Dashly (“We”, “Us” and “Our”) is a limited company registered in England and Wales under company number 09619788. Our main trading address is Found Studios, 1 Lindsey Street, London, EC1A 9HP. Our VAT number is 26467408.
We are registered with the Information Commissioner's Office (ICO) with registration number ZA308181.
To contact us, please email firstname.lastname@example.org.
We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.
These terms were most recently updated on 20th May 2018. Previous versions of these terms can be found archived at.
Certain parts of Our Site may require an Account in order to access them. In order to avail of our Services, you must set up an Account on our Site via Registration.You may not create an Account if you are under 18 years of age.
During Registration, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures during Registration, you must treat such information as confidential.
You must notify us immediately if you suspect or become aware that the confidentiality of your Account has been compromised.
We reserve the right to terminate your Account if:
You must notify us immediately if you suspect or become aware that the confidentiality of your password has been compromised at DPO@dashly.comAccount Deactivation and Reactivation
You may at any time temporarily deactivate your Account. Whilst your Account is deactivated, you will not be able to use any of the Services and you will not receive any notifications from Dashly other than those regarding Policy and Account support. You may reactivate your account at any time. If your account has been deactivated for 5 years we will close your Account and any of your Profile Data will be dealt with in accordance with our Account Closure and Deletion policy below.Account Closure and Deletion
We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities or for any regulatory reason.We may suspend or withdraw our site
Access to our site is made available free of charge. It is your responsibility to make any and all arrangements necessary in order to access Our Site.
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
Our site is directed to people residing in the England, Scotland and Wales, and for mortgages in respect of properties in those countries. We do not represent that content available on or through our Site is appropriate for use or available in other locations.Our responsibility for loss or damage suffered by you
By using the Site, you agree that:
If you do any such acts, we may take such action as we deem appropriate, including denying you access to our Site, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
We provide two services:
The Dashly Financial Comparison service enables you to compare a number of prices for products and services, as well as product information from the whole mortgage market, based on your Profile Data. This will enable you make an informed decision before proceeding to your chosen provider for further information.
When providing this service, we are acting as an independent online financial comparison search provider. We offer access to the full range of mortgage products available in the England, Scotland and Wales markets, as applicable to you. When it comes to our providers, we offer impartial and independent comparison.
We will provide recommendations for financial products to you on our Site, and will also send you notifications from time to time, in the form of comparison results, ranked according to the potential savings we believe may be available to you, based on your Profile Data.
If your Profile Data was inaccurate, not up-to-date, or your needs or circumstances have changed since you last updated your Profile Data, then you should update your Profile Data so that we can provide you with accurate recommendations, or speak to a mortgage advisor. We will notify you if your updated Profile Data changes our recommendations to you.
Dashly also relies upon the availability of third party systems and websites, including Lenders. At times some or all financial products may not be available to you due to problems with third party websites or connectivity. Wherever possible, we will try and notify you of this and email you to let you know when your Comparison Results are ready.
The Comparison Results will provide financial product links, which will take you to third-party websites. Any transactions entered into by You and a third-party provider will be governed by that third-party’s terms and conditions. We have no control over the contents of those sites or resources.
Each entry on the Comparison Results is for the purposes of illustration and is not an offer from a Lender to provide you with that product. The Lender will require more detailed information from You before it can assess whether it is willing to provide you with the product. Before the lender gives you a binding offer you will be provided with a detailed explanation of the terms of the mortgage.
The Dashly Financial Comparison service is free for You to use. We may receive a fee and/or commission from a third-party product or service provider in relation to products or services which have been made available to you through our Dashly Financial Comparison service.
We can also provide a free mortgage advisory service to You. When providing this service, we are acting as a mortgage intermediary. We can offer you access to a range of mortgage products from a panel of lenders in the UK mortgage market. Our Dashly Mortgage Advice service may only be applied for by individuals and not for business purposes, with the exception of any Buy-to-let mortgages.
