Best Mortgage Advice www.bestmortgageadvice.org.uk
Guild of Independent Mortgage Advisers
Best independent mortgage advice without any fees
 

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Terms and Conditions

Privacy statement
The Guild of Independent mortgage advisers is committed to protecting the privacy and confidentiality of information provided by its customers and upholding data protection principles
Collection of personal information
In order for clients to use our service, we need to collect various types of information. This will involve you completing on-line forms which request personal information about you such as your name, address, e-mail address, telephone and fax numbers.
Processing of data
Information we collect is used to process your application for a quotation, to arrange your insurance cover, for accounting purposes and to contact you when necessary. This information may also be used for the purpose of dealing with any claims that may arise. All data processing takes place in the UK, and is regulated under the Data Protection Act 1998.
Disclosure of information
We do not disclose any information provided by you to third parties, except as detailed below, unless We are required to by law or any court order.
Third party companies
In order to provide you with quotations and/or insurance cover we will disclose various details about you to insurance companies and mortgage lenders.
Product updates
We will keep your name, address and contact details on our database and may from time to time use that information to make you awarea of additional products, services and developments in the insurance sector generally which may be of interest to you. If you do not want your contact details used for these purposes please email your details to info@goima.co.uk

Security
Where relevant, this web site and our computer systems have security measures in place with the aim of protecting information and personal details that you provide us.
Modifying and removing personal information
You may update any information you have given to us by either writing to the address below, sending an email to info@goima.co.uk .If at any time you would like your record and all personal information relating to you removed from our system, please send an e-mail to info@goima.co.uk. Such removal may not be possible until any current contracts of insurance with you have expired.
You may be entitled to a copy of the information we hold about you under the provisions of the Data Protection Act 1998. To request copies contact us at the address below. A fee is charged for providing such information.
Changes in the Data Protection and Privacy Statement

We will notify you of changes to this Data Protection and Privacy Statement by displaying them on this web page. If you have any questions about this statement or any part of our service, you may contact us by emailing info@goima.co.uk
Our trading address is:

Guild House
4, Higher Stubbin
Rotherham
S627RY
Our terms
Data Protection
By registering your details on this website, you area giving your explicit consent to us holding personal data which you provide to us, including any sensitive personal data as defined in the Data Protection Act 1998.
FSA Compliance
We will pass your information to an independent mortgage adviser. As soon as we determine the actual adviser best suited to your needs, the adviser will be advised via phone or email with your details. The selected adviser will then contact you by telephone. All our advisers area independent and area authorised and regulated by the FSA.
If you have a need to complain about our services or that of your nominated adviser and If We are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service. Our staff can assist you with this.
Web site: www.financial-ombudsman.org.uk
Online Security
Your personal details are not stored on any part of our site.
You recognise that the internet is accessible to anyone with the appropriate technical capability and as such it is impossible to protect totally against the abuse of the system by third parties, including the introduction of a virus onto the system. You acknowledge that it is your responsibility to satisfy yourself that your own information technology is protected against computer viruses.
Execution Only Transactions
For execution only transactions you will not have received advice from our nominated adviser on the suitability of any transaction, product or fund. It is your responsibility to check that you area eligible for your chosen plan and to seek professional advice if you feel it is appropriate to do so. For a transaction to be deemed execution only the client must have chosen the product provider, product, premium or sum assured, term and any other options without advice from our chosen adviser. All other transactions will be on an advised basis and this will be confirmed in writing to you by your chosen adviser.

Quotations
All quotations area given in good faith and area subject to completion of a satisfactory proposal form and acceptance by the insurance company. It is the proposer's responsibility to answer all questions honestly, correctly and to disclose any material facts to your chosen adviser.
Terms and conditions of advisers
If you enter into any agreement with any of our nominated advisers as a result of any referral by us we do not hold ourselves responsible for any advice or recommendation given. We do not hold ourselves out as providing any legal, mortgage advice or any financial advice. In addition we do not offer any advice regarding the nature or suitability of any product recommended, loan, scheme or investment. We recommend you take separate professional advice from your solicitor, accountant or financial adviser if you may be unsure of the value or effect of any such arrangement. We do not control and do not accept liability for the actions of any of our nominated advisers or other third party directly or indirectly through using our services or web site. We not control and do not accept liability for the actions of your nominated adviser with whom you decide to contract as a result of using our services.
Policy Documents
Policy documents will be issued to clients at the address stated on the proposal form. All policies and documents must be checked by the policyholder for accuracy and suitability. Any errors notified to your adviser will then be rectified.
Complaints
It is our aim to always provide a prompt and efficient service. If, for whatever reason, you area unhappy with our service or the service of your nominated adviser and wish to make a complaint, please contact us via email. To complaints@goima.co.uk We will respond to all complaints within five working days and will keep you fully updated on the progress of your complaint.
English Law
These terms and conditions and the policies they relate to shall be governed by English Law. Your statutory rights area unaffected.
We believe the best assistance comes from an authorised independent mortgage adviser!


 

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The cost for comparison is 7.6%APR.The actual rate will depend on your circumstances. Ask for a personalised illustration. Enquiries generated via this website area passed on to independent financial advisers and mortgage brokers that area authorised by The Financial Services Authority Telephone calls may be monitored.
Think Carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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