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Privacy policy

Online Mortgage Advisor Privacy Statement

We strongly believe in protecting visitors to our website and any of the information that may be provided to us. We take your privacy seriously, please read carefully below to be clear on what our policy is.

If you have any questions at all or would like to know more please do not hesitate to contact us HERE

 

Cookies

What Are Cookies?

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

If you do not wish to accept cookies on to your machine you can disable them by adjusting the settings on your browser. However this will effect the functionality of the websites you visit. Details on how to remove or disable cookies for various browsers can be found here.

The Cookies We Set

When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, LinkedIn, Google, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More Information

Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However if you are still looking for more information, you can contact us through one of our preferred contact methods.

What personal information might be collected?

As mortgage criteria is so vast, if your situation is not straightforward you may have found that many high street mortgage advisors and brokers are not used to handling your application. The advisors we pass you to are different in that they specialise in different areas, whether that is Self-employed, Ex-pat, Buy-to-let, Adverse credit etc. It is therefore important for us to define your situation using the forms on this website, so you can be triaged to the best possible qualified expert, someone who handles such enquiries every day. Therefore we will ask you various questions regarding your specific situation.

We may receive personal information in a variety of different ways on a large number of pages on our website. You will be prompted of the exact questions in the forms through which we record this information, including information relating to your deposit; income; credit history; and dates of birth to name a few. We will also collect contact details so your advisor and us can contact you, and your postcode so we can try to place you with a local advisor. Details to do with any visits to our site by you along with any resources you have used may also be collected.

You will know what details we are obtaining as you will be able to see whatever it is that we are requesting. If you contact us either through our website or outside of the website, a full record of that correspondence may be kept. We promise to always use any information given to us by you solely in a manner related in some way to the initial purpose for which it was given.

It is entirely your choice whether you want to provide us with any personal information. If you don’t choose to that is fine, however, we may not be able to assist you if our assistance is what you desire. When personal details are entered onto our website, they will be being entered within a secure online environment.

Under the requirements of the Data Protection Act 1998 you can, for a fee (max. £10). ask us for a copy of any information held on you and to have any inaccurate information removed or changed. To do this, please contact us either on the phone or via email.

Where is your data stored?

Your data will never be stored in any location outside of the European Economics Area (EEA). Unfortunately, although highly unlikely, we could never guarantee that information sent to us via the Internet is 100% completely secure. Although we will always do our utmost to protect your personal information, it is not guaranteed. Any personal information is sent to us at your own risk. Once data is received we use strict procedures and take advantage of specific security features to attempt to avoid unauthorised access.

How your information is used

OnlineMortgageAdvisor.co.uk provides the specialist information for potential borrowers who are struggling to find finance. The market leading experts for these niche finance arrangements will be from different companies around the UK, and they are the experts that write most of the content on our site. We at OnlineMortgageAdvisor will not offer you the tailor-made mortgage advice ourselves, we put you in touch with one of these specialists and they advise you on the best lenders, products, services etc specific to you.

The information provided to us may be shared internally with employees of OnlineMortgageAdvisor in order to deal with your request in the most effective manner possible, and as outlined above, we will of course also share your information with the specific advisor we pass your enquiry on to.

By making an enquiry you agree to be passed onto one of these specialists who will contact you directly to discuss your enquiry further. These advisors are all fully regulated and authorised in the UK by the FCA, and some of these specialists even work in the same building as us! All enquiries are passed to third party mortgage brokers to provide you with the best advice and recommendation, although we do have our own support team who will assist in the management of your enquiry to ensure you receive the best possible service.

We will not pass or sell your details on to third party companies purely for marketing purposes. Where we pass on your details to a third party company we will only do this if it makes explicit sense pertaining to your enquiry and those companies will only use your details to help you in the manner required. Two examples of partner companies we work with are below:

Merchant Advice Service Ltd. – Independent advisory service for everything related to card payments and merchant services. Similar business to Online Mortgage Advisor but for the card payments industry – find out more by clicking here.

Create Finance ltd. –  One of the specialist mortgage brokers we work with, with expertise in a wide variety of fields.

Occasionally the advisors we work most closely with will exceed their capacity in busy periods and around holidays etc. In such times we still aim to maintain the highest possible level of support for all visitors, so your enquiry will be passed to So Smart Money, and they will put you in touch with the next advisor they have available. You will be prompted on the enquiry form, pre-submission, to click on the Terms & Conditions and read their privacy policy and terms of service, and you should only enquire once having read and agreed to these.

We like to maintain a strong and ongoing relationship with all of our visitors. By submitting an enquiry you also confirm you are happy for us to keep you up to date with new products, services, and for instance if you have been unsuccessful in obtaining a mortgage, we will provide you with critical market updates to keep you informed and help you obtain the finance you need ASAP. If you wish to stop this service then please email enquiries@onlinemortgageadvisor.co.uk with the subject title ‘STOP EMAILS’, from the email address you wish to be removed from record.

Will will never share your personal personal details with anyone it is unnecessary to do so with, whether inside or outside the company, unless we have your explicit consent to do so or are obliged to by law.

Complaints Procedure

OnlineMortgageAdvisor is committed to providing services of the highest standards. Getting in touch with us if you are not satisfied with the service or content on our site allows us the ability to put things right and also improve processes for other visitors.

Please follow our complaints procedure below so that we can pass your complaint to the right person and resolve things as quickly as possible:

Contact us via email

Email your compliant to us at enquiries@onlinemortgageadvisor.co.uk

Contact us via post

Write to us at our head office address

Complaints
OnlineMortgageAdvisor.co.uk
Lathkill House
RTC Business Park
London Road
Derby
DE21 8UP

Contact us via phone

01332 678081

 

Please provide us with the following:

  • Your name, address, and phone number
  • A concise description of the complaint (with details of the people / procedure in question)
  • A description of how you would like us to put things right

We’ll always do our best to handle your complaint immediately however it can often take time to investigate, we will aim to respond to your complaint in writing (email if appropriate) within 5 working days of receipt. We then aim to fully resolve complaints within 4 weeks but if things take longer we will contact you to explain with an idea of when we will be able to get things resolved.

If you email we will reply via email, however we may also contact you by phone or post where necessary and appropriate.

 

If your complaint is about an advisor

OnlineMortgageAdvisor accepts no responsibility for advice or services provided by any third parties, but if you have a compliant about one of the brokers we pass you to, we of course want to know about it! We take these complaints seriously as we want to ensure our visitors are treated fairly by third parties we recommend, however we cannot be held responsible for the actions of another company and as such you will need to take the complaint up with them directly following their complaints procedure. This is usually first dealt with directly by them, or with the regulator and financial ombudsman.

Where the products are FCA regulated

You can ask The Financial Ombudsman Service to review your complaint – they handle disputes with financial firms, but will only deal with your complaint once you have tried and failed to resolve the issue direct with the brokerage in question.

How to contact the Financial Ombudsman Service

By post:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

Phone: 0800 023 4 567 or 0300 123 9 123 from a mobile
Website: www.financial-ombudsman.org.uk

Other products

Where complaints are relating to a non-regulated product, there are no other official avenues than direct with the brokerage or via Trading Standards.

 

Any Questions?

Do not hesitate to contact us for clarification about any of the issues discussed in any of the articles. Simply contact us via any of the options on our contact page and we will do our best to clarify any of the matters discussed to you until you understand.

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