If you meet the relevant criteria, we will send you a selection of mortgages based on your Profile Data, and any discussions which we have had with you. Please take time to review such selection. Where we have recommended mortgage products to you, these are provided by third party Lenders.Fees and Key Facts
You can upload Profile Data documents to your Account. The documents will need to be of sufficiently legible quality so that we can review the contents. We use automation, including OCR, to process the content of your uploads and pre-populate sections of your Profile Data. You must review all pre-populated sections following upload, as any errors due to lower quality scans are your responsibility and may reduce the accuracy of any services provided to you based on those uploads.
Whenever you upload content to our Site, or make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Policy. You warrant that any upload does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy .
You are solely responsible for retaining original copies of all Profile Data uploaded to our Site, and we are not liable for any loss of data, or other consequential losses, for any loss of documents uploaded to our site.
You may be entitled to rights separate to these Terms and Conditions under English consumer law or other legislation.
When you upload or post content to our site, you grant us the following rights to use that content:
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
Unless you are using our Services, nothing on our Site is intended to be, or should be construed as:
Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site damages your device or other digital content belonging to you, you may be entitled to certain legal remedies. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office.
"DASHLY" and the Dashly Logo are UK registered trade marks of Dashly Limited. You are not permitted to use them without our approval.
If you wish to link to or make any use of content on our site other than that set out above, please contact email@example.com.
Dashly welcomes and encourages feedback of all kinds from our customers. If you have a Complaint about our services, our customer service, or about our staff, not only do we want to resolve it to your satisfaction but we also want to learn from it in order to improve our business and customer experience in the future.
If you have any questions or complaints about the services, please contact us. You can write to us at firstname.lastname@example.org and Customer Services, Dashly Ltd, Found Studios, 1 Lindsey Street, London, EC1A 9HP..
It is our policy to resolve Complaints quickly and fairly, where possible without recourse to formal investigations or external bodies. In particular, the aims of this Complaints Policy are:
(Please note that whilst we will make every reasonable effort to accommodate such requests, we are not bound to take any action beyond that which we may be contractually or otherwise legally obliged to take.)
If your Complaint concerns a product or service that you have purchased through either of our Services, you can complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain.
We cannot answer complaints on behalf of a Lender or other third party, nor accept responsibility for any such complaints. The complaint handling policy for such parties will be set out on their websites, and we recommend that you visit the website of the product or service provider and follow this complaints handling policy.
We will seek to resolve your Complaint as soon as possible. We will send you an acknowledgement of your Complaint to you within five business days of its receipt. In this acknowledgement we will advise you of the person who will be dealing with your complaint.
If eight weeks have elapsed since the receipt of your Complaint without resolution, we will send you a notification setting out why we are still not in a position to issue a decision on your Complaint and advising you of when we expect to be able to do so.
You may after eight weeks, or if you are unhappy with our response to your complaint, contact the Financial Ombudsman Service who may be contacted at Exchange Tower, London, E14 9SR or by telephone on 0800 0234567. Their website is at www .financial-ombudsman.org.uk
All Complaints and information relating thereto are treated with the utmost confidence. Such information will only be shared with those staff of Dashly who need to know in order to handle your Complaint.
Dashly is committed to protecting the privacy and confidentiality of personal information in our possession and control. This Privacy Notice explains the measures we take to fulfill these commitments and describes the manner in which we collect, use, discloses and otherwise treats personal information through our website available at dashly.com, including all subpages and successor pages (collectively referred to as the “Website”) as well as through other interactions with our clients and prospective clients.
This privacy notice is provided in a layered format so you can click through to the specific areas set out below. Please also use the Glossary to understand the meaning of some of the terms used in this privacy notice.
This privacy notice aims to give you information on how Dashly collects and processes your personal data through your use of this website, including any data you may provide through this website when you sign up to our service, newsletter, mailing list or take part in a competition.
This website is not intended for children and we do not knowingly collect data relating to
It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.
Dashly Ltd is the controller and responsible for your personal data (collectively referred to as "Dashly", "we", "us" or "our" in this privacy notice).
We have appointed a data privacy officer who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise (your legal rights), please contact the data privacy manager using the details set out below.
