Legal and privacy policy

The products and services featured on this website are only available to residents of the United Kingdom aged 18 or over and are subject to status. By accessing and using this website you are agreeing to our Terms of Use and Privacy Policy. If users have questions regarding our Terms of Use and Privacy Policy please contact us by e-mailing compliance@commercialtrust.co.uk.

Terms of Use

Introduction

This website www.commercialtrust.co.uk ("Website") is owned and provided by Commercial Trust Limited.

References to "you" and "your" in these Terms of Use are to a person who accesses and/or uses the Website. References to "we" and "us" in these Terms of Use are to Commercial Trust Limited.

Commercial Trust Limited is a company registered in England and Wales under company number 8633445, whose registered office is at St. Crispins House, Duke Street, Norwich NR3 1PD.

We are authorised and regulated by the Financial Conduct Authority, registration number 610175. Our VAT number is 765 3535 12.

Your agreement to the Terms of Use

Your access to, and use of, this Website is subject to these Terms of Use and to our Privacy Policy.

By accessing and using this website (including by downloading any document that can be downloaded from or via this Website) you agree that these Terms of Use and our Privacy Policy apply to you and to your access to, and use of, this website and that you will be bound by, and comply with, these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use and our privacy Policy you must stop using this Website immediately and must not download any material from or via this Website.

Permitted use of this website

You may access and use this Website only to find out about and make applications for mortgages and other products in respect of which we act as a broker and to seek general guidance on matters of relevance to the letting of property.  Any other use (including any use that is not for you personally or in connection with your own business involving the letting of residential property) is not allowed.  So, for example, you may not access and use this Website on behalf of someone else and/or in connection with a business other than your own business involving the letting of residential property.  

If you provide any information or material on, downloadable from, linked to from, or accessible via, this Website to another person you will be responsible to us for their use of, and reliance on, that information or material in the same way that you would be if their use of, or reliance on, that information or material was use of, or reliance on, that information or material by you.

Access to this website

Access to this and any other websites we may provide is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this Website or any other such websites without notice (see below). We will not be liable if for any reason this Website or any other such website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts (or all) of this Website or any other of our websites to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if we believe that you have not complied with any of the provisions of these Terms of Use. You are responsible for making all arrangements necessary for you to have access to this Website and of our other websites. You are also responsible for ensuring that all persons who access this Website and of our other websites through your internet connection are aware of these terms, and that they comply with them.

Limitation of our liability in respect of the use and content of this Website

Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence.

We will use our reasonable endeavours to correct any errors on this Website and on material downloadable directly from it within a reasonable time of being made aware of them, but neither we nor anyone else represents, warrants or guarantees that information or material on, downloadable from, linked to from, or accessible via, this Website:

• was, is or will be accurate or complete at any time
• is suitable for any particular purpose or in any particular circumstances.

You acknowledge that information or material on, downloadable from, linked to from, or accessible via, this Website may contain inaccuracies or errors and may be incomplete and not fit for any purpose that you or anyone else intends to use it.

We do not accept any responsibility for any content or any other aspect (including links) of any website to which the Website may be linked (“Linked Sites”) or sites linked to from any Linked Sites.

Regardless of what may be stated to the contrary therein, we make no representation that any information or material on, downloadable from, linked to from, or accessible via, this Website is suitable for any particular circumstances or any particular purpose.

No information or material on, downloadable from, linked to from, or accessible via, this Website constitutes advice and we accept no responsibility for any reliance that may be placed on it or as a result of its use for any purpose or in any circumstances.

You agree not seek to place reliance on material on, downloadable from, linked to from, or accessible via, this Website in any way which may create a liability of us to you or any other person.

You acknowledge that, before using any information or material on, downloadable from, linked to from, or accessible via, this Website in any way that may create a liability for you or any other person or that may cause you or any other person to suffer harm or loss, you will seek the advice of a suitably qualified person regarding the suitability of such information or material for the purpose for which you or such other person intends to use the same and that you or such other person will make all necessary deletions from or amendments or additions thereto as may be necessary to make the same suitable for their intended purpose.

Your indemnity of us in relation to this Website

IMPORTANT – IF YOU DO NOT UNDERSTAND THE IMPLICATIONS FOR YOU OF THIS INDEMNITY YOU SHOULD TAKE ADVICE BEFORE USING INFORMATION OR MATERIAL ON, DOWNLOADABLE FROM, LINKED TO FROM, OR ACCESSIBLE VIA,THIS WEBSITE

You will indemnify us for all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses) suffered or incurred by us arising out of use by you (or by others where this has been facilitated by you, including, for example, use of your equipment, connections, web access or other facilities) of any information or material on, downloadable from, linked to from, or accessible via, this Website.

Links

Any links on this Website to Linked Sites are for your convenience and to provide further information.  They do not signify that we endorse the Linked Site(s).

We are not responsible for the content or operation of websites that are not run by us and your use of any website other than this Website (including Linked Sites) will be governed by the terms and conditions of use and privacy policy applicable to that website.  These are likely to be different to those that apply to this Website.

It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any other website when you use that website.

Changes to Terms of Use

We may change these Terms of Use at any time and will always post the current version on this Website.  If you continue to use this Website after a change to the Terms of Use you will be deemed to have agreed to the Terms of Use as changed.  You are, therefore, advised to check this part of the Website regularly.

Intellectual property rights

We are, or are licensed by, the owner in respect of all intellectual property rights in this Website and in the materials published on it.  Those materials are legally protected.

If you print off, copy or download materials from the Website (which you may do, but only for your personal use) you must not:

  • alter those materials
  • use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text; or
  • unless we have given our consent in writing, use any part of those materials for any commercial purpose.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by, and construed in accordance with, the laws of England and Wales.

Privacy policy

Your personal information

To provide the highest level of customer service we need accurate customer information. You can help by informing us whenever your circumstances change, either by telephone or post.

How we use your personal information

We will treat all your information as private and confidential (even when you are no longer a client) and we will not give it to anyone else unless this is done at your request or with your consent, or where we have to provide it to meet a legal obligation or to comply with the rules of a regulator.

Our main use of your personal information is to assist you in your application for a mortgage or to provide some other specific service that you have asked us about.  To do this we may also need to pass information about you to others parties such as lenders, credit reference agencies, firms that can help us verify your identity and other information about you and other firms that help us detect and prevent fraud.

If you have given your permission to pass information about you to other companies in the same group of companies as us ("Sister Companies") and to others that may contact you from time to time by post, fax, e-mail, SMS or telephone to bring to your attention additional products or services that may be of interest or benefit to you; you may choose to no longer be contacted by us or any of our Sister Companies as us with information about other such products. Please write with a request to be excluded from marketing by us and/or our Sister Companies and/or other third parties to:

Data Protection Officer
Commercial Trust Limited
St Crispin's House
Duke Street
Norwich
NR3 1PD

Occasionally, regulators may audit a sample of our customer records to assess our compliance with their rules. In such cases strict confidentiality conditions apply.

Your right to access information that we hold about you

We may process and store information about you electronically and/or in manual records.

We will process your personal data in accordance with the terms of the Data Protection Act 1998 (the "DPA").

Under the DPA you have the right, at any time, to obtain the information we hold about you on our records. The DPA allows us to charge a £10.00 fee for this service.

Passing of enquiries to third parties

We pass enquiries for some types of loan to a third party mortgage broker that we work with.

If your enquiry is one that we would pass on you will, before you submit your personal details via an enquiry form on our website, be asked if you agree to us passing your personal details to a third party broker and to them contacting you by letter, email or telephone, regarding their service.

If you see this request but do not wish your details to be shared or used in this way do not send us your personal details.

If you are not asked to agree to your details being passed to a third party broker this is because your enquiry is being handled by Commercial Trust only.

Credit searches

When you apply for a mortgage, the details you provide to us, any information we already hold about you and information from credit reference agencies is used to assess credit risk using a technique called credit scoring.

A number of aspects of this information help mortgage lenders assess the risk and determine what mortgages they are willing to offer you.

If you apply for any credit based products (e.g. mortgage or secured loan), a search will be performed with a credit reference agency. The agency will keep a record of the search.

When you apply for a mortgage a search may also be made of public records, such as the Electoral Roll, that are available from credit reference agencies and others to help verify your identity.

Associations linking your financial records may be created on credit reference agency records when you apply for a mortgage in joint names. Your financial records, and those of anyone financially associated with you, may be considered in any future applications you make.  This information may also be used for debt tracing and to assist in the prevention of money laundering, as well as in the management of your account.

