Mortgage protection
protection insurance privacy policy
For
'privacy policy' please click
here...
Please read Terms of Business & Conditions in
the use of Use of this website
www.mortgageprotector.co.uk is
a trading style of Independent Financial Services
(GB), a privately owned mortgage and insurance
brokerage services. Located : 63 Meadway, Rochdale,
Lancashire. OL11 3NP from hereon known
as ''company'' and the consumer or end user
known hereon as ''consumer''.
Transaction between the Company and Consumer
will be a Non-advised basis information is
provided so you can make an informed decision,
and the Consumer is rest assured of the ensuing
responsibilities and implications as a Consumer.
If in doubt seek professional financial advice.
If you would like to find out more about
Independent Financial Services (GB) and
associated companies please visit "About Us''
Link in the left hand column.
Independent Financial Services (GB) 63 Meadway,
Rochdale, Lancashire OL11 3NP, is Authorised and
Regulated by the Financial Services Authority (FSA)
for regulated insurance and mortgage activities.
Our Firms FSA registration No. is 300740. FSA
registration can be verified by accessing
www.fsa.gov.uk/register or contacting the FSA on
tel. 0845 606 1234. The FSA does not afford
protection in certain circumstances. In the case
of mortgages i.e. commercial loans and second
charges. Full details can be obtained by
unregulated products accessing www.fsa.gov.uk.
Company is covered by Professional Indemnity
Insurance that provides additional protection.
Consumer Credit License No. 621352. Data
Protection No. Z88277628
Locum Agreement: In recognition of the
fact that a member of Independent Financial
Services (GB) is not able to conduct routine
mortgage or insurance business. Then in order to
ensure that the interests of you the client(s)
are not placed at Risk it is agreed that the
responsibility for 'locum cover' will be vested
to another suitably qualified and professional
person at the discretion of Independent
Financial Services (GB).
This website for www.mortgageinsurances.co.uk, is
a online service only, as a company we are
giving as low a premium as possible, therefore
no telephone support will be offered directly by
us, to you the consumer. We will outsource any
support to a third party, which may be via
telephone and electronic means.
These Terms and Conditions along with Financial
Services Authority (FSA) Initial Disclosure
Document 'Keyfacts' About our Insurance Services
govern your use of our website. We strongly
advise you to read the Terms and Conditions as
they form a contract between the Company and
Consumer for use and contents of our website,
and information herewith contained.
As a consumer if you do not agree with
these Terms and Conditions, Financial Services
Authority (FSA) Initial Disclosure Document 'Keyfacts'
About our Insurance Services please do not use
Company web-site, please EXIT with
immediate effect. By accessing Company website
you are consenting to have accepted the Terms
and Conditions in full as detailed here.
Consumers attention is also drawn to the Contact
Us page and Company Privacy Policy, Financial
Services Authority (FSA) Initial Disclosure
Document 'Keyfacts' About our Insurance
Services, Policy Documents, contents of which
contain crucial information that you should
read.
Links are provided on the Home / Index page for
Consumer consideration.
Consumer Duty of Disclosure: Your
insurance is based upon the information provided
to the Company, insurer and its agents, and you
must ensure that all such information is
complete and accurate, and any material facts
that may influence the insurer's decision to
accept the policy and what terms are applied
must be fully disclosed, if in doubt 'disclose'
material facts. As failure to disclose material
information may invalidate your insurance cover
and could result in part or all of a claim may
not be settled by the insurer. In the case of
fraudulent applications and claims legal action
may be initiated against the consumer for any
losses incurred via the Company or insurer.
Company Obligation to You: Company will
use reasonable attempts to maintain Company
websites in a professional manner, and fit for
the purpose of online purchasing by the
Consumer. The Company cannot guarantee service
standards are sustainable, the Company cannot
accept responsibility for any interruptions or
failures in the operation of Company website or
for any malfunctions that may occur, or for any
costs, loss of profits, loss of data, or
consequential losses arising from Consumer use
of this or related company web-sites, or
inability to access or use Company website. Due
to circumstances beyond our control Company do
NOT warrant that the information and data
accessible via Company website is accurate, or
completely up to date. However we will take all
reasonable measures to provide adequate service
delivery to the Consumer that the contents of
the Company website is accurate and fit for the
purpose of use and functional. Nothing in these
terms and conditions shall exclude the Companies
liability for death or personal injury resulting
the Companies negligence.