1 Lindsey Street
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
This version was last updated on 20th May 2018.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Dashly needs to collect personal information from our clients and prospective clients in order to provide services to you and fulfill our legal and regulatory obligations. Understanding a customers needs and wants, financial position and family circumstances enables us to ensure that all recommendations are suitable. This is both a regulatory requirement and good business. Dashly is committed to protecting our customers privacy and the confidentiality of their personal information in our possession. We may collect process store and transfer the following information about you;
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
We use different methods to collect data from and about you including through:
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Click [here] to find out more about the types of lawful basis that we will rely on to process your personal data.
Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. You can control your choices through the following personal data control mechanisms:
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased goods or services from us or if you provided us with your details when you entered a competition or registered for a promotion and, in each case, you have not opted out of receiving that marketing.
We will get your express opt-in consent before we share your personal data with any company outside our group of companies for marketing purposes.
You can ask us or third parties to stop sending you marketing messages at any time by logging into your account and checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you or by contacting email@example.com at any time.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase, warranty registration, product/service experience or other transactions.
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
We do not transfer your personal data outside the European Economic Area (EEA).
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
How long will you use my personal data for?
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they cease being customers for tax purposes.
In some circumstances you can ask us to delete your data: see Request erasure below for further information.
In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. Please click on the links below to find out more about these rights:
More information on your rights may be found at www.ico.org .uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/ If you wish to exercise any of the rights set out above, please contact us.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
In this Policy the following terms shall have the following meanings:
|“Account”||means an account required to access and/or use certain areas and features of our Site;|
|“Cookie”||means a small text file placed on your computer or device by our Site when you visit certain parts of our Site and/or when you use certain features of our Site. Details of the Cookies used by our Site are set out in Part 14, below; and|
|“Cookie Law”||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;|
Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us
Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.
Other companies in our Group based in the United Kingdom and who provide IT and system administration services and undertake leadership reporting.
You have the right to:
Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
When it comes to keeping your data and information secure, we never rest. We’ve built bank-grade security measures into the system to make sure you can use Dashly with confidence.
Secure data transmission: When you load a page in your browser, or upload something to Wave, all that information is encrypted while it’s moving over the internet. We lock up your data with up to 256-bit TLS encryption, the strength of protection you get with online banking and shopping. We also support a wide variety of cyphers — another kind of code — for our communications, to ensure the highest level of encryption possible, based on your browser.
Secure data storage: Your accounting data is stored on servers that have strict physical access protocols, meaning there are rules in place limiting access to only the people who need it to do their jobs. The facilities are controlled with 24/7 monitoring, and the technology is digitally protected.
Security Testing: Wave uses many layers of security testing. We test our systems internally, but that’s not enough in our opinion. We also regularly bring in third-party security firms such as Netitude and TrustArc to perform vulnerability assessments and penetration tests against our systems.
Passwords are encrypted when they’re collected, when they’re sent to our servers, and we never store them without encrypting them first. In fact, all communications between our apps and our servers are encrypted using Transport Layer Security (TLS) — the replacement for Secure Sockets Layer (SSL) — the highest level of security protocols available. Beyond that, we don't store any sensitive information, such as account numbers, on the device ever.
We’ve built an internal risk system that uses a wide variety of tools and insights to protect you and your customers from fraud. We’ve integrated several third-party security and anti-fraud service providers to create a layered approach to risk detection, for the highest level of protection. And our team of risk analysts monitor high risk and out-of-pattern behaviour to keep our platform safe.
We’ve got your back when it comes to chargebacks. Our team is trained to coach you in best business practises to make sure you’re collecting the right information up front to protect your business from chargebacks. In the event that you do receive a chargeback (it happens!) our experts have the experience necessary to build your best case.
As a company, Dashly complies with the General Data Protection Regulation (GDPR). We take customer data privacy seriously, ensuring that:
Dashly uses Auth0.com to safeguard our users accounts, with default email verification at account creation time and during password resets. Auth0 has been built on tested, verified identity standards, including LDAP, SAML, OAuth, OpenID, OpenID Connect, and JSON Web Tokens (JWTs) - all of the common and most popular identity standards. Auth0 participates in standards organisations like the OpenID Foundation making it easy for Dashly to leverage these powerful standards to shield our own applications and APIs.
Do you have additional questions about the security of Dashly? If so, please don’t hesitate to contact us. We’d be happy to tell you more about the many steps we take to ensure the security of your sensitive information.