AR Status Disclosure

The following statement should be added:
Millennium Finance Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority”

Risk Warning

The following statement should be added:
“YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE”

Reference to Mortgage Fees

“This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.”

UK Audience

The following statement should be added:
“The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.”

Buy to Let

The following statement should be added:
“The Financial Conduct Authority does not regulate all Buy to Let mortgages”

Cookie Directive

All websites must obtain explicit consent from the user before any cookies are downloaded. The directive applies to websites hosted inside and outside the UK
Where cookies are used websites must:
• Tell the users the site uses cookies
• Explain what cookies do
• Obtain consent to store a cookie on their device (PC, phone, ipad etc.)
If your website uses cookies or similar files, decide what solution is best to gain explicit consent from users of the site.
The rules specify visitors are now:

(a) provided with clear and comprehensive information about the purposes of the storage of, or access to, that information; and
(b) given the opportunity to refuse the storage of or access to that information

Historically websites have ‘buried’ information about the use of cookies in terms & conditions, and relied on users ‘opting out’ – both practices are no longer acceptable.

If you currently collate cookie data, regardless of whether the information is actually utilised, and wish to continue with this practice, the regulator is advocating you take the following steps in order to understand the potential impact of any changes on your own business:

1. Check what type of cookies and similar technologies you use and how you use them.
2. Assess how intrusive your use of cookies is.
3. Decide what solution to obtain consent will be best in your circumstances.

A handy and free online resource which may help provide more background and context can be found at http://www.allaboutcookies.org/

Data Protection
Attach the GDPR Privacy Policy as per template included.