Park Gate (Mortgage & Protection) Limited is committed to ensuring that your privacy is protected. This privacy policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.

1. The information we collect and how we use it

As you may be aware, the UK is one of the most highly regulated financial centres in the world. This is to safeguard the interests of consumers and other persons purchasing and being advised about investments, insurance and other financial products and in use of their personal data. Against this backdrop, we are required to make certain regulatory and statutory declarations to you.

If instructed by you, we collect data during our initial and other meetings with you about you and your family. We will also be collecting data about you and your family from other persons. We collect the data through note taking and filling in of questionnaires about you and your family’s circumstances.

We may make checks with credit rating agencies and Institutions with whom you have policies of insurance and investments and with your mortgage provider. The scope and extent of the gathering of information from third parties depends on what type of service you are taking from us.

The Financial Services Authority is responsible for ensuring that the advice we provide to you is compliant with the regulatory regime in the United Kingdom. Your data therefore may be passed to the Financial Conduct Authority for regulatory and other purposes.

Primarily, we use your data and data about your family’s circumstances to provide advice to you and complete transactions on your behalf. We analyse and assess your data to maintain and develop our relationships with you.

Depending on the instructions we receive from you, we may pass your data to other professional advisers to enable us to provide advice most suited to your circumstances. Usually, this would be a referral to local accountants, solicitors, tax advisers and sometimes to specialist advisers in the financial and insurance industry where we do not feel we have appropriate expertise. We, and any third party specialist advisers to whom we introduce you, will, of course, pass your data to Institutions if you agree to purchase or amend policies and products as part of the sales and advice process.

We may pass your data to the Financial Conduct Authority so they can monitor the sales and advice process that we are obliged to use. This includes money laundering checks, compliance and regulatory reporting and fraud prevention. Copies of the files we create about you may be retained by the Financial Conduct Authority in order for them to investigate any concerns you or any appropriate authorities may have about the sales and advice we give to you.

Park Gate (Mortgage & Protection) Limited will retain your data for a minimum of six years according to the statutory requirements for regulatory products.

You data is held in our office in computer-based and paper-based filing systems.

We will not process your information in countries that are outside the European Economic Area, although some product providers may. They will have to take steps to ensure the same level of protection for your personal information in other countries as in the European Economic Area.

2. Your right to a copy of your personal data

Under the Data Protection Act you have a right, upon payment of a fee, currently £10, to obtain a copy of the personal information that we holds about you. If you believe that any information held is incorrect or incomplete, you should contact us at our usual address. Any information that is found to be incorrect or incomplete will be amended promptly. I confirm that we are at all times committed to making sure that, as you are a customer of ours and you will receive the best service and products available in the marketplace.

3. Updating your details

If any information that you have provided to Park Gate (Mortgage & Protection) Limited changes, for example if you change your e-mail address, name or address, please let us know the correct details by sending an e-mail to info@parkgate.net or by telephone on 01489 580020.

4. Your consent

By submitting this information you consent to the use of the information as set out in this policy. If we change our privacy policy we will post the changes on this page, and we may place notices on other pages of the website, so that you may be aware of the information we collect and how we use it at all times. Continued use of our service will signify that you agree to such changes.

5. Operation of Website

As a result of the operation of the website or your use of the website and also in connection with the services provided by Park Gate (Mortgage & Protection) Limited (“Services”), we may obtain certain information about you. The Privacy Policy sets out the principles governing our processing and use of that information.

By your access and use of the website you agree to our processing, storing and use of that information in accordance with the principles set out in this Privacy Policy.

We respect your privacy and will not make available information about you or your customers to persons outside of Park Gate (Mortgage & Protection) Limited except to the limited extent specified in this Privacy Policy or with your explicit consent.

We may pass information we obtain about you to Providers to enable:

(a) us to provide or for you to receive and/or pay for both current and future services you to receive information you have requested to be sent to you in order to fulfill a request you may have made.

(b) us to improve current services and offer new services we provide through the website.

If you have consented we may periodically send you information relating to products/services from Park Gate (Mortgage & Protection) Limited and any companies we feel would benefit you now or in the future.

You will also be given the option to opt out of receiving email communications on each email sent to you.

Our website may link to other websites. We are not responsible for the privacy policies of any other person or for the content of any other website. You should ensure yourself of the privacy policy and procedures applicable to such other websites and of the persons operating and controlling such other websites.

Whilst we do take reasonable steps to keep information about you secure when in our possession we cannot guarantee the security of any information you disclose on-line. You accept the inherent security implications of providing information over the Internet and will not hold us responsible for any breach of security or disclosure of your information unless we have been negligent.

You agree that we may disclose any information requested or required relating to you to any regulatory authority to which we are subject or to any person in power to require such information by or under any legal enactment or where a third party has provided to our reasonable satisfaction written confirmation that it genuinely and reasonably believes your use of the site has been defamatory or otherwise unlawful and further that the disclosure of your data is necessary

(a) for the purpose of, or in connection with, any legal proceedings
(including prospective legal proceedings), or

(b) for the purpose of obtaining legal advice, or is otherwise necessary for
the purposes of establishing, exercising or defending legal rights.

6. How to contact Park Gate (Mortgage & Protection) Limited

We have tried to design this site to make it easy and simple to use for all level of users, should you wish to make comment about the site, have any suggestions for improvements or any queries, you can do this by ending us an email to info@parkgate.net with “comment, improvement or queries” in the subject line.

Or write to: –

Park Gate (Mortgage & Protection) Limited

1631 Parkway, Solent Business Park, Fareham, Hampshire PO15 7AH

Telephone: 01489 580020

E-mail: info@parkgate.net

Mortgages
life insurance
home insurance
equity release

We offer whole of market advice for all types of customers, whether you are a first time buyer, home mover or looking to purchase a buy to let property. Being independent we are able to offer impartial advice from the whole of the market to ensure you get the product that suits your financial needs.

Whether you are looking to protect your mortgage payments or your family, we provide independent advice for life insurance, critical illness cover and income protection from a wide range of providers.

Buildings Insurance is a requirement when you complete on a mortgage the cover is to provide security to the lender, the insurance covers the main structure of your home. It will cover you for subsidence, storm, flood, fire or smoke damage and cover the costs of rebuilding or repair.

Equity release is a way of releasing cash from your property, either through selling a percentage to the reversion company or taking a mortgage on it, while allowing you, the homeowner to continue living there as long as you wish.