1ST REMORTGAGE WEBSITE USER AGREEMENT AND TERMS OF USE:
Use of the 1st Remortgage ("we", "us", "1st-remortgage.co.uk") website ("the site")
constitutes acceptance of the 1st Remortgage Website User Agreement
("the agreement") and Terms of Use ("terms"). The user of the site ("you")
represent that you have read and understood these terms and agree to
be bound by them. If you do not agree to all the terms and conditions
on this page, please do not use this website. Use of any internal or
external links on the 1st Remortgage website constitutes acceptance
of the terms on this page. If you do not agree with these terms, please
exit this site by closing the browser window.
The terms "1st Remortgage", "1st-remortgage.co.uk" encompass the 1st Remortgage Internet Site and Marketing Communications.
In order to use
this site you must agree to be legally bound and to abide by the terms
and to indemnify and hold the operators of the 1st Remortgage website
harmless from all alleged or actual damages, claims and expenses relating
to any warrant, guarantee or representations made by the individual
service providers featured within this website or linked websites. This
also includes, without limitation, attorney's fees. The use of this
site for any reason is deemed to be an agreement of this condition.
TRANSPARENCY
This independently
owned website acts as an advertising and marketing vehicle to
attract passive enquires (from people that are proactively searching for a mortgage using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial sevices providers. As such, the
owners, webmasters and marketing professionals of this website are unable
to offer financial advice. Any information contained on the website
does not form the basis of any contract. Business or financial decisions
should not be based solely on the information contained within this
website.
1st Remortgage UK is not a lender or broker. We do not sell or recommend mortgages or broker services. 1st Remortgage is not responsible or liable for any financial service or mortgage obtained through a 3rd party. A mortgage enquiry from this website does not constitute an offer to provide a mortgage. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 1%. Early repayment charges will apply. They will vary depending on the mortgage you choose. The overall cost for comparison is 7% APR. The actual rate available will depend upon your circumstances. Ask for a illustration. APR variable and based on a usual case. This website has been approved by the FSA through Bridge and Company Compliance (FSA authorisation number 300056).
DISCLAIMERS
Bearing in mind
that this is a free "public access" site, it is a condition of use of
the site and the materials in it that use is at the user's own risk.
We give no representation or warranty as to the accuracy of the content
of the site and assume no responsibility for errors or omissions in
it or the effect it has upon your computer. We disclaim all liability
in respect of such information and its provision. Neither 1st Remortgage nor any of the site's administrators, editors or contributors
shall be liable for any loss or damages suffered as a result of any
use of the site, including but not limited to direct loss, consequential
loss and loss of profits. We do not assume, and therefore disclaim,
any liability for any loss or damage caused by errors or omissions.
1st Remortgage
is provided on an "as is" and "as available" basis. We shall not be
liable for any direct, indirect, incidental, special, or consequential
damages. This includes, without limitation and even if we are advised
of the possibility thereof, any damages for loss of goodwill or any
and all other commercial damages or losses including loss of profit,
that result from the use of, or inability to use 1st Remortgage. The
user agrees not to rely on any information obtained from the 1st Remortgage website and indemnifies us from mistakes, omissions, errors,
interruptions, delays of service or performance, defects, harmful components,
viruses and bugs, howsoever caused. It is the user's duty to execute
anti-contamination or virus software and ensure that any information,
if contaminated or infected, will not damage the user's information
or system. The entire risk as to the use of the 1st Remortgage website
is with the user. 1st Remortgage or its agents are not responsible
or liable for telephone, network, ISP, electronic, computer or other
communication problems or failures of any kind. Personal information
sent to 1st Remortgage is at the senders own risk.
INDEMNITY
In order to use
this site you must agree to be legally bound and to abide by the terms
and to indemnify and hold the 1st Remortgage website harmless from
all alleged or actual damages, claims and expenses relating to any warrant,
guarantee or representations made by the individual merchants or linked
sites. This also includes, without limitation, attorney's fees. The
use of this site for any reason is deemed to be an agreement of this
condition.
AVAILABILITY
OF SERVICE
We do not warrant
or guarantee that the 1st Remortgage website will be uninterrupted
or error-free.
LINKS AND
SITE CONTENT
We do not make any
warrant or guarantee, either expressed or implied as to the accuracy,
validity, completeness, suitability, reliability, or currency of any
information content within its site or sites to which it is linked to.
Links to other websites are provided solely as a resource guide and
do not represent an endorsement or guarantee, either expressed or implied.
