Privacy Policy
What is this Privacy Policy for?
This privacy policy is for the website catorwells.com, is served by Cator Wells Limited, and governs the privacy of its users who choose to use it.
The policy sets out the different areas where user privacy is concerned and outlines the obligations and requirements of the users, the website and website owners. Furthermore, the way this website processes, stores and protects user data and information will also be detailed within this policy.
The Website
This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies to all UK national laws and requirements for user privacy.
Use of Cookies
This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer / device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer / device.
Cookies are small files saved to the user’s computer hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.
Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.
This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google’s privacy policy here for further information [ http://www.google.com/privacy.html ].
Other cookies may be stored to your computer’s hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Contact & Communication
Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.
This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights regarding receiving email marketing material. Your details are not passed on to any third parties.
Email Newsletter
This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.
Subscriptions are taken in compliance with UK Spam Laws detailed in the Privacy and Electronic Communications Regulations 2003. All personal details relating to subscriptions are held securely and in accordance with the Data Protection Act 1998. No personal details are passed on to third parties nor shared with companies / people outside of the company that operates this website. Under the Data Protection Act 1998 you may request a copy of personal information held about you by this website’s email newsletter program. A small fee will be payable. If you would like a copy of the information held on you, please write to the business address at the bottom of this policy.
Email marketing campaigns published by this website or its owners may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates and frequency of activity [this is by no far a comprehensive list].
This information is used to refine future email campaigns and supply the user with more relevant content based around their activity.
In compliance with UK Spam Laws and the Privacy and Electronic Communications Regulations 2003 subscribers are given the opportunity to un-subscribe at any time through an automated system. This process is detailed at the footer of each email campaign. If an automated unsubscribe system is unavailable, clear instructions on how to unsubscribe will be detailed instead.
External Links
Although this website only looks to include quality, safe and relevant external links, users are advised adopt a policy of caution before clicking any external web links mentioned throughout this website. (External links are clickable text / banner / image links to other websites.
The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.
Adverts and Sponsored Links
This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.
Clicking on any such adverts will send you to the advertiser’s website through a referral program which may use cookies and will track the number of referrals sent from this website. This may include the use of cookies which may in turn be saved on your computer’s hard drive. Users should therefore note they click on sponsored external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.
Social Media Platforms
Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.
Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution regarding their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.
Shortened Links in Social Media
This website and its owners through their social media platform accounts may share web links to relevant web pages. By default, some social media platforms shorten lengthy URLs [web addresses].
Users are advised to take caution and good judgement before clicking any shortened URLs published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine URLs are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.
Terms and Conditions
Acceptance of Terms of Use for this Website
This website is the website of Cator Wells Limited (“CW”). We are a commercial credit broker and not a lender and offer commercial credit facilities from a panel of lenders. We also source property for property developers and investors.
Your access to and use of www.catorwells.com (“the Website”) is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice without modification. If you do not accept these Terms and Conditions, you must immediately stop using the Website. Use of the web site signifies your acceptance of our Terms and Conditions.
Advice
The contents of the Website do not constitute advice and should not be relied upon in making, or refraining from making, any decision. Unless specifically stated otherwise, Cator Wells (as defined in paragraph 11) make no warranty in respects of the timeliness, accuracy or availability of the information on the Website.
Lender Introductions
CW is an independently owned broker and as such we do not owe any fiduciary duty to any client, lender or any other business. Our role is to introduce clients to a number of potential lenders which may be appropriate to their needs. We do not provide advice to clients and the decision as to which lender (if any) to proceed with is that of the client.
Intellectual Property Rights
The Website, and all the information and graphic representations or images on it (“Content”), are owned by, or licensed to, CW. The copyright and all other intellectual property rights in the Content are the sole and exclusive property of CW or their licensors.
You may view the Website on your computer screen and print its contents on your printer for your personal and non-commercial use only. For the avoidance of doubt, anything printed will form part of the Content.
Without the written consent of CW, you may not use, transfer, copy or reproduce any part of the Content, the Website or its source HTML code in whole or in part, in any form or by any means, electronic, mechanical or otherwise, except for the sole purpose of viewing its content. This includes electronic reproduction by uploading or downloading.
Changes to Website
CW reserves the right to:
- change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that CW shall not be liable to you for any such change or removal; and
- change these Terms and Conditions at any time.
Your continued use of the Website following any changes shall be deemed to be your acceptance of such change.
Links to Third Party Websites
The Website may include links to third party websites that are controlled and maintained by others. When you activate one of them you will leave the Website. CW have no control over, and will accept no responsibility for or liability in respect of, material on any website that is not under their control. Any link to other websites is not an endorsement of such websites or of their operators.
