1. General
These terms and conditions apply to your use of this website.
By accessing and using this website you undertake that you are aged 18 years or
older and agree to be bound to act in accordance with these Terms of Use and our
Privacy Policy.
We reserve the right to amend these Terms of Use from time to time without notice
by amending this page. The amended Terms of Use will be effective from the date
they are posted on the TrueEquityRelease.co.uk website. As these Terms of Use may
be amended from time to time, you should check them whenever you visit the TrueEquityRelease.co.uk
website. Your continued use of this Website will constitute your acceptance of the
amended Terms of Use.
TrueEquityRelease.co.uk is an online information source for Equity Release. TrueEquityRelease.co.uk
is owned by Click Search Media Ltd and provides a free Equity Release quote search
service. We may change these terms and conditions from time to time and once published,
these alterations will become immediately effective. If you do not agree to these
Terms of Use or our Privacy Policy, you are not permitted to access and use this
website and you should cease such access and/or use immediately. In case you breach
any term of these Terms of Use, your right to access and use of this website shall
cease immediately.
2. Our Service
TrueEquityRelease.co.uk provides an independent online service which enables you
to research and compare Equity Release provided by third parties
whilst using this Website and our comparison service is free for you to use.
Our aim is to provide uninterrupted access to this Website but we give no warranty
as to the uninterrupted availability of this Website and we reserve the right to
suspend, restrict or terminate your access to this website at any time. We reserve
the right to add, amend, delete, edit, remove or modify any information, content,
material or data displayed on this Website and without notice from time to time.
We do not add any fees or commissions to the products or services you compare. Instead,
we will introduce you to other parties who provide products or services. We are
paid by charging those third party product or service providers a fee and/or commission
for introductions made.
Any financial information featured on the website or accessed via a link from the
website is not considered to be financial advice from Click Search Media Ltd or
TrueEquityRelease.co.uk. Click Search Media Ltd is not authorised by the Financial
Conduct Authority (FCA) regarding financial products and should not be regarded
as a financial adviser.
Please be aware that nothing on this Website is, or shall be deemed to constitute,
financial, investment or other advice or a recommendation or endorsement by us in
respect of any product or service referred to on this Website. Information on this
Website is provided for general information purposes only, should not be relied
upon by you and is provided so that you can select the product or service that you
feel is most appropriate to meet your needs. You should always check the suitability,
adequacy and appropriateness of the product or service that is of interest to you
and it is your sole decision whether to obtain or refrain from obtaining any product
or service. If you are in any doubt as to the suitability, adequacy or appropriateness
of any product or service referred to on this Website, we suggest that you seek
independent professional advice before you obtain any product or service via this
Website.
We request you to be aware that nothing on this Website is, or shall be deemed to
constitute, an offer by us or any third party to sell to you any product or service
or to enter into any contract with you in respect of any product or service.
By submitting your details, you are making an offer to obtain the relevant product
or service from the relevant third party on its terms and conditions that may be
accepted or rejected. The contract for the product or service will only be concluded
once your offer has been accepted.
3. Permitted use
You are only permitted to access and use this Website for your personal, non-commercial
purposes, meaning this Website may only be accessed and used directly by a private
individual or by a business to seek a product or service directly for that individual
or business and on their own behalf. Access to and use of this Website other than
for your personal, non-commercial purposes is strictly prohibited.
You are not permitted to use this Website:
- In any unlawful, fraudulent or commercial manner.
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To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another
person, or in a way that invades another person's privacy or is obscene, offensive,
hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or
damaging as determined by us.
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To create, check, confirm, update, modify or amend your own or another person's
databases, records or directories.
- To tamper with, modify, reverse engineer or amend any part of this Website.
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In a way that interferes with, disrupts or imposes an unreasonable or disproportionately
large burden on our communications and technical systems as determined by us.
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Using any automated software, process, program, robot, web crawler, spider, data
mining, trawling or other 'screen scraping' software, process, program or system.
You may operate a link to this Website provided you do so in a way that is fair
and legal and does not damage our reputation or take advantage of it, as determined
by us. You must not operate a link to this Website in such a way as to suggest or
imply any form of association, approval or endorsement by us. We reserve the right
to require you to immediately remove any link to this Website at any time and we
may withdraw any linking permission at any time.