The 1st Remortgage website does not assume any liability for any of
the products, services, or data of any other sites. The 1st Remortgage website is a facilitator of links to the content of other sites
and as such has no editorial control over the content of such linked
sites in the same manner that a public library has no control over the
content of the books that it distributes. It is the responsibility of
the user to evaluate the information, opinion, advice, or other content
contained within the site. We cannot be held responsible or liable for
any loss or damage due to reliance on information obtained through the
1st Remortgage website.
INFORMATION
INDEMNITY
The user agrees
not to rely on any information obtained from the 1st Remortgage website
and indemnifies us from mistakes, omissions, errors, interruptions,
delays of service or performance, defects, harmful components, viruses
and bugs, howsoever caused.
SEVERANCE
If a term, covenant,
provision, or condition of this agreement becomes, or shall be held
by any court of competent jurisdiction to be against public policy or
illegal, all remaining provisions of this agreement shall remain in
full force and effect and unaffected, impaired or invalidated by this
decision. The invalidated item shall be modified by the parties to the
full extent possible to carry out all the intentions and directives
stated in this agreement.
GOVERNING
LAW
Any such contract
will be interpreted, construed and enforced in all respects in accordance
with the laws of England, and you and 1st Remortgage irrevocably submit
to the non-exclusive jurisdiction of the English Courts.
This agreement is
governed by English law and all disputes will be handled solely in the
United Kingdom. English Courts will have jurisdiction in respect of
it. You consent to such venue and jurisdiction. The 1st Remortgage
website is controlled and operated from offices in the United Kingdom
and makes no representations or warranties that its content or use is
legal in other locations.
HEADINGS
Headings are for
reading convenience only and are not to be used in the interpretation
of this agreement.
VARIATION
Whilst it is not
our intention to do so, the operators of the 1st Remortgage Website
reserves the right to change its policies and terms at any time. Any
such changes will be posted on this page.
We do not assume,
and therefore disclaim, any liability for any loss or damage caused
by errors or omissions.
1st Remortgage
is not associated with other companies who own similar sounding names.
If you do not agree to all the terms and conditions on this page, please
do not use this website. Use of any internal or external links on the
1st Remortgage website constitutes acceptance of the terms on this
page.
If you do not agree
with these terms, please exit this site by closing the browser window.
DATA PROTECTION
ACT 1998
I/we confirm that
I/we have the consent of any third party whose details I/we may disclose
to 1st Remortgage ("You") to disclose such details and to authorise
You and the third parties referred to in the paragraph below to process
such details for the purposes of assessing my/our application and administering
and enforcing any subsequent loan which may be granted to me/us.
I/we agree that
You and any advisor resulting from this application (the "advisor") shall
be entitled to use and process, by any medium, the information given
by me/us in this application form and any other information about me/us
which may be acquired during the lifetime of any loan ("the Data") for
the following purposes:-
i. to provide
the Data to and search the files of one or more credit reference or
fraud prevention agencies whether before, or during the lifetime of
any loan granted to me/us by the advisor, who will keep a record of
such search, to confirm the Data, and for the purposes of credit assessment
or account administration. I/we understand that You and /or the advisor
will record false or inaccurate information if this is given by me/us
and fraud is suspected.
ii. To disclose
the Data to credit reference agencies when requested by them for consideration
of any future applications for finance made by me or members of my
household/family, or for fraud prevention and/or tracing debtors (the
agencies may also disclose the Data to other advisors for these purposes)
iii. to disclose
the Data to any other company within the advisor's group of companies
and/or to any third parties (for example, debt counsellors and insurers)
at any time for the purposes of assessing my/our application and administering
and enforcing any subsequent loan whether during the course of my/our
application or during the lifetime of any loan granted pursuant to
such application;
iv. to disclose
the Data to any third party who replaces or who may replace my/our
advisor.
We are registered under the Data Protection act 1998. Our registration number is PZ8733414.
Registered address:
22 Willow Green
Ingatestone
Essex CM4 0DQ
Tel: 01277 352983
PREVENTION OF MONEY LAUNDERING
The advisor and other
organisations may use and search the records of credit reference or
fraud prevention agencies to check your identity to prevent money laundering,
unless you have furnished other satisfactory proof of identity.
RIGHT OF SUBJECT ACCESS
Information held
by us will be processed only for purposes for which we have registered
under the Data Protection Act. Upon you making a request in writing
we will provide you with a copy of the information which we hold concerning
you on payment of a fee.
PERSONAL DETAILS AND DATA PRIVACY
The personal details
which you submit to us (Personal Data) are held by 1st Remortgage
for its own use. It is your responsibility to ensure that your Personal
Data is accurate and up to date and to inform us of any changes that
need to be made. 1st Remortgage may use the Personal Data for the
purposes they have notified to the Office of Information. By submitting
your Personal Data you CONSENT to it being processed by 1st Remortgage.
