![]() ![]() Unlike making a mortgage application, we don't run a full credit check on you for an Agreement in Principle. Does a mortgage in principle affect your credit score?Ī mortgage in principle doesn’t affect your credit score’. Then, with your consent, we’ll check your full credit history with credit reference agencies. If you decide to apply for a mortgage, we’ll ask you more detailed questions about your finances to see how much you can borrow from us. It’s an indication that we could lend a specified amount, based on details you’ve provided about your income, spending and debts. Some lenders call it a mortgage in principle. What does an AiP mean?ĪiP stands for ‘agreement in principle’ for a mortgage. It's a good idea to complete another AiP if any of those details or your circumstances change, as it could affect your AiP outcome. ![]() We have implemented reasonable technical, physical and administrative safeguards to help protect that personal information from unlawful use and unauthorized disclosure.ģ.3 All CIC Plus employees are required to follow established procedures for protecting personal information.ģ.4 Access to personal information is limited to those individuals who need to access that information in connection with the services CIC Plus provides to its clients.Ĥ.1 CIC Plus uses and stores personal information only as needed to perform the specific services provided for in the agreement we have with each client.Ĥ.2 CIC Plus will not disclose personal information for any other purpose other than for the purpose of performing the services we provide to our clients, or as otherwise permitted by applicable law.How long does an Agreement in Principle last?Īssuming there's no change to the details you've given us about your income, regular spending and any debts you might have, your AiP will last for 90 days. We do not use those cookies to collect the user’s personal information.ģ.1 CIC Plus is committed to protecting the privacy and security of the personal information that is provided to us in connection with the services we provide to our clients.ģ.2 CIC Plus maintains appropriate security controls to protect that information. We will also capture session related information.Ģ.4 Our website uses cookies to improve the user’s experience when they use our web site. In some cases, we also receive information about that employee’s dependents and family members.Ģ.2 When a user creates an account, we also maintain information that allows us to authenticate the user’s identity.Ģ.3 When a user accesses our website, their IP address, browser, and device characteristics are collected automatically. ![]() The type of information we receive varies according to the specific services we provide.ġ.2 This Privacy Statement explains our practices with regard to the personal information we receive, obtain, process, and store for our clients.Ģ.1 Depending on the services we provide for a client, the categories of personal information we receive and maintain could include a person’s name, residential and work address, social security number, marital status, email address, phone number, and certain tax withholding, wage and related tax information. 1.1 In the ordinary course of providing services to its clients, CIC Plus receives personal information from its clients about their current and former employees. ![]()
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