Your
Personal Information
We will treat all your information as private and confidential
(even when you are no longer a client) except where we are
permitted by law or where the disclosure is made at your request
or with your consent in relation to arranging your loan or
mortgage. Where your application has been introduced by a
third party, for example another broker, we may disclose information
concerning the progress of your application to them. We will
be pleased to confirm if this is the case. |
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We will store the information
about you on computer and in other records. We will only use
this information for the purposes registered under the Data
Protection Act 1998, and where appropriate the Data Protection
(Bailiwick of Guernsey) Law 2001. This may include sharing your
information with other companies in the John Brear Limited Group. |
Further information regarding
data protection will be provided by us with any loan documentation
that may be sent to you.
Should you have any questions or comments regarding our data
protection policy or any matter referred to in our policy please
contact the Data Protection Officer below.
You have the right of access to your personal records upon request
to the Data Protection Officer.
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Data Protection Officer
John Brear Ltd
Suites 1 - 3
8 High Street
Normanton
West Yorkshire
WF6 2AB
e-mail: application@mq2.co.uk |
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Notification
of Changes
If we decide to change our privacy policy, we will post those
changes to this privacy statement and other places we deem
appropriate so our users are always aware of what information
we collect, how we use it, and under what circumstances, if
any, we disclose it. We will use information in accordance
with the privacy policy under which the information was collected.
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If however, we are going to
use users personally identifiable information in a manner different
from that stated at the time of collection, we will notify users
via email. Users will have a choice as to whether or not we
use their information in this different manner. However, if
users have opted out of all communication with the site, then
they will not be contacted, nor will their personal information
be used in this new manner. In addition, if we make any material
changes in our privacy practices that do not affect user information
already stored in our database, we will post a notice on our
web site notifying users of the change. |
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Credit Searches |
We will make searches about
you at credit reference agencies who will supply us with credit
information, as well as information from the Electoral Register.
The agencies will record details of the search whether or not
this application proceeds.. |
Credit searches and other
information which is provided to us and/or the credit reference
agencies, about you and those with whom you are linked financially
may be used by John Brear Limited and other companies of John
Brear Limited Group
Other companies may use the record of searches and any other
information provided to the agencies if credit decisions are
made about you, or other members of your household. This information
may also be used for debt tracing and the prevention of money
laundering as well as the management of your account.
We may also pass information to financial and other organisations
involved in fraud prevention to protect ourselves and our customers
from theft and fraud. If you give us false or inaccurate information
and we suspect fraud, we will record this. |
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Complaints |
We have a formal complaints
procedure to ensure that your complaint is handled quickly,
fairly and efficiently.
On receipt of your complaint which you can make by using any
of the following telephone, letter, e-mail or fax, the matters
raised will be investigated by our Compliance Officer. An initial
letter of acknowledgment should be sent out to you within 5
working days and a final response - (or explanation of why we
are unable to do this) should be made within 8 weeks from the
day of complaint.
Should it be necessary to obtain information from third parties
to further these investigations you will be informed of this
and where appropriate your written authority obtained prior
to any disclosures being made by us to third parties. |
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For further information or
to make a complaint please contact: |
Compliance Officer
John Brear Ltd
Suites 1 - 3
8 High Street
Normanton
West Yorkshire
WF6 2AB
e-mail: application@mq2.co.uk
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If we are unable to resolve
your complaint to your satisfaction you may have the right to
refer your complaint to the Financial Ombudsman Service. Our
staff will assist you with this. |
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel: 0845 080 1800
Web site:
www.financial-ombudsman.org.uk |