The company reserves the right to restrict
Access to Company website that may be suspended
temporarily or permanently without further
notice. This may be for Company website
maintenance, and upgrading purposes at the
discretion of the Company.
Company Disclaimers: Company website,
its contents and references are provided without
any representation, term, condition or
warranty of any kind, either express or
implied (and whether implied by law, custom,
or otherwise) in
respect of our website and/or its content
to the extent
permitted by law. Unless we specifically
state otherwise, the information and content
on our website is provided "as is" and with all
faults and you take the entire risk as
to satisfactory quality, performance, accuracy
and effort.
Due to
the nature of websites, we take reasonable
precautions to maintain data as up to date,
and changes to implement new content may
not be immediate due to the involvement of
technical experts, prior to
incepting insurance cover Independent Financial
Services GB and any relevant insurer under-writers
reserve the right to amend policy terms and
premiums. This website along with any other
owned by Independent Financial Services take
no responsibility for malfunction, collapse
or failure of any electronic/auto including
but not limited to The Internet (in part
or in whole), Web Portals (in part or in
whole), EDI, XML Messaging (extensible Mark
Ip Language), other electronic or similar
submission process used intermediaries
and / or customer / clients on behalf of
the Insured, Insured direct or via Independent
Financial Services GB or Independent Financial
Services (Commercial)
Quotations
are provided by the Company on a non advised basis. This means that
no advice is given or implied and you are solely responsible for
deciding whether the policy is suitable for your needs. If you require
advice we recommend that you speak to an independent financial advisor,
or suitably qualified professional.
Disclaimer: We have taken care to ensure that the information on this web site
is accurate. However we can give no guarantee as to the the accuracy of the
content of the site. We accept no liability for any losses whether direct or
indirect arising from errors on our part. This web site has links to other
sites which are hosted by other providers for which we have no control or authority
over content, pricing or accuracy. To follow any such link is at your own risk.
Company will be released from our obligations
under these Terms and Conditions, and in
the Key facts About our Insurance Services in the event
of any causes beyond our due responsibility & control, which
results in the provision of Company website not viable or practical
in use.
Company exclude to the fullest extent possible
under English Law, and save in respect of death
or personal injury arising from negligence,
all liability for any claims, losses, demands or
damages arising directly, or indirectly out
of, or in any way connected with the content, or
your use, or inability to access Company website
including without limitation damage to, or
viruses or computer bugs, or server malfunctions
which may affect your computer equipment or
other property on account of your access to,
use of, or downloading from Company website.
Company takes no liability for any errors or
omissions in the content of Company website and
your use of Company website is entirely at
Consumers own risk. Company do not accept any
liability in respect of losses or damages
arising out of changes made to the content
of Company website by unauthorised third parties
and non company members, although we endeavour
to place appropriate security measures, but
cannot factor completely for the unknown.
Consumer acknowledges that you are solely
responsible for the use to which you put Company
website and all the results and information you
obtain from it and that all warranties,
conditions, undertakings, representations and
terms whether expressed or implied, statutory or
otherwise are hereby excluded to the fullest
extent permitted by law.
Within the remit of the Terms and Conditions
herewith shall exclude, limit or restrict either
Company duties to the Consumer or those of
Independent Financial Services (GB) under the
Financial Services and Markets Act 2000 and
any subsequent amending or replacement legislation
which regulates the carrying out financial
service activities as a intermediary in Great
Britain, or any conduct of business rules which
we are bound to comply with, and Data Protection
regulations.
