our terms & conditions

 

Jurisdiction for use:

This site is intended for use only by those who can access it from within the UK.

Governing law:

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Accuracy and Validity of Information:

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an "as is" basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.

Availability:

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.

Website Privacy policy:

est8planning understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.est8planning.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

Definitions and Interpretation

In this Policy the following terms shall have the following meanings:


“Account”

means an account required to access and/or use certain areas and features of Our Site;

“personal data”

means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and

“We/Us/Our”

Means Lime Chocolate Consultancy Ltd, a limited company registered in Scotland under company number SC355578, whose registered and main trading address is 66 Redford Loan, Edinburgh EH13 0AT.

 

2. Information About Us

    • Our Site is owned and operated by Lime Chocolate Consultanty Ltd, a limited company registered in Scotland under company number SC355578, whose registered address and main trading address is 66 Redford Loan, Edinburgh EH13 0AT.
    • Our Data Protection Officer is based at The Right Mortgage Ltd and Lime Chocolate Consultancy Ltd are appointed represntatives of this network. The Data Protection Officer can be contacted by email at dpo@therightmortgage.co.uk, by telephone on 01564 732744, or by post at St John’s Court, 70 St John’s Close, Knowle, B93 0NH.
    • Dedicated Mortgage Solutions is an appointed representative of The Right Mortgage Ltd, St John’s Court, 70 St John’s Close, Knowle, B93 0NH which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Ltd Financial Services Register number is 649443.

3.What Does This Policy Cover?


This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.


  1. Your Rights
    • As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
      • The right to be informed about Our collection and use of personal data;
      • The right of access to the personal data We hold about you (see section 12);
      • The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
      • The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
      • The right to restrict (i.e. prevent) the processing of your personal data;
      • The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
      • The right to object to Us using your personal data for particular purposes; and
      • Rights with respect to automated decision making and profiling.
    • If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
    • For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.


  1. What Data Do We Collect?


Depending upon your use of Our Site, We may collect some or all of the following personal and non-personal data (please also see section 13 on Our use of Cookies and similar technologies:


  • name;
  • contact information such as email addresses, mailing address and telephone numbers;
  • Information on how you use our website, including details of your domain name and Internet Protocol (IP) address, operating system, browser version, cookie details, how long you stayed on a page, the route you took to navigate through the pages and the website that you visited prior to accessing our site;
  • Other data, from time to time, for example now and again we might ask you to fill in a questionnaire, just so you can let us know how we’re doing.


  1. How Do We Use Your Data?
    • All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
    • Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:
      • Providing and managing your Account;
      • Providing and managing your access to Our Site;
      • Personalising and tailoring your experience on Our Site;
      • Supplying Our products and/or services to you (please note that We require your personal data in order to enter into a contract with you);
      • Replying to emails from you;
      • Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by emailing enquiries@dedicatedmortgages.co.uk;
      • Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;
    • With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email AND/OR telephoneAND/OR text message AND/OR post with information, news and offers on Our productsAND/OR We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
    • You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.
    • We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
      • Where you are given advice and proceed with a product or service then we will keep your data for the duration of the product and for six years after the end of the product;
      • Where you make an initial enquiry that does not lead to a product or service being taken, then your data will be deleted after one year.


  1. How and Where Do We Store Your Data?
    • We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
    • Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using Our Site and submitting information to Us. If We do store data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR including:
      • Ensuring that your data is encrypted to ensure it is stored securely.
    • Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
    • Steps We take to secure and protect your data include:
      • Ensuring we use secure methods of storing and transferring data.
      • Ensuring we use reputable companies that also adhere to GDPR regulations regarding the storing and transferring of your data.


  1. Do We Share Your Data?
    • We may share your data with other companies in Our group for determining whether a product or service is suitable for you and for the processing of applications in order to obtain the product or service. This includes the network we belong to (The Right Mortgage Ltd) who help ensure our compliance with regulatory rules and regulations as well as various lenders and insurers.
    • We may sometimes contract with third parties to supply products and services to you on Our behalf. These may include payment processing, delivery of goods, search engine facilities, advertising, and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
    • We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
    • We may sometimes use third party data processors that are located outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Where We transfer any personal data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR including:
      • Cloud based storage. Your data may be held securely in a cloud based storage system. We only use cloud based storage where we know the firm to be reputable and they confirm they too comply with the GDPR principles.
    • In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.


  1. What Happens If Our Business Changes Hands?
    • We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
    • In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes.


  1. How Can You Control Your Data?
    • In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details).
    • You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.


  1. Your Right to Withhold Information
    • You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
    • You may restrict Our use of Cookies. For more information, see our Cookie Policy.


  1. How Can You Access Your Data?


You have the right to ask for a copy of any of your personal data held by Us (where such data is held. Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at enquiries@dedicatedmortgages.co.uk, or using the contact details below in section 13.


  1. Contacting Us


If you have any questions about Our Site or this Privacy Policy, please contact Us by email at neil@est8planning.co.uk, by telephone on 0131 44 11 000, or by post at 66 Redford Loan, Edinburgh EH13 0AT. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).


  1. Changes to Our Privacy Policies


We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.




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