Privacy Policy

We specialise in Mortgage Advice for Subcontractors paid via the Construction Industry Scheme (CIS)

CIS Mortgage Advice LTD Trading as Mortgage Advice Centre and any associated companies (“Mortgage Advice Centre and MortgageAdviceCentre.co.uk” and/or “We”) are committed to protecting and respecting your privacy.

This Global Privacy Policy, together with our Terms and Conditions, our Data Protection Letter (if applicable) and any other documents referred to in any of the aforementioned (together the “Policy”) describes the types of personal information we collect, how we use the information, with whom we share it, how you can exercise your rights on your personal data and the choices you can make about our use of the information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices. In some cases, and where applicable, we may ask you to sign a separate form of letter (“Data Protection Letter”) to indicate your explicit consent to our processing of your personal data for the purposes set out in the Policy. However, please note that the absence of (i) such a request, or (ii) a Data Protection Letter signed by you, is not intended to be conclusive of this issue and we shall be entitled to conclude that, by visiting us at any of our approved web sites; applications; or Portals, or using our other digital assets or agreeing to receive Services from us, you are accepting and consenting to the practices described in the Policy. Notwithstanding this, you have the right to contact us to object to, or make certain requests in relation to, the processing of your personal data (as explained further in the Your Rights section of this policy). Our privacy practices may vary among the countries in which we operate to reflect local practices and legal requirements (“Applicable Data Protection Laws”). In most cases this will be the law of the country in which you are located.

According to Applicable Data Protection Laws, you may be entitled to know the identity of your “Data Controller” i.e. the legal entity which determines why and how your personal data is processed.

Your relevant Data Controller may vary, depending on how you are receiving services from us. For example:

1. Corporate Clients Direct Consumers / Individuals /: CIS Mortgage Advice, as a “Data Processor” within the meaning of Applicable Data Protection Laws, will process any personal data under the Data Controller’s sole instructions, and will take all steps necessary to preserve the security and confidentiality of the personal data, and prevent their alteration, damage, or access by unauthorized persons.

2.Referred / Partners: If you normally deal with one of our business affiliates or associated companies, but have been referred to us to receive specific services at the bequest of that business partner, then that business partner may be your relevant Data Controller. In such case, this Policy may not apply to you and please refer, instead, to that business partner’s privacy policy. Even if this Policy does not directly apply to you, CIS Mortgage Advice, as a Data Processor, will process the personal data under the Data Controller’s sole instructions, and will take all steps necessary to preserve the security and the confidentiality of the personal data, and prevent their alteration, damage, or access by unauthorized persons.

If you have any questions in regard to the above, please contact us at info@CISmortgage.co.uk or using the details set out in the Contact page

Information we collect from you

We may collect personal information (including personally identifiable information or, where relevant, sensitive personal data within the meaning of Applicable Data Protection Law) about you and/or your family (“Your Data”) in the following ways:

  • Information you give us. This is information that you give us by filling in forms on our websites or other digital assets or by corresponding with us by phone, email or otherwise. This includes when you use our websites or other digital assets or inquire about services. The information may include without limitation your name, address, e-mail address, phone number or other contact details, occupation, role/title/area of responsibilities.
  • While we make every effort to ensure that Your Data is accurate, complete and up to date, you can help us considerably in this by promptly notifying us if there are any changes to Your Data (please see the How to Contact Us section below or visit cismortgage.co.uk/contact) We do not collect or process any sensitive data without obtaining your prior explicit consent.
  • Information we collect about you. We, our service providers and other business partners may collect certain information by using automated means, such as cookies, when you interact with our advertisements, mobile applications, or visit our websites, pages or other digital assets. This information may include your IP address, browser type, operating system, the full URLs, referring URLs and information on actions taken or interaction with our digital assets. We may use third-party web analytics services on our websites and other digital assets, to help us analyse how visitors use our websites and other digital assets. We, our service providers and our business partners may also collect information about your activities on our websites and other digital assets for use in providing you with content and advertising tailored to your individual interests. The information collected for these purposes may include details about things like the particular pages or advertisements you view on our websites and the actions you take on our websites and or other digital assets. For more details please see our Cookie Policy below.

