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This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website, whether as a guest or a registered user. It also highlights the company policies. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
2.1 www.mcgranaghanestateagents.com, MCG Shanks estate agents.com are sites operated by McGranaghan Estate Agents (MEA) of 151 Andersonstown Road, Belfast, Co. Antrim, BT11 9BW ("We"). Our main trading address is Unit 8, 151 Andersonstown Road, Belfast, Co. Antrim, BT11 9BW & MCG Shanks Estate Agents (MEA) for this policy document.
2.2 Regulatory Compliance
The company and employees (full & part-time) will comply with all relevant legislation and regulatory requirements, including:
3.1 Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time or for any period.
3.2 From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
3.3 You may use our site only for lawful purposes. You may not use our site:
In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
3.4 You also agree:
3.5 You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and that they comply with them.
4.1 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.
4.2 You may print off one copy, and may download extracts of any page(s) from our site for your personal reference, and you may draw the attention of others within your organisation to material posted on our site.
4.3 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.
4.4 Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
4.5 You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
4.6 If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.
5.1 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
6.1 We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
7.1 The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
7.2 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
8.1 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which 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.
8.2 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 co-operate with them by disclosing your identity. In the event of such a breach, your right to use our site will cease immediately.
8.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
8.4 WE WILL NEVER ASK FOR YOUR BANK DETAILS.
9.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
9.2 You must not establish a link from any website that is not owned by you.
9.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
10.1 Both parties agree that Propertypal.com Limited may at any time enforce clauses 3, 4, 8 and 9 against you.
11.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
12.1 The Northern Irish courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site.
12.2 These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Northern Ireland.
13.1 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
14.1 Subject to clause 14.2, this agreement is made for the benefit of the parties to it and is not intended to benefit, or be enforceable by, any other person.
14.2 It is agreed and declared between the parties that the party named in Clause 10 may enforce any rights contained within these terms as if it were a party to the contract.
15.1 During the selling and renting process, please note that we have not tested any apparatus, fixtures, fittings, or services. Interested parties must conduct their own investigation into the accuracy of the description and the working order of these items. All measurements are approximate and are obtained by a Laser Tape and, therefore, may be subject to a minor margin of error. Photographs provided for guidance only. Floor plan layouts are for illustrative purposes only and not to scale. We reserve the right to change any data or format of any page of the site without notice. The particulars and plans included in any McGranaghan Estate Agents.com (MEA) brochure will have been carefully prepared and are believed to be correct, but their accuracy cannot be guaranteed, and no claim for errors or omissions can be admitted.
15.2 The Digital Markets, Competition and Consumers Act 2024 (DMCC Act), which replaces the Property Misdescriptions Act 1992, MEA endeavours to make our sales details accurate and reliable, but they should not be relied upon as statements or representations of fact. They do not constitute any part of an offer or fitting. Equipment referred to in the sales details has not been tested (unless otherwise stated), and no warranty can be given for its condition. We strongly recommend that you or your advisers verify all the information we provide about the property. Please note we have not tested the services or systems in the property. Purchasers should conduct or commission their own inspections if they feel it is necessary. All measurements are taken at the widest point. The brochure does not form part of your contract.
15.3 Brochures are prepared for the purpose of identification only and guidance for the purchasers. They do not form part of any contract, and all negotiations are subject to our prior approval. Intending purchasers may inspect the property only on the production of our authority. MEA reserves the right to change elevations, plans, specifications, and prices as required without notice before contracts are signed.
16.1 When looking to reserve a property from new development, reservations will normally be taken from customers who are in a position to sign a Building Agreement with finance in place, i.e. First Time Buyer, a customer with their property sold, a buyer not requiring financial assistance, etc. The Reservation Fee/deposit will be highlighted on the marketing materials. Unless otherwise stated, all deposits are non-refundable. All deposits received will be lodged in accordance with the Money Laundering Act 2001 and subsequently transferred to the developer's client account. We do not hold clients' deposits.
16.2 The developer has the right to return any site to available status prior to entering contracts or during the Reservation Period without notice.
16.3 The developer reserves the right to change the specification or sell the property to another customer during the Reservation Period, should that customer be in a better position to sign a Building Agreement. In such instances, the original customer will be given at least 24 hours' notice, during which time the Building Agreement must be signed. Upon acceptance of the Building Agreement (Contract), customers will be expected to pay a 5% deposit unless otherwise stated.
16.4 Descriptions such as builders finished, turnkey, Pc sums, Developer's specification, etc., can be used to describe how a property will be finished off internally/externally. As there are many interpretations of the aforesaid, all finishes will be clearly stated in the marketing material to avoid any purchaser's misconceptions.
16.5 The developer reserves the right to change the selling specification before entering into contracts or during the Reservation Period without notice.
