Terms & Conditions
THIS WEBSITE IS AN OFFICIAL WEBSITE OF THE BROUGHTON HOUSE
YOU SHOULD READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE USING THIS WEBSITE. USING THE WEBSITE INDICATES THAT YOU ACCEPT THESE TERMS REGARDLESS OF WHETHER OR NOT YOU CHOOSE TO REGISTER WITH US. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THE WEBSITE. YOU SHOULD ALSO READ THE TERMS AND CONDITIONS ABOUT EACH SERVICE ON THIS WEBSITE.
You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register. By accessing any part of the Website, you shall be deemed to have accepted these Terms in full. If you do not accept these Terms, you must leave the Website immediately.
We may revise these Terms at any time and you should periodically check the Website to review the then current Terms because they are binding on you.
Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages of the Website.
Unless otherwise stated, the copyright, trade marks and other intellectual property rights in all material on the Website (including without limitation text, tools, photographs and graphical images) are owned by us or our licensors.
You may not reproduce or adapt the Website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.
Any use of the Website other than in accordance with these Terms is prohibited. If you breach any of these Terms, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.
Any rights not expressly granted in these Terms are reserved.
While the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.
Visitor material and conduct
You must not post or transmit to or from the Website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse the Website (including, without limitation, by hacking).
We will co-operate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms.
Where you are invited to register for any part of this Website, each registration is for a single user only. You must not share your user name and password with any other person or with multiple users on a network. Responsibility for the security of and passwords issued rests with you.
This Website is here to give you information about our products and services. It is up to you to decide whether they are suitable for you. You may want to get advice about this from an independent advisor.
The information on the Website may not tell you all you need to know, and you can ask us or an independent financial advisor for more details.
Though we try and keep the information up to date, there may be a time delay before we can do so. You should not rely solely on the information on this Website. You should check details about important things like price or interest rates in any actual agreement you sign as it is the terms in that document that form the agreement between us.
Our and your liability for use of this website
The Website only complies with UK laws. You should only use it from the UK. The products and services on it are only available to you if you are a UK resident.
You may not always be able to access this Website. We are not responsible for any losses if you cannot do so (for example if you cannot obtain a product at a stated price). We are not responsible if the means of communication you use to access the Website or to send us information about yourself or to receive information from us does not work properly.
As we’ve explained above, the information on this Website may not always be quite up to date or complete. We advise you to check it carefully before you agree to buy a product or service, and we are not responsible for any losses you suffer if you fail to do so unless what we put on the Website was incorrect or misleading (and provided the correct information was not provided to you or made available before you completed your purchase).
Whilst we take reasonable care to ensure the accuracy of information on third party websites which we may have linked through this Website, as we cannot control what they contain, we are not responsible for any losses or other damage you suffer as a result of using those other websites.
We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown or data-processing failures.
Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
Governing law and jurisdiction
These Terms shall be governed by and construed in accordance with English law. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the English courts.
Cookie – Use Policy
Last updated 16 October 2016.
Learn about Cookies
How to manage or opt out of Cookies
Learn about Cookies?
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise the device you are using and provide you with a better website experience.
Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving your user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests. Cookies in themselves do not identify the individual user, just the computer or mobile device you are using via a randomly generated identifying tag.
To provide information that can help us understand what interested you about our website and emails and what did not. This helps us provide you with more personalised features, and more relevant information on subsequent visits
To record information such as aspects of your last search, to make subsequent searches faster and also to enable us to tailor www.theservicesfamily.com to your preferences.
To measure the effectiveness of our marketing and social media campaign and how visitors use our site.
The cookies used on www.theservicesfamily.com have been categorised based on the categories found in the International Chamber of Commerce (ICC) UK Cookie guide
Category 1: Strictly Necessary Cookies
These Cookies enable services you have specifically asked for.
These Cookies are essential in order to enable you to move around www.theservicesfamily.com and use its features, such as accessing secure areas of the website. Without these Cookies, services you have asked for or requested, such as financial education, planning, insurance, e-billing etc., may not be provided.
Category 2: Performance Cookies
These Cookies collect anonymous information on the pages visited.
These Cookies collect information about how visitors use www.broughtonhouse.com, for instance which pages visitors go to most often, and if they get error messages from web pages. These Cookies don’t collect information that identifies a visitor. All information these Cookies collect is aggregated and therefore anonymous. It is only used to improve how www.broughtonhouse.com works.