Use of Your Data

We may use Your Data in the following ways:

  • to provide you with information regarding our services by post, telephone, email etc.;
  • to notify you about changes to the Services;
  • to operate, evaluate and improve our business (including developing new products and services, troubleshooting, data analysis, testing and research and statistical and survey purposes); managing our communications; determining the effectiveness of and optimizing our advertising; analysing our products, services, websites, mobile applications and any other digital assets; facilitating the functionality of our website, mobile applications and any other digital assets; to ensure the content of our site is presented in the most effective manner for you and for your computer; and performing accounting, auditing, billing, reconciliation and collection activities;
  • as may be required by applicable laws and regulations or requested by any relevant judicial process or governmental agency; and
  • to comply with industry standards and our policies.

Disclosure of Your Data We may share Your Data with:

  • Any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006, subject to the terms of this Global Privacy Policy.
  • Business partners, suppliers and sub-contractors for the performance of the Services (as applicable) or any other contract we enter into with them or you. This currently includes MailChimp, Mandrill, UKFast & PBWorks, Mortgage Advice Centre, Affinity Wills, and Conveyancing Alliance.

We may also disclose Your Data to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose Your Data to the prospective seller or buyer of such business or assets.
  • If CIS Mortgage Advice or substantially all of its assets are acquired by a third party, in which case Your Data may be one of the transferred assets.
  • If we are under a duty to disclose or share Your Data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use or Terms and Conditions and other agreements; or to protect the rights, property, or safety of our group, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and risk reduction.

As the case may be, one or more of the above may be located outside of the European Economic Area.

Storage and transfer of Your Data

The security of Your Data is important to us. We are committed to protecting the information we collect. We maintain administrative, technical and physical safeguards designed to protect the personal information you provide or we collect against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. All information you provide to us is stored on our dedicated managed server behind a firewall. We use SSL encryption on our website from which we may transfer certain personal information. Any passwords are stored using salted and hashed encryption for additional security.

We store Your Data only for as long as it is necessary to fulfil the purpose for which it was collected, unless otherwise required or authorized by Applicable Data Protection Law. We take measures to destroy or permanently de-identify Your Data if required by law or if Your Data is no longer required for the purpose for which we collected it. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website or other digital assets, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect Your Data, we cannot guarantee the security of Your Data transmitted to our websites or other digital assets that are in the public domain; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Your rights

Under Applicable Data Protection Law, you may have certain rights regarding the personal information we maintain about you. We also offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. You can choose not to provide personal information to us. You also may refrain from submitting information directly to us. However, if you do not provide Your Data when requested, or if you exercise your rights you may not be able to benefit from the Services (as applicable), and we may not be able to provide you with information about our products, services and promotions.

To the extent provided by Applicable Data Protection Law, you may withdraw any consent you previously provided to us, or object at any time to the processing of Your Data. We will

apply your preferences going forward. In some circumstances, withdrawing your consent to our use or disclosure of Your Data will mean that you cannot take advantage of certain Services.

In addition you may have the right to: obtain confirmation that we hold personal information about you, request access to and receive information about the personal information we maintain about you, receive copies of the personal information we maintain about you, update and correct inaccuracies in your personal information, object to the processing of your personal information, and have the information blocked, anonymized or deleted, as appropriate. The right to access personal information may be limited in some circumstances by local law requirements including Applicable Data Protection Law. To exercise these rights, please contact info@CISmortgage.co.uk

You have the right to ask us not to process Your Data for marketing purposes. We will inform you (before collecting Your Data) and obtain your prior consent where required by the Applicable Data Protection Law if we intend to use Your Data for such purposes or if we intend to disclose Your Data to any third party for such purposes. You can exercise your right to prevent such processing by advising us of your preferences before we collect Your Data, including on the form that is used to collect Your Data. You can also exercise the right at any time by contacting us at info@CISmortgage.co.uk

The rights above are likely to apply to you if you are based in Europe.

