Terms & Conditions
The following terms and conditions apply to all parts and pages under the equityreleasemortgagesuk.co.uk website and, where relevant, to other services provided by us. Additional terms and conditions may also apply to other services provided by us and these are set out below and/or will be explained or made available to you if you require these services.
We may edit/amend these terms and conditions at any time. You should check back on this page regularly to review our latest terms and conditions.
Please read our terms and conditions fully. By using or accessing any part of this website, you are agreeing to our terms of service in full. If you do not accept or disagree to these terms outlined hereafter, please do not continue to use this website.
Information about us
We are Equity Release Mortgages UK. You can contact us by e-mail at firstname.lastname@example.org
The website to which these terms and condition apply and for which we are responsible is equityreleasemortgagesuk.co.uk.
This website has not been approved by the FCA or by any other financial regulatory authority of any state or jurisdiction.
Information on this website
Equity Release Mortgages UK is not regulated by the Financial Conduct Authority and Equity Release Mortgages UK does not provide a regulated service.
The information and tools that Equity Release Mortgages UK provides are generic and should be of general assistance to you in managing your finances. However, Equity Release Mortgages UK cannot recommend specific financial products and always recommends that you seek further information from an independent financial adviser, and/or further information from the providers of specific financial products.
You should not buy, sell or change the terms of a product purely on the basis of any resources on the website. If you need regulated financial advice, consult a professional financial adviser.
Whilst we try to ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. We are under no responsibility to provide you with access to any additional information or to update this website, even if inaccuracies become apparent.
No person, especially those who do not have professional experience in matters relating to investments, may rely on the contents of this website. Retail investors should not enter this website, rely on or act upon its contents. No responsibility is accepted by us or any of our partners for any action taken on the basis of the content of this website (to the extent permitted by applicable laws/regulatory rules). Our liability to you as explained above remains unaffected by this.
Using this website and our intellectual property rights
We retain the right, without any obligation, to modify, update, withdraw or deny access to this website at any time and without notice. If the need arises, we may suspend access to this website or close it down indefinitely.
Unless otherwise stated we own the copyright and any other intellectual property rights in all material on this website and in our publications (or are licensed to use the same). Materials include, but are not limited to, the design, layout, look, appearance, graphics and documents on this website, as well as other content such as articles and other text.
Our liability to you
This website, our publications, telephone, face-to-face and email services are here to help you find specialist equity release advisers to find the best equity release options for you.
Whilst we try to ensure that the information on this website, in associated publications and the advice given by our independent advisers, face-to-face and email sessions is/are current and correct no undertaking, representation, warranty or other assurance, express or implied, is made or given by or on behalf of Equity Release Mortgages UK or any of our partners, employees, agents or advisers or any other person as to the reliability, accuracy or completeness of the information, opinions, advertising, data or other materials contained on this website or the advice given by our advisers and no responsibility or liability is accepted by any of them for any such information, opinions, advertising or data.
We are not liable for any damages (including, for example, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use: the equityreleasemortgagesuk.co.uk website, associated publications, the advice given by our advisers via our website, face-to-face and/or email sessions or any material contained in them, or from any action or decision taken as a result of using this website, associated publications, face-to-face or web-chat sessions. These terms and conditions do not exclude or limit our liability (if any) to you for:
- Personal injury or death resulting from our negligence
- Fraud and fraudulent misrepresentation, or
- Any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.
Availability of this website
Whilst we try to ensure that this website is available 24 hours a day we are not liable if, for any reason, the site is unavailable for any period of time.
We make no warranty that this website is free from defects, viruses or anything else which may be harmful or destructive or that any defects and viruses that do arise will be corrected. We do not guarantee that this website will be compatible with all or any hardware and software that you may use.
We do not control other websites linked to or from this website and we are not responsible for the contents of them, or any changes or updates to such websites. We are not responsible for webcasting or any other form of transmission received from any other websites.
Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website.
If you make a contract with a third party who is named or referred to on this website, it is your responsibility to ensure that the terms of that contract are acceptable to you and to take legal advice if necessary.
We may record calls made to Equity Release Mortgages UK for quality control, evaluation and training purposes. Any information that you provide will be treated in accordance with GDPR (General Data Protection Regulations)– please see the section ‘Personal Information’ below.
Prohibitions on your use of this website
You may not use this website for any purpose that is unlawful or prohibited by these terms and conditions. In particular, but not exclusively you are prohibited from posting or transmitting to or from this website any material:
- That is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience
- For which you have not obtained all necessary licences and/or approvals
- Which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the intellectual property rights of any third party, in any country in the world, or
- Which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
We shall fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of this section.
We regard the privacy of our users as very important and any personal information which is provided to Equity Release Mortgages UK will be dealt with in accordance with our terms and conditions and privacy notice. This includes information you give us when calling us or meeting face-to-face.
Any personal information you provide to us will be treated in accordance with applicable data protection law, including the General Data Protection Regulation (Regulation (EU) 2016/679) (“GDPR”), any implementation of GDPR into UK domestic law and any amendments to applicable data protection law.
We will not try to sell you anything and you will not receive unsolicited telephone calls or mail from us or any third parties as a result of personal data being provided to us unless you have explicitly opted-in to receive additional marketing materials.
Other applicable terms
Any contractual and non-contractual obligations and other matters arising from or connected with these terms and conditions shall be governed by English law and these terms and conditions shall be construed in accordance with English law.
The courts of England and Wales shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these terms and conditions.
Any provision of these website terms and conditions which is, or may be, void or unenforceable shall, to the extent of such invalidity or unenforceability, be deemed severable and shall not affect any other provision of these website terms and conditions.