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Privacy Policy

The Data Protection Act
The Data Protection Act puts obligations on users of personal information and lays down principles for its use. One principle states that information has to be processed fairly and lawfully. This means that you're entitled to know how we intend to use any information you provide, or that we may obtain from other sources, eg. credit reference agencies or your employer. You can then decide whether you want us to have that information.

To provide the highest level of customer service we need accurate customer information. You can help by informing us whenever your circumstances change, either by phone, email or post.

Organisations must lodge a notification with the Information Commissioner, describing the purposes for which they process personal information. The details are publicly available from the Commissioner's Office at:

Wycliffe House,
Water Lane,
Wilmslow,
Cheshire SK9 5AF.
Tel: 01625 545 745
Fax: 01625 524 510


Alternatively, see the Commissioner's website at
www.informationcommissioner.gov.uk.

How do we use your personal information?
Our main use of your personal information is to source the most appropriate product for your circumstances and to provide the specific service you require.

If you apply through us for insurance or mortgage purposes we will pass your details to the insurer or lender. If you make a claim (for insurance), any information you give to us or to the insurer may be put onto a register of claims and shared with other insurers to prevent fraudulent claims. A list of the participants is available from the insurer. For mortgage applications, the information provided to us is purely used for the application process. We do not distribute or sell your contact details to third parties for marketing purposes.

Occasionally, we may contact you by letter, telephone, email or otherwise to inform you about other products and services which may interest you.

Under the Data Protection Act you've the right to have access to information we hold about you on our records. The Act allows us to charge a fee of ?10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it.

If you don't want to receive unsolicited mail from other companies, you can prevent this by registering with the Mailing Preference Service. In addition the Telephone and Fax Preference Services enable you to object to receiving unsolicited marketing phone calls or faxes from other companies. To register, simply telephone the appropriate number below:

Mailing Preference: 0207 291 3310
Telephone Preference: 0207 291 3320
Fax Preference: 0207 291 3330

For more details about all the Preference Services, please see the Direct Marketing Association's website at:
www.dma.org.uk

Credit Referencing
If you apply for a credit based product, the company you apply through will perform a search with a credit reference agency. The agency will keep a record of the search. After you open a credit based product, the provider will provide the agency with regular information about how you use it. Other lenders may use this to make decisions on future applications for credit. It may also be used for tracing debtors and to prevent fraud.

Your financial records, and those of anyone financially associated with you, may be considered in any future applications you make. This association will continue until one of you successfully files a 'disassociation' at the credit reference agencies.

You have the right to apply to the credit reference agencies for a copy of your credit file. You can write to them at any time, enclosing a non-returnable fee of ?2.00. Please give your name, address, postcode, date of birth and any other address you've lived at in the last six years to help them find your information. If there's anything incorrect on your credit file, you've the right to ask the agency to add a Notice of Correction.

We use Equifax plc or Experian Limited. Their addresses are as follows:

Equifax plc,
PO Box 1140,
Bradford,
BD1 5US
www.uk.equifax.com

Experian Ltd,
Consumer Help Service,
PO Box 8000 Nottingham,
NG1 5GX
www.experian.co.uk


If you've been refused credit, you can get advice from your local Trading Standards Department, Citizens Advice Bureau or Consumer Advice Centre. The Information Commissioner also produces a useful leaflet entitled 'No Credit?'. You can obtain a free copy on the Information Commissioner's website www.informationcommissioner.gov.uk or by telephoning 0870 600 8100. Comprehensive consumer help information can also be found on the agencies' websites.

Credit Scoring
When you apply for a credit based product, the details you provide and the information credit agencies already have are used to assess credit risk using a technique known as credit scoring.

Various factors in all these details help potential lenders assess the risk. A score is given to each factor and a total credit score obtained. If your score is above a confidential, pre-set pass score, the application is likely to succeed.

Money Laundering and statutory obligations
As part of the product opening/application process, by law, we have to confirm your name and address. Some Acts of Parliament oblige us to disclose information about our clients to certain bodies with statutory powers. For example, if asked, we must give the information to authorised benefit fraud investigators where fraudulent benefit claims are suspected. In addition, HM Revenue & Customs has the statutory authority to audit our clients? accounts from time to time.

Email
If you email us, or give us your email address, we'll keep a record of it. We may use it to contact you occasionally about our products and services - unless you ask us not to do so. We'll not give your email address to any unauthorised third parties. When emailing us, always use the email facility on our website to make sure that the content of your email is secure. If you send us email in other ways, remember that it will be 'unsecure' and could be intercepted. If you do send us 'unsecure' email, please keep any confidential information in it to a minimum. We'll do the same when we reply.

Responsibility for Customer Confidentiality
All our employees are personally responsible for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations. Our policies and procedures are regularly audited and reviewed.

Sensitive Information
The Data Protection Act defines information about the following as 'sensitive': racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences.

If you apply for a mortgage or life assurance through us, we may ask you for some 'sensitive' details. We'll only use this information to provide the service you require and we will ask for your explicit consent.

Links to other websites
The mortgage monkey website contains links to sites operated by persons outside our company. We are not responsible for the privacy practices, content, or the product and services provided through those sites

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