Privacy Policy

We keep our privacy notice under regular review and we will reflect any updates within this notice.

Your information will be held by L&M Finance Corporation Limited.

This privacy notice is to let you know how we promise to look after your personal information. This privacy notice applies to all individuals or users whose personal data is processed by us either directly or using our website www.watlingchambers.co.uk.

We are

L&M Finance Corporation Limited trading as London & Midlands Finance Corporation Watling Chambers 214 Watling Street Cannock Staffordshire England WS11 0BD Company registration number is 1762503.

We are authorised and regulated by the Financial Conduct Authority under registration number 305341 for arranging regulated mortgage contracts and credit broker service.

L&M Finance Corporation Limited is registered with the Information Commissioner's Office (ICO) under reference number: Z7454031

No person under the age of 18 years old is permitted to use our website or service.

The policy has also been written to meet the requirements of the General Data Protection Regulation (GDPR).

How we collect your information

This privacy policy sets out how we may obtain information from you through our website, mobile applications, facsimile, telephone, mobile phone or other similar devices or postal applications used and accepted by us.

We use and protect any information that you give us and are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified, then you can be assured that it will only be used in accordance with this privacy statement.

We may change this policy from time to time by updating this page and the revised version will be posted on our website www.watlingchambers.co.uk. You should check this page from time to time to ensure that you are happy with any changes.

What we collect

We will only collect the necessary information from you that we need to provide our service as required by you.

We may collect the following information:

name, job title, home address and postcode, age, nationality, gender, photograph, passport, drivers license, contact information including email address, telephone number, mobile phone or any other information to establish your personal identity, or other information relevant to customer needs such as business email address, business telephone number, business mobile phone, business facsimile, registered office address and company registration number (if applicable) or any other information to establish your business identity.

What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and for the following reasons:

§  To process and submit your application details to lenders, packagers and credit brokers to apply for the funds you have requested, subject to underwriting criteria, valuation reports and current market conditions which mean product availability, mortgage/loan to value lending and lending underwriting criteria can be changed, altered, amended or withdrawn in their entirety at any time without notice and without any liability whatsoever

§  You have given clear consent for us to process your personal data for a specific purpose.

§  The processing is necessary for a contract we have with you, or because you have asked us to take specific steps before entering into a contract.

§  The processing is necessary for us to comply with the law (not including contractual obligations).

§  The processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual personal data which overrides those legitimate interests.

§  Internal record keeping.

§  We may use the information to improve our products and services.

§  We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address or postal address which you have provided.

§  From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customize our website.

§  To process your application form and submit presentation to you for approval.

§  For fraud prevention.

§  For our own marketing.

§  To notify you about changes to our products and services.

§  For statistical analysis.

§  To carry out necessary reference checks.

§  In addition to the above, we may disclose your personal information to third parties:

o    To prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you.

o    to our agents, staff and approved third parties to carry out services for us.

§  If we or substantially any of our assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets

§  To enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of L&M Finance Corporation Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection.

§  Where permitted by data protection and privacy law, we may disclose information about you, including electronic identifiers (such as IP addresses) and

o    if required or permitted to do so by law

o    if required to do so by any court, the Information Commissioners Office (ICO) or any other applicable regulatory, compliance, Government, or law enforcement agency

o    if necessary, in connection with legal proceedings or potential legal proceedings.

§  We may also share your details with members of our affiliated companies who may use your information for the purposes detailed in this Policy.

Security
We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. If you send us an email from your private mailbox, we cannot guarantee the security of the content. For that reason, please do not send an unsecured email with confidential information such as your national insurance number or bank account details. Likewise, if we send an email to your mailbox, for example to reply to an enquiry, once the email has left us, we cannot guarantee it will stay private. This means that we will not accept responsibility for the security of emails outside our systems or accept liability if anything happens to your email (for example, if they are intercepted) outside our systems. If you ask us to email you information that is personal or confidential, we may need to ask you for extra information to check your identity and to give your authority to send that information to you. We must do this under the General Data Protection Regulation.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

§   We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.