Company does not endorse, or verify the contents
of third party websites and links, due to the
nature of the World- Wide -Web is often beyond
the Companies control. We request consumers to
exercise caution, and 'buyer be ware'
Duty
of disclosure: It is vital the information
provided by you forms the basis of a legal
contract between you and your insurer or scheme
agent and that you have an ongoing duty to
disclose all circumstances & material facts
which may effect for example claim or
under-writing process, or payment information
for premiums. It is therefore crucial that all
information provided is true, accurate and
complete, if not sure ask for guidance. Any
omission, misrepresentation or failure to
disclose an important change of circumstance
could potentially invalidate your insurance
cover and could mean that a claim may not be
settled by the insurer or its agent. It is
IMPORTANT that you read the insurance policy
information carefully to ensure that the
insurance cover meets your needs and
circumstances. This is particularly important if
any of the circumstances outlined in the
insurance policy documentation apply to you
because either an exclusion, or policy condition
may hinder you from being able to make a claim
as a non advised online transaction
Company Rights reserved: Company reserves
the right to amend herewith Terms and Conditions
and content of Company website(s) for whatever
reason at any time, including denial of access,
and at the Companies sole discretion at any time
and without notice or prejudice. Your use of
this website after a change has been posted will
be deemed to signify your acceptance of the
modified terms and conditions. We recommend that
you print off and retain for your records a copy
of these terms and conditions from time to time
and a copy of any terms and conditions relating
to any product or service which you apply
online, together with ay related application
form completed and submitted. Consumer will be
bound by such amendments and upgrades, and
Consumer highly recommended that you regularly
visit this page and contents of this website and
policy documents to read Companies current Terms
and Conditions on a regular basis. Any
amendments to terms and conditions must be
agreed in writing by us, if appropriate, by the
relevant company with whom you contract.
Copyright, Other Intellectual Property Rights
and Licence & Agreements: All Company
Website content, unless for the personal
transactional use of the Consumer may not be
used for Commercial utilisation for profit or
non profit without the Companies written
permission. All such Copy Right and Intellectual
rights are reserved by the Company (including,
without limitation, all database rights, rights
in design, rights in know how, patents, and
rights in inventions where registered or
unregistered, content and materials belong to
the company, or its business / commercial
partners). Trademarks displayed in Company
website cannot be used without prior written
permission of the owner of the Trademarks.
.
Consumer may not modify or amend Graphics or
content Company website, the contents may not be
published, distributed, transmitted, reproduced
without the Companies written consent.
Consumer access to Company Websites:
Company will use contact information from any
Consumer to deliver information and other
confirmations to you and to get in touch with
you when considered necessary.
Privacy Policy Online: (Please CLICK
PRIVACY for
full details)
Company Online Security: Safety of
Consumer personal details Company is aware that
when the Consumer purchase items or services
online Consumer seek your personal details and
your credit or debit card information to be
private and secure. Company is committed to
providing this security for the Consumer.
Company facilities for secure-server encrypts
all the details in your online transaction. The
encryption process takes the characters you
enter and converts them into a coded form, which
is then securely transmitted for processing.
Protecting Consumer Information: All
personal information about you the Consumer will
be treated as private and confidential (even
when you are no longer a customer), except where
the disclosure is made at your request, with
your consent in relation to administering your
insurance and except where law requires the
Company concerned. As part of the Financial
Service Authorities (FSA) duties, the Company
may be asked to provide them with access to
Company customer records in order that FSA may
carry out a review of our activities. Also
police may obtain access for legal purposes.
Specific or all of the information you the
Consumer supply the Company in connection with
your insurance proposal may be passed to
insurance and other companies for underwriting,
claims and premium collection purposes. Consumer
data will be held in accordance with the Data
Protection Act 1998, under which you have a
right of access to see personal information
about you that is held in our records, whether
electronically or manually. If the Consumer has
any queries, please write to Mr M. Ashaf at the
above address.
Electronic data: Apart from Consumer
personal information, which is addressed by our
Privacy Policy,
Company will treat any communication or material
you send to Company website electronically, or
otherwise, including financial information but
limited to data, questions, comments,
suggestions, or submissions ("your
information"), as non-confidential and
non-proprietary. By submitting your information
to our website, you irrevocably agree never to
assert any copyrights, moral rights, or other
rights you may have in such material.
