MortgageSaverCentre.com
Privacy Policy
Welcome to MortgageSaverCentre.com, which has been established for informational purposes only and does not construe the giving or selling of financial advice or financial products. This section explains our policy regarding any information that is given on the site, or which you may access via third party links on the site.
The owners of MortgageSaverCentre.com take the privacy of its users seriously. We are committed to safeguarding the privacy of our users while providing a personalised and valuable service.
Our site contains links to third party sites, which are not subject to this privacy policy. We recommend that you read the privacy statement of any such sites that you visit. These sites are not owned, operated, controlled or reviewed by the owners of MortgageSaverCentre.com and are provided as a courtesy. MortgageSaverCentre.com does not control these external websites and does not warrant or guarantee the accuracy, timeliness, or nature of the content of third party websites.
This privacy policy is not intended to, and does not create any contractual or other legal rights in or on behalf of any party.
Internet Privacy
Collection of Information
In order to provide the services you want, and to allow you to experience a more personalised service when you revisit us, we need to know your interests. We find these out by asking you, by reading your comments and by looking at which are the most popular areas of our sites.
Collection of Personal Information
We will only collect personal information from you (such as name, address, telephone number, email address etc), which you have provided voluntarily to us either by completing registration or enquiry forms or sending emails to us. Please do not submit your personal data to us if you do not wish us to collect it. We will only use this data for the purposes you have expressly authorised or as set out in this privacy policy and will not pass it to third parties without your consent.
Examples of where we may collect your personal information include (without limitation):-
• If you enter a contest or promotion we ask for your name, address and e-mail address
• This is so we can run the contest effectively and tell you if you have won
• If you use our "Mail to a friend" service, we ask for the friend's name and email address. We then send an automatic, one-time e-mail inviting your friend to visit us. Details of this transaction are stored only to send that one-time e-mail or to track complaints of mischievous use
• Submitting an enquiry to an agent or joining a mailing list
Collection of other Information
In addition to asking you to submit personal information, we may collect information about you automatically when you visit the site. The collection of information may involve the use of cookies and web beacons. A web beacon is a small graphic image placed on a web page that is designed to allow us to monitor visitors to our site. A cookie is small text file that is placed on your computer's hard drive by your web browser when you first visit our site. The cookie allows us to identify your computer and find out details about your last visit. Most internet browsers accept cookies automatically, but usually you can alter the settings of your browser to erase cookies or prevent automatic acceptance if you prefer. If you choose not to receive our cookies, we cannot guarantee that your experience with our website will be as quick or responsive as if you do receive cookies. To delete a cookie In Internet Explorer, on the Tools menu, click Internet Options. On the General tab, click Settings, and then click View files. Select the cookie you want to delete, and then, on the File menu, click Delete.
The information collected by cookies and web beacons is not personally identifiable, it includes general information about your computer settings, your connection to the internet e.g. operating system and platforms, IP address, your browsing patterns and timings of browsing on our website and your geographical location.
Use of Your Information
You agree that we may obtain, hold, correlate, merge and use your information (including personal information) for the purpose of providing you with our services and ancillary services and for our internal business purposes. These include (without limitation):-
• personalising your visits to the site and developing the design and style of the site to improve our services to you;
• to inform you about the latest changes to our website, or products, services or promotional offers that you might find interesting;
• communication (and personalising such communication) with you from MortgageSaverCentre.com™, from other MortgageSaverCentre.com group companies and from other reputable and trustworthy third parties (if you have agreed to such);
• informing you if you have been successful in any of the competitions or promotions;
• compiling customer reviews;
• for market research purposes;
• to prevent you from posting illegal, offensive or objectionable comments on our sites;
• to enable third parties to carry out statistical analyses’, technical, logistical or other functions on our behalf including determining behavioral preferences to manage online advertising;
• for strategic development;
• for any purpose required by law or regulation;
• for accounting purposes;
Sharing Information
We may disclose your information to any company within the MortgageSaverCentre.com group of companies by means of a centralised database to which all companies have access or by means of a direct transfer of data from one office to another.
We may provide third parties, at our discretion, with certain aggregate statistical data about your use of our websites, which data may include demographic data such as age range and/or geographic location of groups of user. It will not include information that could personally identify you.
With your consent, we may supply personal information to third parties. You will be given the chance to refuse consent if the information will be used for this purpose.
We reserve the right to access and to disclose personal information to comply with applicable laws and lawful government requests or requests by applicable regulatory bodies, to operate our systems properly or to protect either ourselves or our other users.
We may transfer, sell or assign any of the information described in this policy to third parties as a result of a sale, merger, consolidation, change of control, transfer of assets or reorganisation of Associated.
You consent to the transfer of your personal information outside of the USA, European Economic Area (which may not provide the same protection for such information as the United Kingdom provides) in the event that the processing of your information involves such a transfer.
Monitoring Emails
We may monitor and keep records of email communications which you send to us and other communications with you in accordance with this policy and our other business interests.
Safeguards and Security
No data transmission over the internet can be entirely secure, and therefore we cannot guarantee the security of your personal information and/or use of our sites. However we use our reasonable endeavors to protect the security of your personal information from unauthorised access or use.
Changing or Accessing Your Information
Should your personal information change (e.g. your postcode), or if you no longer wish to receive newsletters or services you have signed up for, or if you wish to review or receive copies of the personal information we hold about you, or have any other queries please email us including full details of your request.
You may at anytime request access to all personal information we hold on you. We will provide this information within 90 days of a written request for a small administrative charge.
We are not liable for the policies on third party sites that you might access via links on MortgageSaverCentre.com™, nor are we liable for any breach of confidentiality on the part of third party sites.
Articles and Information
We have done out utmost to ensure the integrity of the articles that we publish and the sites that we recommend. Visitors to this site follow the advice given in articles and visit third party sites at their own risk. Under no circumstances, including, but not limited to, negligence, shall the owners of MortgageSaverCentre.com be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, or that of a third party site.
Restrictions on Use of Material
No material from MortgageSaverCentre.com may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download the materials on any single computer for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices.
Modification of the materials or use of the materials for any other purpose is a violation of copyright and other proprietary rights.
Security
Our site has security measures in place to protect the loss, misuse and alteration of the information under our control.
Unauthorised use, tampering with or modification of this system may violate federal or other statutes and may subject the violator to criminal and civil penalties. In the event of unauthorised intrusion, all relevant information regarding possible violation of law may be provided to law enforcement officials.
ADDENDUM
Access to or use of MortgageSaverCentre.com Web Site also constitutes consent to the following terms:-
In compliance with the Children's Online Privacy Protection Act (COPPA) we do not seek information from children 13 and under.
Please note that the MortgageSaverCentre.com Web Site is for authorised use only. Unauthorised access or use is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec 1001 and 1030.
