Terms and Conditions
Website Terms and Conditions
Website Privacy Policy
1.1 Website usage agreement between Money and Me, Premier Mortgage Club Ltd who hold the client data and the user.
1.2 Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with Scottish law please read these carefully.
1.3 This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
2. Use Of Content
2.1 Throughout our website, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial contact with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies.
2.2 We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated. 2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside our control. 2.4 We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement.
2.5 If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material.
2.6 You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action.
2.7 Any rights not expressly granted in these terms are reserved.
Changes
3.1 We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions form the time you next access the site.
3.2 No purported modification of these conditions will be effective until we countersign it.
Downloads
4.1 You must ensure that any software downloaded from the internet to your computer is suitable for use on your computer and that it is virus free. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer.
Disclaimer
5.1 The information on this site is provided on an ‘as is’ and ‘as available’ basis.
We try to ensure, but do not guarantee or warrant, the accuracy or
completeness, availability or reliability of the information on our
website. Our aim is to keep this information timely and accurate. If
errors are brought to our attention, we will try to correct them.
5.2 We exclude any warranty, express or implied, as to the quality
or fitness for a particular purpose of any of the content on this
site.
5.3 We reserve exclusive right at our sole discretion to alter, limit
or discontinue part of this site. Under no circumstances shall we
be liable for any loss, damage, liability or expense suffered which
is claimed to result from the use of this site, including without
limitation, any fault, error, omission, interruption or delay. Use
of this site is at the user’s sole risk.
5.4 We make every effort to minimise disruption caused by technical
errors. However, some data or information on our site may have been
created or structured in files or formats, which are not error-free,
and we cannot guarantee that our service will not be interrupted
or otherwise affected by such problems. We accept no responsibility
with regards to such problems (failure of performance, computer virus,
communication line failure, alternation of content, etc.) incurred
as a result of using this site or any link to external sites.
5.5 The materials on this site do not constitute medical, financial
or other professional advice. You should consult an appropriate professional
for specific advice tailored to your situation.
5.6 Users specifically acknowledge and agree that we are not liable
for any conduct of any other user.
5.7 By accessing this site you agree that we will not be liable to
you or any third party for any errors or delays in the site or for any
actions taken in reliance on it. You also agree that, to the full extent
allowed by applicable law, we will not be liable for any direct, indirect
or consequential loss or any losses that were actually unforeseeable
by us arising from the access or use of the site or from your access
or use of other material on the internet via web links for this site.
We do not seek to limit liability in respect of fraudulent misrepresentation
nor in respect of death or personal injury directly caused by our
negligence.
5.8 We reserve the right to deny at out sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.
This privacy statement establishes how we handle the information we
learn about you when you visit our site. Protecting the privacy and personal
data of our visitors is of utmost importance to us.
Links
This privacy policy only covers our website and does not extend to other websites
accessed from this site. We are not responsible for the privacy policies or the
content on third party websites.
Data Protection
All personal details submitted to us will be held in accordance with our responsibilities under the Data Protection Act 1998 (the Act) that applies in the UK.
The principle purpose of collecting personal data from you via this website is to provide information or services specifically requested by you. When you complete our online enquiry form, we ask for your contact details and other selected information so that we can deal with your request as efficiently and effectively as possible. We only collect relevant information in order to provide a quotation, for a mortgage, loan or quotation.
The Act allows you to find out what information we hold about you in return for a small fee. This is known as a subject access request. Before sending you any personal data, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you personal data. You can obtain further information about data protection laws by visiting the Information Commissioner’s website at www.dataprotection.gov.uk you can search for our Data Protection Notification there, should you wish to do so.
We may on occasions wish to use personal information supplied by you when you registered with us, contacted us, requested brochures or provided personal information from other services accessed from us, to inform you of new services, products and promotions which we think maybe of interest to you. If you do not wish to receive any further information from us you may inform us of this by email or by letter.
In addition, we may pass your details to carefully selected third parties only with regard to your enquiry and the service we provide.
If at any time you believe we have not complied with these principles,
please notify us by email to
info@premiermortgageclubltd.co.uk and we will investigate your concerns
and take all reasonable steps to resolve the matter promptly.
Security
We intend to protect the quality and integrity of your personal information.
We have security measures in place to protect your data and access
to this data is under strict guidelines. We protect data against
any unauthorised access to its website access details, log off/exit
from site when not using it and keep passwords secret.
We have implemented technologies and security policies such as SSL
(Secure Socket Layer) which is a way to transfer sensitive data securely
using 128-bit encryption. This makes it safe from monitoring and
manipulation attempts. Itprotects stored personal data
of our usersfrom
unauthorised access, improper use, alteration, unlawful or accidentaldestruction
and accidental loss. Employees and processors who have access to personal
data are obliged to respect the privacy of our visitors and the confidentialityof
their personal data.
Please note that although we
take reasonable steps to protect data, open emails are not
secure and third parties may be able to intercept access or
alter any information, you send by email. We are not responsible
for and cannot accept any liability for any damage resulting
from email messages sent to or received by us.
Notification of changes
There may be a need to amend this privacy statement and these will
be highlighted on the website home page.