Legal Disclaimer

Introduction

This website (“Website”) is owned and provided by Talk Mortgages. Talk Mortgages is a trading style of CLS Money Ltd who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. CLS Money Ltd is a company registered in England & Wales with company number 07639774. The registered office address is The Old Warehouse, 18 Sirdar Road, Rayleigh, Essex, SS6 7XF (FCA registration number 570776). This can be confirmed at the FCA register.

In these Terms of Use, “we”, “our” and “us” means Talk Mortgages trading as talk-mortgages.co.uk and “you” and “your” means any person who accesses and uses this Website.

1 General

1.1 Access to and use of this Website is subject to these Terms of Use and our Privacy Policy. By accessing and using this Website you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use or our Privacy Policy, you are not permitted to access and use this Website and you should cease such access and/or use immediately.

1.2 If you breach any term of these Terms of Use, your right to access and use this Website shall cease immediately.

1.3 We reserve the right to amend these Terms of Use from time to time without notice by amending this page. The amended Terms of Use will be effective from the date they are posted on this Website. As these Terms of Use may be amended from time to time, you should check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.

2 Our service

2.1 We provide an independent service which enables us to research and compare mortgages, insurance, financial and other products or services provided by third parties.

2.2 We also provide an independent service which enables you to obtain advice and assistance offline (for example over the telephone) after using this Website from us in connection with certain insurance, financial and other products or services.

2.3 Please be aware that nothing on this Website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by us in respect of any product or service referred to on this Website. Information on this Website is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs.

2.4 Please be aware that nothing on this Website is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted.

2.5 We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.

2.6 We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.

3 Permitted use

3.1 You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.

3.2 You are not permitted to use this Website: In any unlawful, fraudulent or commercial manner. To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person’s privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us. To create, check, confirm, update, modify or amend your own or another person’s databases, records or directories. To tamper with, modify, reverse engineer or amend any part of this Website. In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system.

3.3 You may operate a link to this Website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.

4 Intellectual property rights

4.1 The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions: It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, re-utilised or reproduced without our prior written consent. You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system. It may not be sold or transferred to any third party. The copy must retain any copyright or other intellectual property notices contained in the original material. Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s). No logos, trade marks or service marks displayed on this Website may be printed or downloaded, except as part of the text of which they form part. You must not modify the paper or digital copies of such information, content, material or data. It may not be excerpted, utilised, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent. The status of us and our licensors as the authors of such information, content, material or data must be acknowledged.

4.2 All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trade marks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.

4.3 Except as set out elsewhere in these Terms of Use, none of the intellectual property rights belonging to us or our licensors in and relating to this Website (including information, content, material or data displayed on it) may be used, copied, modified, published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed by you without our prior written consent.

4.4 All rights in talk-mortgages.co.uk are owned by us.

4.5 You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website (“User Content”). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available and transmit such User Content in any manner and for any purpose. Additional terms and conditions in relation to User Content (including discussion forums and user reviews) are set out in paragraph 18. Sections 5, 6 and 7 are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.

5 Limits to our liability

5.1 Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.

5.2 Whilst we use reasonable endeavours to ensure that information on this Website is accurate and up to date and to correct errors as soon as we are able to after becoming aware of them, we do not check, monitor, review, verify or endorse, and we are not responsible or liable for any loss or damage you may suffer or incur in connection with, any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this Website or any third party websites. Such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that such information, content, material or data is accurate, complete, correct and up to date.

5.3 Any views, opinions, advice, reviews, ratings or comments on this Website or any third party websites which are made by third parties (including User Content as described in paragraph 4.5) do not represent our views, opinions or advice, should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.

5.4 We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. You must ensure that you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by any third party.

5.5 We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.

5.6 We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this Website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

5.7 We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.

6 Exclusion of our liability in respect of third party advice, assistance, websites and products or services

6.1 You can apply for a number of products and services via this Website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.

6.2 Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.

6.3 If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

6.4 We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such third party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any third party in connection with their website.

