GENERAL
When you use this website, you must observe these terms and conditions. We may change them from time to time. "We" are rainbowgrp.co.uk .
The copyright and all other intellectual property rights in this website (including all text, graphics, code, files and links) belong to us or our licensor. You must not copy, transmit or store (in whole or in part) the contents of this website without our written consent.
This website may contain links to websites operated by third parties. We have no control over their content and therefore cannot be held responsible for it. The links are for your convenience. We do not recommend any products or services advertised on those websites.
These conditions and any claim based upon use of this website shall be governed by the laws of England and you agree to submit the exclusive jurisdiction of the English courts.
LIABILITY
Due to the nature of software and the internet, we cannot guarantee that your access to, or running of, this website (or the processing of transactions conducted through it) shall be uninterrupted or error free. We shall not be liable if we cannot process your details due to circumstances beyond our reasonable control.
The information provided on this website is for general interest only and does not constitute specific advice. We do not accept any liability if you suffer any loss as a result of using this website or relying on any information provided on it.
CREDIT SCORING
We may use the information you provide to assess the suitability of your application using a technique known as 'Credit Scoring'. We may monitor and record telephone calls to help give a high level of service.
DATA PROTECTION ACT
Any information you provide will be held by Rainbow and partnering companies. Members of Rainbow may use it to inform you by letter, telephone, e-mail, or otherwise, about any products and services offered by the group and selected third parties, unless you have asked us not to do so. By applying online or signing a declaration, you agree that we can use your information in the ways described. So that we can deal with your application, you have to make the following declaration:
"I authorise Rainbow to make any enquires of any third parties for reference purposes or for confirmation of employment details and for the third party to disclose any information to Rainbow.
I agree that Rainbow may search the files of a credit reference agency, which will keep a record of that search. If I subsequently take out a credit product such as a mortgage or loan, details of how I conduct the account may also be disclosed to the agency. This information may be used by other lenders in assessing applications from me and members of my household and for occasional debt tracing and fraud prevention.
I agree that Rainbow may undertake a search with a credit reference agency for the purposes of verifying my identity. To do so the agency may check the details I supply against my particulars on any database (public or other) to which they have access. They may also use my particulars in future to assist other companies for verification purposes. A record of the search will be retained.
I confirm that for a application in my sole name, within a joint Rainbow plan, I have authority from the other party named on the plan to agree to a search on them of the files of a credit reference agency. I confirm for a joint application that I have authority from the other applicant to disclose information and agree to a search on them of the files of a credit reference agency.
I agree to notify Rainbow of any change in circumstances relating to my purchase or mortgage before it is entered into."
PRIVACY
When we collect personal information from you via this website we will tell you about the purposes for which we may use it. We will also tell you about any companies to whom we might disclose it. We will only disclose it to companies specifically selected by us as offering services or products, which may interest you. We will not disclose it to any other third party without your permission unless we are required to do so by law. If you do not wish to receive information about other products or services from either us or selected third parties then please indicate this in the relevant section when you submit your personal details to us.
We will explicitly ask you when we need information to identify you. We may require you to co-operate with our security checks before we disclose information to you. You may update the personal information that you give us at any time by contacting us on 01708 502220.
We are registered under the Data Protection Act 1998, number X4221330. We shall follow strict security procedures to ensure that your personal information is not damaged, destroyed, or disclosed to a third party without your permission and to prevent unauthorised access to it.
We use "cookies" to enable you to personalise your visits to this website and simplify procedures, to keep track of your preferences and to track the usage of this website. Cookies are small pieces of information that are stored in the hard drive of your computer by your browser. We will use the cookies to provide us with information about your habits and preferences. You may turn off the cookies' function via the menu bar of your browser, but please note that this may reduce the functionality of this website.
You have a right to access the information that we hold about you. To obtain a copy of this information, you should write to Customer Services, Rainbow, 55 Gaynes Park Road, Upminster, Essex, RM14 2HL or e-mail us at info@rainbowgrp.co.uk. We may charge a reasonable fee for this service.
Additional Terms And Conditions
Please use the links below to view additional T&C's specific to our services...
CUSTOMER FEEDBACK
We operate a system to ensure that all customer feedback is dealt with fairly and consistently, and is properly recorded. We welcome any suggestions that you make about how we may improve our service. Please send your comments to, Customer Services, Rainbow, 55 Gaynes Park Road, Upminster, Essex, RM14 2HL or e-mail us at info@rainbowgrp.co.uk. We aim to acknowledge all customer feedback.
CARE
Please note that there are a number of companies operating under the generic Rainbow name.
Please note that the mortgage firm Rainbow Home Loans Ltd is NOT part of Rainbow.
Rainbow has NO connection with the Rainbow “lottery” financial promotion. This promotion involves members of the public receiving unsolicited mail, normally originating from overseas, advising them that they have won a lottery prize. In order for the prize to be claimed a processing fee needs to be paid by the “prize winner”.