Insurance:

Insurance

Few things in life can provide more peace of mind than having a secure financial future. Whether it’s your family, home or lifestyle, knowing that the things that are most important to you are protected if the worst should happen means you  can enjoy the here and now.

Many people use multiple credit cards in their daily lives, and it’s not uncommon to take out a loan to cover home improvements, purchase a vehicle, or to consolidate debt. Mortgages are likely to be the most significant credit people will ever have. The cost of repaying multiple creditors may not pose a problem when you can rely on your monthly income, but what if that should change? It’s easy to see  how debt can pile up quickly. There are different types of insurance which could help to ensure you don’t encounter serious debt problems in the short-term if your circumstances should change suddenly.

Get a quote now​
Get a quote now​

Request Documents

  • 1) Provide the relevant personal information and the insurance information, including：Name, Gender, Date of birth, Address, Email, Smoke status, Insurance information (e.g. home insurance - need to provide the information regarding your home)
  • 2) Provide ID (e.g. Passport) and Poof of address (e.g. Utility bills or Bank statement or credit card statement within last 3 months).

Insurance Steps and Time Scales

  • 1) Communicate with your insurance broker and describe your purpose of buying the insurance as well as what type of insurance you need.You need to sign some relevant documents, such as Privacy Notice and Authority to Proceed, in order to protect your privacy and interest.
  • 2) According to your needs, the insurance broker will seek for a proper product from the relevant market or its own panel and give you an initial plan. The plan generally includes a quotation, product research and price comparison, and key facts document.Communicate with your insurance broker after reading the initial plan, manage to clarify the essential details such as the product cost, the term of service and the potential risk, and adjust the plan details to make the final decision to meet the actual needs within reasonable budget.
  • 3) Provide your relevant personal information and make a payment in accordance with the request of insurance company. The policy will be in force after underwriting.You will receive the insurance policy certificate and relevant documents from the insurance company by email or/and post mail.

News

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Oceantide Wealth

With constant effort, we have now become the leading specialist mortgage introducer in UK’s Chinese communities and built close relationship with various delivery partners. Specialising in providing face-to-face advice on overseas buy-to-let mortgages, bridging loans, personal and home insurance, Oceantide Wealth is committed to providing our customers with a personalized service, which encompasses our high standards of customer care.

Complaints information

If you are unhappy with our service, If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us: Oceantide Wealth Complaints Department  30 Crown Place EC2A 4EB

Email: Jenny@oceantidefinance.com

Tel: 020 7965 4600

Opening hours

Our office is open from Monday to Friday, with the exception of the bank and public holidays.

Monday – Friday

9:30 – 17:30

Weekend and Holidays

Closed

Ocean Tide Wealth Limited T/A Oceantide Wealth is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority. The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. Not all services we offer are regulated by the FCA. Your home may be repossessed if you do not keep up repayments on your mortgage. 

There will be a fee for mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £500. 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. Changes in the exchange rate may increase the sterling equivalent of your debt.

We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.For sales of non-investment insurance products such as life and critical illness insurance, we are remunerated by commission from the insurance provider. Commission will normally be based on a percentage of your premium for a set period of time.

Customer Privacy

Oceantide Wealth Privacy Notice

Oceantide Wealth are committed to protecting your privacy. This policy statement, together with any document referred to within, sets out the basis on which we will use the personal information you supply to us directly yourself or supplied to us by a third party.  Oceantide Wealth is responsible for the processing of the personal information you supply and is registered with the Information Commissioners Office under the UK Data Protection act 1998, registration number ZA756260.

Website

We have structured our website so that you can visit without identifying yourself or revealing any personal information.

If you review or download information from the website, this information is tracked to enable us to provide you with tailored information and to give us information about your use of our website. This action will not personally identify you.

Should you wish to complete a contact or enquiry form on the website or through our connected portals, we collect and store the personal information supplied to us via secure servers to enable us to fulfil your request.

Any personal information you chose to disclose via the website or portals will be processed in accordance with this privacy notice.

What information do we collect?

To arrange a mortgage, loan or other plan or service for you, we will need to collect a wide range of personal data and financial related information. Our UK based team will only collect information that is pertinent to the service we provide and will hold this information only for as long as necessary.

We will also collect credit or debit card details to make payments for Oceantide Wealth services and to pass to relevant parties such as lenders and surveyors. This information will not be retained after payment has been made.

