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Terms of Use
By using any of our websites or
our Services, you unconditionally agree to be bound by this
Privacy Policy. HUH Property takes all reasonable care to ensure
that the information contained on this website is accurate,
however, we cannot guarantee its accuracy and we reserve the
right to change the information on this website (including these
terms and conditions) at any time. You must therefore check
these terms and conditions for any such changes each time you
visit this website. Nothing on this website shall be regarded or
taken as financial advice.
Data Protection
The
Data Protection Act requires companies and individuals who
process and retain information about their customers, to provide
their customers with information about how their information
will be used and to what purposes it will be put. The act does
not restrict itself to information held on a computer, it is
relevant to any ordered filing system. The policy describes how
HUH Property will process personal data relating to customers.
We will not use your personal data in any other way without
first informing you
Collection
of data
We
will collect data which you provide to us when you enquire
about or apply for any of our services, which includes
information gained from HUH PROPERTY registration form. Our
lenders/clients/associates may also collect data about you
from searches at credit reference agencies.
Use
of data
We
will use your personal data to:
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Process
the request that you have made and/or any application
application you have made.
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Make
or cause searches to be made, at a credit reference agency
or agencies.
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To
offer you other products which we make available.
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Exercise
or defend our legal rights and/ or to comply with any
legal requirements.
We
may disclose your personal information to:
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A
landlord or client with which your application is
connected.
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A
lender or lenders in accordance with your application.
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Another
broker if we are not able to arrange finance for you.
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Any
regulatory bodies to make sure that we are processing your
information correctly.
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Other
legal authorities if required by law.
Personal
Data is held on our contacts and administration database
either because of work we have undertaken or are currently
engaged in, or because we believe that clients may be
interested in receiving material from us about our business
and services. As such we hold client contact details and the
history of our client relationship. This allows us to manage
our client relationships effectively and target items of
interest so that you do not receive unwanted material through
the post. Your information may be kept for several years. You
can ask for the information not to be used to offer you other
products. We have a duty to keep the personal information
which we hold about you up to date and accurate and secure
from misuse or accidental loss or damage.
Credit
Reference Searches & Links
Please
note that searches at credit reference agencies will be shown in
any other searches which are made in connection with
applications made by you and/or members of your household. The
disclosure of multiple searches may adversely affect your credit
profile and may make credit harder for you to obtain.
Information held about you by a credit reference agency may
already be linked to records relating to another person, for
example your spouse, and for the purpose of your loan
application you will be treated as financially linked. Your
loan/tenancy application will be assessed with reference to all
linked records. If you have confirmed you are linked financially
with another person, you are declaring that you are entitled to
A) disclose information about that person and/or by anyone else
referred to by you and B) that you authorise us and any lender
and any lender involved in the application to search, link
and/or record information at credit reference agencies about you
and/or anyone else referred to by you.
Main
Credit Reference Agencies
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Experian
Ltd.
Consumer Help
Service
P.O.
Box 8000
Nottingham
NG1 5GX |
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Call
Credit PLC.
Consumer
Services Team
P.O.
Box 491
Leeds
LS1 5XX |
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Equifax
PLC.
Credit
File Advice Service.
P.O.
Box 1140
Bradford
BD1 5US |
Credit
reference agencies keep a wide range of information from the
electoral roll and records of most county judgements and
bankruptcies. They also retain information relating to previous
and existing credit and a record of searches made against the
file. The lenders share information through the agencies
providing a record of how punctually payments are being, or have
been made. Loan information is usually held on file for 6 years.
Details of credit searches are usually held on to for 2 years.
Access
to Your Data
You
are able to see what information we hold about you. You can ask
us for a copy at any time. We will also tell you where the
information was obtained. You will need to write and we may
charge a small fee. (£15 maximum) We will reply within 30 days
from receipt of your fee.
If
you wish to see the information contained on a credit reference
agency file you can do so by writing to the relevant agency.
They must respond within 7 working days. There is a small fee of
£2 required. If your credit reference file contains information
about other people with whom you have no financial connection or
if it contains information which is incorrect, you can ask for
the entry to be corrected, removed, or have a note put on the
file explaining why you think the information is wrong. The
agency will not remove correct information.
The
Information Commissioner provides a useful leaflet which
explains how to request changes to your credit reference file.
The easy to read leaflet includes examples of letters and
details of various actions, you may need to take to amend a
file. You can obtain a copy of the free leaflet by writing to:
No
Credit Leaflet P.O. Box 99 Nelson BD9 8GS
Changes
to Our Terms & Conditions
We
may edit or amend this page from time to time. If we make any
substantial changes in the way we use your personal information
we will notify you by posting a prominent notice on the home
page of our website.
Links
This
website contains links to other sites. Please be aware that we
HUH Property 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 website that collects personally identifiable information.
This privacy statement applies solely to information collected
by this website.
If
you have any questions about anything under our Terms &
Conditions then please contact us at our registered head office:
HUH Property, 7 King Cliff Road, Birkby, Huddersfield, HD2 2RR
If
you require any more in-depth information regarding the Data
Protection Act in general, please visit: www.dataprotection.gov.uk
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