6.5 Your use of any third party website will be governed by the terms and conditions of use and privacy policy applicable to that website. Such terms and conditions of use and privacy policy will be different from these Terms of Use and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any third party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.

6.6 Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.

6.7 Please be aware that whilst this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website.

7 Your responsibilities

7.1 You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

7.2 You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

7.3 You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

7.4 Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

7.5 You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

7.6 You are solely responsible and liable for your conduct on this Website and for your User Content. You must ensure that: You own your User Content or otherwise have the right to grant the licence set out in paragraph 4.5. Your User Content does not violate or infringe any privacy rights, intellectual property rights (such as copyright, database rights and trade marks) or other rights of any third party (including any right of confidentiality). Your User Content does not violate or infringe any law. Your User Content is true, complete, accurate and not misleading where it relates to facts, or is genuinely held where it relates to an opinion. Your User Content is not harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable.

7.7 You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website and/or your User Content.

8 Your telephone calls

8.1 Telephone calls that you make to us may be monitored and/or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our phone lines are available Monday to Friday 8.00am to 9.00pm and Saturday and Sunday from 9.00am to 5.00pm GMT and all calls will be charged at local rate.

9 Customer complaints procedure Hopefully all your dealings with Talk Mortgages will be positive experiences. However, sometimes things go wrong and if that happens, we have a structured complaints procedure, operated by our network principal, HL Partnership Limited (HLPartnership), to ensure we get things back on track as quickly as possible. This document is a summary of that procedure which is designed to ensure any complaints are dealt with in a professional manner, are handled fairly, effectively and promptly, and are resolved at the earliest possible opportunity.

Our commitment to you

9.1 HLPartnership will endeavour to resolve your complaint as quickly as possible and will work within the following timescales:

Three Business Days – Once your complaint is received, if HLPartnership is able to resolve the matter by close of business on the third working day following its receipt, it will simply do so and advise you in writing with a Summary Resolution Communication.

Five Business Days – If the matter is not resolved as above, HLPartnership will write to you within five business days acknowledging your complaint, confirming their understanding of the situation, and providing you with the name of the individual handling the complaint.

Four Weeks – If HLPartnership hasn’t been able to resolve the complaint sooner, after four weeks you will be sent either a Final Response letter (please see below) or a progress report explaining why they are not yet in a position to resolve the complaint.

Eight Weeks – If HLPartnership still hasn’t been able to resolve the case before hand, at eight weeks they will send you either a Final Response letter (please see below) or an explanation why they are not yet in a position to resolve the complaint, giving the reason for the delay and indicating when they expect to be able to provide a final response.

PLEASE NOTE: A business day is a Monday to Friday between 9am and 5pm, excluding bank holidays. When a complaint is received on a non-business day or on a business day outside business hours, your complaint will be treated as being received on the next business day.

9.2 HLPartnership will ensure the person dealing with your complaint has the required skill, knowledge and authority to respond to your complaint. Their staff are fully trained and operate a structured and robust complaints procedure to ensure all complaints are dealt with fairly.

9.3 HLPartnership will ensure the letters it sends are clear and explain things properly. When HLPartnership resolve a complaint, you will either receive:

Summary Resolution Communication – Where HLPartnership have been able to resolve a complaint within three business days, a Summary Resolution Communication will be sent to you explaining that they believe the complaint to be resolved. This will include details of how to escalate the case if you remain dissatisfied.

Final Response Letter – Once HLPartnership has completed an investigation, it will issue a Final Response Letter to you. This will detail the complaint, explain the investigation, and confirm the findings. The Final Response letter will either ‘Uphold’ your complaint or ‘Reject’ your complaint and explain why. If there is any settlement or redress awarded, an explanation of how this was calculated will also be included.

As we are part of the HLPartnership network, you will have access to the Financial Ombudsman Service which is a free service set up by Parliament to sort out individual complaints that consumers and financial businesses are not able to resolve themselves.

If, once a Summary Resolution Communication or Final Response Letter has been issued (or after 8 weeks if HLPartnership has yet to issue a Summary Resolution or Final Response letter), you remain dissatisfied with the outcome of their investigations, you may have the right to approach the Financial Ombudsman Service within 6 months of the date of the letter.