Disclaimers and Limitation of Liability
The Website is provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
To the extent permitted by law, CW will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.
Whilst we have made all reasonable attempts to exclude viruses from the Website we cannot ensure such exclusion and no liability is accepted for viruses or damage caused by them. You are therefore recommended to put in place all appropriate safeguards before downloading information from the Website.
CW makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else, which may be harmful or destructive.
If you are dissatisfied with any portion of the Website or with any of the Terms and Conditions, your sole remedy (except as specifically provided in these Terms and Conditions) is to stop using the Website.
Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of CW for death or personal injury as a result of its negligence or that of its employees or agents.
Availability
CW reserves the right at any time to modify or discontinue, temporarily or permanently, your access to or use of the Website with or without notice.
Monitoring
CW reserves the right to monitor and track your visits to the Website.
Indemnity
You agree to indemnify and hold CW and their employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against the Website arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of the Website.
General
CW operate as independent introducers, and no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and CW is intended or created.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
Unless otherwise specified, the Website is directed solely at those who access this site from the United Kingdom. Those who choose to access the Website from locations outside of the UK are responsible for compliance with local laws if and to the extent local laws are applicable.
A failure or delay by CW in enforcing compliance with these Terms and Conditions shall not be a waiver of that or any other provision of these Terms and Conditions.
None of these Terms and Conditions shall be enforceable under the Contracts (Rights of Third Parties) Act 1999 by any third party.
These Terms and Conditions constitute the entire agreement between you and CW as to your use of the Website.
The express provisions of these Terms and Conditions are in place of all warranties, conditions, terms, undertakings and obligations implied by statute, common law, custom, trade usage, course of dealing or otherwise, all of which are excluded to the fullest extent permitted by law.
Any and all notices to be given by either one of us to the other pursuant to or in connection with these Terms and Conditions shall be deemed sufficiently given when forwarded by e-mail or facsimile transmission in each case addressed to you at the e-mail address or facsimile number you have given us or to us at the e-mail address or facsimile number displayed on the Website.
These Terms and Conditions shall be governed by and construed in accordance with the law of England and you hereby submit to the exclusive jurisdiction of the English courts.
Cator Wells Limited (13661219), Registered Office: 30 Churchill Place, London, E14 5RE.
Complaints Policy
Purpose of this Complaints Policy
This policy sets out how we will deal with complaints promptly and fairly under our regulatory obligations to our clients.
A complaint is defined as any oral or written expression of dissatisfaction from or on behalf of a person about the provision of, or failure to provide, a financial service or a redress determination, which alleges that the complainant has suffered or may suffer financial loss, material distress or material inconvenience.
What This Complaints Policy Covers
This policy covers how complaints are dealt with in relation to the services provided by Cator Wells Ltd, and how complaints should be made about the services offered by Cator Wells Ltd. All complaints will be dealt with promptly in line with the procedures set out below.
Making a Complaint
Complaints may be made free of charge to Cator Wells Ltd by the following means:
- By Telephone: 0208 127 6996
- By Email: enquiries@catorwells.com
- In person to your consultants
- In writing to our address below:
Cator Wells
30 Churchill Place
London
E14 5RE
Please provide us with your name, address, contact telephone number and account reference number together with full details of your complaint.
How We Handle Your complaint
Upon receipt of a complaint, Cator Wells Ltd will issue a prompt acknowledgment letter.
An individual within Cator Wells Ltd with sufficient experience, competency and authority will be nominated to investigate the complaint. This individual will be responsible for ensuring that your complaint is recorded and handled promptly.
Within four weeks of the complaint, Cator Wells Ltd will send the complainant either a final response or a further holding response, explaining why it is unable to provide a final response.
In the unlikely event that Cator Wells Ltd cannot send a final response to the complainant within eight weeks of the complaint, it will provide a further holding response that stipulates the reasons for the further delay and indicates when it expects to provide a final response.
Cator Wells Ltd will provide any complainant with fair compensation for any acts or omissions for which it is responsible and comply with any consequent offers of redress that the complainant accepts.
Confidentiality and Data Protection
We take Confidentiality and Data Protection seriously. All information will be kept fully confidential in line with our Data Protection policies, and only be accessed by the relevant people involved in assessing the complaint.
Ongoing services and support from Cator Wells Ltd will not be compromised by making a complaint.
Further Questions
Should you require further clarification of our complaint handling procedure, please contact us using the details provided above.