Terms of Use

This legal notice applies to the entire contents of the Website under the domain name www.sentryadvice.co.uk (“Website”) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website.

PART 1: TERMS OF USE

Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, do not use the Website. This notice is issued by Sentry Advice Limited (“Company”).

1. Introduction
   1. You may access many areas of the Website without registering your details with us. However, certain areas of the Website are only open to you if you are a Sentry Advice client or introducer.
   2. By accessing any part of the Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave the Website immediately.
   3. The Company may revise this legal notice at any time by updating this posting. You should check the Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.
2. Licence
   2. You are permitted to print and download extracts from the Website for your own use on the following basis:
      • no documents or related graphics on the Website are modified in any way;
      • no graphics on the Website are used separately from the corresponding text; and
      • the Company’s copyright and trade mark notices and this permission notice appear in all copies.
   3. Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with clause 2.1 for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.
   4. Subject to clause 2.1, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company’s prior written permission.
   5. Any rights not expressly granted in these terms are reserved.
3. Service access
   3. While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.
   4. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company’s control.
4. Visitor material and conduct
   4. Other than personally identifiable information, which is covered under our Privacy Policy (see “Part 2: Privacy Policy” below), any material you transmit or post to the Website shall be considered non-confidential and non-proprietary. The Company shall have no obligations with respect to such material. The Company and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.
   5. You are prohibited from posting or transmitting to or from the Website any material:
      • that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
      • for which you have not obtained all necessary licences and/or approvals; or
      • which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
      • which is technically harmful (including, without limitation, computer viruses, corrupted data or other malicious software or harmful data).
   6. You may not misuse the Website (including, without limitation, by hacking).
   7. The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 4.2 or clause 4.3.
5. Links to and from other websites
   5. Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.
   6. If you would like to create a link to the Website, you may only do so on the basis that you link to, but do not replicate, the home page of the Website, and subject to the following conditions:
      • you do not remove, distort or otherwise alter the size or appearance of the Company logo;
      • you do not create a frame or any other browser or border environment around the Website;
      • you do not in any way imply that the Company is endorsing any products or services other than its own;
      • you do not misrepresent your relationship with the Company nor present any other false information about the Company;
      • you do not otherwise use any Company trade marks displayed on the Website without express written permission from the Company;
      • you do not link from a website that is not owned by you; and
      • your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.
   7. The Company expressly reserves the right to revoke the right granted in clause 5.2 for breach of these terms and to take any action it deems appropriate.
   8. You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of clause 5.2.
6. Registration
   6. Each registration is for a single user only. The Company does not permit you to share your user name and password with any other person nor with multiple users on a network.
   7. Responsibility for the security of any passwords issued rests with you.
   8. Use of your personal data following registration will be in accordance with our Privacy Policy (see “Part 2: Privacy Policy” below).
7. Disclaimer
   7. While the Company endeavours to ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website. The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.
   8. The material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which, but for this legal notice, might have effect in relation to the Website.
8. Liability
   8. The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company’s group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website.
   9. Nothing in this legal notice shall exclude or limit the Company’s liability for:
      • death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977; or
      • fraud; or
      • misrepresentation as to a fundamental matter; or
      • any liability which cannot be excluded or limited under applicable law.
   10. If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
9. Governing law and jurisdiction

This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.

PART 2: PRIVACY POLICY

For the purposes of this Privacy Notice, Sentry Advice Limited (‘Sentry Advice’) is a data controller as defined in the General Data Protection Regulation (GDPR). This is because Sentry Advice may in some cases determine how your personal information will be used. By personal information, we mean information which, either by itself or combined with other information that is available to us, can be used to identify you, your principals, directors, shareholders or anyone employed by you or engaged by you who may access our online systems. For the purpose of this Privacy Notice, where we refer to “you” or “your” this will also include your principals, directors, shareholders, employees, contractors and workers.

We use your information to provide you with a quote, to process your application and for marketing purposes. We will treat all your information as private and confidential except where we are permitted to disclose your information by law, or where the disclosure is made at your request, or is made with your consent in relation to arranging your loan or mortgage. Where necessary to process your application, your data will be shared with third parties such as the lender, your mortgage provider, joint applicants and credit reference agencies.

The Data Protection Officer for Sentry Advice Financial is Thomas Webster. We are registered with the Information Commissioner (ZA079369)

If you have any questions regarding this Privacy Policy, please email us at office@sentryadvice.co.uk

The information we collect

Personal Information

We only collect personal data relevant to making a loan application.  Such personal data is given directly by you and by people or companies authorised by you to act on your behalf, and it may also include information obtained from those third parties authorised by you to share such information with us, including:

• Your title, full name, your contact details – including your email address, home and mobile telephone numbers;
• Your home address and address history, together with information about your occupier status;
• Your date of birth;
• Your occupation, job title and employment details;
• Identification; which could include your passport details or driving licence reference number;
• Financial situation and financial history, including any County Court Judgements or arrears on other credit.

