Privacy Policy

Starz Co UK Ltd is committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.

1. What information do we collect?
We may collect, store and use the following kinds of personal data:

• information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type, referral source, length of visit and number of page views);
• information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any enquiries you make on our website.
• information that you provide to us for the purpose of registering with us or for one of our services
• information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters
• any other information that you choose to send to us

2. Cookies
A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.

We may use both “session” cookies and “persistent” cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website; we will use the persistent cookies to: enable our website to recognise you when you visit;
Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.
We use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html.
Our advertisers and partners may also send you cookies.
Most browsers allow you to refuse to accept cookies. (For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector.) This will, however, have a negative impact upon the usability of many websites including this one.

3. Using your personal data
Personal data submitted on this website will be used for the purposes specified in this privacy policy or in relevant parts of the website.
We may use your personal information to:
• administer the website;
• improve your browsing experience by personalising the website;
• enable your use of the services available on the website;
• send you email notifications which you have specifically requested;
• redistribute material from this website except for content specifically and expressly made available for redistribution;
• send to you our newsletter and other marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications).
• use your information to keep you informed by post, telephone, e-mail, text messaging or other electronic means, about insurance and financial products and services which may be of interest to you. Your information may also be disclosed and used for these purposes after your policy has lapsed. By providing us with your contact details, you consent to being contacted for these purposes. At that time, we will provide you with a means of opting-out and in addition, you can contact us at any time to have your details removed from lists used by us for direct marketing purposes.
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.

4. Disclosures
We may disclose information about you to [any of our employees, officers, agents, suppliers or subcontractors] insofar as reasonably necessary for the purposes as set out in this privacy policy.
In addition, we may disclose information about you:
• to the extent that we are required to do so by law;
• in connection with any legal proceedings or prospective legal proceedings;
• in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); and
• to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.
Except as provided in this privacy policy, we will not provide your information to third parties.

5. International data transfers
Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this privacy policy.
If you are in the European Economic Area (EEA), information which you provide may be transferred to other countries including the United States which do not have data protection laws equivalent to those in force in the EEA.
In addition personal information that you submit for publication on the website will be published on the internet and may be available, via the internet, around the world.
You expressly agree to such transfers of personal information.

6. Security of your personal data
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall- protected) servers.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

7. Policy amendments
We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.
We may also notify you of changes to our privacy policy by email.

8. Your rights
You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).
You may instruct us not to process your personal data for marketing purposes by email at any time. (In practice, you will usually either expressly agree in advance to our use of your personal data for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal data for marketing purposes.)

9. Third party websites
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.

10. Updating information
Please let us know if the personal information which we hold about you needs to be corrected or updated.
Mortgage Angels is a trading style of Starz Co UK Ltd, registered in England and Wales Company Number: 05476405
Data is collected, processed and maintained in accordance with the Data Protection Act 1998. Registration Number: Z9366697.

Terms of Use

1. Introduction
Your use of this website and the enquiry form is governed by the following terms and conditions. By using this website you accept these terms and conditions in full; if you disagree with any part of these terms and conditions you must not use this website or enquiry form.
This website is for your personal, non-commercial use only.

2. Intellectual property
Unless otherwise stated, we or our licensors own the intellectual property rights in this website and material on the website. Subject to the licence conditions below, all these intellectual property rights are reserved.

3. Licence to use this website
You may view, download for caching purposes only, or print pages from this website for your own personal use only, and subject to the below restrictions.
You may not:
• republish material from this website;
• sell, rent or otherwise sub-license material from this website;
• show any material from the website in public;
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
• edit or attempt to edit or otherwise modify any material on this website;
• redistribute material from this website except for content specifically and expressly made available for redistribution;

4. Access to this website
The information provided by Mortgage Angels on this website is not in any way an invitation or recommendation to buy any particular financial product or service.
Mortgage Angels make no representations or warranties about the suitability of the information provided as part of our service to you. To the extent allowed by the law we disclaim all warranties and conditions with regard to this information including any implied warranties and conditions of satisfactory quality, fitness for a particular purpose and title.
We will endeavour to allow uninterrupted access to this website but access to the website may be suspended, restricted or terminated at any time.
We reserve the right to change, modify, substitute or remove without notice any information on this website as and when we may desire.
We assume no responsibility for the contents of any 3rd party websites which link to this website.

5. Limitations of warranties and liabilities
Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; and while all reasonable efforts will be made we do not commit to ensuring that the website remains available or that the material on the website is kept up-to-date.
To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

We do not hold ourselves out as providing any legal, financial or other advice to you. We do not offer any advice regarding the nature or stability of any particular financial arrangement. We do not make any recommendation or endorsement as to any financial product or service offered by financial advisors who you may be introduced to through our service.
Whilst we will pass on your enquiry to an independent financial advisor, we can accept no liability for the service or information provided by them to you. The independent financial advisor will be supplying their service on their own standard terms and conditions and you should check that you understand and agree to those terms and conditions before you proceed to use their service. Any disputes that you may have are between you and the relevant financial advisor.
Nothing in these terms and conditions (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.
Subject to this, our liability to you in relation to the use of this website or under or in connection with these terms and conditions, whether in contract, tort (including negligence) or otherwise, will be limited as follows:

• to the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature;
• we will not be liable for any consequential, indirect or special loss or damage;
• we will not be liable for any loss of profit, income, revenue, anticipated savings, contracts, business, goodwill, reputation, data or information.

6. Variation
We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.

7. Entire Agreement
This disclaimer together with our privacy policy constitutes the entire agreement between you and us in relation to your use of our website, and supersedes all previous agreements in respect of your use of this website.

8. Law and jurisdiction
This disclaimer will be governed by and construed in accordance with English law and any disputes relating to this disclaimer will be subject to the exclusive jurisdiction of the courts of England and Wales.

9. What to do if you have a complaint
If you wish to register a complaint, please contact us:
• In Writing: Starz Co UK Ltd, Complaints Manager, Angels Houser, 5 Albemarle Road, Beckenham Kent BR3 5HZ