Privacy Policy

What is this Privacy Policy for?

This privacy policy is for this website [www.mortgageshield.co.uk] and served by Mortgageshield and
governs the privacy of its users who choose to use it.
The policy sets out the different areas where user privacy is concerned and outlines the obligations
& requirements of the users, the website and website owners. Furthermore the way this website
processes, stores and protects user data and information will also be detailed within this policy.

The Website and Advice
This website and its owners take a proactive approach to user privacy and ensure the necessary
steps are taken to protect the privacy of its users throughout their visiting experience.  This website
contains general advice only and does not take into account your financial circumstances, needs and
objectives. Before making any decision based on this information, you should assess your own
circumstances or seek advice from, but not limited to, a financial adviser, accountant, solicitor, or
other applicable professional. You should obtain and consider a copy of the relevant Key Features
Information document (KFI) or offer document available from us or your financial adviser, before
you acquire a financial product.
The content of this website is not intended to represent or be a substitute for specific taxation or
legal advice and should not be relied on as such. If you intend to rely on any of the information in
this website to satisfy liabilities or obligations or claim entitlements that arise, or could arise, under a
taxation or other law, you should obtain advice from a registered tax specialist or lawyer. Any
taxation, legal and other matters referred to on this website are based on United Kingdom national
laws.  interpretation of existing laws and should not be relied upon in place of appropriate
professional advice. Those laws may change from time to time.  The content of this wesite is aimed
at United Kingdom Residents.
While Mortgageshield, has taken all reasonable care in producing the information on this website,
Mortgageshield., makes no representations in respect of, and, to the extent permitted by law,
excludes all warranties in relation to, the accuracy or completeness of the information.
Mortgageshield, its officers, employees, directors and contractors exclude all liability whatsoever for
any loss or damage, howsoever arising out of reliance, in whole or in part, on the information.

Use of Cookies
This website does not use cookies.
Cookies are small files saved to the user’s computers hard drive that track, save and store
information about the user’s interactions and usage of the website. This allows the website, through
its server to provide the users with a tailored experience within this website.
This website does not use tracking software to monitor its visitors.

Other cookies may be stored to your computers hard drive by external vendors when this website
uses referral programs, sponsored links or adverts.

Use of Personal Data.
Because we hold personal information about you, the Data Protection Act ensures we will not use
your personal details in any way that you do not agree with.  Users contacting this website and/or its
owners do so at their own discretion and provide any such personal details requested at their own
risk.  We will treat all of your personal information as private and confidential. In order to process,
record and use your personal information, we may disclose it as permitted:

Where we are legally compelled or have a legal duty ro do so.
To associated companies of Mortgageshield.co.uk and other third including lenders and insurance
companies to offer and.or provide a service to you.
Where it is required to administer your business.
Where disclosure is made at your request or with your authority.
Your personal information is stored securely until a time it is no longer required or has no use, as
detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure
form to email submission process but advise users using such form to email processes that they do
so at their own risk.

Access to personal data

The Data Protection Act 1998 provides you with the right to request copies of all the information a
firm, such as Mortgageshield.co.uk Ltd holds about you. This is known as a Data Subject Access
Request (DSAR). In order to make a DSAR you will need to put your request in writing to the Data
Protection Officer at the above address and enclose a fee for £10 (cheques made payable to
Mortgageshield.) and a certified copy of some form of valid, photographic identification.  If you
simply want to request a copy of a document please contact your Mortgageshield representative in
the first instance.

This website and its owners use any information submitted to provide you with further information
about the products / services they offer or to assist you in answering any questions or queries you
may have submitted. This includes using your details to subscribe you to any email newsletter
program the website operates but only if this was made clear to you and your express permission
was granted when submitting any form to email process. Or whereby you the consumer have
previously purchased from or enquired about purchasing from the company a product or service
that the email newsletter relates to. This is by no means an entire list of your user rights in regard to
receiving email marketing material. Your details are not passed on to any third parties.

Email Newsletter

This website operates an email newsletter program, used to inform subscribers about products and
services supplied by this website. Users can subscribe through an online automated process should
they wish to do so but do so at their own discretion. Some subscriptions may be manually processed
through prior written agreement with the user.

