Terms and Conditions

• Jurisdiction for use
  This website is only intended for use by people and corporate bodies resident in the United Kingdom.
  
• Governing law
  Your use of this website is governed by English law and any dispute or action arising out of your use of this website shall be determined in accordance with such law.
  

• Contacts
  If you believe any information on this website is inaccurate or have any suggestions on how the content of this website could be improved please contact us at contact@ziifa.co.uk If you have questions on a particular product or service please use the contact details shown for that product or service.
  
• Changes

We will update the content of this website including these terms and conditions from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date.

• Customer responsibility
  It is your responsibility to ensure that your computer is virus protected. Personal Touch Financial Services accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this website. We cannot guarantee the security of any data you transmit through the website; any transmission is at your own risk.
  

Accuracy and Validity of Information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an "as is" basis. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us. Except as expressly provided in these terms conditions all conditions, warranties and representations expressed or implied by statute, common law or otherwise in relation to the content of the website or your use of the website are hereby excluded and Personal Touch Financial Services shall be under no liability to you for any loss, damage or injury direct or indirect howsoever arising save that Personal Touch Financial Services shall accept liability for death or personal injury caused by the negligence of Personal Touch Financial Services.

Availability

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.

Third Party Websites

This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the website to which it links. We accept no responsibility or liability for the contents of any linked website. You are advised to check the relevant privacy policy prior to submitting any personal data to websites operated by third parties.

Privacy Statement

We will not disclose your personal details to any third parties unless it is necessary to do so. On those occasions when we do need to disclose personal information, such as preparing Key Facts Illustrations for you, processing your business, or obtaining compliance and regulatory advice, we will do so on a confidential basis and in accordance with the Data Protection Act 1998 (DPA).

Privacy Policy

We have notified our processing of personal data under the DPA. The relevant Data Controller under the DPA is Personal Touch Financial Services Limited. We respect your personal privacy and will not use your personal information in any way that we would not accept ourselves. We have set out the following information about how we manage the personal information that we do collect.

• Contact Details

If you have any comments or concerns regarding our privacy policy please contact us at contact@ziifa.co.uk

• What we use personal data for

We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised profiles and demographics that we may use to improve the content of our communications to you. In order to collect customer use profiles, we may use "cookies" to store and track information. All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the website you are responsible for keeping this password confidential.

We will use this personalised information to keep you informed of areas you may have an interest. If you would prefer not to receive communications from us, please tell us by email to contact@ziifa.co.uk

• What we won't do with your personal data

We will not sell, rent or disclose your personal details to any third parties, except:

• When required to do so by law

• In response to a valid legal request by a law enforcement officer or government agency
• When you have explicitly or implicitly given your consent

• Access to personal data

Under the DPA we are entitled to charge an administration fee for answering your request of £10. All requests for copies of personal information should be made in writing accompanied by the administration charge to:

Ziifa Limited t/a Ziifa Home Loans
Orchard House
51-67 Commercial Road
Southampton
SO15 1GG