Honest, Affordable Financial Advice

Our Process

This section covers the foundations of how we operate our professional service to you, so it’s clear, fair and not misleading in any way.

The Process and You

Our industry and regulation requires the treatment of clients to be fair and consistent. More than ever now the emphasis is on firms communicating in a way which is clear, fair and not misleading.

Our profession requires a structured approach to mortgage advice and life insurance advice so that we can avoid any misunderstandings; work with you in the most client friendly way and in line within our regulatory framework. This has massive benefits to us both as clarity and understanding foster a more productive partnership, we achieve more when we work together and the final result is better. So this is how we operate:-

Step 1 - Initial Consultation
We will not charge for our initial consultation. Its preliminary meeting for us to both to discover if we want to work together and if the services that can be delivered will meet your needs. Ultimately if you choose Warwickshire Financial to provide advice there will be a fee or fees involved as you would expect when dealing with a professional adviser and firm. This will be stated at our first meeting and will be a one off fee or fees, this is very transparent and will only become payable if you ask us to work on your behalf and submit an application for a product.

Step 2 - Research Process
We look at relevant existing financial arrangements and how they meet your objectives. We may advise that you do nothing or we may recommend products or services that will help you achieve your goals with greater efficiency or cost savings. The research process is our key to selecting the most suitable Mortgage from our comprehensive panel of lenders, and/or insurance policy from a range of well know providers.

Step 3 - Recommendations
These should dovetail with what you have asked for, to help ensure that the mortgage and protection products you have remain appropriate to your requirements, and should your circumstances change, to provide further advice where appropriate. If you have changed your mind or want to alter what has been offered that’s fine, you are never under any obligation. After all you drive this process; we facilitate access to the a comprehensive panel of lenders and a range of protection providers and ensure that you understand the product you are going to purchase.

Step 4 - Regular Reviews
We offer clients regular reviews to help ensure that the mortgage and protection products you have remain appropriate to your requirements and should your circumstance change, to provide further advice where appropriate. There is no charge for this unless you want more financial advice and is complementary to our service, further reinforcing our partnership and value for money.

General Policy Information and Use of Data

What Warwickshire Financial use personal data for - We collect personal data to enable us to comply with our regulator the Financial Conduct Authority. To ‘know your client’ is key to giving the most accurate and professional advice, identify you, deliver personalised offers and for the purposes of statistical analysis.

What we won’t do with your personal data – We will not sell, rent or disclose your personal details to any third parties except 1) when required to do so by law 2) in response to a valid legal request by a law enforcement officer or government agency 3) when you have explicitly or implicitly given your consent.

We do not store credit card details nor do we share customer details with any 3rd parties (with the exception of financial product providers as part of a business transaction between ourselves and our clients and where we have express permission to do so).

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 to charge to the address on our contact page.

Data Protection

How we use your information
This privacy notice tells you what to expect when Warwickshire Financial collects personal information. It applies to information we collect about:

• Visitors to our websites
• Personal financial reviews – face to face
• Personal financial reviews – telephone based
• General enquiries
• People who use our services, e.g. who subscribe to our newsletter, request information or a publication from us and share in our social media pages.

Visitors to our Website

When someone visits www.warwickshirefinancial.com we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. We collect this information in a way which does not identify anyone. We do not make any attempt to find out the identities of those visiting either of our websites. We will not associate any data gathered from this site with any personally identifying information from any source. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and will explain what we intend to do with it. Where enquiries are submitted to us we will only use the information supplied to us to deal with the enquiry and any subsequent issues and to check on the level of service we provide.

Search Engine

Our website is hosted by 3ofme.com, Search queries and results are logged anonymously to help us improve our website and search functionality. No user-specific data is collected by either Warwickshire Financial or any third party.

People Who Call the Office

When you call Warwickshire financial we collect summary details in most cases as you have requested our services. We do not record your calls.

People Who Email Us

Any email sent to us, including any attachments, may be monitored and used by us for reasons of security and for monitoring compliance with office/regulator’s policy. Email monitoring or blocking software may also be used. Please be aware that you have a responsibility to ensure that any email you send to us is within the bounds of the law.

People Who are Referred by Warwickshire Financial

We offer various referral services to clients which are not regulated by the Financial Conduct Authority such as Will Writing and conveyancing and Loans – secured and unsecured. We use third parties to deal with some enquiries where we do not have the relevant qualifications or expertise.

We have to hold the details of the people who have requested the referral service in order to provide it. However, we only use these details to provide the referral service the person has requested and for other closely related purposes. Our referral partners will have their own policy on the data they hold about you, please take note of this as they are totally separate businesses.

Data Protection Complaints or Queries

Warwickshire financial tries to meet the highest standards when collecting, using and storing personal information. For this reason, we take any complaints we receive about this very seriously. We encourage people to bring it to our attention if they think that our collection or use of information is unfair, misleading or inappropriate. We would also welcome any suggestions for improving our procedures.

This privacy notice was drafted with transparency and clarity in mind. It does not provide exhaustive detail of all aspects of Warwickshire Financial’s collection, use and storage of personal information.

We want to make sure that our communications with you are relevant, well received and appropriate. If you don’t want us to contact you anymore or have changed your mind, please let us know by email or post and we will stop communicating with you.

Access to Personal Information

If you agree, we will try to deal with your request informally, for example by providing you with the specific information you need over the telephone.

Links to Other Websites

This privacy notice does not cover the links within this site linking to other websites. We encourage you to read the privacy statements on the other websites you visit. We cannot be held responsible for any misuse of data when you navigate away from this site.

Changes to this Privacy Notice

We keep our privacy notice under regular review. This privacy notice was last updated on 06 February 2015.

How to Contact Us

Warwickshire Financial, 30 Newbold Road, Wellesbourne, Warwickshire, CV35 9QE

Call the office on 01789 841238 or call Dan on 07765042734

Please complete the contact us form and they will get back to you to discuss your requirements.

Home Insurance
Other Services

Call us now 01789 841238

We will charge an administration fee of between £0 and £499 payable on application. This amount will depend on the amount of research and administration required.

Daniel Dillon T/A Warwickshire Financial, registered in England at 30 Newbold road, Wellesbourne, Warwickshire, CV35 9QE. is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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