We will retain and process your personal information based on our ‘Terms of Business’ contract with you, our statutory and legal obligations, our regulatory requirements and our legitimate business interests.

How is the information collected?

We collect information via a variety of means which include website forms, telephone calls, email, text messages, social media, post, fax and face to face meetings. We may also monitor and record our telephone conversations with you.

The information may be collected directly by Oceantide Wealth and its staff.

How is the information used?

Oceantide Wealth will use personal data received to process your request for a mortgage, loan or other plan or service on your behalf. You may advise us at any time should you no longer wish us to use your data. We will use the information in several ways to improve how we support our customers, which includes but is not limited to:

  • Letting you know about changes to our products and services.
  • Confirmation of your identity.
  • Training of our staff and fraud Investigation and prevention.
  • Confirmation of the documents and information you provide to us.
  • Keeping our records up to date and complying with regulatory and legal obligations.
  • Administration and review of the mortgages, finance and products we have arranged for you.
  • Helping us to assess your needs for protection plans in connection with your borrowing.
  • Conducting surveys to help us improve our service.

Who will your information be shared with?

To arrange a mortgage, loan or other plan or service we will need to share your personal data with relevant third parties. These third parties include mortgage lenders, product providers, surveyors, solicitors and other parties that relate to your applications.

When we proceed with a mortgage, loan or other plan or service for you and your data is shared with a lender or provider, we recommend you also read their Privacy Notice in conjunction with ours. This can be found on the lenders or providers website or our central page here: https://cmortgages.co.uk/lenderprivacy/

As an Appointed Representative of Connect IFA Ltd, information about yourself will be shared with Connect IFA Ltd who are our Network. Connect IFA Ltd assist us with the processing your application as well as for compliance oversight purposes.

If your request for services has come from an introducer of business to Oceantide Wealth, we may share limited information with the introducer for the purposes of keeping them informed as to how your application is progressing.

We use third party software systems including cloud-based storage, to help us to manage mortgage, loan and product applications and to process and verify the personal information you supply to us. All software suppliers store any data in the UK and are subject to UK regulations including the UK Data Protection Regulations and are obliged to keep your details securely and use them only to fulfil the contracted service.

Marketing

We will seek your explicit consent to provide you with general market news and updates and to inform you of any products and services offered by Oceantide Wealth and its associated companies that are not connected with your specific mortgage, loan or other plan or service. If you use a service offered by Oceantide Wealth , you will not automatically be opted in to marketing without your consent. We will not provide your personal data to any unconnected third party in connection with marketing.

We will obtain explicit consent from you either verbally, via our website, via meetings face to face including shows and events, by email, or by completion of a consent form and will keep a record of your consent.

Marketing may include emails, telephone calls, social media and postal marketing. You can advise us of your preferences on how you would like us to provide marketing and the marketing content that is of most interest to you. You may update your preferences at anytime and you may also withdraw your consent at anytime.

Changes to our Privacy Policy

It may be necessary to update this privacy policy from time to time to meet legal, regulatory and commercial requirements. Please visit this page from time to time and take note of any changes. Any personal data collected prior to any change will not be affected by the change without your permission.

On the 25th May 2018, The Data Protection Act 1998 was superseded by The Data Protection Act 2018 supplemented by GDPR. This Privacy Notice sets out most of your rights under the new act but may be updated further if regulation changes in the future.

Changes of ownership

Oceantide Wealth may from time to time sell or transfer the control of the company. Any personal data supplied by you where relevant to the part of the business being sold or transferred will be transferred to the new owner or controlling party and will continue to be used under the terms of this policy for the purposes that the personal data was originally supplied to us.

Access

You have a right to access any personal information we hold about you. To request access or for any questions about this privacy policy please contact: Oceantide Wealth, 30 Crown Place EC2A 3EB Jenny@oceantidewealth.com

Privacy notice
Legals

Oceantide Wealth is a trading style of Ocean Tide Wealth Limited, which  is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.Registered Address: 30 Crown Place, London EC2A 4EB

Company Registration Number: 11910858

Place of Registration: England and Wales

Mortgage availability depends upon your circumstances. Commercial mortgages and buy-to-let and offshore mortgages are not regulated by the FCA.

Legals
Contact Us：
Phone:

London Office 020 7965 4600

Email:

Jenny@oceantidefinance.com

Address:

London Office: 30 Crown Place, London EC2A 4EB