Terms and Conditions

Jurisdiction for Use – This site is intended for use only by those who can access it from within the UK.

Governing Law – This site is governed by the laws on the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Contacts – If you believe any information on this site is inaccurate or have any suggestions on how the contents of this site could be improved, please contact us. If you have any questions on a particular product or service, please use the contact details listed on this site.

Changes – We will update the content of this notice from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure the information provided is up to date.

Customer Responsibility – it is your responsibility to ensure that your computer is virus protected. TOC Financial accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.

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 and accordingly, we do not accept any liability for any errors or omissions. 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.

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 site to which it links. We accept no responsibility or liability for the contents of any linked website.

Privacy Statement – TOC Financial is registered with the UK Data Protection Registrar and endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998. 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.

Privacy Policy – We have notified our processing of personal data under the Data Protection Act 1998. 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 collect.

Contact Details – If you have any comments or concerns regarding our privacy policy, please contact us by visiting our contact page. 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 profiles, we may use ‘cookies’ to store and track information about your use of TOC Financial. We will use this 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 e-mail. 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 Data Protection Act 1998, 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 TOC Financial using the registered office address below.

Cookies statement

Cookies and how they benefit you

Our website uses cookies, as almost all websites do, to help provide you with the best experience we can. Cookies are small text files that are placed on your computer or mobile phone when you browse websites.

Our cookies help us:

– Make our website work as you’d expect

– Remember your settings during and between visits

– Improve the speed/security of the site

– Allow you to share pages with social networks like Facebook

– Continuously improve our website for you

– Make our marketing more efficient (ultimately helping us to offer the service we do at the price we do)

We do not use cookies to:

– Collect any personally identifiable information (without your express permission)

– Collect any sensitive information (without your express permission)

– Pass data to advertising networks

– Pass personally identifiable data to third parties

– Pay sales commissions

You can learn more about all the cookies we use below.

Granting us permission to use cookies

If the settings on the software that you are using to view this website (your browser) are adjusted to accept cookies we take this, and your continued use of our website, to mean that you are fine with this. Should you wish to remove or not use cookies from our site you can learn how to do this below, however doing so will likely mean that our site will not work as you would expect.

More about our cookies

Website function cookies: Our own cookies

We use cookies to make our website work including:

– Remembering your search settings

– Allowing you to add comments to our site

There is no way to prevent these cookies being set other than to not use our site.

Social website cookies

In order for you to easily like or share our content on the likes of Facebook and Twitter, we have included sharing buttons on our site.

Cookies are set by:

– ShareThis – Privacy Policy provides us with lots of sharing buttons all in one neat package

– Twitter – Privacy Policy 

– AddThis – Privacy Policy  provides us with lots of sharing buttons all in one neat package

The privacy implications on this will vary from social network to social network and will be dependent on the privacy settings you have chosen on these networks.

Anonymous visitor statistics cookies

We use cookies to compile visitor statistics such as how many people have visited our website, what type of technology they are using (e.g. Mac or Windows which helps to identify when our site isn’t working as it should for particular technologies), how long they spend on the site, what page they look at etc. This helps us to continuously improve our website. These so-called analytics programmes also tell us, on an anonymous basis, how people reached this site (e.g. from a search engine) and whether they have been here before, helping us to put more money into developing our services for you instead of marketing spend.

We also use technology to determine how people who phone us arrived on our website (e.g. from a search engine or by clicking on an advert). This is to help us identify how people heard about us. Please be aware that if you call us using a phone number listed on our website, we can potentially tell how you arrived on our website. Again, this ultimately helps us keep down costs for you.

Turning cookies off

You can usually switch cookies off by adjusting your browser settings to stop it from accepting cookies.

However, doing so will likely limit the functionality of our website and a large proportion of the world’s websites, as cookies are a standard feature of most modern websites.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.

Integrity Mortgages Limited is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. You voluntarily choose to provide personal details to us via this website.

Integrity Mortgages is registered in England and Wales with company number 08651906.  Registered office: - The Old Bank, 109 Rowlands Road, Worthing, BN11 3LA