If you do not refer your complaint in time, the Ombudsman will not have permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

Details of how to get in touch with The Financial Ombudsman Service will be issued with our Summary Resolution and Final Response letters along with a leaflet explaining how the service works. If you require more information, the Financial Ombudsman Service can be contacted as follows:

Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0300 123 9123 Website: www.financial-ombudsman.org.uk

Your commitment to us

In order to help resolve complaints as quickly and fairly as possible, we ask the following:

Tell us what happened – HLPartnership needs to understand the situation as clearly as possible so may ask you to provide your side of the story or request documents and information which may help its investigation. These can be provided by post, email, verbally or through any other means that you prefer.

Help us find the right solution – It is in everyone’s interests to get complaints settled amicably so if there is a particular outcome you believe would be suitable, tell HLPartnership who will assess if this is possible. HLPartnership may not be able to resolve the case the way you would like but can try. And if it cannot, it will explain why it is not possible and offer an alternative solution.

Respond to HLPartnership as soon as you can – Hopefully HLPartnership won’t need to come back to you too often but may need further information or clarity on certain points. If more information is needed, HLPartnership simply ask you to come back to us as soon as you can so that it can get things resolved quicker. If you can’t come back straight away, that’s fine too – just let them know.

Treat us with respect – Whilst it can be frustrating if something’s gone wrong, HLPartnership’s job is to find out what happened and where appropriate, put things right. All staff will do everything they can to help so HLPartnership ask that you give them the time to do their work and treat them with respect.

How to Complain

If you wish to register a complaint, you can do so by contacting the Complaints Department using the following methods:

By post:

The Complaints Department HL Partnership Limited Pharos House High Street Worthing West Sussex BN11 1DN

By email: complaints@hlpartnership.co.uk
By telephone: 01903 602 664
By facsimile: 01903 538 852

10 Payment

10.1 You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on this Website from time to time.

11 Privacy

11.1 We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.

11.2 We may disclose your personal information or access your account if required to do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.

12 Miscellaneous

12.1 With the exception of certain travel products or services, this Website is only intended for use by residents of the United Kingdom. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of the United Kingdom. If you choose to use this Website from locations outside the United Kingdom, you do so at your sole risk and you are responsible for compliance with all applicable local laws.

12.2 If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.

12.3 These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supercedes any prior agreements (including any previous terms of use of this Website).

12.4 No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

13 Governing law

13.1 These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law.

13.2 Each of you and us submits to the exclusive jurisdiction of the courts of England and Wales in connection with these Terms of Use and your access to and use of this Website (including any claims or disputes).

14 User generated content (including discussion forums and user reviews) You agree that any User Content (as described in paragraph 4.5) will comply with this paragraph 18 and the User Content Standards. You are not permitted to use this Website to: Collect email addresses or other contact information of others for the purposes of sending unsolicited emails or other unsolicited communications.

Promote or encourage illegal activity. Do anything that is unlawful, harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or for the purpose of harming or attempting to harm minors in any way.

Do anything which violates the rights of others (such as rights of privacy).

Impersonate any other person or falsely state or otherwise misrepresent yourself.

Upload, post, transmit, distribute, share, store or otherwise make publicly available any personal information of any other person including names, addresses, phone numbers and email addresses.

Upload, post, transmit, distribute, modify, reproduce, share, store or otherwise make publicly available any information, material, data or content that infringes any patent, trade mark, trade secret, copyright or other intellectual property right of any other person.

Send any unsolicited or unauthorised advertising, promotional materials, ‘junk mail’, ‘spam’, ‘chain letters’ or any other form of such solicitation.

Post links to alternative community groups or forums except with our prior written consent.