4. Intellectual property rights
The copyright in the information, content, material or data displayed on this Website
belongs to us or our licensors. You may temporarily print, copy, download or store
extracts of information, content, material or data displayed on this Website for
your own personal use, subject to the following conditions:
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It may not be used for any commercial purposes and may not be commercially exploited,
published, distributed, extracted, re-utilized or reproduced without our prior written
consent.
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You may not use any automated software, process, program or system, robot, web crawler,
spider, data mining, trawling or other 'screen scraping' software, process, program
or system.
- It may not be sold or transferred to any third party.
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The copy must retain any copyright or other intellectual property notices contained
in the original material.
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Images displayed on this Website are protected by copyright and may not be reproduced
or appropriated in any manner without the prior written consent of their respective
owner(s).
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No logos, trade marks or service marks displayed on this Website may be printed
or downloaded, except as part of the text of which they form part.
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You must not modify the paper or digital copies of such information, content, material
or data.
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It may not be excerpted, utilized, used, reproduced, published, reformatted and/or
displayed on any other website without our prior written consent.
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The status of us and our licensors as the authors of such information, content,
material or data must be acknowledged.
All intellectual property rights including, without limitation, all copyright, design
rights, patents, inventions, logos, business names, trading names, service marks
and trade marks, internet domain names, moral rights, rights in databases, data,
source codes, software, specifications, know how, processes and business methods
(in all cases whether registered or unregistered and including all rights to apply
for registration) in and relating to this Website (including information, content,
material or data displayed on it) belong to us or our licensors and all such rights
are reserved.
Except as set out elsewhere in these Terms of Use, none of the intellectual property
rights belonging to us or our licensors in and relating to this Website (including
information, content, material or data displayed on it) may be used, copied, modified,
published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse
engineered, made available, reproduced, reformatted or distributed by you without
our prior written consent.
All rights in TrueEquityRelease.co.uk are owned by Click Search Media Ltd or TrueEquityRelease.co.uk.
You shall retain ownership of any views, opinions, reviews, ratings, comments, content
or material you submit, display, distribute, upload, post, share, publish or otherwise
make publicly available on or through this Website (User Content). You grant us
a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license
to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt,
reproduce, utilise, extract, make available and transmit such User Content in any
manner and for any purpose.
Sections 5, 6 and 7 are important and you should read them carefully as they exclude
or limit our liability to you and detail your responsibilities.
5. Limits to our liability
Nothing in these Terms of Use excludes or limits our liability for death or personal
injury caused by our negligence or for our fraud or fraudulent misrepresentation.
Whilst we use reasonable endeavors to ensure that information on this Website is
accurate and up to date and to correct errors as soon as we are able to after becoming
aware of them, we do not check, monitor, review, verify or endorse, and we are not
responsible or liable for any loss or damage you may suffer or incur in connection
with, any information, content, material or data collected from or provided by third
parties which is displayed on or is otherwise available from this Website or any
third party websites. Such information, content, material or data may be inaccurate,
incomplete or out of date. It is your responsibility to check that such information,
content, material or data is accurate, complete, correct and up to date.
Any views, opinions, advice, reviews, ratings or comments on this Website or any
third party websites which are made by third parties (including User Content if
any) do not represent our views, opinions or advice, should not be relied upon by
you and are not checked, monitored, reviewed, verified or endorsed by us. We are
not responsible or liable for any loss or damage you may suffer or incur in connection
with such views, opinions, advice, reviews, ratings or comments including in relation
to their accuracy, truthfulness or completeness.
We do not give any warranty or guarantee that this Website, any third party website
or any information, content, material or data on this Website or any third party
website is free from viruses, spyware, malicious software, trojans, worms, logic
bombs or anything else which may have a contaminating, harmful or destructive effect
on any technology. You must ensure that you use appropriate virus checking software.
We are not responsible or liable for any loss or damage you may suffer or incur
in this regard where caused by any third party.
TrueEquityRelease.co.uk or Click Search Media Ltd is not responsible or liable for:
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1. Any loss or damage you may suffer or incur in connection with your use of this
Website which is caused by any event beyond our reasonable control including the
electronic transmission of information, content, material and data over the internet
and the interception or decryption of it by others.
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2. Any indirect loss or damage you may suffer or incur in connection with your use
of this Website (including any loss of savings you expect to make, loss of business
or business opportunity, or loss of profit or revenue) or for any loss or damage
you may suffer or incur in connection with your use of this website which was not
foreseeable by us when you used this website.
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3. Any loss or damage you may suffer or incur in connection with any inability to
access and use this Website for any reason.
