TERMS & CONDITIONS

Adverse Mortgages.Fast easy online mortgage and loan service for UK residents. The Adverse Mortgages website is an independent marketing website and not a lender. We pass on enquiries to financial service providers and cannot offer financial advice. Adverse Mortgages is not responsible or liable for any financial service, loan or mortgage product obtained through a third party. A loan or mortgage enquiry from this website does not constitute an offer to provide a loan or mortgage.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adverse Mortgages is a trading style of Perception Internet Ltd.

DATA PROTECTION ACT 1998

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Adverse Mortgages ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us.

I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the Lender will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other lenders for these purposes)

iii. to disclose the Data to any other company within the Lender's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application;

iv. to disclose the Data to any third party who replaces or who may replace my/our Lender.

PREVENTION OF MONEY LAUNDERING

The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

RIGHT OF SUBJECT ACCESS

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

PERSONAL DETAILS AND DATA PRIVACY

By providing this information including telephone numbers and email addresses, you agree to be contacted in this way by Adverse Mortgages , our marketing service partners , The Trading Floor and their clients.

If you proceed with your application the personal details which you submit to us (Personal Data) are held by Adverse Mortgages for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Adverse Mortgages may use the Personal Data for the purposes of contacting you by post, telephone or electronic means regarding your application or for a use that has been notified to the Office of Information.