We reserve the right, but have no obligation, to review or monitor any User Content. We are not responsible or liable for the review or monitoring of any User Content. We reserve the right to close, delete, edit, refuse to post, amend, modify or remove (without notice) any User Content at our sole discretion for any reason, including without limitation User Content that in our sole opinion breaches these Terms of Use. You agree that any information you provide to us about yourself will be true, accurate and complete, and that you will ensure that this information is kept accurate and up-to-date at all times. You agree that we may disclose your identity (including your name, email address and contact details) if required to do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency. We advise you to think very carefully before posting or uploading any personally identifiable information about you on this Website. If you consider that any User Content breaches these Terms of Use or the User Content Standards, please email hello@talk-mortgages.co.uk or click on the “Report Abuse” button in the discussion forums section of this Website.

Last updated: 8 February, 2019

FCA Statement Talk Mortgages is a trading style of CLS Money Ltd who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. CLS Money Ltd is a company registered in England & Wales with company number 07639774. The registered office address is The Old Warehouse, 18 Sirdar Road, Rayleigh, Essex, SS6 7XF.

Privacy Policy of the talk-mortgages.co.uk website Talk Mortgages (“we” or “us”) takes your privacy seriously. This Privacy Policy explains how we will use information about you and the steps we take to ensure your information is kept secure and confidential. It should be read together with our Terms of Use. Please read this Privacy Policy carefully. If you use any of our services, which are described in the Terms of Use (“Services”), you will be regarded as having read and accepted this Privacy Policy. You must not use this Website or our Services if you do not accept this Privacy Policy. CLS Money Ltd (company number 7639774) is the data controller under the Data Protection Act 2018 in relation to the processing of your personal data in connection with the Services. If you have any queries relating to our use of your personal data or any other related data protection questions, please contact our Data Protection Officer at hello@talk-mortgages.co.uk

The information we collect

We collect personal information about you when you give this to us in the course of registering for and/or using our Services, for example, in order to obtain comparative quotes for car insurance or when taking part in our online discussion forums. In the course of providing the Services to you, we may also store information about how you use our Website, for example, the pages viewed, the website from which you came to visit our Website, changes you make to information you supply to us and details of the quotes you request.

Telephone calls that you make to us may be monitored and/or recorded. This will help us to train our staff and improve our service to you.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

Purposes for which we use information about you

We may use your personal information for the following purposes:

to enable you to access and use the Services; and/or to personalise and improve aspects of our overall service to you and our other users, as well as carrying out research such as analysing market trends and customer demographics; and/or to communicate with you, including sending you information about products and services which we think may be of interest to you, and sending you annual insurance renewal quotes based on information you previously provided to us if you have requested insurance quotes; and/or to process a transaction between you and a third party.

Passing on information about you

Where permitted by data protection and privacy law, we may also disclose information about you, or access your account:

if required or permitted to do so by law; and/or if required to do so by any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency; and/or if necessary in connection with legal proceedings or potential legal proceedings; and/or in connection with the sale or potential sale of all or part of our business or the company.

If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.

Keeping you informed of offers and services

You agree that we and other trusted third parties shall be entitled to advise you via e-mail, post, telephone or by text of products, services and other offers we think may interest you. For example, we may e-mail you letting you know how you could save money by changing products and services.

Whenever you provide us with personal information, we will give you an opportunity to tell us you do not consent to us and others using and sharing your information for marketing purposes. Unless you tell us otherwise, you are consenting to such uses.

Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time. Should you no longer wish to be contacted by us, you can advise us at any time by contacting our Customer Services team on 0330 0881 107 (lines are open Monday to Friday 8.00am to 9.00pm and Saturday and Sunday 9.00am to 5.00pm GMT) or by sending an email to hello@talk-mortgages.co.uk Improving our service to you

In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the website. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the website.

A cookie is a very small text file placed on your computer. Cookies help us to:

understand browsing habits on this Website;

understand the number of visitors to this Website and the pages visited; and

remember you when you return to this Website so we can provide you with access to previously saved quotes.

Most cookies are deleted as soon as you close your browser, these are known as session cookies. Others, known as persistent cookies, are stored on your computer either until you delete them or they expire. By using this Service, you consent to us using cookies.

You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our website on your system.