender/s.
Customer Care Code
All
our Advisors will:
- Contact
each newly introduced customer within 24 hours by phone or email;
- Provide
all quotations in writing/email to the Customer within 48 hours;
- Provide
free, fair and impartial advice best suited to the needs of
the Customer.
- A
customer will be under NO OBLIGATION to accept a quote from
an Advisor;
- NEVER
- Ask for, nor take a fee for any advice or quotation
to a Customer:
- INCLUDE
- in every quote all relevant charges of the lender/s (e.g.
Valuation or Legal Fees etc. and any arrangement fee) in absolutely
clear and simple language;
- ARRANGEMENT
FEE - as per MCCB rules, advisor may charge an arrangement fee
that will be payable only on the completion of the mortgage
but NEVER upfront nor in case of mortgage not been completed.
- COMPLY
- with the current Data Protection Act and maintain all our
customers' personal information with the strictest confidence.
· When an Advisor offers other related services (e.g. insurance)
quotations must be competitive.
Your Rights
- If you
are in any doubt about whether any advice offered is suitable
for your needs you can ask for a second opinion either through
us or directly to another independent Mortgage advisor.
- You will
be under no obligation at all to accept any advice/service or
product offered by our Advisors.
- We aim
to provide to all of our customers a first class standard of
service. If you are unhappy with this service or have any case
for dissatisfaction please contact
our customer services, quoting your name and date of application.
For your own security, our staff member may ask you other personal
details to establish your identity.
- Should
this matter not be resolved to your satisfaction you may then
approach any of the contacts at the bottom of the page.
- None of
our terms will affect your statutory rights as a consumer.
- Please
remember that your home is at risk if you do not keep up repayments
on a mortgage or other loan secured on it.
- Jurisdiction
- Our relationship with you will be governed by English law
and will be subject to the exclusive jurisdiction of the English
courts.
- Register
Online Ltd trades under
www.mortgage.gb.com,
a business name for the services it provides
as a gateway to the financial industry.
- Register
Online LTD may use other url addresses to provide the same or
similar services.
Data Protection (your
security on this website)
- The information
that you provide as part of your application will be passed
to one of our Advisors, who will use it to prepare a quote for
you, for the relevant financial services and products.
- You can
choose to review/edit your personal details in our database/s
at any time just by logging in to your 'MY ACCOUNT' facility
using your username and password. You may also choose to DELETE
your details. This will be executed by our system as soon as
is reasonably possible.
- We are
required to ensure that the records we hold about you are correct.
Please update your details using MY ACCOUNT when you revisit
the site. If your account remains inactive for a long period
it will expire, but you may update and restart it again.
- All the
personal details we hold about you on our record will be shown
in your 'MY ACCOUNT' page. If however you would like a copy
of details that your advisor holds about you, you may write
to your advisor directly. Details of your advisor/s are also
available on your 'MY ACCOUNT' page.
- If you
have any complaints about the way that we have dealt with your
personal details, you are entitled to address your complaint
to the Information Commissioner (formerly the Data Protection
Registrar). Your rights are currently governed by the Data Protection
Act of 1998.
- We
will treat all of your personally identifiable information as
private and confidential. It is our policy NEVER to disclose
our customer's details to any third party , except in the
following circumstances:
- Where we
are legally compelled to do so;
- Where disclosure
is made to the provider of the advice/service that you have
requested;
- Where,
despite very strict security measures, our database/s are accessed
by an outsider through malicious/unlawful means (say if our
server is hacked). 100% security guarantees are not possible.
- Where,
despite very strict security measures, information may happen
to reach a third party by a technical or human error.
Code of Practice for Which? Web Traders
www.mortgage.gb.com's
Code of Practice complies with the Code of Practice specified
by Web Trader, a marque
of Which? Online / Magazine. Our Code was last updated on January
29, 2002. This is in addition to all of your rights described
above.
Advertising
All our
marketing meets the conditions of the British Codes of Advertising
and Sales Promotion, which you can see at www.asa.org.uk.
In particular, it must be legal, decent, honest and truthful.
Confirmation
- We will
acknowledge your application/query by email within 24 hours
and our advisors will endeavour to respond to all applications
and enquiries within 48 hours during weekdays.
Security
- www.mortgage.gb.com
uses a Secure Socket Layer for the encryption of all of your
application data. Then your details are passed to an advisor/service
provider by encrypted email or other secure means. We have undertaken
a GAP analysis in accordance with BS7799 (Code of Practice for
Information Security Management) and as a result www.mortgage.gb.com
have an ongoing information security management system to review
security standards. For full details about this please see www.bsi-global.com.
Jon Farmer is the person responsible for
the security and privacy matters on and behind our website,
and can be contacted at security@mortgage.gb.com
Data
protection and privacy
- When you
make your application a cookie will be sent to you computer.
This is only used to track a registration or application while
you are online at www.mortgage.gb.com. The 'cookie'
will be stored in your browser. A cookie is a small piece of
information sent by a web server to a web browser, which enables
the server to collect information back from the browser. The
use of cookies in this way is commonplace in modern web sites.
- www.mortgage.gb.com
does not compare or refer to any external data source for marketing
purposes to our customers.
- www.mortgage.gb.com
does not sell, share or exchange your data to a third party
for any commercial purpose except where required to assist your
mortgage and any other requested services.
- www.mortgage.gb.com
has no current intention of transferring any personal information
outside the EEA.
- We or our
advisors shall not offer/sell any Financial Service/advice to
persons under the age of 18. However, we welcome any student
who undertakes research in this subject as part of his/her School/University
Project: our advisors will be very happy to respond to such
queries. You must send your request to research@mortgage.gb.com
Handling Complaints, Legal advice and help
- If we are
unable to resolve a complaint with you, you may go to Which?
Web Trader to have your complaint resolved independently. Which?
Web Trader will look at the complaint and check to see whether
we have handled it properly and, if appropriate, recommend a
solution. Their service will be:
- effective
- available
on-line
- available
to all consumers regardless of where they live
- free to
the consumer
- independent
- quick -
with clear time limits
- easy to
use
- well publicised
- transparent
- If you
do not think that your complaint has been handled in accordance
with these principles you may also refer it to TrustUK who can
look at the complaint and the way it has been handled and recommend
a solution.
- Subscribers
to Which? Online only:
if you have problems after buying online from traders in their
scheme you are entitled to free legal advice and help from Which?
Legal Service. Register Online Ltd will cooperate fully with
the Which? Legal Service to solve any problem that might arise.
Useful Links
Register
Online Limited, Nadi Kinarey, Dale End, Ironbridge, Shropshire,
TF8 7DN
Telephone: 01952 433 225, Fax: 01952 432 958/9 E-mail: support@mortgage.gb.com
Office Registered in England - Registration No. 3599022
Authorised by the Office of Fair Trading - Consumer Credit License
No. 513722
Data Protection Registrar Number Z6505858
|
|
|
