Terms and Conditions

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This site is intended for use only by those who can access it from within the UK.
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.
If you believe any information on this site is inaccurate or have any suggestions on how the content
of this site could be improved please contact us at enquiries@conceptmortgages.net. If you have
questions on a particular product or service please use the contact details shown for that product or
service.
We will update the content of this notice from time to time. Please ensure that you visit this page
regularly and refresh your browser to ensure your information is up to date.
It is your responsibility to ensure that your computer is virus protected. Concept Mortgages Limited
accepts no responsibility for any loss you may suffer as a result of accessing or downloading
information from this site.
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.
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.
This website may also contain hypertext links to websites operated by third parties. The
responsibility for the operation and content of those websites shall rest solely with the organisation
identified as controlling the third party website and will be governed by separate terms and
conditions. Links are provided for convenience and inclusion of any link does not imply endorsement
in any way of the site to which it links. We accept no responsibility or liability for the contents of any
linked website.
Concept Mortgages Limited is registered with the UK Data Protection Registrar and endeavours to
follow all the guidelines and rules set out in the Data Protection Act 1998.
We will not disclose your personal details to any third parties unless it is necessary to do so. On
those occasions when we do need to disclose personal information, such as preparing Key Facts
Illustrations for you, processing your business, or obtaining compliance and regulatory advice, we
will do so on a confidential basis and in accordance with the Data Protection Act.
We have notified our processing of personal data under the Data Protection Act 1998
We respect your personal privacy and will not use your personal information in any way that we
would not accept ourselves. We have set out the following information about how we manage the
personal information that we do collect.
If you have any comments or concerns regarding our privacy policy please contact us at
enquiries@conceptmortgages.net
We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised profiles and
demographics that we may use to improve the content of our communications to you. In order to
collect customer use profiles, we may use "cookies" to store and track information about your use of
Concept Mortgages Limited. We will use this personalised information to keep you informed of areas
you may have an interest. If you would prefer not to receive communications from us, please tell us
by email to enquiries@conceptmortgages.net
We will not sell, rent or disclose your personal details to any third parties, except:
- when required to do so by law
- in response to a valid legal request by a law enforcement officer or government agency
when you have explicitly or implicitly given your consent
Under the Data Protection Act 1998 we are entitled to charge an administration fee for answering
your request of £10. All requests for copies of personal information should be made in writing
accompanied by the administration charge to:

Concept Mortgages Limited,
43 Telegraph Road
Heswall
Wirral
CH60 0AD