6. Exclusion of our liability in respect of third party advice, assistance, websites
and products or services
You can apply for a number of products and services via this Website. These products
and services are not provided by us but are instead provided by third parties over
whom we do not have control. It is your responsibility to satisfy yourself that
you wish to obtain any product or service before doing so. We are not responsible
or liable for any loss or damage you may suffer or incur in connection with any
product or service you obtain after using this Website or for any acts, omissions,
errors or defaults of any third party in connection with that product or service.
Please be aware that the information and descriptions of products and services on
this Website may not represent the complete descriptions of all the features and
terms and conditions of those products and services. You must ensure that you carefully
read all the features and terms and conditions of any product or service before
applying for it.
If you apply for and obtain any product or service, you will be contracting with
a third party who will be providing that product or service to you on their own
terms and conditions. It is your responsibility to ensure that you understand and
agree with those terms and conditions before entering into a contract to obtain
that product or service. We are not responsible or liable for any loss or damage
you may suffer or incur in connection with the terms and conditions applying to
any contract entered into by you with any third party in relation to any product
or service or for any acts, omissions, errors or defaults of any third party in
connection with those terms and conditions.
We provide links from this Website and from emails sent to you as part of our service
to the websites of third parties. These websites are owned and operated by third
parties over whom we do not have control. You access and use these third party websites
at your sole risk and your sole discretion. You are solely responsible for any use
of these third party websites and for any decision to obtain or refrain from obtaining
any of the products or services available on such third party websites. Any links
to third party websites are provided for your interest and convenience only. We
do not endorse, recommend or accept responsibility for such third parties, their
products or services, their websites or for any information, opinions or views given
or advice provided by such third parties (whether on their websites or otherwise).
We are not responsible or liable for any loss or damage you may suffer or incur
in connection with your use of any third party websites or for any acts, omissions,
errors or defaults of any third party in connection with their website.
Your use of any third party website will be governed by the terms and conditions
of use and privacy policy applicable to that website. Such terms and conditions
of use and privacy policy will be different from these Terms of Use and our Privacy
Policy. It is your responsibility to ensure that you understand and agree with the
terms and conditions of use and privacy policy of any third party website before
using that website. We are not responsible or liable for any loss or damage you
may suffer or incur in connection with the terms and conditions of use or the privacy
policy applying to any third party website or for any acts, omissions, errors or
defaults of any third party in connection with those terms and conditions of use
and/or privacy policy.
Any views, opinions, advice or assistance which is given or provided to you by a
third party after you have used this Website do not represent our views, opinions,
advice or assistance and are not checked, monitored, reviewed, verified or endorsed
by us. We do not endorse, recommend or take responsibility for any third party who
provides you with any views, opinions advice or assistance. You act or refrain from
acting on any third party's views, opinions, advice or assistance at your sole risk
and sole discretion and you are solely responsible for any decision to act or refrain
from acting on such views, opinions, advice or assistance. We are not responsible
or liable for any loss or damage you may suffer or incur in connection with such
views, opinions, advice or assistance including in relation to their accuracy, truthfulness
or completeness or for any acts, omissions, errors or defaults of any third party
in connection with such views, opinions, advice or assistance.
Please be aware that whilst this website provides information on a wide range of
products or services, there may be other products or services available on the market
which are not shown on this website and which may be more appropriate or suitable
for you than those shown on this website.
7. Your responsibilities
You must take all reasonable precautions (including using appropriate virus checking
software) to ensure that any information, content, material or data you provide
(including User Content) is free from viruses, spyware, malicious software, trojans,
worms, logic bombs and anything else which may have a contaminating, harmful or
destructive effect on any part of this website or the websites of third parties
or any other technology.
You may complete a registration process as part of your use of this website which
may include the creation of a username, password and/or other identification information.
Any username, password and/or other identification information must be kept confidential
by you and must not be disclosed to, or shared with, anyone. Where you do disclose
to or share with anyone your username, password and/or other identification information,
you are solely responsible for all activities undertaken on this website using your
username, password and/or other identification information.
You must check and ensure that all information, content, material or data you provide
on this website is correct, complete, accurate and not misleading and that you disclose
all relevant facts. We do not accept any responsibility or liability for any loss
or damage you may suffer or incur if any information, content, material or data
you provide on this Website is not correct, complete and accurate or if it is misleading
or if you fail to disclose all relevant facts.
