Our firm Independent Finacial Services (GB) 10 Preston New Road Blackburn BB2 1AW is registered with the Mortgage Code Register of Intermediaries and our registration number is 5645872 Appointed Representatives of East Mount Mortgages. Consumer Credit License no. 54035. Data Protection no. Z8277628. For general insurances we act as Appointed Representatives for Ceta, CetaLife, Payment Shield ( and other carriers for general insurance).

Mortgage Code

Independent Financial Services (GB) are a registered mortgage intermediary for the purposes of the Code of Mortgage Practice. This means that we are required to act in a certain manner when dealing with you. The contents of this letter are intended to set out these requirements.

Status

We are not the appointed agent of any mortgage lender. Therefore, we only act on your behalf. We arrange mortgages from the market as a whole.

Level of Service

Under the terms of the Code, there are three levels of service available. These are:

1. Full advice & recommendation
2. Information on different types of mortgage products available to allow you to make a choice; or
3. Information on a single product only where no advice is given.

We offer a full advice and recommendation service in all cases in order that we can make an informed decision with you about the choice of your new mortgage. Once we have made our recommendation to you, we will confirm our advice in writing.

Fees

When we receive a fee from the lender for placing your mortgage, we will tell you in writing. If the fee is less than £250, we will confirm that we will receive up to this amount: if the fee is £250 or more, we will tell you the exact amount.

We will tell you the charges for any other service or product before or when it is provided or at any time you ask.

Our Dealings With You

All written terms and conditions will be fair in substance and set out your rights and responsibilities clearly and in plain language, with legal and technical language used only where necessary.

ConfIdentiality

We will treat all your personal information as private and confidential (even when you are no longer a customer), except where disclosure is made at your request or with your consent in relation to arranging your mortgage.

We will explain that you have a right to access under the Data Protection Act 1984 to your personal records held on our computer files.

Complaints

You should address any complaint, in the first instance, to ourselves. We have intemal procedures for handling complaints fairly and speedily and will tell you what these are.

These will include:
1. Establishing a set time for an initial acknowledgement;
2. Advising how long it may take us to respond morefully; and
3. What to do if you are not happy about about the outcome
We will help you with any queries

We are members of the Mortgage Code Arbitration Scheme and the Rules of that Scheme are available on request. The arbitrators are available to resolve certain complaints made by you if the matter remains unresolved through our internal complaints procedure.

The address of the Scheme is:

The Mortgage Code Arbitration Scheme
The Chartered Institute of Arbitrators
24 Angel Gate
City Road
London EC1V 2RS
Tel: 0171 8374483

Monitoring & Compliance

We have a Code Compliance Officer and our intemal auditing procedures will include monitoring compliance with the Code.

The Mortgage Code Register of Intermediaries keeps a list of mortgage intermediaries that have undertaken to comply with the Code. The address is:

Mortgage Code Register of Intermediaries
Festival Way
Festival Park
Stoke-on-Trent
Staffs ST1 5YA
Tel: 01782 216300

Complaints concerning the general operation of the Code by mortgage intermediaries can be made to them.

More general complaints concerning the operation of the Mortgage Code can be made to the Independent Review Body for the Banking and Mortgage Codes (comprising representatives from the banks, building societies and independent consumers) The address is:

Pinners Hall
105-108 Broad Street
London EC2N 1 RX
Tel 0171 216 8800

Privacy Policy & General Terms of Business

CorporateMortages observes the highest standards of practice in all activities, and in line with this, we treat all matters of 'Privacy', 'Security', and 'Complaints' procedure very seriously. As a company we harbour a culture of satisfying clients to establish long term relationships based on quality products at keenest prices.

Privacy policy - Data Protection

Personal details provided through this website will only be used by Independent Financial Services (GB) and the product provider, from which you may purchase through this site in accordance with the privacy policy shown below.

By providing your personal details to us you consent to its use in accordance with our privacy policy. This privacy policy only covers Independent Financial Services (GB) and Company Websites and does not extend to other websites that are linked to our websites, which we cannot control.

Privacy Policy

This website is used to inform you of the services we offer. In order that Independent Finnacial services (GB) can conduct their professional duties in relation to financial products that the client requires, through this website we need to collect and process personal information about you, for example your name, home and email addresses and telephone number etc. In order to provide you with a quotation, information may include information about your previous unspent convictions (that is if you have any!). We will ask you for this information on our website. We also need to disclose such information to the product provider available through this website so that they can decide whether to offer you for example insurance or not, and if so on what terms. Note, we will not disclose any information which could identify you personally without your permission unless we are legally entitled or required to do so (for example, if required by Court Order or for the purposes of prevention of fraud or other illegal activity).

The law requires Independent Financial Services (GB) to have your consent before we use any personal information. You will be treated as having given your permission for the processing of personal information relating to you (including the disclosures) referred to in this privacy policy. You must therefore agree with us that:

• Any information we hold about you (or group) can be held on computer and / or paper files.
• Any information, which you give us, including sensitive personal data such as health and medical records will only be disclosed to appropriate parties for the purposes of finding the best or most suitable product for you in processing your proposal/application form.
• We may disclose information held about you to insurance companies and other product providers, and anyone third parties we may use to process your application on your behalf.
• Although we will try to obtain the most competitive product for you, we will not send your personal details outside the EEC, Channel Islands or The Isle of Man.

We (and any third party to whom we have passed your information with your consent) may use this information to contact you part of general marketing to inform you of new products or services by post, e-mail, fax, or telephone.

We agree that you may withdraw any consent given by you at any time by contacting,The Data Protection Officer at Independent Financial Services (GB). Where we or associated companies will not use clearly identifiable personal information for marketing or promotion. If, however, you have been a customer of ours then both we and the relevant product provider may continue to process data for the purpose of processing and administrating information for any existing policies or contracts purchased via the means of this Website that are currently in force or reasonable period after expiry.

Website Analysis

When you visit our website, a certain amount of information is retained regarding the event to enable us to understand the profile of our visitors.

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 beyond our control.

Execution Only Service

Execution business is transacted at the sole discretion of the Principals of the company, we have the right to reject any offer, this is non - negotiable and final. We attempt to offer savings to clients, events outside our companies or associates control, we cannot be held responsible.

Termination of Contract

You, or we, may terminate our authority to act on your behalf at any time, without penalty. Notice of this termination must be given in writing.

We also have zero tolerence 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. A written notice will be sent for zero tolerence activities and company principals decision will be final and non negotiable.

Fees and Charges

We derive income from commission paid to us in respect of transactions in i.e. life assurances, assett protection insurances health care Insurances, and loans. and other. You will receive from the product provider, or from us, information about the commission we receive. We will advise you of the amount of commission payable to us from the product provider we have arranged for you. If we receive a commission or other form of benefit from another intermediary or business associate, we will not inform you.

You will be requested to sign a separate fee agreement detailing the scale of fees chargeable and the maximum amount of any such fee and of the latest date payable. Without which a fee cannot be charged. Fees for certain types of contract may be payable in place of, or together with commission. If we propose to do so for any reason, we will notify you in writing before we carry out any chargeable work, explaining how the fee will be calculated and applied.

IF YOU SUBSEQUENTLY CEASE TO PAY PREMIUMS ON A 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.


www.MedicalBrokers.co.uk
Tel. O870 0114158