Our Terms & Conditions

You must read through these Terms & Conditions and our Privacy Policy.

If you do not accept these Terms & Conditions you will not be permitted to use this Web Site or any of the Services. Please tick the "accept" box relating to these Terms & Conditions and to our Privacy Policy only if you agree to these Terms & Conditions and Privacy Policy and wish to continue.

FSA Compliance
We will pass your information to an independent mortgage adviser dependent on the information that you provide us with. The adviser we introduce you to will pay us for the introduction to you, although the actual payment amount varies, typically it averages £30.

As soon as we have determined the actual adviser who is best suited to your given circumstances we will advise you via email as to who the adviser is with his/her contact details.

The selected adviser will then contact you by telephone.

Third Party Web Sites
We do not control any third party web sites, and are therefore not responsible for and cannot control their content. When you access third party web sites, you do so at your own risk. Your use of each third party web site may be subject to the terms of use and other guidelines, if any, contained within each respective third party web site. A link from this Web Site to a third party web site does not imply that we have endorsed or approved that third party or the content of their web site.

You agree to abide with any terms of use and any other terms and guidelines relating to any third party web site.

Use of this Web Site
This Web Site is for (personal, private and non-commercial) use by UK residents over the age of 18 only.

You may only use the Web Site for legal purposes and are forbidden to use the Web Site to:
access, download, copy, publish, distribute or disseminate any material which is:
(a) violates a law or regulation (such as libel, slander, invasion of privacy, harassment incitement to racial or religious hatred or the infringement or misappropriation of another party's intellectual property rights such as copyrights, trademarks, and trade secrets);

(b) threatens the integrity of any network or computer system (such as transmission of worms, viruses and other malicious codes);

(c) attempts to use the Service in such a manner so as to avoid incurring charges for or otherwise being required to pay for such usage;

(d) otherwise degrades or interferes with other users' use of a Service; or

(e) violates generally accepted standards of internet or other network conduct and usage such as denial of service attacks, web page defacement, port and network scanning and unauthorised system penetration;

send "spam" or other unsolicited bulk e-mail either directly or indirectly; and/or

hack into any part of the Web Site and/or third party web site.

Any information that you give, either to us or to any third parties to whom you are referred or come into contact with as a result of this site, either directly or indirectly; shall not be deceptive, false, misleading, inaccurate or fraudulent.

Terms & Conditions of Advisers and other Third Parties
If you enter any agreement with any adviser or other third party, as a result of any referral by us to such adviser or third party, or as a result of you using any link from this site to any third party web site, you agree to abide by any terms and conditions relating to any such agreement.

No Warranties
Guild of Professional Mortgage Advisers makes no warranties and/or representations about the suitability of the information provided to you as part of the Service, including but not limited to any information published on this Web Site. All such information is provided on an "as is" basis without warranty of any kind. To the extent allowed by law Guild of Professional Mortgage Advisers Limited hereby disclaims all warranties and conditions with regard to this information including all implied warranties and conditions of satisfactory quality, fitness for a particular purpose, title and Intellectual Property Rights non-infringement.

Please note that the information provided to you on the Web Site, could include technical inaccuracies or typographical errors. Changes are periodically added to this information. We may make improvements and/or changes in the Web Site.

Intellectual Property Rights
You agree that Guild of Professional Mortgage Advisers Limited is the owner or authorised user of all copyrights, trade marks, patents, assign rights, database rights or any other similar intellectual property rights any where in the world, whether registered or unregistered and including any applications for registration of any such right ("Intellectual Property Rights") in this Web Site including in its design, text, graphics, know-how, the selection and arrangement thereof, and in all software compilations, underlying source code, software and all other material on the Web Site.

Save for the making of a hard copy print record for personal use, You are not permitted to copy, broadcast, download, store (in any medium), transmit, adapt or change in any way the content of this Web Site for any purpose other than incidentally as part of and to the extent necessary for the use by you of the Services through this Web Site whatsoever.

For the avoidance of doubt, you are also prohibited from copying any material in accordance with clause 7.2 above which infringes third party Intellectual Property Rights and you will be solely responsible or any infringement of third party Intellectual Property Rights that occurs as a result of your use of the Web Site.

Limitation of Liability
We do not hold ourselves out as providing any legal, financial or other advice. We do not make any recommendation or endorsement as to any investment, adviser or other service or product or to any material submitted by third parties or linked to the Web Site. In addition, we do not offer any advice regarding the nature, potential value or suitability of any particular arrangement, loan scheme or investment. You must take separate professional advice from your solicitor, accountant, independent financial adviser or otherwise if you are unsure of the value or effect of any such arrangement, loan, scheme or investment.

We provide our web site and services "as is" and without any warranty or condition, express implied or statutory which are excluded to the fullest extent, permitted by law. We have no control over or responsibility for the quality, safety or legality of any information provided to you by any adviser or other third party directly or indirectly through the Services or the Web Site. We cannot control and do not accept liability for the actions of any adviser with whom you decide to contract as a result of using the Services.

We are not liable to you or to any third party for any indirect or consequential loss or damage, or for any loss of data, profit, contracts, revenue or business caused (whether arising out of the negligence of ourselves or our employees or other agents) even if that loss was foreseeable or the possibility of such loss was brought to our attention.

Without limiting the effect of clause 8.3 our liability under this Agreement (whether arising in negligence or otherwise) will not under any circumstances exceed £1,000 per claim or series of connected claims and an aggregate limit in any twelve month rolling period of £2,000.

We specifically exclude any implied warranties of title, satisfactory quality, fitness for a particular purpose and non-infringement of intellectual property rights.

Nothing in this Agreement limits our liability for death or personal injury resulting from our negligence or the negligence of our employees or our liability for fraudulent misrepresentation.

We make no warranty that our service will be uninterrupted, timely, secure or error free or that defects, if any, in the service will be corrected and exclude all liability for any claims, loss, demands or damages or any kind with respect to the use or the inability to use the service or for the cost of procurement of substitute goods or materials or resulting from any goods, data, information or services purchased or obtained or resulting from unauthorised access to or alteration of user's information or the interruption, suspension or termination of the service whether such interruption, suspension or termination was justified or not, negligent or intentional.

Indemnity
You agree to indemnify and hold us and our subsidiaries, affiliates, officers, directors, agents and employees, harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of your breach of this Agreement or any documents incorporated by reference, or your violation of any law or the rights of a third party.

In the event that you have a dispute with one or more advisers, you release us (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages (actual and consequential) of every kind and nature, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

No Agency
The relationship between ourselves and you is that of independent contractors and no agency, trust, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by this Agreement.

Law
All disputes arising out of or relating to the use of the Web Site will be governed by English law and you agree to submit to the non exclusive jurisdiction of the English Courts.

Your Consent
By using the Service and by ticking the accept box relating to these Terms & Conditions and the Privacy Policy you indicate that you have read, understood and agree to abide by their respective contents. If you do not agree with or to abide by their contents you are not authorised to use our Services and are requested not to use either the Services or the Web Site any further.