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Mortgage protection
protection insurance privacy policy
Please
read Terms of Business & Conditions in the use of
Use of this website
www.mortgageinsurance.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.
540351. 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.mortgageinsurance.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.
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 4860
786. 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 client.
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.
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 |
