Privacy Statements (Page 2)
Credit Referencing
We may undertake a search with Credit Reference Agencies for the purposes of verifying identity and the details submitted, in line with regulatory requirements. The Credit Reference Agencies may check the details supplied against any database (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. A record of the search will be retained, but will not affect future credit. By proceeding with this application you are agreeing to a search being undertaken in this way.
We use the following credit reference agencies for credit searches and identity checks:
Experian |
Equifax |
Consumer Help Service |
Credit File Advice Centre |
You have the right to apply directly to them for details of information, which they hold about you, subject to payment of a fee, currently £2. You should ensure that your letter includes:
Your full name: Title, Forename, 2nd Initial, Surname (and maiden name, if appropriate)
Details of all addresses you have lived at over the last 6 years - including town, county, postcode and date moved in
A cheque or postal order, payable to either Equifax or Experian, for £2.00
The date and your signature to authorise the Credit File request
Implications of a credit search
Whether or not your application to us is successful, each agency will add details of the search and your application to their records. This information will be shared with other lenders and grantors of credit and insurance who will use it when assessing any applications for banking, loan, hire facilities or insurance, which you or a member of your household may make in future. They will use it for fraud prevention, debt recovery and tracing debtors. The agencies may also use the information for statistical analysis and market research.
Money laundering and statutory obligations
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and address of our customers. We may need to do this whether you are applying to be a new customer or have been one for some time. We may ask you to provide physical forms of identity verification or alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity.
Telephone Calls
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
Security features about our site
We use a secure encryption through a secure socket layer. This is the Internet standard for the secure transmission of data.
When you log in the browser window will become secure to protect your information. You know this window is secure because your browser will show a padlock or key at the bottom right hand side of your screen.
If you correspond with us via e-mail, you should be alerted that these messages are not always secure. You should therefore consider the information you are communicating before you send it.
Crystal Clear Commercial Mortgages will respect the confidentiality of your information and we will limit the content of any e-mail we create to reflect the security limitations that currently exist within the Internet. Should you therefore require us to respond, it is essential that you provide your full name and address to enable us to provide a written response.
When you visit our website, a certain amount of information is retained regarding the event to enable us to understand the profile of our visitors. The information retained includes the IP address and/or the domain name of the visitors. Cookies may be used to personalise your visit to this site.
Cookies
Cookies are pieces of data created when you visit a website. The cookies our site uses are 'session cookies', which store information while you move around the site. You can set your computer not to accept cookies if you so wish. This will not in any way affect your ability to access the information on the site.
The Crystal Clear Commercial Mortgages Mortgages website uses session cookies and log files to facilitate the smooth running of the site. It does not use cookies to collect any personal information about you except that required for system administration of our web server. Session cookies are deleted when you close your browser.
