Privacy Policy & Cookies

Kingston Mortgage Services Limited  is committed to protecting your privacy. This Privacy Policy sets out how Kingston Mortgage Services Limited handles data which identifies you.

About Us
Kingston Mortgage Services Limited whose registered number is 05628948 and registered office is 183 Kingston Road, New Malden, Surrey KT3 3SS.
Kingston Mortgage Services Limited is an Appointed Representative of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages and non-investment insurance advice only.
We are committed to protecting your privacy. This Privacy Policy forms part of our legal information and sets out how we handle data which identifies you.  If you have any queries concerning your personal information, please contact us at email address

Data Protection Information
We are registered under the Data Protection Act 1998 and any information you supply will be treated in accordance with that Act.   You can obtain further information about data protection laws by visiting the Information Commissioner's website at www.ico.gov.uk.

Information gathered and its use
We receive and store any information you enter on our website, or give us in any other way, for example during a meeting.  We use your contact details to communicate with you, we may also use your information to send you news about our products and services or those of other carefully selected companies which we think may be of interest to you.
We may contact you by post, email, telephone or fax for these purposes. If you do not want to receive such communication you can opt-out during registration, by emailing us at info@kingstonmortgages.co.uk, or by following the unsubscribe instructions on the email. Please note that there may be instances where it may be necessary for us to communicate with you, in any event, for administrative or operational reasons relating to our service.

On Registration
When you use the site we anonymously record the details of the pages you look at but this data is not personally identifiable. We use this data to monitor site traffic and analyse paths customers take through our site which enable us to improve the service we provide. This information is only used by us and is not passed to any other party.

Site monitoring
When you use the site we anonymously record the details of the pages you look at but this data is not personally identifiable. We use this data to monitor site traffic and analyse paths customers take through our site which enable us to improve the service we provide. This information is only used by us and is not passed to any other party.

We reserve the right to change, modify, add or remove provisions of this Privacy Policy. Any changes to this Policy will be shown here, and we recommend that you check this Policy again from time to time.

Place of processing
The personal information held by us is held on and processed by computers situated in the United Kingdom.

Security
We have security measures in place to protect our customer database and access to this database is restricted internally. However, it remains your responsibility:

  • to protect against unauthorised access to your log in details;
  • if you open more than one browser of the same type whilst using the website, to remember to close down all browser windows when you finish.
  • if you share a computer with someone else or use a public Internet access then we advise you to delete the browsing history and log off the computer. This will help ensure any personal information stored temporarily in the computer's memory is lost.

Disclosure for legal and regulatory reasons
We reserve the right to communicate such personal information as we hold to third parties which seek the disclosure of it, if we are requested to do so by law or by a regulatory authority.

Links to third party sites
Our site contains links to other sites. We are not responsible for the privacy practices, or the content of those websites. You should read the privacy policies of every website that collects data.

Cookies
A cookie is a small file which is placed on your computer's hard drive. If you agree to have cookies stored on your computer, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. This site uses cookies.

Kingston Mortgage Solution makes use of cookies on our site to help with our understanding of how our visitors interact with our content.

There are two main types of cookies in usage;

Transient (or session) cookies.
These are set and exist for the duration of your visit to a specific website and are removed when you finish. 
They store the route of your browsing on the website and how you navigate between the different pages. This is particularly useful if you have entered information in a form and don't need to re-enter it.

Persistent (or permanent) cookies.
These remain on your computer until they expire or are deleted and have a set duration to stay active. 
Most persistent cookies will have set deletion dates to help ensure your computer doesn't get full with excessive files stored. A persistent cookie will retain previously entered information offering to simplify any future data input, this is typically for things such as login credentials or an email address.

Kingston Mortgage Solutions and many other websites use both types of cookies. This is done to make the visiting experience of our website more useful. We use third-party cookies to operate our cookie tracking.

What we use cookies for?

We use cookies to:

  • Gather information on a user's visiting flow across our site
  • Gauge the overal user experience based on our marketing and promotional strategies. Please note, we will never pass on details to third-parties. The data is only used for evaluative purposes.

We don't and will never:

  • use cookies to track your Internet usage after leaving one of our sites
  • store personal information in them that others could read and understand
  • sell or distribute cookie information without your prior consent.
Cookies we use on our sites

The following table provides a list of all cookies used on our site with a brief information of their purpose and their key attributes.

Table of 3rd (third) party cookies provided by Google

Cookie Name Default Expiration Time Description
_ga 2 years Used to distinguish users.
__utma 2 years from set/update Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
__utmb 30 mins from set/update Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
__utmc End of browser session Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.
__utmz 6 months from set/update Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
__utmv 2 years from set/update Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

Changing your cookie settings

To enable or disable cookies, follow the instructions provided by your browser (usually located within the 'Help', 'Tools' or 'Edit' facility). Alternatively, an external resource is available at www.aboutcookies.org who provide specific information about cookies and how to manage them



Log Files and Statistics
We may use IP addresses, URL's of requested resources, timestamps and HTTP user agents to analyse trends, administer the system and gather broad demographic information for aggregate use.

In addition to this we may use third party services to monitor your use of our website, including Google Analytics, a web analytics service provided by Google, Inc ('Google'). Google Analytics use cookies to help analyse how visitors use our site. The information generated by the cookie about the use of our web-site (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of our web-site, compiling reports on web site activity and providing other services relating to web-site activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies be selecting the appropriate settings on your web browser, however, please note that if you do this you may not be able to make full use of our web-site. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Legal Information and Your Agreement
Access by you to our web-site is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

This web-site is prepared and issued in the United Kingdom and is intended for the information of United Kingdom residents only.

This web-site is for information purposes only and it's content is subject to change without notice.

Nothing on this web-site shall be deemed to constitute financial advice and in the event that you wish to have any such advice, please contact us.

Disclaimer
Whilst we use all reasonable efforts to ensure that the information published on this website is accurate, current and complete at the date of publication, no representatives or warranties are made (express or implied) as to the accuracy, currency or completeness of such information. We cannot accept responsibility (to the extent permitted by law) for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this web-site or any other web-site to which it may be linked. We make not warranty that this web-site is free from errors, defects or viruses.

We reserve the right to change, modify, add or remove provisions of this Privacy Policy. Any changes to this Policy will be shown here, and we recommend that you check this Policy again from time to time.

Copyright Notice
The entire contents of this web-site (except where applicable the crown copyright location maps) is our property and is subject to copy right with all rights reserved.

You may download or print individual sections of the web-site for personal use and information only provided that these properly indicate our copyright and other proprietary notices.

You may not reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without Our prior written consent.

E-Mail
There is no guarantee that any e-mail you send will be received by us or that the confidentiality of that e-mail will be maintained during internet transmission.

Applicable Law
Any disputes arising from the use of this website shall at all times be governed by the laws of England and Wales and the parties shall submit to the exclusive jurisdiction of the English Courts.

International Transfers of Personal Information
As the internet can be assessed world wide, if you are visiting the site from outside the UK, your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically with us you are consenting to these transfers.

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Kingston Mortgage Services Ltd is an appointed representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register  (www.fca.org.uk/register) under reference 311266

Kingston Mortgage Services Ltd is registered in England and Wales.

Registered Office: Kingston Mortgage Services Ltd, Ashley House, 136-138 The Broadway, Tolworth, KT6 7JD. Registration No. 05628948.

Typically we charge a mortgage fee of £293 for standard mortgages and re-mortgages. We may also receive commission from the mortgage lender. Any fee charged is payable on application.