PRIVACY POLICY
Please read this Privacy Policy carefully as once you use our website and services you will be regarded as having read and accepted this Privacy Policy. You must not use our website or our Services if you do not accept this Privacy Policy.
In this privacy policy references to “we”, “us” and “our” are to McLean Kelly. References to “our Website” or “the Website” are to www.mcleankelly.co.uk and www.mortgageagency.co.uk
YOUR PERSONAL INFORMATION AND DATA PROTECTION
You can visit us online without providing any personal information. All organisations that collect and process data are covered by the Data Protection Act 1988 and your information will be kept in accordance with the requirements of this Act. For more information on the Data Protection Act, please visit their website: www.ico.gov.uk. We would like to make it clear that we treat the information you give us with great care and keep it as secure as possible. Our security procedures mean that we will request proof of identity and residency before we are able to disclose sensitive information to you. By “your information” this means your personal and financial information. The majority of information held is stored electronically and when it is not in use, it is stored in a safe. Hard copies that have been placed onto the electronic system, are then shredded. Should we visit you and put the information you provide onto a laptop, it is taken off on our return to the office and then placed onto a more secure electronic system. All laptops are password protected.
We will treat all your personal information as private and confidential (even when you are no longer a customer) except when the law requests it; when disclosure is made at your request and consent in relation to your request. You have the right to inspect any documentation we hold in respect of our dealings with you. There will be a £10 charge for this request. Requests must be put in writing with a certified copy of your ID and Proof of Residency. This documentation will be sent to you no later than 40 days following receipt of your request and a cheque for £10.00, which must be delivered by post to our address :-
The Data Protection Officer
McLean Kelly
P O Box 779
Richmond
TW9 1TS
CREDIT SEARCHES
For mortgage applications and other financial services, lenders will carry out a Credit Search from a Credit Reference Agency (usually Equifax or Experian) which will leave a recorded search on your credit file. Multiple searches may adversely affect your credit profile and may make credit harder for you to obtain. Information held about you by a credit reference agency may already be linked to records relating to another person that you are linked to i.e. a partner or spouse or other members of your household. Information can also be taken from the following organisations:-
- The Electoral Register at Local Authorities
- County Court Judgements from Registry Trust.
- Bankruptcy information from the Insolvency Service.
- Fraud information from fraud prevention agencies.
A mortgage lender or other financial services provider does not need to tell you why you have been refused or mortgage or other loan. To obtain your own credit file, the following credit reference agencies are as follows and lenders will use one of these:-
Experian Ltd
Consumer Help Services
PO Box 7710
Nottingham
NG80 7WE
www.experian.co.uk
Equifax plc
Credit File Advice Centre
PO Box 1140
Bradford
West Yorkshire
BD1 5US
www.equifax.co.uk
Call Credit Ltd
Consumer Services Team
One Park Lane
Leeds
LS3 1WZ
Telephone: 0870 060 1414
www.callcredit.co.uk
COUNCIL OF MORTGAGE LENDERS REPOSSESSION REGISTER
The Council of Mortgage Lenders Repossession Register is available to its members through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register.
KEEPING YOUR INFORMED ABOUT NEW PRODUCTS OR SERVICES
We would like to keep you informed by email, telephone call or post about new products or services which may be of interest to you, or our newsletter. If you do not wish to receive notifications of this nature, please let us know, however, in opting out, you may be missing out on a valuable product or service.
ABOUT THIS WEBSITE
This website is owned by McLean Kelly and is protected by copyright and database rights therefore you shall not copy or exploit any information.
LINKS
This privacy policy only covers this website. Any links on this website will each have their own privacy statement, which may differ from ours. Therefore please ensure, when you click on any of our links, that you read the privacy statement located on the website you have selected. Any websites connected with this site are not within our control.
COOKIES
We do not use Cookies and therefore cannot identify you on any subsequent visits that you may make to the website which means that you will have to re-enter any required information onto enquiry forms.
ONLINE SECURITY
The internet is accessible to anyone and it is impossible to totally protect against abuse by third parties or the introduction of a virus onto the system, therefore, you must install your own security and virus checking software
SERVICE
We cannot guarantee to provide and maintain the services continuously without faults, however, where possible, we will repair or carry-out maintenance work with minimum disruption.
We try our hardest to get everything right, however, we cannot accept liability for any errors or omissions. If you think we have made errors, please let us know by email enquiries@mcleankelly.co.uk or write to us at:-
McLean Kelly
P O Box 779
Richmond
Surrey
TW9 1TS
Telephone: 0800 916 9886
PRODUCTS AND QUOTATIONS
The information on this website is not intended to promote any specific product or provide advice. You will need to speak to an adviser before being recommended any product or service and following completion of a Fact Find and signed Declaration, giving us your permission to discuss your personal requirements with any provider of products or services. It is your responsibility to answer all questions honestly and correctly and to disclose anything you think we should know. Please contact us at the same address if you have any reason to believe the data we hold on you is inaccurate.
EXECUTION ONLY
We prefer to conduct all our business on an advised basis, however, Execution Only may be your requirement and this means choosing a product yourself. For execution only transactions, you will not have received advice from us on the suitability of any product or service, therefore, it is your responsibility to check all the details for its suitability and your eligibility.
COMPLAINTS
Our aim is to provide you with a first-class professional and confidential service, however, should a complaint arise, you should contact us at our office address by post to:-
McLean Kelly
P O Box 779
Richmond
Surrey
TW9 1TS
Telephone: 0800 916 9886
Email: enquiries@mcleankelly.co.uk
Your letter will be acknowledged within 21 days following receipt of your letter or email and we will then ask for the full details concerning your complaint. Following receipt of this, we will do our best to resolve the complaint and will update you on the progress of your complaint. If you are still not satisfied, you may be entitled to refer your complaint to the Financial Ombudsman Service who may be contacted at:-
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 0845 080 1800
Email: enquiries@financial-ombudsman.org.uk
McLean Kelly is authorised and regulated the Financial Services Authority (FSA) and our registration number is: 314183 which can be checked on the FSA’s website. The FSA’s address:-
The Financial Services Authority
25 The North Colonnade
Canary Wharf
London
E15 5HS
Telephone: 020 7066 1000
Website: www.fsa.gov.uk
THINK VERY CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE AND ANY LOAN SECURED AGAINST IT.