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Online
Calculators - Terms & Conditions of use
Usage Agreement
You agree that the results produced from any of the online
mortgage calculator applications is not a quotation for
service and that you understand that mortgage related results
produced represent an indicative or "ball-park" set
of costs, and that accurate mortgage calculation results and
mortgage quotations can only be received directly from a
company representative after discussion and full analysis of
your personal circumstances and requirements.
Limited
License
We grant you a non-exclusive, revocable right to use the
mortgage calculator applications solely for the purpose of
receiving an indicative cost of theoretical circumstances. We
may revoke your license at any time without notice.
Disclaimers
We make no express or implied warranties or representations
with respect to the mortgage calculator applications
(including, without limitation, warranties of fitness,
merchantability, non-infringement, or any implied warranties
arising out of a course of performance or trade usage). In
addition, we make no representation that the operation of the
mortgage applications will be uninterrupted or error-free, and
we will not be liable for the consequences of any
interruptions or errors.
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Privacy
Policy
1. Introduction
We at the Mortgages Direct respect your right to privacy and
comply with our obligations under the Data Protection Acts
1988 and 2002. The purpose of this Web Site Privacy Policy is
to outline how we deal with any personal data you provide to
us while visiting this web site. By visiting this web site,
you are accepting the terms of this Web Site Privacy Policy.
Any external links to other web sites are clearly identifiable
as such, and we are not responsible for the content or the
privacy policies of these other web sites.
2.
Types of Information Collected
We retain two types of information:
Personal Data
This is data that identifies you or can be used to identify,
contact you or process mortgage applications on your behalf
and may include your name, address, email address, detailed
financial information, user IP addresses in circumstances
where they have not been deleted, clipped or anonymised,
telephone number, and billing and credit history information.
Such information is only collected from you if you voluntarily
submit it to us or have authorised us to obtain it.
Non-Personal Data
Like most web sites, we gather statistical and other
analytical information collected on an aggregate basis of all
visitors to our web site. This Non-Personal Data comprises
information that cannot be used to identify or contact you,
such as demographic information regarding, for example, user
IP addresses where they have been clipped or anonymised,
browser types and other anonymous statistical data involving
the use of our web site.
3.
Purposes for which we hold your Information
Non-Personal Data
We use the Non-Personal Data gathered from visitors to our web
site in an aggregate form to get a better understanding of
where our visitors come from and to help us better design and
organise our web site.
Cookies
This web site uses “cookie” technology. A cookie is a
little piece of text stored by the browser on your computer,
at the request of our server. We may use cookies to deliver
content specific to your interests and to save your personal
preferences so you do not have to re-enter them each time you
connect to our web site –our cookies are not available to
other web sites. Cookies are required on the Mortgages Direct
website to allow users to access the Member's Extranet. No
personal information is recorded, and the cookie is
automatically deleted when you log out or close your browser.
You are always free to decline our cookies, if your browser
permits, or to ask your browser to indicate when a cookie is
being sent. You can also delete cookie files from your
computer at your discretion. Note that if you decline our
cookies or ask for notification each time a cookie is being
sent, this may affect your ease of use of this web site.
Personal
Data
We will process any Personal Data you provide to us for the
following purposes:
- to provide
you with the services you have ordered;
- to contact
you if required in connection with your service order or
to respond to any communications you might send to us;
- to send you
the Mortgages Directt Newsletter and to communicate with
you about association activities.
4.
Disclosure of Information to Third Parties
We may provide Non-Personal Data to third parties, where such
information is combined with similar information of other
users of our web site. For example, we might inform third
parties regarding the number of unique users who visit our web
site, the demographic breakdown of our community users of our
web site, or the activities that visitors to our web site
engage in while on our web site. The third parties to whom we
may provide this information may include potential or actual
advertisers, providers of advertising services (including web
site tracking services), commercial partners, sponsors,
licensees, researchers and other similar parties.
We will
not disclose your Personal Data to third parties unless you
have consented to this disclosure or unless the third party is
required to fulfil your service order (in such circumstances,
the third party is bound by similar data protection
requirements. We will disclose your Personal Data if we
believe in good faith that we are required to disclose it in
order to comply with any applicable law, a summons, a search
warrant, a court or regulatory order, or other statutory
requirement.
5.
