Privacy Policy | The Insurance Clinic
Winner Best Independent Mortgage Advisory N.Ireland 2020
Winner Best Independent Mortgage Advisory N.Ireland 2020
Best Mortgage Broker Belfast 2021
Best Mortgage Broker Belfast 2021
Number 1 rated Mortgage Advisors in Belfast and N.Ireland
Number 1 rated Mortgage Advisors in Belfast and N.Ireland
Top rated Adviser 2021
Top rated Adviser 2021
Winner Mortgage Broker of the Year 2020
Winner Mortgage Broker of the Year 2020
Privacy Policy
This privacy policy applies between you, the User of this Website and THE MORTGAGE & FINANCE CLINIC LTD, the owner and provider of this Website. THE MORTGAGE & FINANCE CLINIC LTD takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to your use of the Website.
Please read this privacy policy carefully.
Definations and Interpretation
1. In this privacy policy, the following definitions are used:Datacollectively all information that you submit to THE MORTGAGE & FINANCE CLINIC LTD via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;
Data Protection Laws
any applicable law relating to the processing of personal Data, including but not limited to the Directive 96/46/EC (Data Protection Directive) or the GDPR, and any national implementing laws, regulations and secondary legislation, for as long as the GDPR is effective in the UK;
GDPR
the General Data Protection Regulation (EU) 2016/679;
THE MORTGAGE & FINANCE CLINIC LTD,
or us
THE MORTGAGE & FINANCE CLINIC LTD, a company incorporated in Northern Ireland with registered number NI645367 whose registered office is at City East Business Centre, 68- 72 Newtownards Road, Belfast, United Kingdom, BT4 1GW
User or you
any third party that accesses the Website and is not either (i) employed by THE MORTGAGE & FINANCE CLINIC LTD and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to THE MORTGAGE & FINANCE CLINIC LTD and accessing the Website in connection with the provision of such services; and
Website
the website that you are currently using, themortgageclinicuk.co.uk, and any sub-domains of this site unless expressly excluded by their own terms and conditions.
2. In this privacy policy, unless the context requires a different interpretation:
1. the singular includes the plural and vice versa;
2. references to sub-clauses, clauses, schedules or appendices are to sub-clauses, clauses, schedules or appendices of this privacy policy;
3. a reference to a person includes firms, companies, government entities, trusts and partnerships;
4. “including” is understood to mean “including without limitation”;
5. reference to any statutory provision includes any modification or amendment of it;
6. the headings and sub-headings do not form part of this privacy policy.
Scope of this privacy policy
3. This privacy policy applies only to the actions of THE MORTGAGE & FINANCE CLINIC LTD and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.
4. For purposes of the applicable Data Protection Laws, THE MORTGAGE & FINANCE CLINIC LTD is the “data controller”. This means that THE MORTGAGE & FINANCE CLINIC LTD determines the purposes for which, and the manner in which, your Data is processed.
Data Collected
5. We may collect the following Data, which includes personal Data, from you:
1. name;
2. contact Information such as email addresses and telephone numbers;
3. IP address (automatically collected);
4. in each case, in accordance with this privacy policy.
How we collect Data
6. We collect Data in the following ways:
1. data is given to us by you; and
2. data is collected automatically.
Data that is given to us by you
7. THE MORTGAGE & FINANCE CLINIC LTD will collect your Data in a number of ways, for example:
1. when you contact us through the Website, by telephone, post, e-mail or through any other means;
2. when you register with us and set up an account to receive our products/services;
3. contact and quote forms;
in each case, in accordance with this privacy policy.
Data that is collected automatically
8. To the extent that you access the Website, we will collect your Data automatically, for example:
1. we automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation, and includes your IP address, the date, times and frequency with which you access the Website and the way you use and interact with its content.
Our use of Data
9. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:
1. Internal record keeping;
in each case, in accordance with this privacy policy.
10. We may use your Data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed “Your rights” below).
11. When you register with us and set up an account to receive our services, the legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
Who we share Data with
12. We may share your Data with the following groups of people for the following reasons:
1. our employees, agents and/or professional advisors – to process your request;
in each case, in accordance with this privacy policy.
Keeping Data secure
13. We will use technical and organisational measures to safeguard your Data, for example:
1. access to your account is controlled by a password and a user name that is unique to you.
2. we store your Data on secure servers.
14. Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this e-mail address: info@themortgageclinicuk.co.uk.
15. If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.
Data Retention
16. Unless a longer retention period is required or permitted by law, we will only hold your Data on our systems for the period of 5 years to fulfill the purposes outlined in this privacy policy or until you request that the Data be deleted.
17. Even if we delete your Data, it may persist on backup or archival media for legal, tax or regulatory purposes.
Your Rights
18. You have the following rights in relation to your Data:
1. Right to access – the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is “manifestly unfounded or excessive.” Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
2. Right to correct – the right to have your Data rectified if it is inaccurate or incomplete.
3. Right to erase – the right to request that we delete or remove your Data from our systems.
4. Right to restrict our use of your Data – the right to “block” us from using your Data or limit the way in which we can use it.
5. Right to data portability – the right to request that we move, copy or transfer your Data.
6. Right to object – the right to object to our use of your Data including where we use it for our legitimate interests.
19. To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this e-mail address: info@themortgageclinicuk.co.uk.
20. If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner’s Office (ICO). The ICO’s contact details can be found on their website at https://ico.org.uk/.
21. It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.
Links to other websites
22. This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.
Changes of business ownership and control
23. THE MORTGAGE & FINANCE CLINIC LTD may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of THE MORTGAGE & FINANCE CLINIC LTD. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
24. We may also disclose Data to a prospective purchaser of our business or any part of it.
25. In the above instances, we will take steps with the aim of ensuring your privacy is protected.
General
26. You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.
27. If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected.
28. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
29. This Agreement will be governed by and interpreted according to the law of Northern Ireland, England and Wales.
Changes to this privacy policy
30. THE MORTGAGE & FINANCE CLINIC LTD reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations.You may contact THE MORTGAGE & FINANCE CLINIC LTD by email at info@themortgageclinicuk.co.uk.
Information Request
31. To contact us about your data or to request the removal of your data from our systems please contact us on info@themortgageclinicuk.co.uk.
Updated 23rd May 2018
Prepared by Gekkoshot Seo Belfast Digital Marketing
Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.
We will never share your information with a 3rd party. We hate spam just as much as you do!
Why Choose Us
We are the Number 1 reviewed (five star) ★★★★★ Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application .
We offer independent advice, and can find you the best deals available for your circumstances!
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FROM OUR CLIENTS
“Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially.” read more..
“As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor Lurgan at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service for Mortgage advice Lurgan“
“We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!”
“I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !”