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Terms & Conditions
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1. Copyright |
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1.1 Unless otherwise stated, we own the copyright and any other rights in all material on this site. This copyright and other rights do not extend to the GIF's/JPG's, which are publicly available. |
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1.2 You may print and download extracts from this site on the following conditions: |
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1.2.1 The documents and related graphics on this site are for personal use or for use within an individual firm or organisation; any copies of these pages that you save to disk or to any other storage medium may (subject to the exception referred to at 1.2.4 below) only be used for subsequent personal viewing purposes of for viewing within the firm or organisation by which they were saved or stored; |
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1.2.2 Any extracts which are printed may only be used for personal viewing - or for viewing within the firm or organisation by which they were printed (subject only to the exception referred to at 1.2.4 below); |
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1.2.3 Neither pages saved to disk or stored in any way, not extracts printed, may (subject to the exception referred to at 1.2.4 below) be distributed to third parties or sold or otherwise circulated for profit; |
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1.2.4 The only permitted exception to the general rules stated in clauses 1.2.1 to 1.2.3 above is where extracts (of no more than a few relevant provisions) are copied to individual third parties incidental to advice or other activities; |
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1.2.5 No documents or related graphics on this site are to be modified in any way; |
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1.2.6 Graphics on this site are not to be used separately from the accompanying text; and |
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1.2.7 Our copyright notice (ie © Mosaic Mortgage Club Ltd) must appear in all copies. |
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1.3 You must not reproduce or store any part of this site in any other web site or include it in any public or private electronic retrieval system or service, without our prior written permission. |
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1.4 Any rights not expressly granted in these terms are reserved. |
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2. Service Access |
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2.1 While we try to ensure that this site is normally available 24 hours a day, we will not be liable if, for any reason, the site is unavailable for any period of time. |
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2.2 Access to this site may be suspended temporarily or permanently and without notice. |
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3. Disclaimer |
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3.1 We try to ensure that the information on this site is correct, but we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission. |
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3.2 We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use this site, or any material contained in it, or from any action or decision taken as a result of using this site or any such material. |
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3.3 Part of this site contains material sent to us by third parties. These third parties are responsible for ensuring that the material they submit to us complies with national and relevant foreign law. We are not responsible for any error, omission or inaccuracy in the material. We reserve the right to omit, suspend or edit any material submitted. |
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3.4 The materials on this site do not constitute financial or other professional advice. You should consult your professional adviser if you require advice. |
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3.5 This web site offers links to other sites - they enable you to leave the FSA site. We do not control the linked sites and we are not responsible for the contents of any linked site or any link in a linked site, or any changes or updates to such sites. We are not responsible for web casting or any other form of transmission received from any linked site. We provide these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site. |
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3.6 Mosaic Mortgage Club reserve the right to add or remove content from this website without giving it's customers prior notification. To obtain correct and accurate information on lenders or product please call our office and speak to our sales team. Lenders and the products change on constant basis and information on this site should only be used for initial information purposes only. |
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4. General |
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4.1 By accessing any part of this site, you will be deemed to have accepted these terms in full. |
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4.2 These terms are governed by and interpreted in line with English Law. |
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5. Privacy Policy Statement |
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Mosaic Mortgage Club receives personal information through this web site. You may, for example, be asked for personal information if you want to take advantage of specific services that we offer. In any case where you provide personal information, we will only use it to deliver the services you have requested. The Mosaic Mortgage Club site does not automatically capture or store personal information, other than logging the user's IP address and session information such as the duration of the visit and the type of browser used. This is recognised by the Web server and is only used for system administration and to provide statistics, which Mosaic Mortgage Club uses to evaluate use of the site. This policy does not cover links within this site to other web sites. We do not use cookies for collecting user information from the site. |
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6. Data Protection |
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By submitting your details, you consent to Mosaic Mortgage Club ("us") using and disclosing information about you as given. You also consent to us using and disclosing to carefully selected third parties your contact details so that we, and they, may provide you with information about goods and/or services offered by them or us which may be of interest to you. You may be contacted by automatic fax, email and other on-line or interactive media. |
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The Data Protection Act 1998 states that we must comply with 8 enforceable principles, they say data must be: |
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Fairly and lawfully processed; |
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Processed for limited purposes; |
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Adequate, relevant and not excessive; |
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Accurate; |
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Not kept longer than necessary; |
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Processed in accordance with the data subject's rights; |
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Secure; |
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Not transferred to countries without adequate protection. |
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Personal data covers both facts and opinions about the individual. It also includes information regarding the intentions of Mosaic Mortgage Club towards the individual, although in some limited circumstances exemptions will apply. With processing, the definition is far wider than before. For example, it incorporates the concepts of 'obtaining', holding' and 'disclosing'. Under the Data Protection Act you have a general right of access to personal data held about you. If you wish to exercise this right please contact us in writing formally requesting all data that you are entitled to under section 7 (1) of the Data Protection Act 1998. Mosaic Mortgage Club Ltd charge £10 for each request of information and pledge to respond within 40 days. |
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For more information about this statutory right go to |
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7. Summary of Terms |
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Browser - Used to locate and display Web pages via a software application. The most popular ones are Netscape Navigator and Microsoft Internet Explorer. |
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IP (Internet Protocol) - All networks connected to the internet speak IP, the technical standard that allows data to be transmitted between two devices. TCP/IP (Transmission Control Protocol/Internet Protocol) is responsible for making sure messages get from one host to another and that the messages are understood. |
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IP address - If you are connected to the Internet you have one, for example it may look something like this 195.192.22.9. |
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Web Server - Delivers (serves up) web pages to your computer. |
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Cookie - Message given to a web browser by a web server. The browser then stores the message in a text file called cookie.txt Each time the browser requests a page from the server, this message is sent back. A cookie's main objective is to identify users and personalise their visit by customising web pages for them for example by welcoming them by name next time they visit the same site. A site using cookies will usually invite you to provide personal information such as your name, e-mail address and interests. |
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