Moneygate

Who We Are

The following conditions constitute the terms of use of this website and also the general condition of engaging with us to provide you with access to advice on financial products.

Any advice or recommendation that is offered to you by an associated financial adviser will be based on your stated objectives and circumstances, taking into account any restrictions that you wish to place on the type of products you would be willing to consider. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice you are given access to.

Full details of the products that may be recommend to you including, for example, the minimum duration of the product, information on the right to cancel or whether no right to cancel arises, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract.

YOUR PROTECTION

Circumstances can arise where we or one of our other customers may have some form of interest in business being transacted for you. If this happens or we become aware that our interests, or those of one of our other customers, conflict with your interests, we will write to you and obtain your consent before we carry out your instructions. At this time we will detail the steps we will take to ensure you receive fair treatment. In certain cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. Please note that in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), in which case you will have a 14 day cancellation period. Additionally, any contracts arranged with your explicit consent (normally referred to as execution only) do not provide cancellation rights.

If applicable, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you.

DATA PROTECTION

• To provide you with access to full and appropriate financial advice we need to record and use information about your personal circumstances. This information will be held in our computer records in accordance with our registration under the Data Protection Act 1998. We will retain your information while you have a relationship with us and for any longer period that we are legally required to meet.
• If you give us information about another person we believe that you have their authority to consent to the processing of their information.
• We may use this information to obtain illustrations for you about the financial products we recommend and / or share it with third parties for account administration, debt tracing and collection, credit assessment, fraud prevention and to inform you of other products and services.
• We may also provide your data to the Financial Services Authority or the Banking Code Standards for their use in monitoring our compliance with the relevant code.
• We will not disclose information about you to anyone else (other than our agents or other third parties performing any of the above activities on our behalf) unless we are required by law to do so.
• You are entitled to ask for a copy of any information held about you, subject to the payment of a fee applicable to that access, and you have the right to request that it be changed or deleted if it is incorrect.
• We may monitor and record telephone calls for training and security purposes.

Some services are provided to us by third parties, such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details.

You agree that personal information held by us may be disclosed on a confidential basis and, in accordance with the Data Protection Act 1998, to any such third parties. You also agree that this information may be transferred electronically, e.g. via email, and you agree that we, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.

£50 CASH BACK GUARANTEE

Whenever you use our service we want you to know that you are getting access to the very best products, rates and financial advice available. Our cash back guarantee is your assurance that we are always working in your best interests.

We are so confident that our associated financial advisers can save you a minimum of £100 per year (by reviewing your mortgage, life insurance, home insurance and other financial products) that we guarantee to give you a cash back reward if this benefit cannot be delivered to you.

This guarantee is based upon the formal quotes and offers provided to you during the financial consultation process with a financial adviser who is associated to us and which are based upon the personal information you have provided.

A valid offer or underwritten quotation from a UK lender, insurer, investment provider, pension provider or life office (that is based upon exactly the same information you have provided to us) is required to claim your cash back reward.

To claim your cash back reward simply post all of your documentation to us together with your written quotes and offers from third parties to allow us to confirm annual cost saving. All quotes used to compare cost savings must take into account any and all additional fees and charges that may apply.

Upon our acceptance of your cash back request, please allow 14 days for delivery of your reward which will be in the form of a personal cheque.

Please note: to avoid potential abuse and to enable us to honour our cash back guarantee to genuine customers, the acceptance of all refund requests is ultimately at our discretion and we will at all times act reasonably and in good faith.

The £50 cash back guarantee is subject to change at any time and is only available to customers resident in the UK who are over 18 years of age. This offer is available to new customers only.

YOUR CONSENT

I have read the above terms and fully consent to the terms imposed and I authorise the transfer of information, on a confidential basis when warranted between any such third parties, this includes passign my perosnal information to financial advisers and approaching product providers to obtain an Application In Principle which may involve a credit search.

I confirm that I am happy to give Moneygate Group, or associated third parties, my express consent to contact me at any time by telephone/post/email to discuss the relative merits of a product or service which may be of interest to me.