16.6 The Digital Markets, Competition and Consumers Act 2024 (DMCC Act) MEA endeavours to make our new developments' sales details accurate and reliable, but they should not be relied upon as statements or representations of fact. They do not constitute any part of an offer or fitting. The equipment referred to in the sales/marketing details has not been tested (unless otherwise stated), and no warranty can be given for its condition. MEA endeavours to make our sales details accurate and reliable, but they should not be relied upon as statements or representations of fact. They do not constitute any part of an offer or fitting. We strongly recommend that you or your advisers verify all the information we provide about the property. Purchasers should conduct or commission their own inspections if they feel it is necessary. All measurements are taken at the widest point. The brochure does not form part of your contract. We strongly recommend that you or your advisers verify all the information we provide about the property before signing contracts.
17.1 MEA reserves the right to refuse a viewing to any potential purchaser without justification or reason.
17.2 If a viewing is made and non-attendance occurs due to failure to cancel, MEA reserves the right to charge a failure to attend fee of £35, including VAT. If the aforesaid occurs and the fee is not settled, Mea reserves the right to refuse a further viewing.
17.3 When booking a viewing, the following details must be supplied:
18.1 Mea uses a voice-telephony recording system to record calls to our telephone lines. Voice recordings shall be retained for training and monitoring purposes.
18.2 The system is used for the following purposes:
18.3 Callers will not be informed that their calls are being recorded. Data recorded by MEA's telephone voice recording system should only be used for the purposes set out above. The data shall be held securely and accessed only by authorised users. Senior members of staff may, within the scope of usage described above, export data from the voice recorder. Exported data shall be stored in secure locations, but shall be deleted within 12 months of capture.
19.1 Mea uses closed-circuit television (CCTV) cameras or other video equipment to monitor Video recordings. This shall be retained for the purposes of staff training, safety and security on/in and around MEA branches. All (CCTV) is monitored at the branch and the Head Office.
19.2 The purpose of video recording public areas by security personnel is to deter crime and to assist MEA in protecting the safety of staff and property.
19.3 Video recording of public areas for security purposes will be conducted in a manner consistent with all existing MEA policies.
19.4 Video recording of public areas for security purposes at MEA is limited to uses that do not violate the reasonable expectation of privacy as defined by law.
The company will maintain records relating to:
Records shall be stored securely and in accordance with UK GDPR and the Data Protection Act 2018
20.1 Unless otherwise specified, all offers & promotions are limited to time, date and branch. You must contact the branch for their full terms and conditions. For example, a radio/newspaper advertisement/promotion could offer a fixed fee with no upfront costs⦠this offer might only be valid for a specific officeâ¦Therefore, we advise contacting one of our branches for the full terms and conditions of all offers.
20.2 Offers may not be combined with any other promotion, discount code, coupons or leaflet drops. We occasionally run promotional offers as incentives or limited-time opportunities. During the promotional periods, all promotions are subject to change without notice.
20.3 All promotions can be withdrawn without notice. If your property is withdrawn from the open market, we refer you to the terms of your signed agency agreement. Please contact the head office at (028) 90 30 90 30 for further clarification.
20.2 Estate agents can recommend external companies, such as solicitors or mortgage companies. You are not legally obligated to use an estate agent's recommended solicitor/mortgage broker; we cannot make it a condition of accepting your offer. While a referral is not illegal, if one is made, MEA will clearly disclose any commissions we receive.
In the unlikely event you have a complaint to register;
Stage 1: Please send written correspondence containing your full name, address, contact telephone details and the nature of your complaint. You can address your complaint to the branch manager. Acknowledgement will be sent within 10 working days. Due to firewalls and spam, we will not accept complaints by email. Please send by recorded delivery.
Stage 2: Formal investigation. After a thorough investigation has been completed, it is our company policy to respond to your complaint within 28 working days.
In accordance with the Digital Markets, Competition & Consumer Act 2024 and the General Data Protection policy, we will not reply to 3rd parties.
Stage 3: In the unlikely event you are still unhappy with our response, or the complaint remains unresolved, you can refer the matter to The Property Redress Scheme, of which we are members.
Records of all complaints will be retained.
Anti-Money Laundering (AML) obligations: Estate agents are supervised by HM Revenue & Customs (HMRC) and must comply with the Money Laundering Regulations 2017. Upon agreement of a sale, purchasers will be asked to produce identification documentation and complete an online AML check. This will be kept on record in the event of an HMRC inspection.
McGranaghan Estate Agents is a reputable estate agent committed to ensuring that adequate controls and measures are in place to counter money laundering and terrorist financing. On 26 June 2017, the Money Laundering Regulations 2017 came into force in the UK. These regulations supersede the Money Laundering Regulations 2007 and subsequent amendments. As with all Estate Agents, MEA is subject to the Money Laundering Regulations 2017. This means we must obtain and retain identification and proof of address for all customers. Where appropriate, the source or destination of funds will also be requested. Without this information, we will be unable to proceed with any works on your behalf. Estate agency work should be read in accordance with section one of the Estate Agents Act 1979. Estate Agents' obligations are to carry out Customer Due Diligence (CDD) on all parties. Therefore, in accordance with due diligence as an estate agent, any customer/s (landlords, vendors, tenants or purchasers, etc.) carrying out business transaction/s with our firm require two forms of documentation from the following. This is in accordance with the Money Laundering Regulations 2017.