Our website or other digital assets may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

If you provide us with any information or material relating to another individual, you should make sure that the sharing with us and our further use as described to you from time to time is in line with applicable laws, so for example you should duly inform that individual on the processing of her/his personal data and obtain her/his consent, as may be necessary under Applicable Data Protection Laws.

Access to information

Applicable Data Protection Law may give you the right to access information held about you. This will usually be the case where you are based in Europe. Any access request may be subject to a fee, where permitted under Applicable Data Protection Law. Any request should be made in writing, and the best way for you to do so is to contact us at the address stated below. As we must be able to identify the person making the request, and because a fee may be due, we request that you confirm any request made by you via different means by contacting us at the address stated below. Due to technological constraints and/or information security considerations, it may be inappropriate to use social media to supply information in response to any request by you for access to information, and so please provide an alternative delivery address for our response. We may reject requests where we are entitled to do so under Applicable Data Protection Laws, which may include where the request is manifestly unreasonable, in particular due to its repetitive or systematic nature, require disproportionate effort and/or risks the privacy or confidentiality of others.

Data Security and Integrity

The security, integrity and confidentiality of Your Data is very important to us. We have implemented controls to protect Your Data from unauthorised access, modification, disclosure and misuse. We encrypt our data in transit and constantly review new technologies to protect Your Data. Please bear in mind that despite our best efforts to safe guard Your Data, no security measures are perfect or impenetrable.

Changes to our Global Privacy Policy

Any changes we make to our Global Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our Global Privacy Policy.

How to contact us

If you have any questions or comments about this Global Privacy Policy, our privacy practices or if you would like us to update information or preferences you provided to us, please visit https://www.cismortgage.co.uk/contact. You also may e-mail us at: info@CISmortgage.co.uk or write to us at:

Data Protection Officer
CIS Mortgage Advice
PO BOX 12390
Braintree
Essex
CM7 0JW

Cookies

What are Cookies?
Cookies are text files containing small amounts of information, often including a unique identifier, which are downloaded to your computer when you visit a website – if your browser preferences allow it. Cookies are then accessed by the originating website on each subsequent visit. Cookies are useful because they allow a website to recognise a user’s computer.

How are cookies used on our website?
The cookies we use are there to allow you to perform the services you require and to assist us in providing a better website for our users. We do not use cookies to store information that identifies you as an individual. Details on cookies used are provided below. We encourage you to accept the cookies we serve. However, if you wish to restrict or block the cookies which are set by our or any other website, you can do this through your browser settings. Please see the ‘How to control and delete cookies’ section for more information.

Google Analytics
We use Google Analytics cookies to hold information about your visit to our site. This helps us better identify the use and popularity of our services and how successfully the website is functioning. If you do not wish us to do this, you can opt out of the Analytics service by installing an add-on for your browser. This can be found at http://tools.google.com/dlpage/gaoptout.Alternatively you can delete/restrict the cookies as for any other cookie – see ‘How to control and delete cookies’ for more information.

Types of cookies
Session cookies are created temporarily when a user visits a website. Once the user leaves the site/closes the browser, the session cookie is deleted. A persistent cookie file remains on the user’s computer and is re-activated when the user visits the website that created that particular cookie. These cookies expire after a certain period (set in the file), or can be removed manually.

Classification of cookies
The cookies on this website have additionally been categorised based on the categories found in the International Chamber of Commerce (ICC) UK Cookie Guide:

Category

Description

Strictly necessary cookies

These cookies allow the website to remember choices you make [such as your username, language or the region you are in] and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages you can customise. They may also be used to provide services you have asked for such as watching videos or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Functionality cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website.

Targeting/advertising cookies

These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of time you see an advertisement as well as help measure the effectiveness of the advertising campaign.

How to control and delete cookies
You can manage cookie usage through your browser settings. The help function in your preferred browser should provide you with the correct information. Some browsers provide helpful cookie guides:

Chrome: https://support.google.com/chrome/bin/answer.py?hl=en&answer=95647&p=cpn_cookies
Firefox: http://support.mozilla.org/en-US/kb/Cookies
Internet Explorer: http://support.microsoft.com/kb/278835
Safari 11 for Mac: https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac
Opera: http://help.opera.com/Linux/10.50/en/cookies.html
Alternatively, http://www.allaboutcookies.org provides advice on how to do this, and further information on cookies and how to manage them.

