Company registered in England & Wales.
Registration number: 05969141.
Registered Office: 16-20 Hockliffe Street, Leighton Buzzard, Bedfordshire LU7 1GN.
Mortgages by Phone is the trading name and trading style of Mortgages By Phone Limited
Conditions
IMPORTANT NOTICE TO ALL USERS: YOU SHOULD READ THESE CONDITIONS CAREFULLY BEFORE VIEWING THIS SITE. THIS SETS OUT THE CONDITIONS WHICH GOVERN YOUR USE OF THIS SITE AND YOUR USE OF ANY MATERIAL THAT MAY BE MADE AVAILABLE THROUGH THIS SITE. YOU MUST NOT USE THIS SITE IN ANY WAY UNLESS YOU AGREE TO THE FOLLOWING CONDITIONS.
Introduction
Welcome to
www.mortgagesbyphone.co.uk (the "Site"). In these Conditions, the expressions "we", “us” and "our" means Mortgages By Phone Limited and its subsidiaries and subsidiary undertakings from time to time (as those expressions are defined in sections 736 and 258 respectively of the Companies Act 1985 (as amended) and its affiliated companies as defined by the Companies Acts). The Site is owned and operated by Mortgages By Phone Limited. These Conditions constitute an agreement between you (the user) and us and set out the conditions upon which you may view the Site and access the information, products, material and services available on the Site. We reserve the right to alter the Site and any of the terms, conditions and provisions of the Site (contained anywhere in the Legal Notice including in the Privacy Policy or elsewhere) at any time. It is your responsibility (as user) to visit the Legal Notice and the
Privacy Policy .
English Law
The Conditions of the Site (including, without limitation, the Privacy Policy) shall be governed by and construed in accordance with the laws of England & Wales and the parties submit to the exclusive jurisdiction of the courts of England & Wales.
Invalidity
If any of these Conditions of the Site shall be unlawful, void or for any purpose unenforceable the particular term, condition or provision shall be deemed severable and shall not affect the validity and enforceability of the remaining terms, conditions or provisions.
Access to Site
Unless otherwise specified the information on the Site is directed solely at those who access the Site from the United Kingdom (of Great Britain and Northern Ireland) and at those who are residents of the United Kingdom (of Great Britain and Northern Ireland).
Content and Information
The information, descriptions and statements on this site offered by us, our agents or content providers are for information purposes only. Information, descriptions and statements contained herein are not intended to be complete information, descriptions or statements of all the features. While we endeavour to ensure that the information, descriptions and statements is accurate and up-to-date we cannot guarantee this. Any reliance on the information, descriptions and statements contained in the Site is at your own risk. We disclaim all warranties (expressed or implied) as to the accuracy or completeness of the information, descriptions and statements (including all materials) contained on or linked to from the Site.
Mortgage Calculator
The Mortgage Calculator on our website is an illustration and is to help you form a basic picture. You should not rely on it solely to make or refrain from making a decision. You should always consult a mortgage adviser or other financial adviser before making a decision about borrowing.
Legal Exclusions and Limitations
While we take every care to ensure that the standard of the Site remains high and to maintain the continuity of the Site, the internet is not a stable medium and errors, omissions, interruptions of service and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate the Site (or any particular part of it) or to provide the services offered on the Site. In addition, we make no representations or warranties about the accuracy, completeness, and freedom from viruses, availability, reliability or suitability for any purpose of the information and related graphics published on the Site (including all texts, advertisements, links or other items) which may contain technical inaccuracies and typographical errors. The Sale of Goods Act(s) and all other legislation from time-to-time that imply terms into contracts is/are expressly excluded from application to the Site and the services supplied in connection with it to the fullest extent permitted by law. We and all content providers and contributors to the Site disclaim and exclude to the fullest extent permitted by law all liability for any loss or damage whatsoever whether arising in tort, contract, equity or otherwise and arising out of or in relation to or in connection with your access to or use of or inability to use the Site. We are not providing any legal, accounting or any other professional advice or opinion on specific facts or matters and (other than in the case of fraudulent misrepresentations and representations expressly made in these terms and in our Privacy Policy) we exclude all representations and offer no warranties. Neither we nor any of our directors, officers, employees or agents will be liable for damages arising out of or in connection with the use of the Site or the information contained in it. This is a comprehensive limitation of liability that applies to all damage of any kind including (without limitation), compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of opportunity, loss of or damage to property and third party claims save that nothing in the terms, conditions and provisions of the Site shall exclude or restrict liability for death or personal injury resulting from our negligence or that of our directors, officers, employees or agents. On the Site you may be offered various links to other sites which we hope you will be interested in and enjoy. We do not accept any responsibility for the content of those sites, the owners of which do not necessarily have any association, commercial or otherwise with us. Nothing contained in the Site shall form a contract or part of a contract other than as expressly provided and other than the terms, conditions and provisions of the Site. Where appropriate your statutory rights are not affected by these Conditions. We expressly do not accept responsibility for the content and information on the linked sites and we do not accept responsibility without derogation from the above for the (if any) views, sound recordings, video or other graphics expressed on the Site or linked sites (where applicable).
Copyright
All design, text, graphics, codes, files, links and the selection or arrangement therefore is copyright owned by or licensed to us or third parties associated in the presentation of the Site. Permission is granted to copy electronically and print in hard-copy portions of the Site solely for the non-business related purpose of using the Site to seek information of the kind shown by the Site. Any other use of materials on the Site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without our prior written permission is strictly prohibited.
Trade Marks
Mortgages By Phone owns its trade marks, branding, devices and get-up. All trade marks, product names and company names or logos cited herein are the property of Mortgages by Phone or its respective third party owners. No permission whatever is given by us in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of these rights.
Force Majeure
We shall not be liable to you for any breach of conditions of use or any failure to provide or delay in us providing our services through our Site resulting from any event or circumstance beyond our reasonable control including (without limitation) strikes, lock-outs and other industrial disputes, break-down of systems or network access, fire, explosion or accident failure of any third party telecommunications or service provider.
Rights of Third Parties
The Contracts (Rights of Third Parties) Act 1999 (hereafter the Act) shall not apply to any agreement between you and us governed by this Legal Notice above or the Privacy Policy below and no rights or benefits expressly or impliedly conferred by any such agreement shall be enforceable under the Act against the parties to it by any other person or entity.