Company may use Consumer information for any
purpose, including but not limited to
reproduction, transmission, disclosure,
publication, broadcast and posting for data
processing, security measures and compliance pr
Monitoring telephone calls and electronic
communication: Telephone calls using the
telephone numbers provided on this website, and
insurers and their respective agents and
electronic mail correspondence with the Company
at the email addresses accessible through, or
discernible from, this website may be recorded
or monitored. By using such communication
methods you are consenting to the recording or
monitoring of the same for security and training
purpose and to fulfil training plus compliance
procedures.
Guidance on How to cancel: Consumer may
have a statutory right to cancel this policy
within a short period. Please refer to your
policy summary or your policy document for
further details. If you cancel you will receive
a pro rata refund of premium from the insurer.
Insurers are also entitled to make an
administrative charge which can be £25 - £35.
Company may keep an amount that reflects the
administrative costs of arranging and cancelling
the policy.
If
the Consumer desires to cancel outside this
cancellation period you may not receive a pro
rata refund of premium. Company may also keep an
amount that reflects the administrative costs of
arranging and cancelling the policy.
Cancellation Rights (Consumer Clients only):
For general insurance products the Consumer has
a right to cancel a policy within 14 days of
conclusion of the contract or receipt of the
policy terms and conditions whichever is the
later. If cancellation notice is received in
writing the date of cancellation will be taken
as the date of despatch else it will be taken as
the date of receipt. Company suggests refer to
the insurers policy wording for full details on
how to cancel and what you may have to pay.
Termination of Contract - General Insurance
Products: For general insurance products
You, or We, may terminate our authority to act
on your behalf at any time, without penalty.
Notice of this termination by either party must
be given in writing
Company Charges: Company are remunerated
arranging Consumer insurance by the insurer and
will disclose the amount, if asked. Unless we
state in our documentation, or agree separately
with you, no fees or service charges are payable
in addition to your insurance premiums. However,
Company does reserve the right to make an
administration charge of no more than £25 for
issuing the following documentation: Replacement
policies or certificates in the event of the
loss or misappropriation of the original
paperwork & Copy policies or certificates
requested by other parties, such as solicitors
or banks. In the event of a policy being
cancelled mid term, and not replaced by another
policy, we may deduct our commission from any
premium rebated by the insurers to cover
administration cost
Consumer
Client Money:
Client or Consumer money is money of any
currency that we receive and hold in the course
of carrying out insurance mediation on behalf of
clients. We only hold client monies via 'Risk
Transfer Authority' by any relevant insurers. We
do not hold authority to hold Client monies via
the FSA. with regards to certain insurers
Company agency agreement with them allows us to
hold the premiums you pay. In relation to retail
customers, it is deemed the Company has your
consent that any interest or exchange gain
earned on client money we hold, will be retained
by us if and when this eventuality occurs. The
Company may transfer client money to another
broke or agent for the purpose of effecting the
transaction where the Company has utilised
another broker to place the insurance on your
behalf.
Consumer Methods of Payment: Company or its
agents are responsible for issuing invoices
detailing the premium, taxes and fees (if
applicable) for all new and renewals and mid
term alterations. Consumers are responsible for
paying promptly all invoices to enable us to pay
your insurer in respect of your insurances
within the credit terms imposed upon us by
insurers. Please note that we have no obligation
to fund any premium, taxes or fees (if
applicable) on your behalf and we have no
responsibility for any loss you may suffer as a
result of insurers cancelling the insurance or
taking any other prejudicial steps as a result
of late payment where it is substantially
attributable to you.
We normally accept payments by cheque. It may be
possible to spread payments through a insurers'
instalments schemes or the credit facility
arranged with a specialist premium finance
provider, and also via Credit Card payments
Personal clients may also be able to pay by
credit card or Debit Card (but the card holder
may charge a administration fee which is beyond
our control)
Return of Consumer Monies: Return premiums
usually arise if an insurance risk is reduced,
or policy cancelled but administration fees of
up to £35 may be retained via the Companies
discretion. Other Taxes and Costs May Exists.