We are registered and supervised by HM Revenue & Customs for compliance.
23.1 Risk Assessment: We are required by the Money Laundering Regulations to assess risks within the business to understand our customers and identify behaviour and circumstances that may indicate a higher risk of money laundering and terrorist financing activities. This means we are obliged to undertake and document an in-depth risk assessment and subsequently implement the appropriate policies and procedures to minimise this risk.
23.2 Training: At MCG, we encourage Continuing Professional Development (CPD); therefore, staff training in areas of anti-money laundering legislation is an integral part of employee development. Employees will ensure they are aware of the risks of money laundering and terrorist financing, the relevant legislation, and their responsibilities under that legislation, and that they are fully trained in the firm's procedures for identifying and dealing with potential money-laundering or terrorist-financing activities. As part of the regulations, our firm is required to determine whether there are any beneficial owners on whose behalf the transaction or activity is taking place; therefore, we request that you identify anyone you consider a beneficial owner. Where appropriate, the source or destination of funds may also be requested. Without this information, we will be unable to proceed with any works on your behalf.
23.3 Suspicious Activity Reporting: The staff member dealing with the individual/transaction will notify the Money Laundering Reporting Officer (MLRO) or Deputy MLRO if they have reason to suspect that a person may be engaged in money laundering and/or terrorist financing. The MLRO and/or Deputy MLRO will review the information to hand and make a final judgement as to whether to submit a Suspicious Activity Report (SAR) to the National Crime Agency. Any decision to submit an SAR will be kept confidential and will not be shared with the subject or any member of staff. Contact details for the appointed MLRO are provided below. WARNING: Suspicious activity will be reported to Inland Revenue & The National Crime Agency (NCA)
23.3.1 Record Keeping: In accordance with current legislation, records of all Customer Due Diligence will be retained for at least five years from the end of the business relationship or five years from the date the transaction was completed. The purpose of keeping these records is to demonstrate the business's compliance with the regulations and to aid any resulting investigations. The personal data we are obliged to collect under these regulations is necessary to exercise a public function in the public interest, and we cannot lawfully delete it, even if requested under GDPR legislation, until this period has elapsed.
23.4 WARNING: Suspicious activity will be reported to The National Crime Agency (NCA) RECORD KEEPING In accordance with current legislation, records of all Customer Due Diligence will be retained for at least five years from the end of the business relationship or five years from the date the transaction was completed. The purpose of keeping these records is to demonstrate the business's compliance with the regulations and to aid any resulting investigations. The personal data we are obliged to collect under these regulations is necessary to exercise a public function in the public interest, and we cannot lawfully delete it, even if requested under GDPR legislation, until this period has elapsed.
We require sight of all original or certified documents. Subject to your individual circumstances, we may liaise with you for further/other documentation. Below is a list of acceptable identity documents, whereby one document must be given from List A and one from List B
23.5 List A: proof of address:
Produce photographic identification… This can be:
If a client is not a resident in the UK, their passport or ID number with its country of issue and expiry date is required.
If a 3rd party visits an MEA office to pay rent on a tenant's behalf, we cannot accept this payment. An administration fee will apply in accordance with the terms and conditions of a tenant's lease for late rental payments. The tenant should have set up a direct debit or obtained MEA bank details in advance.
23.6 List B; Acceptable proof of address
23.7 Probate: If you are acting as a Representative of an Estate, we require the following:
23.8 If you are acting as a Representative of a UK Company, we require the following:
23.9 High Risk Matters & Clients:
We are required to carry out Enhanced Due Diligence in any case where there is a high risk of money laundering. The law says that includes the following:
In consideration of our carbon footprint, copies of all personal data and any documents obtained for identity verification will be stored electronically and will not be used for any other purpose.
Money Laundering Reporting Officer:
Mr Desmond McGranaghan
151 Andersonstown Road, Belfast, BT11 9BW.
E: info@mcgranaghanestateagents.com
For further details, contact MEA (028) 90309030 or go to www.gov.uk
We are committed to protecting your privacy. This Cookie Policy forms part of our legal information and sets out how we use cookies on our websites to help make your visits more effective.
24.1 What are cookies? Cookies are small text files placed on your computer by websites and sometimes by emails. They provide useful information to organisations, helping make your visits to their websites more effective and efficient. We use cookies to understand how you use our websites and to improve them. Cookies do not contain any personal or confidential information about you. You can accept or block any cookies from any website through your browser settings. For further information on how to disable cookies in your browser, please visit the ICO website.
25.1 If you have any concerns about material which appears on our site, please contact us at T: 028 90 30 90 30 or E:info@mcgranaghanestateagents.com. We are members of The Property Redress Scheme. (PRS)