IMAP (UK) Ltd, trading as Homeowner Loans & Mortgages, are authorised and regulated by the Financial Services Authority. Registered office: 78 Chorley New Road, Bolton, BL1 4BY. Registered in England No 5148609.
We are licenced Credit Brokers, holding a Consumer Credit Licence number 558878 issued The Office of Fair Trading (OFT). This enables us to carry out the business of processing loans. We adhere to all industry guidelines issued by the OFT. We are registered under the Data Protection Act (1998), allowing us to offer complete confidentiality to our existing customers, as well as to all our prospective customers. We further adhere strictly to the FISA Code of Conduct, whose principles extend above and beyond those enforced by the Office of Fair Trading under the Consumer Credit Act.

Privacy of your information

Your privacy is extremely important. Any personal data we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1998.

Collecting information

You may browse this website without providing any personal or any other information whatsoever. We use tracking software to monitor visitor traffic patterns and site usage to help us develop the design and layout of the site. This software does not enable us to capture any personally identifying information. We use cookies to analyse advertising effectiveness and manage browsing patterns within the site. These cookies are deleted when the browse is closed. Cookies are anonymous, i.e. they contain no personal information. Most browsers allow you to turn off the cookie function. You can find out more on how cookies work on www.aboutcookies.org To process an application, we will need to collect some information about you. This information includes personal information, contact information, financial information and employment information. We also collect information from third parties such as a search of the files of a credit reference agency.

Credit Reference Agencies' Addresses

You can request a copy of your credit file by writing to the following Credit Referance Agencies, enclosing a cheque or postal order for £2. You will need to tell them your full name and address(es) for the last six years.

Experian Limited Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212
www.experian.co.uk

Equifax plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk

Callcredit plc
One Park Lane
Leeds
West Yorkshire
LS3 1EP
Tel: 0870 060 1414
www.callcredit.co.uk

How we use Collected Information

The information we collect about you will be recorded on a computer. We will only use this information for the purposes registered under the Data Protection Act 1998. We may also share your information with carefully selected third parties outside IMAP (UK) Ltd. We will need to do this to provide you with a mortgage or loan. As brokers, our products and services are provided in conjunction with our business partners who will need to have access to the information we have collected. Unless you have advised us to the contrary, both we and any other broker, lender or third party referred to above may contact you by telephone, letter, e-mail or fax. We may also use this information to protect IMAP (UK) Ltd or others. We may share your information with third parties when we believe it is necessary to comply with the law or protect our or another person's rights, property, or safety. This includes exchanging information with third parties to protect against fraud and reduce payment risks. We 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

We will keep your information for as long as it takes us to provide the service you have requested and your contact details for as long as we have your consent to send you marketing information and/or pass your contact details to third parties. We will keep other information about you if it is necessary for us to do so to comply with the law. Security and Confidentiality

The privacy and security of your information is very important. Imap (UK) Ltd have technology and security policies, rules and measures to protect the personal information we hold about you.

We will take all reasonable steps to protect your information but we will not be liable for any breach of security unless we have been negligent.

Your Consent

We will only collect and store information about you with your consent. In using this web site, you consent to the collection and use of this information by IMAP (UK) Ltd in the ways described above. By submitting your Personal Data you consent to it being processed by IMAP (UK) Limited. To revise your consent, amend or delete your records, contact:

Data Protection Officer,
IMAP (UK) LTD,
109 Tonge Moor Road,
Bolton,
Lancashire,
BL2 2DL .
Tel: 0845 25 75 182
Email: info@imap-uk.com

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and in what circumstances we disclose it.

Contact Details

Should you have any queries or require any information about this Privacy Statement or Imap (UK) Ltd and the Data Protection Act then these should be directed to:

Data Protection Officer,
IMAP (UK) LTD,
109 Tonge Moor Road,
Bolton,
Lancashire,
BL2 2DL .
Tel: 0845 25 75 182
Email: info@imap-uk.com

Other Useful Links

National Debtline
Tel: 0808 808 4000
www.nationaldebtline.org.uk

The Consumer Credit Counselling Service
Tel: 0800 138 111
www.cccs.co.uk

Citizens Advice Bureau
www.citizensadvice.co.uk