By accessing or using the Broker My Mortgage website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.
1. Website Access
We reserve the right to suspend, withdraw, or restrict access to all or part of our website without notice, whether temporarily or permanently. This may occur due to website revisions, maintenance, or breaches of these Terms and Conditions. We will not be liable if, for any reason, our website is unavailable at any time or for any period.
2. Content Disclaimer
- No Warranties or Representations: The content on our website is provided for general information purposes only. We make no representations, warranties, or guarantees, express or implied, that the content is accurate, complete, reliable, or up to date.
- Not Professional Advice: The information on our website does not constitute professional advice and should not be relied upon for making decisions. You must consult with a qualified mortgage specialist or financial advisor before taking or refraining from any action based on the content of our website.
- Use at Your Own Risk: Your use of the information on our website is entirely at your own risk. We expressly disclaim all liability for any loss or damage, including financial loss, arising out of or in connection with your reliance on the content of our website.
3. Limitation of Liability
- Disclaimer of Warranties: Your use of our website and services is at your sole risk. The website and all content, materials, information, products, and services are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. We expressly disclaim all warranties of any kind, including but not limited to fitness for a particular purpose, non-infringement, and accuracy.
- Exclusion of Liability: To the fullest extent permitted by applicable law, Broker My Mortgage, including its officers, directors, employees, agents, and affiliates, shall not be liable for any loss or damage whatsoever, including but not limited to direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, goodwill, or other intangible losses, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising out of or in connection with:
- Your access to or use of, or inability to access or use, our website or services.
- Any reliance you place on the content of our website.
- Any actions or omissions of mortgage brokers or third parties to whom we may refer you.
- Any transactions or interactions between you and any mortgage broker or third party.
- Any errors, inaccuracies, omissions, or misleading statements in the content of our website.
- Unauthorized access to or alteration of your transmissions or data.
- Any viruses, malware, or other harmful components transmitted to or through our website by any third party.
- Any other matter relating to our website or services.
- No Liability for Third-Party Actions: We are not responsible or liable for any actions, omissions, errors, representations, warranties, breaches, or negligence of any mortgage broker or third party with whom you engage through our services. Any disputes, claims, or issues arising between you and the mortgage broker must be resolved directly with the mortgage broker in question.
- Assumption of Risk: You acknowledge and agree that your use of our website and services, including any referrals to mortgage brokers, is entirely at your own risk. You assume full responsibility for any loss or damage, including financial loss, that may result from your use of our website, services, or any interactions with mortgage brokers or third parties.
- Indemnification: You agree to indemnify, defend, and hold harmless Broker My Mortgage, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising from:
- Your use or misuse of our website or services.
- Your violation of these Terms and Conditions.
- Your violation of any rights of a third party, including mortgage brokers.
- Any transactions or interactions between you and any mortgage broker or third party.
- No Liability for Financial Loss: We expressly disclaim any liability for any financial loss or damage, including but not limited to loss of earnings, loss of contracts, loss of business, loss of anticipated savings, or any other financial loss arising out of or in connection with your use of our website or services.
- Exceptions: Nothing in these Terms and Conditions excludes or limits our liability for:
- Death or personal injury caused by our negligence.
- Fraud or fraudulent misrepresentation.
- Any other liability that cannot be excluded or limited under applicable law.
4. User Responsibilities
- Acceptance of Terms: By using our website and services, you acknowledge and accept that Broker My Mortgage is not responsible or liable for any actions you take or any loss or damage you may incur, including financial loss, as a result of using our website or services.
- Professional Advice: You agree to consult with a qualified mortgage specialist or financial advisor before making any decisions or taking any action based on the information provided on our website.
- Assumption of Risk: You assume full responsibility for any loss or damage, including financial loss, resulting from your use of our website and services.
5. Third-Party Disputes
- Disputes with Mortgage Brokers: Any disputes, claims, or issues arising between you and any mortgage broker we refer you to must be resolved directly with the mortgage broker. We are not liable for any loss or damage, including financial loss, arising from your interactions with the mortgage broker.
- Regulatory Bodies:
- For Regulated Products/Services: If you are unable to resolve a dispute with a mortgage broker, you may refer the matter to the Financial Ombudsman Service (FCA) at https://www.fca.org.uk/consumers/how-complain.
- For Non-Regulated Products/Services: Contact your local Trading Standards office at https://www.tradingstandards.uk/.
- Additional Support: You may also seek guidance from Citizens Advice at https://www.citizensadvice.org.uk/.
6. How We Make Money
We do not charge you any fees for matching you with a suitable mortgage broker. Mortgage brokers pay us a small, flat-rate fee when they accept a new inquiry from a potential client. This arrangement does not affect the impartiality of the service we provide to you.
7. Changes to These Terms
We may revise these Terms and Conditions at any time without notice by updating this page. By continuing to use our website after changes are made, you agree to be bound by the updated Terms and Conditions. Please check this page regularly to take notice of any changes we have made.
8. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales, and any disputes relating to these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.
9. Contact Us
If you have any questions about these Terms and Conditions, please contact us at:
Broker My Mortgage
Email: [email protected]
Important Notice:
By using our website and services, you confirm that you accept these Terms and Conditions and agree to comply with them. You acknowledge and agree that:
- No Liability: Broker My Mortgage is not liable for any loss or damage, including financial loss, loss of profits, revenue, data, or any other loss, whether direct or indirect, arising from your use of our website or services, or any actions you take based on the content provided.
- Consult a Professional: You must consult with a qualified mortgage specialist or financial advisor before making any financial decisions or taking any action based on the information on our website.
- Use at Your Own Risk: Any reliance you place on the information provided on our website is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to our site.
- No Warranty: We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs, and platform to access our website.
Disclaimer:
- No Financial Advice: Broker My Mortgage does not provide financial, legal, or professional advice. The content on our website is for general informational purposes only.
- Third-Party Responsibility: We are not responsible for the actions, omissions, or negligence of any mortgage broker or third party we refer you to.
- Limitation of Liability: The exclusions and limitations of liability set out in these Terms and Conditions apply to the fullest extent permitted by law.
By proceeding to use our website and services, you acknowledge that you have read, understood, and agree to these Terms and Conditions, including the disclaimers and limitations of liability outlined above.
Note: Always ensure that you read and understand the terms and conditions of any service or agreement before proceeding. If you do not agree with any part of these terms, please do not use our website or services.