Other Taxes and Costs May Exist in relation to
the products and services offered which are not
implemented by the Company
Complaints: Company desire is to provide
a high level of service at all times. If,
however, you have reason to make a complaint
about our service you should contact the
Compliance Officer in writing at the above
address or by telephoning 0845 4860786. You may
be entitled to refer it to the Financial
Ombudsman Service. You can contact the Financial
Ombudsman Service by telephone on 0845 080 1800
and further information is available at: http://www.financial-ombudsman.org.uk/
. However if you do decide to refer any matter
to the Financial Ombudsman Service your legal
rights will not be affected. But before reaching
to this stage we will address any problems or
difficulties in an amicable manner, as a Company
we value you as Consumer, and are concerned on
making your relation with Company beneficial and
enjoyable. At times matters may not run to
course, or errors or service delivery falls
short of our high standards, and seek to address
any issues, and seek to improve our systems and
procedures on a continual basis.
Complaints Procedures.
Complaints, whether verbal or written, will
normally receive a full written response within
28 working days. If additional information, or
consultation with a third party is necessary,
the complaint will be acknowledged in writing
within 5 working days and will include an
indication of the time anticipated to provide a
full response.
If the nature of your complaint makes it more
appropriate, Company will refer it to an
independent specialist for investigation within
10 working days and will advise the Consumer in
writing of the fact.
All complaints should be resolved satisfactorily
within 28 working days and preferably much
sooner - unless Company is awaiting information
from a third party to resolve any matter. In
such a case you will be informed for possible
delays.
Company will write to you, in plain English,
once the Company has completed its investigation
into the Consumer complaint, explaining Company
findings and how the Company reached my
decision/suggested course of action regarding
the complaint the Consumer made.
In the event you are not satisfied with the
treatment of the Consumer complaint, Consumer
can complain to the Financial Ombudsman Service.
The details of the procedure and the Ombudsman's
address will be supplied to you at that time, or
at the Consumers earlier request.
The Company maintain Professional Indemnity
Insurance for the Consumers protection. If the
Consumer make a valid claim against us in
respect of any FSA authorised and regulated
activity Company are registered, if the Company
are unable to meet our liabilities in full, you
may be entitled to readdress through the
Financial Services Compensation Scheme (FSCS).
Details of the cover provided by the scheme are
given in a leaflet which we will send to you at
your request. Further information is available
from FSA and the FSCS.
IMPORTANT: Where loans and insurance products
are not regulated by the Financial Services
Authority (FSA) the above complaints process may
not be applied, and will be at the discretion of
the proprietor of Independent Financial Services
(GB)
Company Compensation arrangements:
Company are members of the Financial Services
Compensation Scheme. You may be entitled to
compensation from the scheme if we cannot meet
our insurance obligations. This depends on the
type of business and circumstances of the claim.
Insurance advising and arranging is covered for
100% of the first £2000 and 90% of the remainder
of the claim, without any upper limit. For
compulsory classes of insurance, insurance
advising and arranging is covered for 100% of
the claim, without any upper limit. Further
information about the compensation scheme
arrangements is available from the FSCS on 020
7892 7300 or by visiting http://www.fscs.org.uk/
How to claim on your insurance Policy:
Please refer to your policy summary or your
policy document if you need to notify a claim.
You should contact the insurer direct as soon as
possible using the contact details provided. If
in doubt about whom you should contact, please
contact by e-mail 'info@ifs.gb.com' or write to
the address below
Website Analysis: When you visit our
company websites, a certain amount of
information is retained regarding the event to
enable us to understand the profile of our
visitors, security and processing and the
Consumers consents to retention of this
information.
Security: At Independent Financial
Services (GB) we take security and protection
measures as vital to not only safe guard our
interests but that of our clients. We have
sophisticated firewalls in place to safeguard
clients personal data from third party
unauthorised access. We take reasonable
precautions to protect your security, but cannot
take responsibility for hacking, viruses, and
cookies, and other activities that compromises
our security and is beyond our control
Zero Tolerance:
Company have zero tolerance to abusive,
threatening, aggressive and unreasonable
behaviour to members of staff belonging to
Independent Financial Services (GB), we reserve
the right to cease trading activity with any
client in any stage of our relationship with you
or related parties. A written notice will be
sent for zero tolerance activities and company
principals decision will be final and non
negotiable. This applies to general insurance
products and secured / unsecured loans.
