Terms of Use

1. Introduction

This website (the “Site”) is operated to provide information about our mortgage and protection services. By accessing or using the Site, you agree to be bound by these Terms of Use and our Privacy & Cookie Policy.

If you do not agree with these Terms, please do not use the Site.

We may update these Terms of Use from time to time by posting a revised version on the Site. Your continued use of the Site after any changes are made constitutes your acceptance of the updated Terms.

2. Using the Site

The Site is intended for residents of the United Kingdom. If you choose to access the Site from outside the UK, you do so at your own risk and are responsible for complying with any local laws.

You are responsible for any costs associated with your use of the Site, including any charges relating to internet access.

You must not use the Site:

• for any unlawful, fraudulent, or harmful purpose;
• to transmit spam or unsolicited marketing communications;
• to harass, harm, or infringe the rights of others;
• to copy, scrape, harvest, or otherwise extract data from the Site using automated tools;
• to interfere with, disrupt, or damage the Site or its security in any way.

We may suspend, restrict, or terminate your access to the Site if we reasonably believe you have breached these Terms of Use.

3. Privacy

We process personal data in accordance with our Privacy & Cookie Policy, which explains what personal information we collect, how we use it, and your rights under UK data protection law. Please refer to that policy for full details.

4. Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, and layout, is owned by us or our licensors and is protected by intellectual property laws.

You may access and view the Site for your personal, non-commercial use only. You must not reproduce, distribute, modify, or reuse any content from the Site without our prior written permission.

5. Information You Submit

Any information you submit through the Site (other than personal data, which is handled in accordance with our Privacy & Cookie Policy) may be used by us for any purpose and without restriction.

You are responsible for ensuring that any information you provide is accurate and not misleading.

6. Third-Party Links

The Site may contain links to third-party websites or resources. These are provided for your convenience only.

We do not control, endorse, or take responsibility for the content, policies, or availability of third-party websites. Accessing any third-party website is at your own risk.

7. Accuracy & Availability of Information

We aim to ensure that the information on the Site is accurate and up-to-date; however, we do not guarantee this and the Site may occasionally contain errors or omissions.

The content on the Site is provided for general information only and does not constitute financial, mortgage, or protection advice.

Mortgage and protection advice is only provided once you formally engage our services. We do not guarantee that the Site will always be available or uninterrupted.

8. Our Liability

We are responsible for loss or damage you suffer that is a foreseeable result of our negligence or breach of these Terms of Use.

We are not liable for:

• business or commercial losses;
• losses arising from events outside our reasonable control;
• indirect, incidental, or consequential losses.

Nothing in these Terms limits or excludes our liability for fraud, fraudulent misrepresentation, or personal injury or death caused by our negligence.

9. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising in connection with these Terms or your use of the Site may be brought before the courts of England and Wales.

10. Contact Us

If you have any questions or concerns about these Terms of Use or the Site, please contact us using the details provided on our Contact page.