§   We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

§   You may request details of personal information which we hold about you under the General Data Protection Regulation (GDPR). If you would like a copy of the information held on you, please write to L&M Finance Corporation Limited Watling Chambers 214 Watling Street Cannock Staffordshire WS11 0BD.

§   If at any point you believe retained information is incorrect you can request to see this information, and have it corrected and possibly deleted. Providing you with this information is free of charge, but charges may apply for excessive requests.

§   If you wish to raise a complaint on how we have handled your personal data, you can contact our Customer Service Department who will investigate the matter.

§   Where relevant, you have the right to withdraw consent at any time and this means that we cannot process your data provided without your consent. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner’s Office (ICO)

WELCOME TO OUR WEBSITE

·          Website Terms & Conditions

·          Privacy Policy

·          Disclaimer

·          Cookies

 

L&M Finance Corporation Limited trading as London & Midlands Finance Corporation.

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern L&M Finance Corporation Limited’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website. The term “L&M Finance Corporation Limited” or “London & Midlands Finance Corporation” or “Watling Chambers” or “us” or “we” refers to the owner of the website whose registered office is Watling Chambers 214 Watling Street Cannock Staffordshire England WS11 0BD. Our company registration number is 1762503. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice. This website may use cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties: (any information by which you can be identified). Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors fully permitted by law. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. We do not provide advice or recommendation. We strongly recommend you take appropriate legal or business advice before proceeding with any product or service contained on this website. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions. All trademarks (whether registered or unregistered) reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence. From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Your use of this website and any dispute arising out of such use of the website is subject to the law of England and subject to the exclusive jurisdiction of the English Courts. Only UK residents may apply for any of the services on offer. Further terms and conditions will apply in respect of all services offered or described on this site. These are available to view at the appropriate location on this site or may be made available later.

Disclaimer
The information contained in this website is for general information purposes only. The information is provided by L&M Finance Corporation Limited and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or about, the use of this website. Through this website you may link to other websites which are not under the control of L&M Finance Corporation Limited. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, L&M Finance Corporation Limited takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Privacy Policy

We keep our privacy notice under regular review and we will reflect any updates within this notice.

Your information will be held by L&M Finance Corporation Limited.

This privacy notice is to let you know how we promise to look after your personal information. This privacy notice applies to all individuals or users whose personal data is processed by us either directly or using our website www.watlingchambers.co.uk.

We are

L&M Finance Corporation Limited trading as London & Midlands Finance Corporation Watling Chambers 214 Watling Street Cannock Staffordshire England WS11 0BD Company registration number is 1762503.

We are authorised and regulated by the Financial Conduct Authority under registration number 305341 for arranging regulated mortgage contracts and credit broker service.

L&M Finance Corporation Limited is registered with the Information Commissioner's Office (ICO) under reference number: Z7454031

No person under the age of 18 years old is permitted to use our website or service.

The policy has also been written to meet the requirements of the General Data Protection Regulation (GDPR).

How we collect your information

This privacy policy sets out how we may obtain information from you through our website, mobile applications, facsimile, telephone, mobile phone or other similar devices or postal applications used and accepted by us.

We use and protect any information that you give us and are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified, then you can be assured that it will only be used in accordance with this privacy statement.

We may change this policy from time to time by updating this page and the revised version will be posted on our website www.watlingchambers.co.uk. You should check this page from time to time to ensure that you are happy with any changes.

What we collect

We will only collect the necessary information from you that we need to provide our service as required by you.

We may collect the following information:

name, job title, home address and postcode, age, nationality, gender, photograph, passport, driver's license, contact information including email address, telephone number, mobile phone or any other information to establish your personal identity, or other information relevant to customer needs such as business email address, business telephone number, business mobile phone, business facsimile, registered office address and company registration number (if applicable) or any other information to establish your business identity.