Category 3: Functionality Cookies
These Cookies remember choices you make to improve your experience.
These Cookies allow www.broughtonhouse.com to remember choices you make (such as your user name, email address, or personal profile information) and provide enhanced, more personal features. These Cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise.
Strictly Necessary, Performance and Functionality Cookies
We need to use these three categories of Cookie to maintain www.theservicesfamily.com’s effectiveness, ease of use, and to provide you with a seamless experience. As such we have not provided an opportunity for these to be disabled independently, and by using our site and online services you are agreeing that we can place these types of Cookies on your PC.
How to manage or opt out of Cookies
If you’d prefer to restrict, block or delete Cookies from www.broughtonhouse.com, you can use your browser to do this. www.aboutcookies.org gives full details of how to manage Cookies on different types of web browser. If you decide not to allow www.broughtonhouse.com as a “trusted site”, please be aware that you will be unable to use the site. You can find more information about Cookies at:
http://www.allaboutcookies.org and http://www.youronlinechoice.eu
The Services Family (equals) is committed to providing a website that is accessible to all of our users and customers and we adhere sensibly and practically to the Web Content Accessibility Guidelines (WCAG) 2.0 from the W3C website.
These are produced by the World Wide Web Consortium, the web’s governing body, and provide a set of checkpoints designed to ensure that websites are designed and written properly.
To make sure our website is accessible as possible:
All our images have alternative text so that if you can’t see the image, you can still understand what it means.
We use strong colour contrasts between foreground and background.
The page text can be made larger to make it easier to see and read on your computer.
We’ve used our headings correctly by making sure they’re not just ordinary text made to look big and bold.
Our links are meaningful so you can find the information you need quickly.
The tables we use have clear headings and summaries.
We provide a number of colour contrast settings for the best customer experience.
We use plain English which is clearly understandable, and have avoided using jargon where we can.
If you have problems using a computer because of a disability or impairment then we recommend that you visit AbilityNet’s website which provides advice on how to make your computer easier to use. AbilityNet are experts in the field of computing and disability and they provide a free service to individuals with disabilities to assess their computing needs
We welcome feedback on the accessibility of our site and any suggestions for improvement, so please email us on email@example.com for any comments you’d like to raise regarding accessibility.
If you have any problems using the website, please contact us we’ll do what we can to help.
How your personal information is used by Broughton House.
Please read this Privacy Notice to understand how we use and protect the information that you provide to us.
If you are a customer of equals, we provide details of the information we collect and how we use it, will also be set out in the terms and conditions of the product or service which you hold.
Broughton House Data Privacy Notice
Your information will be held by Broughton House.
The Data Protection Act 1998 requires us to manage all personal information in accordance with the Data Protection Principles. In particular, we are required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require. All our employees are responsible for maintaining customer confidentiality. We provide training and education to all employees to remind them about their obligations. In addition, our policies and procedures will be regularly audited and reviewed.
Where we obtain your data
Your personal information will be held securely by equals so that we (either now or in the future), can manage your relationship with us. This will include information you provide when you register and apply for products to us, and any additional information provided by you or others in various ways, including:
a) in applications, emails and letters, during telephone calls, when registering for services, in customer surveys, when you participate in competitions, through our website and during financial reviews and interviews;
b) information we receive from our business partners and from other organisations such as credit reference agencies and fraud prevention agencies.
We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements. You have the right to delete your personal information if you so wish and all operations will cease forthwith. However, certain transactions we are required by law to retain for a period of 7 years.
How we use your information
We may use the personal information we hold about you for the following administrative activities:
a) providing you with products and services and notifying you about either important changes or developments to the features and operation of those products and services;
b) responding to your enquiries and complaints;
c) undertaking financial reviews; and also for the following data processing activities:
d) updating, consolidating, and improving the accuracy of our records;
e) undertaking transactional analysis;
f) customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;
g) assessing lending and insurance risks;
h) managing your relationship with us.
By processing this information – it enables us to better understand your needs and provide services in the efficient way that you expect. Your data may also be used for other purposes for which you give your specific permission, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act.
Changes to privacy notice
We keep our Privacy Notice under regular review and we will reflect any updates within this notice.
This Privacy Notice was issued in October 2016.
For further information please contact us.