Legal & Privacy - Terms and conditions
This page contains legal and privacy policy information to help you better understand how Positive Finance Ltd ensures your privacy and confidentiality are respected.
As a principal lender we only provide information on our own mortgages to enable applicants to make the right choice for them. Written quotations are available on request. Mortgages or secured loans (bridging loans) are subject to satisfactory valuations and our lending policy.
Legal Information
General
This web site (the "Site") is owned by Positive Finance Ltd and any access to this Site is governed by these terms and conditions. If these terms and conditions are not accepted in full, you do not have permission to access this Site and therefore should cease using the Site immediately. If there is any conflict between these terms and conditions and rules and/or specific terms of use appearing on this Site relating to specific material then the latter shall prevail.
Intellectual Property
All copyright, database rights and other intellectual property rights in the material on this Site (the "Content") belong to Positive Finance Ltd or its licensors. Individuals who access and/or use this Site will not obtain intellectual or other proprietary rights in the Content. You may print or download to a local hard disk Content from this Site for your personal use only. You may not otherwise copy, distribute, sell or publish any of the Content of the Site without prior written permission.
Liability
We make no representations, warranties, or assurances as to the accuracy, currency or completeness of the information provided on this website. Positive Finance Ltd its directors, employees, representatives or agents shall not be held liable for any damages from your reliance on any information provided on this internet site.
Jurisdiction
These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising here from shall be exclusively subject to the jurisdiction of the courts of England and Wales.
How we may use your data
By entering Your User Information, You accept that we may retain Your User Information and that it may be held by Us or any third party company which processes it on Our behalf.
We shall be entitled to use Your User Information for the following purposes:
1. market research, including statistical analysis of user behaviour which we may disclose to third parties in depersonalised, aggregated form.
2. in order to enable Us to comply with any requirements imposed on us by law.
3. in order to send You periodic communications (this may include e-mail), about features, products and services, events and special offers. Such communications from Us may include advertising for third party companies or organisations.
For your convenience you can withdraw consent by emailing info@positive-finance.co.uk.
Please also note that we do not disclose your personal information to third parties to enable them to send you direct marketing without your permission to do so.
Privacy policy
Positive Finance Ltd will process personal data relating to customers as described below. We will not use your personal data in any other way without informing you.
We will collect information which you provide to us when you enquire about or apply for finance. We will use your personal data for the purpose of considering and administering an application for finance with Positive Finance Ltd.
It is important that you provide us with accurate information. We may check your details with fraud prevention agencies if you provide false or inaccurate or misleading information information or we suspect fraud this information may be recorded and shared with other organisations.
We may disclose your data to other legal authorities if required by law. Positive Finance Ltd may use the information collected to obtain credit searches which will be recorded and disclosed on any future searches carried out by other companies. We never disclose information about a customer to any other person or organisation without your consent unless there is an emergency situation that requires it or we are legally required to do so.
In order to comply with our obligations under the Data Protection Act we also follow strict security procedures in the storage and disclosure of information which you have given to us, to prevent unauthorised access to that information. Your details will be held on computer.
You can ask for a copy of the information we hold about you by writing to us. A fee will be charged for this service.
Your consent
In using this web site, you consent to the collection and use of this information by Positive Finance Ltd in the ways described above. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and in what circumstances we disclose it.
Please be aware that calls may be recorded for training and monitoring purposes.
