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► About our Privacy Policy
Joint Equity Ltd. is committed to respecting the privacy of our partners, customers and users of the Joint Equity website.
This privacy policy governs the manner in which Joint Equity Ltd. (Joint Equity) uses, maintains and discloses information collected from partners, customers and users of the Joint Equity Website.
We hope it is in simple, plain English and that it is easy to understand. However, if you have any comments or ideas on how we can improve it please email us.
Your views and comments are important to us and will help us to improve our service.
This Web site is not directed at anyone under 18 years of age.
► Privacy
JointEquity is committed to developing long lasting relationships, based on trust, with its Partners and customers. JointEquity will do everything in its power to ensure that your right to privacy is maintained and protected.
► Information Joint Equity Collects
Joint Equity may request or collect personal information from online and other users in a variety of ways, including through online forms for ordering products and services, and other methods where users are invited to volunteer such information.
Joint Equity may request or collect personal information from online and other users in a variety of ways, including through online forms for ordering products and services, and other methods where users are invited to volunteer such information.
The information Joint Equity collects is personal information that identifies you individually, such as: Your name, E-mail address, Postal address, Telephone and facsimile numbers, URLs, Mortgage information on behalf of our Lenders, Bank account details, Other billing information.
Joint Equity may also collect information on how users access the Website by using a tracking ID unique to each user through the use of cookies.
► What are Cookies?
A cookie is a piece of data stored on the user's computer tied to information about the user. Cookies in themselves do not represent a threat but unscrupulous companies may use them in very dodgy ways – we assure you this will not happen with Joint Equity.
There are 2 types of cookies and Joint Equity may use both session ID cookies and persistent cookies.
1. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. Session ID cookies may be used by us to track user preferences while the user is visiting the website. They also help to minimise load times and save on server processing.
2. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Your browser’s help file contains information and instructions for removing persistent cookies. Persistent cookies may be used by us to store, for example, whether or not you want your password remembered, or other such information.
However, cookies used on the Joint Equity Website do not contain personally identifiable information.
► Log Files
Like most standard Websites, the Joint Equity Website uses log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use.
However, none of the information stored in the log files or IP addresses is linked to personally identifiable information so we can never identify you personally.
► How JointEquity uses this information
Joint Equity may be acting for one or more Lenders and will pass your personal information contained in the Mortgage Application to them. We only use reputable Mortgage Lenders and their Privacy Policies are as strict as ours. For more information please refer to the individual Lender.
Joint Equity will also pass your personal information to the Solicitors acting in your purchase, sale or investment. Once again they have equally strict privacy policies.
Join tEquity may use the personally identifiable information collected by JointEquity to contact Partners and customers regarding products and services offered by us and, to the extent the User has agreed to it, by its trusted affiliates and business partners.
Joint Equity may also use this information for research purposes regarding the effectiveness of Website services, marketing, advertising and sales efforts.
Join tEquity will never share your information with any other third party either for free or by selling it.
► Disclosure of Information
Joint Equity may also disclose aggregate and anonymous, data based on information collected from Users to Investors and potential Partners. In such cases, only statistical information will be disclosed and personally identifiable data will be kept strictly confidential.
In case Joint Equity is sold, the information collected from users may be transferred to the new owners who will abide by this Privacy Policy unless you are informed otherwise.
Joint Equity may, from time to time, engage third parties, including its own subsidiaries and affiliated companies, to preserve, analyse or otherwise store or manipulate data received by us from its partners and customers.
In all such cases, the third party service providers will be required to treat all such data with the same degree of care as JointEquity and they will be prohibited from disclosing such data to any other person or party, except as otherwise provided for in this Privacy Policy.
► Special Offers and Updates
Joint Equity partners, customers and users will receive a newsletter and occasionally other information on products, services and special deals.
We believe these offers will be of interest but we will always provide the opportunity to opt out of receiving them.
We have fully adopted the Advertising Standards Agency ASA code of practice for direct marketing through emails and subscribed newsletters.
If you want to unsubscribe from any of our newsletters please email us at any time.
► Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement for instance if a service is temporarily suspended for maintenance or we are experiencing heavy demand and our service level agreements are being extended.
Partners and customers may not opt-out of these communications however, these communications are not promotional in nature.
► Legal Disclaimer
Though every effort is made to preserve your privacy, Joint Equity may need to disclose personal information when required to by law. Joint Equity will comply with any legal or judicial proceedings should a court order or legal process be served on Joint Equity Ltd.
The Joint Equity Website contains links to other sites. Please be aware that Joint Equity is not responsible for the privacy practices of such other sites. You are encouraged to read the privacy statements of each and every Web site that collects personally identifiable information. The Joint Equity Privacy Policy as described here only applies to information collected by us.
► Maintenance of Information
The information provided to Joint Equity is saved indefinitely and may be stored on one or more databases directly or indirectly maintained by Joint Equity Ltd.
Joint Equity employs industry standard security measures to protect the confidentiality of the information. Although Joint Equity cannot guarantee that any loss, misuse or alteration of data will not occur; every effort is made to prevent such occurrences. Any other particularly sensitive information, such as payment details collected for commercial transactions, is encrypted prior to transmission by you to Joint Equity.
► Your Responsibility
You are responsible for the security of your Account Details and passwords. Make sure you keep them in a safe place and do not share them with others.
Always remember to log out after your session ends, to ensure that others cannot access your private personal information. You should take this precaution even if you are not using a public computer, such as at a library or internet café, but even when using your private computer in your home.
► Questions
Any questions concerning this Privacy Policy should be directed to us by e-mail .
► What’s in this section?
The Joint Equity Scheme is for first-time buyers, home owners and property investors. This site is developed and maintained by Joint Equity ltd. ©Joint Equity (2006)
Joint Equity Ltd works with Mortgage Beaters Ltd to provide case studies & Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, which are authorised and regulated by the Financial Services Authority.
The content of this website is accurate to the best of our knowledge and for information only. We do not provide financial advice.