Data collected from third party sources includes

• Land Registry
• Companies House
• Credit Referencing Agencies (Experian, Equifax and Call Credit)

Information from Credit Referencing Agencies will include your financial situation and financial history, including public information from the electoral register.

We will need this information to;

• Verify the accuracy of the information you have provided us with and
• Prevent criminal activity, fraud and money laundering

For more information on credit referencing checks, please refer to the Terms of Business or Initial Disclosure Document provided to you. 

Technical Information

Internet protocol (IP) address, browser type and version, browser plug-in types and versions, operating system and platform and other technology on the devices used to access www.sentryadvice.co.uk

Profile and Usage Information

Feedback and survey responses, and how you use our website, products and services

Marketing and Communications Information including your preferences in receiving future news and services from Sentry Advice.

Why we need your data?

We will only collect and use your personal information in accordance with data protection laws for the purpose of facilitating your mortgage or credit application.  Our grounds for processing your personal information are as follows:

Consent – Where necessary we will only collect and process your personal information if you have given your consent for us to do so.

For the purposes of our own Legitimate Interests – We may use and process some of your personal information where we have sensible and legitimate business grounds for doing so.  Our grounds for processing your personal information are as follows:

• To communicate with you about your loan application. Being a client of Sentry Advice, we will need to keep you informed about your application throughout via various communication means, including email.  This won’t include marketing communications unless you have given us your consent to receive these.
• For the Management of our own accounting and other business operations;
• To monitor emails, calls and other communications for the processing of your application;
• To respond to case enquires or grievances / complaints
• To notify you about changes to our terms or privacy policy
• Developing statistics for market research and ongoing analysis to improve our website, product / services, marketing, customer relationships and experiences;
• To deal with our good governance requirements

For the purposes of future marketing under Consent – You will be asked for your Consent to receive communications from Sentry Advice in relation to our services and products. We will never sell or pass your details onto third parties.

Where we store your personal data

We currently only store data within the European Economic Area (“EEA”). We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

Once we have received your personal data, we will use (and require our suppliers and partners to use) procedures and security features to try to prevent unauthorised access, unlawful processing, accidental loss or destruction of, or damage to it. However, the transmission of information via the Internet is not completely secure and, while we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our service and any transmission is at your own risk.

How long we keep your data

Unless a longer retention period is required or permitted by law, we will only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Policy or until you request it is deleted.

You will be asked whether you consent to your information being used for marketing purposes. If you consent, the information we use for marketing purposes will be kept with us until you notify us that you no longer wish to receive this information.

If you have any concerns or would like to be removed from future marketing, please contact us office@sentryadvice.co.uk

Disclosure of your information

We will keep your personal data confidential and only disclose it to others for the purposes of facilitating your loan application on behalf of your client, as well as in the following specific circumstances:

• To investigate, prevent or detect fraud or carry out checks against money laundering;
• For audit purposes and to meet obligations to any relevant regulatory authority or taxing authority;
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply any agreements to which you are a party; or to protect our rights, property, or safety, or that of our customers or others (which includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction);
• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; or
• If substantially all of our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets;

Your rights

You have the right to request a copy of the personal information that we hold about you, its origin and any recipients of it as well as the purpose of any data processing carried out.

• Right to access: the right to request copies of your personal information from us;
• Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;
• Right to erase: the right to request that we delete or remove your personal information from our systems;
• Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;
• Right to object: the right to object to our use of your personal information
• Right to data portability: the right to request that we move, copy or transfer your personal information;

If you have any questions or would like to exercise your right under this Privacy Policy, please contact Thomas Webster via the following methods;

Email – office@sentryadvice.co.uk

Phone – 03442 643 575

Address – 89 High Street, Uckfield, East Sussex, TN22 1RJ

We will aim to respond to all requests within 30 days except in instances where the request may be complex. We shall let you know within the 30-day period if we will need more time but no longer than 90 days.

Complaints

If you wish to raise a complaint on how we have handled your personal data, you can contact us to have the matter investigated.

Email – office@sentryadvice.co.uk

Phone – 03442 643 575

Address – 89 High Street, Uckfield, East Sussex, TN22 1RJ

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner’s Office https://ico.org.uk/

We keep our privacy notice under regular review. This privacy notice was last updated on 5^th September 2019