Before you obtain any product or service from a third party, you must check all
of the information, content, material or data held by the third party about you
to ensure it is correct, complete, accurate and not misleading and that you have
disclosed all relevant facts. It is your responsibility to identify and correct
any mistakes or errors in the information, content, material or data held by the
third party about you before you obtain any product or service. Failure to do so
could invalidate the product or service provided by the third party. We do not accept
any responsibility or liability for any loss or damage you may suffer or incur if
any information, content, material or data held by the third party about you is
not correct, complete and accurate or if it is misleading or if you have failed
to disclose all relevant facts.
You agree that you will be liable to us for any damage, loss, claim, demand, liability
or expense (including reasonable legal fees) that we may suffer or incur arising
out of or in connection with your conduct on this website.
8. Complaints Procedure
Our aim is to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by writing to us at:
customercare@trueequityrelease.co.uk
What we would need to locate your details in our database?
- Your full name.
- Your address with post code.
- We may require further details; a phone number could be really useful.
- Please mention your preferred time to be contacted by us in case required.
We normally request you to give us 3 working days, but we aim to respond much quickly.
First we try to locate your details in our database to ensure that you really used our website. Once we locate your details (in case you have used our service), we identify the broker who was in touch with you regarding your query in the past. After we have had an opportunity to investigate your concerns, we will issue you with a final response.
We aim to resolve all complaints satisfactorily within 4 weeks of receipt, and we will provide you with a full written response within 4 weeks of receipt of your complaint; although where more detailed investigation is required the process may take longer. You will be kept informed of the time scale that will be required for us to investigate your complaint.
Our intended maximum response period for our final written response is 8 weeks from receipt of your original complaint. However, if we have been unable to complete our investigation within 8 weeks of receipt we will provide you with a further update at that time.
Depending on the nature of your complain and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at The Financial Ombudsman Service, Exchange Tower, London, E14 9SR; telephone: 0300 123 9123 or 0800 023 4567; email: complaint.info@financial-ombudsman.org.uk; website: www.financial-ombudsman.org.uk.
We will inform you if this right of referral applies to you.
If you are unhappy with any product you have obtained from a third party or have any complain regarding any third party, you should address your complain directly to that third party. If you require their contact details, please contact our Customer Services Team (customercare@trueequityrelease.co.uk) who will be happy to assist.
9. Privacy
Click Search Media Ltd or TrueEquityRelease.co.uk is registered with the UK Data
Protection Registrar and endeavours to follow all the guidelines and rules set out
in the Data Protection Act 1998.
We are committed to protecting your privacy and we treat your privacy very seriously.
We process information about you in line with our Privacy Policy. By using this
website, you agree to the way in which we process and deal with your personal information.
We may disclose your personal information or access your account if required to
do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading
or any other applicable regulatory, compliance, Governmental or law enforcement
agency.
10. Jurisdiction for use:
This site is intended for use only by those who can access it from within the UK.
11. What we use personal data for:
We collect personal data to enable us to identify you and to deliver personalised
offers and promotions based upon your demographics and product purchase profile,
and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised
profiles and demographics that we may use to improve the content of our communications
to you. In order to collect customer use profiles, we may use cookies to store and
track information about your use of TrueEquityRelease.co.uk. We will use this personalised
information to keep you informed of areas in which you may have an interest. If
you would prefer not to receive communications from us, please tell us by email
to customercare@trueequityrelease.co.uk
12. Access to personal data
Under the Data Protection Act 1998 you have the right to make a request for a copy of the personal information we hold about you. For more Information please go to our Privacy Policy.
13. Governing law
These Terms of Use and your access to and use of this website shall be governed
by and interpreted in accordance with English law.
Each of you and us submits to the exclusive jurisdiction of the courts of England
and Wales in connection with these Terms of Use and your access to and use of this
website (including any claims or disputes).
14. Termination of Agreement
Should any of the terms and conditions stated be breached, Click Search Media Ltd
or TrueEquityRelease.co.uk has the right to terminate the agreement and immediately
remove, cancel or suspend access to and use of the website. All disclaimers, indemnities
and exclusions stated within these terms and conditions shall survive termination
of the agreement between us for any reason.
Click Search Media Ltd or TrueEquityRelease.co.uk is not liable for failure to undertake
any obligation under this agreement if failure results from events out of its control,
including without limitation Internet/telecoms outages, fire, flood, war.
