Privacy Policy

1. This Privacy Policy
1.1 All Types of Mortgages Limited ("AToM") referred to in the Contact section of this Web Site, is committed to protecting your personal information and other data provided to AToM via this and any other web site ("Web Site"). Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to AToM via this Web Site. This Privacy Policy explains what information AToM collects about you, and how AToM collects and uses your information, including setting out the circumstances where AToM could provide it to third parties.

1.2 Because of the financial nature of AToMs’ business, AToM's products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, AToM does not knowingly attempt to solicit or receive any information from children.

2. What information AToM collects and what does AToM do with it
2.1 To take advantage of some of the services offered via this Web Site you may be required to log on or register with the Web Site. AToM and any third parties who hosts or maintains this Web Site may need to collect information about you and your computer to enable you to do so. The information will be collected when you register with the Web Site or when you choose to use one of the services available via the Web Site.

2.2 AToM may use the information which it collects to personalise your experience on the Web Site, to help you to log-in in future, to continue to use the Web Site, and to help AToM select services or materials for inclusion on the Web Site which may be of interest to you. AToM may, from time to time, use your information to recommend products or services to you. Occasionally, with your permission, AToM may contact you by letter, telephone or e-mail to inform you about other products and services which may be of interest to you. You will be advised of this and are required to “opt in” / permit AToM to contact you in the ways duly specified by you.

2.3 The nature of AToMs’ business is such that AToM may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to your finances, health or background where that information is required in order to provide mortgage and life insurance illustrations / quotations). Where AToM does so, AToM will request your explicit consent to the use of such sensitive personal data. Where you consent to provide AToM with this information AToM will take appropriate measures to protect such sensitive personal data.

2.4 AToM or third parties hosting servers on AToM's behalf may also monitor traffic patterns and usage of the Web Site to help it to improve the Web Site design and lay out.

2.5 Please note that AToM is not responsible for what any third party content provider or other third party offering goods and services via web sites linked to this Web Site may propose to do with information about you. So please ensure you read their terms and conditions carefully.

3. Sharing of Information with Third Parties
3.1 AToM will not disclose your personal information to third parties other than as described in this clause (unless it is legally required to do so). AToM may need to pass your information to third parties who help AToM to maintain, administer or develop the Web Site but, if so, that information is only given to those third parties for that limited purpose. In addition, AToM may provide aggregate statistics about its customers, sales, traffic patterns and related Web Site information to reputable third-parties, but these statistics will include no personally identifying information.

3.2 AToM reserves the right to access and disclose personal data or information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or its users.

4. Your Consent
4.1 You acknowledge and agree that:
4.1.1 in the course of registering or using this Web Site and any services offered via this Web Site, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to AToM or and, potentially, to any third parties as set out above, or to third parties who host AToM's web servers or assist AToM in maintaining this Website; and

4.2 By using this Web Site, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy.

5. AToM's Responsibilities - How does AToM protect user information?
As required by the Data Protection Act 1998, AToM follows strict security procedures in the storage and disclosure of information which you have provided via this Web Site, to prevent unauthorised access.

6. What are 'Cookies' and how does AToM use them?
6.1 A cookie is a piece of information that is stored on your computer's hard drive by your Web browser. On visiting the Web Site, your computer server will use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of this Web Site.

6.2 AToM may conduct analyses of user traffic. These analyses will be performed through the use of IP addresses and cookies which are required to ensure a secure server connection. AToM does not use cookies to store any personal data or browsing habits.

6.3 Third parties such as advertising agencies and content providers may use cookies on this Web Site to collect personal information about you. AToM recommends that you read the privacy statement of any third party before using their web site. AToM is not responsible for the use of such cookies or any other ways in which your personal data may be collected or used by such third parties.

7. Changes to Privacy Policy
AToM reserves the right to add to or change the terms of this Privacy Policy in its sole discretion, without prior notice to you. If AToM changes this Privacy Policy, AToM will post the new Privacy Policy on the Web Site, and it will become effective from the time of posting to the Web Site. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what AToM does with your information. Wherever possible, AToM will give you notice of any changes prior to their implementation.

8. General
This Web Site contains links to other web sites. Please be aware that AToM cannot be held responsible for the privacy policies of such other sites. AToM encourages its users to be aware when they leave the Web 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.

9. Feedback
If you have any queries or problems with regard to this Privacy Policy or the uses to which AToM puts your information, please contact AToM on the details shown below.

Call AToM, 9:00 am to 5:30pm Mon - Fri and 9:00 am to 2:30 pm Sat on 01403 272625 or email AToM at service@atomltd.co.uk

Cookie Policy

When visiting one of our websites some information may be stored on your computer in the form of a cookie. A cookie is a text file that is either stored in your computer memory temporarily (a session cookie) or placed on your hard drive (a persistent cookie) by a web page server for added functionality or for tracking site usage.

The purpose of a cookie is to tell the web server that you have returned to a specific page. When you return to our websites, cookies enable us to retrieve the information you previously provided, so you can easily use the features that you customized. We do not use cookies to gather personal information, or to track your browsing habits away from our website(s).

To avoid cookies, you may configure your web browser to reject cookies. However, by doing so, some functionality of the websites may be lost. The procedure for rejecting cookies will depend on what web browser you are using.

Please consult the information provided with your web browser you use, for further details.

Below are the cookies we use:

Google Analytics

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come from to use the site and the pages they visited. This information is used to improve our website and ensure the visitors are able to find what they need as quickly and easily as possible.


Head Office
AToM House, 24 Carfax
Horsham, West Sussex
RH12 1EB

Tel: 01403 272625

Fax: 01403 211200

Email:service@atomltd.co.uk

Disclaimer::
All Types of Mortgages Ltd (AToM) are an appointed representative of The On-Line Partnership Ltd which is authorised and regulated by the Financial Conduct Authority. © AToM (All Types of Mortgages Ltd) 2016.



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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT


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