What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and for the following reasons:

§  To process and submit your application details to lenders, packagers and credit brokers to apply for the funds you have requested, subject to underwriting criteria, valuation reports and current market conditions which mean product availability, mortgage/loan to value lending and lending underwriting criteria can be changed, altered, amended or withdrawn in their entirety at any time without notice and without any liability whatsoever

§  You have given clear consent for us to process your personal data for a specific purpose.

§  The processing is necessary for a contract we have with you, or because you have asked us to take specific steps before entering into a contract.

§  The processing is necessary for us to comply with the law (not including contractual obligations).

§  The processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual personal data which overrides those legitimate interests.

§  Internal record keeping.

§  We may use the information to improve our products and services.

§  We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address or postal address which you have provided.

§  From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customize our website.

§  To process your application form and submit presentation to you for approval.

§  For fraud prevention.

§  For our own marketing.

§  To notify you about changes to our products and services.

§  For statistical analysis.

§  To carry out necessary reference checks.

§  In addition to the above, we may disclose your personal information to third parties:

o    To prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you.

o    to our agents, staff and approved third parties to carry out services for us.

§  If we or substantially any of our assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets

§  To enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of L&M Finance Corporation Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection.

§  Where permitted by data protection and privacy law, we may disclose information about you, including electronic identifiers (such as IP addresses) and

o    if required or permitted to do so by law

o    if required to do so by any court, the Information Commissioners Office (ICO) or any other applicable regulatory, compliance, Government, or law enforcement agency

o    if necessary, in connection with legal proceedings or potential legal proceedings.

§  We may also share your details with members of our affiliated companies who may use your information for the purposes detailed in this Policy.

Security
We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. If you send us an email from your private mailbox, we cannot guarantee the security of the content. For that reason, please do not send an unsecured email with confidential information such as your national insurance number or bank account details. Likewise, if we send an email to your mailbox, for example to reply to an enquiry, once the email has left us, we cannot guarantee it will stay private. This means that we will not accept responsibility for the security of emails outside our systems or accept liability if anything happens to your email (for example, if they are intercepted) outside our systems. If you ask us to email you information that is personal or confidential, we may need to ask you for extra information to check your identity and to give your authority to send that information to you. We must do this under the General Data Protection Regulation.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

§   We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.

§   We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

§   You may request details of personal information which we hold about you under the General Data Protection Regulation (GDPR). If you would like a copy of the information held on you, please write to L&M Finance Corporation Limited Watling Chambers 214 Watling Street Cannock Staffordshire WS11 0BD.

§   If at any point you believe retained information is incorrect you can request to see this information, and have it corrected and possibly deleted. Providing you with this information is free of charge, but charges may apply for excessive requests.

§   If you wish to raise a complaint on how we have handled your personal data, you can contact our Customer Service Department who will investigate the matter.

§   Where relevant, you have the right to withdraw consent at any time and this means that we cannot process your data provided without your consent. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner’s Office (ICO)

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added, and the cookie helps analyse web traffic or lets you know when you visit a site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Virus Protection
You must take your own precautions to ensure that the process which you employ for accessing this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. It is always wise for you to run an anti-virus program on all material downloaded from the internet. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

General
We accept no liability for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our reasonable control. If we waive any rights available under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion. If any of these terms and conditions is held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions shall nevertheless continue in full force. L&M Finance Corporation Limited does not accept the service of any legal notices by email.

YOUR HOME OR OTHER PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT.

L&M Finance Corporation Limited recommend that you always get independent legal, financial or business advice as appropriate to your individual needs, demands and circumstances before entering into any agreement to borrow money, in particular if borrowing into retirement. Always shop around to see if you can get a better deal elsewhere, if you can take it.

All mortgage and loan products are secured on property or businesses and are subject to current market conditions and can be changed, altered, amended or withdrawn at any time without notice and without any liability. All applications are subject to status, valuation, reports, affordability, satisfactory title and underwriting criteria always. Fees charged. Additional security and guarantees may be required.