Legal Notices

Welcome to this website ("Site"), which is owned and operated by Mortgage Extra. Mortgage Extra maintains the Site as a service to its visitors, subject to the following terms and conditions concerning the use of the Site ("Terms of Use"). When you use the Site, you accept the Terms of Use; if you do not agree to the Terms of Use you may not use the Site. Mortgage Extra reserves the right to modify content on the Site and these Terms of Use periodically without prior notice and accordingly you are advised to keep up to date with the changes by regularly reviewing the Terms of Use.

Regulatory Statements

Mortgage Extra is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 300499. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Buy to let products (where the resident is not related to the borrower) are not regulated by the Fiancial Services Authority. Home reversion schemes are not regulated by the Financial Services Authority.

Third Party Websites and Information

The Site may provide hyperlinks to third party websites or access to third party content. Mortgage Extra does not control, endorse or guarantee content found in such sites. You agree that Mortgage Extra is not responsible for any content, associated links, resources or services associated with a third party site. You further agree that Mortgage Extra shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

Proprietary Marks

MortgageExtra.co.uk, MortgageExtra.com, Mortgage-extra.co.uk, Mortgage-extra.com are trade marks of Mortgage Extra Ltd. Mortgage Extra logo and house symbol are registered trade marks of Mortgage Extra Ltd. All rights are reserved.

Intellectual Property

Mortgage Extra Ltd own copyrights in this site and in all material published on it. These are protected by copyright laws and treaties around the world. All our rights are reserved. You may print off one copy of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted. Our status as the authors of material on this site should always be acknowledged. If you wish to make any use of material on our site other than that set out above, please address your request to enquiries@mortgage-extra.com

Privacy Policy

This policy sets out the basis on which your personal data will be processed by us. For the purpose of the Data Protection Act 1998 ("the Act") the data controller is Mortgage Extra, The Lodge, Church Lane, Bocking, Braintree, Essex CM7 5RX

Information collected

We collect the following data from you:

i. Information that you provide by filling in forms on our site. This includes information provided at the time of registration or at the time of posting material or requesting further services.

ii. Information about your computer including where available your IP address, operating system and browser type.

iii. Information about your internet usage obtained using a cookie file that is stored on the hard drive of your computer.

Uses made of the information

We use information held about you in the following ways:

to ensure that content from our website is presented in the most effective manner for you and for your computer. to provide you with information and services that you have requested from us.
to allow you to participate in interactive features of our service where you have chosen to do so. to help us understand what services and information you are most interested in.
to notify you about changes to our service.

In accordance with the Data Protection Act 1998, Mortgage Extra does not pass on any information to third parties except where this is explicit - for example where details are recorded for an event being held with a third party. You have the right to request us not to send such information or to pass information to third parties for such purposes. You can exercise that right by contacting enquiries@mortgage-extra.com. You may also refuse to accept cookies by de-activating the setting on your browser, which allows you to refuse the setting of cookies.

Accessing and updating your information

The Act gives you various rights including the right to access information held about you. Your right to access can be exercised in accordance with the Act. You may request a copy of the information that we have about you at any time by contacting enquiries@mortgage-extra.com or writing to Mortgage Extra, The Lodge, Bocking, Braintree, Essex CM7 5RX

Security of information

We store personal information on secure servers with access limited to authorised personnel. We will not release personal details to third parties and we may request proof of identity before we will release the information to you. Questions about this privacy policy can be addressed to enquiries@mortgage-extra.com.

Contact

If you have any questions regarding these Terms of Use then please contact Mortgage Extra on legal@mortgage-extra.com.

Use of cookies

Mortgage-Extra.com collects information about your preferences in relation to this site by analysing site traffic, which includes the use of cookies. Cookies are pieces of computer code which are stored on your computer and which allow us to recognise the fact that you have visited our site previously. Most browsers can be altered to prevent your computer from accepting cookies, although this may mean that some of the features of this site will not work properly.

1. Information on visitors During the course of any visit to Mortgage-Extra.com, the pages you see, along with something called a cookie, are downloaded to your computer. Most, if not all, websites do this, because cookies allow the website publisher to do useful things like find out whether the computer (and probably its user) has visited the site before. This is done on a repeat visit by checking to see, and finding, the cookie left there on the last visit. Any information that is supplied by cookies can help us to provide you with a better service and assists us to analyse the profile of our visitors. Mortgage-Extra.com uses this type of information to help it improve the services to its users.

2. How to find and control your cookies If you're using Netscape 6.0:

On your Task Bar, click: Edit, then Preferences
Click on Advanced Click on Cookie

If you're using Internet Explorer 6.0: Choose Tools, then Internet Options

Click the Privacy Tab Click on Custom Level
Click on the 'Advanced' button Check the 'override automatic cookie handing' box and select Accept, Block or Prompt for action as appropriate.

If you're using Internet Explorer 5.0 or 5.5: Choose Tools, then Internet Options

Click the Security tab Click on Custom Level Scroll down to the sixth option to see how cookies are handled by IE5 and change to Accept, Disable, or Prompt for action as appropriate.

If you're using Internet Explorer 4.0: Choose View, then Internet Options

Click the Advanced tab Scroll down to the yellow exclamation icon under Security and choose one of the three options to regulate your use of cookies.

In Internet Explorer 3.0: You can View, Options, Advanced, then click on the button that says Warn before Accepting Cookies.

If you're using Netscape Communicator 4.0: On your Task Bar, click:
Edit, then Preferences Click on Advanced Set your options in the box that says Cookies.

3. How do you know which of the sites you've visited use cookies?

If you're using Netscape 6.0: On your Task Bar, click:
Edit, then Preferences Click on Advanced Click on Cookies
Click the View Cookies button If you're using Internet Explorer 5.0 or 6.0:
Choose Tools, then Internet Options Click the General tab Click Settings View Files

If you're using Internet Explorer 4.0 Choose Tools, then Internet Options

Under the tab General (the default tab) click Settings View Files

If you're using Internet Explorer 3.0 On your Task Bar, click:

View Options Advanced View Files. Netscape Communicator 4.0:
Netscape bundles all cookies into one file on your hard drive. You'll need to find the file, which it calls Cookie.txt on Windows machines.

4. How to see your cookie code:

Just click on a cookie to open it.
You'll see a short string of text and numbers.
The numbers are your identification card, which can only be seen by the server that gave you the cookie.

You consent by disclosing your personal information to Mortgage-Extra.com, you consent to the collection, storage and processing of your personal information in the manner set out in this privacy policy.