Legal

Legal Disclaimer

The content of this website is managed by Abba Loans & Mortgages.. The products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status. By accessing and using this website you are agreeing to our Conditions of Use and Privacy statement. If users have questions regarding our policies please contact us by e-mailing webmaster@abbaloans.co.uk

Telephone calls may be recorded for training and security purposes.

Company Information

Abba Loans & Mortgages
594 Alexandra Parade
Glasgow G31 3BS

Your Personal Information

We will treat all your information as private and confidential (even when you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan or mortgage. Where your application has been introduced by a third party, for example another broker, we may disclose information concerning the progress of your application to them. We will be pleased to confirm if this is the case.

We will store the information about you on computer and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998.This may include sharing your information with other companies in the Abba Loans and Mortgages Group.

Should you have any questions or comments regarding our data protection policy or any matter referred to in our policy please contact us at the address below:

Abba Loans & Mortgages
594 Alexandra Parade
Glasgow G31 3BS

Accuracy & Liability

Whilst we try to ensure that all information on our website is accurate and up-to-date, errors may occur. If we discover an error, we will amend the website as soon as reasonably possible, however you should always check any information on the Site before making any decisions based on that information.

Except in the event of death or personal injury caused by our negligent acts or omissions, we shall not be liable in any way fro any damages arising in contract, tort (including negligence) or otherwise in respect of loss or damage arising out of or in connection with your use of the Site. In no event will Abba loans & Mortgages be liable for any direct, indirect or consequential damages in contract or tort (including negligence), including theft, loss or damage to property or relating claims made by third parties.

This Site may contain links to third party websites which are not under the control of Abba Loans & Mortgages. Abba Loans & Mortgages are not responsible for the material on such third party Sites, links to which are provided solely as a convenience.

Future Marketing

Unless you advise us to the contrary, both we and any other broker or lender we refer your application to may contact you by letter, e-mail or fax to offer other products which they feel may be of interest to you.

If you do not wish to be contacted by Abba Loans & Mortgages (or other companies in the Abba Loans and Mortgages Group) offering other products which we think may be of interest to you please write to the Data Protection Officer as above, or e-mail your name and address (including postcode) to unsubscribe@abbaloans.co.uk

Information Collection and Use

Abba Loans & Mortgages is the sole owner of the information collected. We collect information from our users at several different points on our site.

Application Form

We may request information from you on our application form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). This information is used in consideration of your loan application. We use the information to contact you regarding your application.

Cookies, Log Files, Clear Gifs

We store information that we collect through cookies, log files, clear gif's, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users. We do not share your profile or personally identifiable information with any third party outside of the Abba Loans and Mortgages Group of Companies.

Cookies

A cookie is a piece of data stored on the users computer tied to information about the user. We use session ID cookies only; once users close the browser, the cookie simply terminates.

By setting a cookie on our site, we allocate each visitor a Unique Reference which follows them throughout the site. This Unique Reference is logged along with referring domain information and just your email address only in the event you make a loan application. If you do not make a loan application, only your referring domain information is stored.

Log Files

Like most standard web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider(ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track users movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc are not linked to personally identifiable information.

Clear Gifs (Web beacons/Web bugs)

On occasion, we employ a software technology called clear gifs that help us monitor the effectiveness on certain marketing and advertising which we do across the internet. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users.

Third Party Advertisers

Abba Loans and Mortgages shares web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements across the internet. The information we may share with them is not personally identifiable in any way to any of our users.

Links

This web site may contain links to other sites from time to time. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

If however, we are going to use users personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a notice on our web site notifying users of the change.

Credit Searches

We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity.

By stating a financial association with another party, you are also declaring that you are entitled to:

• disclose information about your joint applicant and/or anyone else referred to by you.
• authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt. Additional searches may be made by lenders to whom your application is referred and further searches may be required if our initial searches become out of date.