Sale of Business
We reserve the right to transfer information (including your
Personal Data) to a third party in the event of a sale,
merger, liquidation, receivership or transfer of all or
substantially all of the assets of our company provided that
the third party agrees to adhere to the terms of the Web Site
Privacy Policy and provided that the third party only uses
your Personal Data for the purposes that you provided it to
us. You will be notified in the event of any such transfer and
you will be afforded an opportunity to opt-out.
6.
Security
Your Personal Data is held on secured servers hosted by Active
Online and on secured servers at our premises. The nature of
the Internet is such that we cannot guarantee or warrant the
security of any information you transmit to us via the
Internet. No data transmission over the Internet can be
guaranteed to be 100% secure. However, we will take all
reasonable steps (including appropriate technical and
organisational measures) to protect your Personal Data.
7.
Updating, Verifying and Deleting Personal Data
You may inform us of any changes in your Personal Data, and in
accordance with our obligations under the Data Protection Acts
1988 and 2003, Directive 95/46/EC of the European Parliament
and of the Council of 24 October 1995 on the Protection of
Individuals with regard to the Processing of Personal Data and
on the Free Movement of Such Data, and any implementing and/or
amending legislation as may be adopted in Ireland from time to
time, we will update or delete your Personal Data accordingly.
To find out what Personal Data we hold on you or to have your
Personal Data updated, amended or removed from our database,
please contact Mortgages Direct on 01 - 2163300. Any such
data subject requests may be subject to the prescribed fee.
8.
Changes to the Web Site Privacy Policy
Any changes to this Web Site Privacy Policy will be posted on
this web site so you are always aware of what information we
collect, how we use it, and under what circumstances, if any,
we disclose it. If at any time we decide to use Personal Data
in a manner significantly different from that stated in this
Web Site Privacy Policy, or otherwise disclosed to you at the
time it was collected, we will notify you by email, and you
will have a choice as to whether or not we use your
information in the new manner.
We can
have approval in principle for you within 48 hours (from
receiving a completed application) which will allow you to
make an offer on a property of your choice.
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Terms
of Use
Terms
and Conditions
Access to our Web Site and the use of its information is ruled
by the following terms and conditions. By proceeding you are
deemed to have accepted these terms and conditions. Any
references to "we" relate to Mortgages Direct Ltd.,
our subsidiaries and associate companies.
Mortgages
Direct Ltd t/a Mortgages Direct is regulated by the Irish
Financial Services Regulatory Authority as a Multi-Agency
Intermediary and a Mortgage Intermediary.
1. This
web site is established in Ireland in accordance with the laws
of Ireland and is governed by Irish law. By using the web
site, it is deemed you accept that your use of the web site
and any information on it, will also be governed by Irish law
and if any claim or dispute arises from your use of the web
site or any of the information on it, you agree that the Irish
courts have exclusive jurisdiction.
2.
Information about some of the products and services on this
web site may be subject to specific restrictions concerning
the persons to whom such information may be made available.
3. The
information on the web site is provided in good faith, taken
from industry, trade and other sources believed to be
reliable. Although we have made all reasonable efforts to
ensure that the information on the site is accurate at the
time of inclusion, we do not recommend that it should be
relied upon as such.
4. The
information contained in this web site is for information
purposes only. Whilst every care has been taken in their
preparation we do not make any warranties or representations
as to their completeness, accuracy or reliability of the
contents of this Site. We neither accept nor assume any
responsibility to you in relation to the contents of this
Site.
5. The
information contained in this web site should not be relied
upon to enter into any investment or property purchase
decision either by placing a deposit or going to auction on
the basis of this information.
6. Be
aware that the sending of information via e-mail over the
Internet may not be secure and can be intercepted by third
parties or incorrectly delivered.
7. There
are some links on our web site to web sites not operated or
maintained by us. We will not be liable in any way for the
content, availability or use of such linked web sites and you
use such links entirely at your own risk.
8. Access
to and use of this web site is at your own risk. We do not
represent or warrant that the use of this web site or any
information accessed from it will not cause damage to
property, including but not limited to loss of data or
computer virus infection. In no event do we accept liability
of any description including liability for negligence for any
damages whatsoever resulting from loss of use, data or profits
arising out of or in connection with the access, use or
performance of this web site or any its contents.
9. The
contents of the web site, including these terms and
conditions, are subject to change by us without prior
notification. Information may be updated from time to time and
may at times be out of date. We accept no responsibility for
keeping the information in this web site current or liability
for any failure to do so.
10. The
information contained within the web site, our logos and
trademarks may not be copied, transmitted or reproduced
without written permission.
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