Non Regulated FSA Activities: Independent
Financial Services (GB) also engage in
intermediary activities for products and
services NOT regulated by the Financial Services
Authority. You will not be afforded protection
or compliance for such business under the FSA,
FSCS and FSO. For further information visit for
regulated activities www.fsa.gov.uk. For example
in the case of certain commercial loans and
unsecured loans Independent Financial Services
(GB) act only as an introducer to product
providers, and NO advise is given. Only generic
information. Therefore suitable professional
advise should be obtained before progressing, as
no liability will be taken what so ever.
Consent to Consumer Contact: For any
client to contact Independent Financial Services
(GB) is on the basis the terms of business have
been read and agreed, and allow us to contact
the clientGeneral Insurance:
IF
YOU SUBSEQUENTLY CEASE TO PAY PREMIUMS ON AN INSURANCE POLICY AND,
in consequence, we
are obliged to refund any commission paid,
WE RESERVES THE RIGHT TO CHARGE YOU A FEE, BUT NOT IF YOU EXERCISE
YOUR RIGHT TO CANCEL THE POLICY IN
ACCORDANCE WITH THE CANCELLATION NOTICE SENT
TO YOU BY THE PRODUCT PROVIDER.
Material
Facts: Disclosure:
All material facts must be disclosed both
to the insurer, lender and Independent
Financial Services (GB) in initial Fact
Find in determining suitability of a product,
and in any application forms. We act in good
faith in acting for you, but if you with-hold
relevant information / material facts resulting
in your application aborting or you cancel
or cease to proceed without good cause,
we reserve the right and at our sole & exclusive
discretion to charge you on an hourly rate
(@ £45.00
per hour) for time expended on your file
/ application. Full details available upon
written request. We entertain serious enquiries
only, our time and resources are limited,
and for clients who value our quality service
delivery. If you seek to purchase or remortgage
a property and cannot find i.e. a Deposit,
Stamp Duty, Legal Expenses etc. and your
application aborts, you will be charged
for full any subsequent losses we occur.
If you cannot afford insurance premiums
or mortgage payments, please do not proceed
as you may be at risk.
Severance: The court may strike out or
override any part of these Terms and Conditions,
which it considers unfair, unreasonable, invalid
or unlawful (whether an entire clause or only
part of one) and in such cases enforce these
Terms and Conditions as if the offending part
had never been contained in it. The paragraph
headings are for information only, and do not
form part of these Terms and Conditions.
Law and Jurisdiction: This Terms of
Business agreement sets out the terms of our
relationship with you and is governed by and
construed in accordance with English Law and any
dispute arising under it shall be subject to the
exclusive jurisdiction of the English Courts and
specifically Leeds Courts of justice. Unless
otherwise agreed between us in writing no term
of this agreement is enforceable under the
Contracts (Rights of Third parties) Act 1999.
For the avoidance of doubt, the limit of the
Company's liability will be limited to 1,000,000
in any one circumstance.
Start
of Cover: Insurance Cover or property loans or finance
will not comence until fully Under-written
and accepted by the product provider - receipt
of payment does not mean insurance cover has
commenced. As at time onine sales credit card
payments can be debited at time of orde. But
in the event cover is declined or terms amended
you will be provided with a full refund. Plus
you have 14 days cooling down period, after
purchase you can cancell subject to no Claims
being borne.
For the Companies protection
and training purposes, telephone calls may
be recorded or monitored.
Think Carefully Before Securing Other Debts
Against Your Home. Your Home May be Repossessed
If You Do Not Keep Up Repayments on Your
Mortgage Or any Other Debt Secured On It
Independent Financial Services (GB) is
authorised and regulated by the Financial
Services Authority |