Subscriptions are taken in compliance with UK Spam Laws detailed in the Privacy and Electronic
Communications Regulations 2003. All personal details relating to subscriptions are held securely
and in accordance with the Data Protection Act 1998. No personal details are passed on to third
parties nor shared with companies / people outside of the company that operates this website.
Under the Data Protection Act 1998 you may request a copy of personal information held about you
by this website's email newsletter program. A small fee will be payable. If you would like a copy of
the information held on you please write to the business address at the bottom of this policy.

Email marketing campaigns published by this website or its owners may contain tracking facilities
within the actual email. Subscriber activity is tracked and stored in a database for future analysis and
evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the
clicking of links within the email content, times, dates and frequency of activity [this is by no far a
comprehensive list].
This information is used to refine future email campaigns and supply the user with more relevant
content based around their activity.

In compliance with UK Spam Laws and the Privacy and Electronic Communications Regulations 2003
subscribers are given the opportunity to un-subscribe at any time through an automated system.
This process is detailed at the footer of each email campaign. If an automated un-subscription
system is unavailable clear instructions on how to un-subscribe will by detailed instead.

External Links
Although this website only looks to include quality, safe and relevant external links, users are
advised adopt a policy of caution before clicking any external web links mentioned throughout this
website. (External links are clickable text / banner / image links to other websites, similar
to; https://www.moneyadviceservice.org.uk/ .)

The owners of this website cannot guarantee or verify the contents of any externally linked website
despite their best efforts. Users should therefore note they click on external links at their own risk
and this website and its owners cannot be held liable for any damages or implications caused by
visiting any external links mentioned.
We are not responsible for the content of any site owned by a third party that may be linked to the
Mortgageshield.co.uk Ltd website, whether such a link is provided by us or by a third party. These
links are provided as a courtesy service and no judgement or warranty is made by us concerning the

suitability, accuracy or timeliness of the content of any site that may be linked to the Mortgageshield
website. By providing access to other websites, we are not recommending or endorsing any brand,
products or services offered by the organisation sponsoring or owning the linked website.

Adverts and Sponsored Links
This website may contain sponsored links and adverts. These will typically be served through our
advertising partners, to whom may have detailed privacy policies relating directly to the adverts they
serve.

Clicking on any such adverts will send you to the advertisers website through a referral program
which may use cookies and will track the number of referrals sent from this website. This may
include the use of cookies which may in turn be saved on your computers hard drive. Users should
therefore note they click on sponsored external links at their own risk and this website and its
owners cannot be held liable for any damages or implications caused by visiting any external links
mentioned.

Social Media Platforms
Communication, engagement and actions taken through external social media platforms that this
website and its owners participate on are custom to the terms and conditions as well as the privacy
policies held with each social media platform respectively.

Users are advised to use social media platforms wisely and communicate / engage upon them with
due care and caution in regard to their own privacy and personal details. This website nor its owners
will ever ask for personal or sensitive information through social media platforms and encourage
users wishing to discuss sensitive details to contact them through primary communication channels
such as by telephone or email.

This website may use social sharing buttons which help share web content directly from web pages
to the social media platform in question. Users are advised before using such social sharing buttons
that they do so at their own discretion and note that the social media platform may track and save
your request to share a web page respectively through your social media platform account.

Shortened Links in Social Media
This website and its owners through their social media platform accounts may share web links to
relevant web pages. By default some social media platforms shorten lengthy urls [web addresses]
(this is an example: http://bit.ly/zyVUBo).

Users are advised to take caution and good judgement before clicking any shortened urls published
on social media platforms by this website and its owners. Despite the best efforts to ensure only
genuine urls are published many social media platforms are prone to spam and hacking and
therefore this website and its owners cannot be held liable for any damages or implications caused
by visiting any shortened links.

Resources & Further Information
Data Protection Act 1998
Money Advice Service
Privacy and Electronic Communications Regulations 2003
Privacy and Electronic Communications Regulations 2003 – The Guide
Twitter Privacy Policy
Facebook Privacy Policy
Google Privacy Policy
Linkedin Privacy Policy
Mailchimp Privacy Policy
Web Design Wales
Website Privacy Policy Template
PDF Form Designer
Edited & customised by: Financialshield Group Ltd Trading as Mortgageshield. Knowehead
Farmhouse, Strichen, Fraserburgh, Aberdeenshire, AB43 6SA