PRIVACY POLICY
Relating to the use of the arbor-estates.co.uk website

1. INTRODUCTION

1.1 This Privacy Policy forms part of the Terms and Conditions of use provided on this website.
1.2 We are committed to protecting your privacy and will not pass on your personal information to any other person, except when we believe the law requires us to do so or as set out in this Privacy Policy.
1.3 We are registered under the Data Protection Act 1998 under various trading names, including Arbor Financial Services.
1.4 This policy explains how and for what purposes we collect the information about you via arbor-estates.co.uk (referred to hereafter as “this Site”).
1.5 Please read this privacy policy carefully. By using this Site and any services we offer via this Site, you are agreeing to be bound by the newest version of this policy in respect of the information collected about you via this site. This Site is under continuous development and hence it is your responsibility to visit this Site regularly to ascertain the latest policy.

2. YOUR OBLIGATIONS

By posting your ad on the property section of this Site you agree as follows:
2.1 You will keep your passwords and any unique ID numbers secret.

3. INFORMATION IN PROPERTIES SECTION

3.1 Any information you provide in the properties section of the Website relating to any property of yours that you wish to let or to sell will obviously be made publicly available.
3.2 Any personal information you provide in this section will not be made publicly available.
3.3 We may use this personal information to contact you about your advertisement, to forward any responses to you or to inform you about our other products and services.
3.4 When you fill in an email form to respond to an advertiser in the properties section, this email is sent directly to the advertiser’s email address with a copy transmitted to ourselves for statistical purposes. We may also use this information to inform you about our other products and services.

4. INFORMATION IN OTHER SECTIONS

4.1 Buy-to-Let (BTL) Mortgages
The information you submit will, initially, only be used internally to identify potential mortgages for you. However, should this proceed to Decision-in-Principle or even further to application stage, this and other information you give will be released to lenders and/or packagers, who will use it to search their records, credit reference and fraud prevention agency files and to 'credit score' your application as well as verify your identity. Their search may include electoral register records and credit information on any associated credit records. If any false or inaccurate information has been provided or they suspect fraud thy will record this. They and other organisations may use these records to prevent fraud and money laundering. By submitting, each of you are giving authority for a credit reference search to be carried out using a credit reference agency. For joint applications a financial association will be created at the credit reference agency as a result of this application, whether it proceeds or not. It is important that you read the lender's 'Uses of Data' leaflet before signing any agreement. We may contact you by email or phone if we need further information and will send you your quote by email.
4.2 Residential (resid) Mortgages
As for BTL mortgages, above. But additionally, the information may be disclosed to our statutory regulator, the Financial Services Authority (FSA), should they wish to check our compliance with their rules and that we have treated you fairly.
4.3 Loans
The information you submit will be forwarded to our associates, who will use it to search the market for your loan. But before they do this, they may search their records, credit reference and fraud prevention agency files and to 'credit score' your application as well as verify your identity. Their search may include electoral register records and credit information on any associated credit records. They may also contact you if further information is required. They will check your records with fraud prevention agencies. If any false or inaccurate information has been provided or they suspect fraud thy will record this. They and other organisations may use these records to prevent fraud and money laundering. By submitting each of you are giving authority for a credit reference search to be carried out using a credit reference agency. For joint applications a financial association will be created at the credit reference agency as a result of this application, whether it proceeds or not. It is important that you read the lender's 'Uses of Data' leaflet before signing any agreement.
4.4 Insurances
The information you submit will, initially, only be used internally to obtain quotations for you. However, should this proceed to application then this and all further information you provide will be submitted to the selected insurance provider. This may include medical information in the case of life insurance and similar protection products. It is important that you read the insurer's 'Uses of Data' leaflet before signing any proposal (application).

5. SECURITY & DISCLAIMER

5.1 Our Website is hosted by Wiserhosting.com owned by NOW Enterprise, which is based in Totnes, Devon, UK, with servers located in data centres in the UK and USA.
5.2 Personal data is submitted over secure servers using 228 bit SSL technology.
5.3 We use many tools and procedures to protect your personal information against unauthorised access and disclosure but, as you probably know, nothing is perfect in the world of cyber technology, so we give no guarantees.
5.4 We do not accept any liability for loss of your password or advert ID caused by a breakdown, error, loss of power or otherwise caused by or to your computer system.

6. MARKETING

6.1 If you do not wish to receive marketing information from us, you may simply email us at any time to info@arbor-estates.co.uk.