To prevent or detect fraud, or to assist in verifying your identity, we may make searches of records held by our Sister Companies and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to help protect us and our customers from theft and fraud.

If you give us false or inaccurate information and we suspect fraud, we will record this. We, our Sister Companies, and others may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.

You have the right to apply to the credit reference agencies for a copy of your credit file.  If there is anything incorrect on your file, you have the right to ask the agency to add a notice of correction.  We use Equifax Plc and/or Experian Limited for credit referencing. These are their contact details:

  • Experian Ltd
    Consumer Help Service
    PO Box 8000
    Nottingham
    NG1 5GX
    Tel: 0870 241 6212
    www.experian.co.uk

Automatic gathering of information by our websites

Like many businesses on the internet, we use Google Analytics to collect information about how visitors use our websites, including this Website.

To do this we use something called a cookie.  A cookie is a piece of data stored on the user's computer tied to information about the user.

We use the information to compile reports and to help us improve this Website and our other websites.  The information that the cookies enable us to collect, including the number of visitors to this Website, where visitors have come to this Website from and the pages they have visited.  The information that we obtain using Google Analytics is anonymous - it does not identify you personally.

We also use a few essential cookies in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for cannot be provided. These cookies are deleted when you close your browser.

You may be able to stop this Website (and other websites) from using cookies but if you do so this may mean that you cannot use some of the features of this Website or other websites.

If you want to know more about how you may be able to stop us and others using cookies please refer to your browser help facility.

More information about the use of cookies can be found at www.allaboutcookies.org and there is information about Google Analytics at www.google.com/analytics/.

We may also use the SessionCam web site recording service on the Website. SessionCam may record mouse clicks, mouse movements, page scrolling and text keyed into website forms. The information collected does not include bank details or any sensitive personal data. Data collected by SessionCam from the Website is for our internal use only. The information collected is used to improve website usability and is stored and used for aggregated and statistical reporting.

Changes to privacy policy

We may change our Privacy Policy from time to time.  This Website will always show the current version of our Privacy Policy.  We may also reflect any changes anywhere else that we feel appropriate.

We will use information in accordance with the privacy policy under which the information was collected.  If however, we would like to use your personally identifiable information in a way that is different to that stated when we collected that information we will notify you by email or post.  You can then choose whether or not we can use your information in this different way.  If, however, you have asked not to be contacted by us we will not contact you and we will not be able to use your personal information in this new way. Also, if we make any material changes in our privacy practices that do not affect information that we hold about you we will put a notice on our web site notifying users of the change.

Telephone calls

If you call us or we call you by telephone the call may be recorded for monitoring and staff training purposes. Recordings will only be used under proper and careful supervision.

Complaints

What happens when things go wrong?

You can expect us to be prompt, efficient and friendly when dealing with you.  Our aim is to provide you with a world class, professional and confidential service.  If you have a complaint about any aspect of the service you have received from us our staff will be happy to help resolve your concerns.

Please bring your concerns to our attention as soon as possible - the sooner we know about it the sooner that we can resolve it.

We have formal complaints procedures to ensure that your complaint is handled quickly, fairly and efficiently - a leaflet with details of this process is available on request.

Your complaint (whether received by telephone, letter, e-mail or fax) will be looked into by one of our senior managers.

We will tell you if we need information from someone else to help us look into your complaint and, where necessary, we will get your written approval before seeking information for others in connection with your complaint.

For further information, or to make a complaint, please contact:

Compliance Manager
Commercial Mortgages Limited
St Crispin's House
Duke Street
Norwich
NR3 1PD

Tel: 01603 217987

If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service.  Our staff will assist you with this.

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Tel: 0845 080 1800
Web site: www.financial-ombudsman.org.uk


Why work with Commercial Trust?

100% unbiased recommendations 100% unbiased recommendations
100% unbiased recommendations

We are not tied to or incentivised by lenders.

Expert advice Expert advice
Expert advice

We are specialists in commercial finance, our industry knowledge is second to none.

Fast turnaround times Fast turnaround times
Fast turnaround times

We have a team of administrators dedicated to completing your case.

Highly rated by our clients Highly rated by our clients
Highly rated by our clients

Read independently gathered customer reviews on Trustpilot.

Comprehensive product search Comprehensive product search
Comprehensive product search

You will be matched with the best product for your circumstances and needs.

Company values Company values
Company values

Honesty, integrity, fairness and transparency. Your best interests come first.

Top