N.B. In the case of some mobile devices, it may be necessary to consult the device’s instruction manual to manage cookies effectively.

We Say Yes To CIS

Less than 1 year self-employed

5% Deposit

Less than 3 years in the UK

High day-rate with low net profit

belayet hussain
belayet hussain
13:26 28 Nov 19
I would highly recommend CIS Mortgage 100%. David Sharpstone & his team went above and beyond to helped me secure both my mortgages. He always kept me updated with the process and developments. Buying house is probably one of the most stressful times of your life, However David always reassured and guided us throughout the entire process. understanding, caring yet always remaining professional and supportive. Brilliant I cannot THANK him enough. THANK YOU!!read more
paul montgomery
paul montgomery
10:15 12 Nov 19
Can’t give nothing but praises and thank you to David and CIS Mortgage’s from very first conversation to being offered a Mortgage he and his company kept me informed of every process and explained in every detail of application and history required with nothing but first rate professionalism throughout I will use him in future and recommend him to anyone in the same difficult situation I was in, as I was given bad advice before this company which gave me the feeling would never get on property ladder now David has dealt with my case will be moving into my first home in couple months thank you again David and CIS team. If you’re in difficult situation or just need advice please just call CIS Mortgage’s.Paul.read more
Becca larkin
Becca larkin
11:19 18 Oct 19
If you are thinking about using CIS mortgage, 100% do it! I can't explain how happy my partner and I are with the service. After seeing a previous mortgage adviser who told us we couldn't get a mortgage, David, within days got us a mortgage. So pleased with the outcome and it was so refreshing to speak to someone who completely understands CIS through and through. Amazing!!!read more
Ruaridh black
Ruaridh black
13:56 24 Aug 19
Went directly to a bank for a mortgage with my cis statements and they didn't even consider giving us the mortgage. Me and my wife were gutted as it was our dream home and one we could start a family in together. Thanks to David here we managed to get a mortgage and got the house we wanted! We are now expecting our our first child and in our dream home! Wouldn't have been possible to get the house/mortgage without them so very appreciative. Fast and professional and would recommend them to anyone who works under the CIS payment scheme and are self employed.read more
P. Jiten
P. Jiten
09:56 17 Aug 19
For CIS self employed people this is the best company in UK. Got mortgage in principle certificate after submitting required documents and mortgage approved in 10 days after submitting file. Hassle free process throughout and any question or query promptly answered. David and Lisa are amazing people to work with.read more
Michelle Perrin
Michelle Perrin
09:28 17 Aug 19
My husband and myself have been dealing with David since our first property purchase in 2012. David has a vast amount of knowledge, has always put us at ease and answered our questions throughout the process. David is great to deal with, always goes above and beyond and we have already recommended him to several of our friends and family, one of which is nearing completion of their first home. Always fantastic service, highly recommend CIS Mortgage Adviceread more
Veronica Grosu
Veronica Grosu
09:36 12 Aug 19
Fantastic service from start to finish. David made it simple and effective for us. We are very happy with the outcome. I would definitely recommend!read more
Rob
Rob
09:23 18 Jul 19
David has been faultless from the beginning and helped me and my girlfriend out loads and without him we would not be moved into the house we are in now. He understands the difficulties of being a CIS worker with mortgages and gives you the best advice he can and is very quick on the ball at getting stuff sorted. My case I appointed him for was more complex than most I would say due to being self employed and having a limited company but he had no trouble with achieving me a great mortgage deal and borrowing amount with the information I gave him. It has been a pleasure to deal with david through buying this property and I shall definitely be using him on any future purchases or remortgages. Nothing was ever to difficult for him and he was always just at the end of the phone when you needed him even after his working hours he went above and beyond by helping me with help to buy also.read more
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