Terms of Service

1.1. Key Definitions

• "Affiliate" means an entity that controls, is controlled by, or is under common control with the Company.

• "Content" means text, code, graphics, images, audio, video, software, data compilations, and any other form of information capable of being stored in a computer.

• "Consumer" means an individual acting for purposes that are wholly or mainly outside that individual's trade, business, craft, or profession.

• "Intellectual Property Rights" means all patents, rights to inventions, copyright and related rights, trade marks, business names and domain names, rights in get-up, goodwill and the right to sue for passing off, rights in designs, database rights, rights to use, and protect the confidentiality of, confidential information.

1.2. Interpretation

The headings in these Terms are for convenience only and shall not affect their interpretation. Words in the singular include the plural and vice versa. Any words following the terms "including", "include", "in particular", "for example" or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

2.1. Age Restrictions

The Services are intended for users who are at least 18 years old. By using the Services, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services.

2.2. Account Registration

To access certain features of the Services, you may be required to register an account. You agree to provide true, accurate, current, and complete information about yourself as prompted by the Services' registration forms. You acknowledge that if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate your use of the Services.

2.3. Security Responsibilities

You are responsible for maintaining the confidentiality of your password and account details. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

3.1. Ownership

The Services and their entire contents, features, and functionality (including but not limited to all information, software, code, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United Kingdom and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2. Limited License

These Terms permit you to use the Services for your personal, non-commercial use only (unless you have a separate Commercial Agreement with us). You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services.

3.3. Trademarks

The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company.

4.1. Technical Restrictions

Additionally, you agree not to:

• Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services (Scraping).

• Use any device, software, or routine that interferes with the proper working of the Services.

• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services are stored, or any server, computer, or database connected to the Services.

5.1. License Grant

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license, without the right to sublicense, to download and install a copy of the App on a mobile device or computer that you own or control and to run such copy of the App solely for your own personal, non-commercial purposes.

5.2. Apple App Store and Google Play Store Terms

If you downloaded the App from the Apple App Store or Google Play Store (the "App Provider"):

1. Acknowledgement: You acknowledge that these Terms are between you and the Company only, and not with the App Provider. The Company, not the App Provider, is solely responsible for the App and the content thereof.

2. Maintenance: You acknowledge that the App Provider has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

3. Warranty: In the event of any failure of the App to conform to any applicable warranty, you may notify the App Provider, and the App Provider will refund the purchase price for the App to you (if applicable). To the maximum extent permitted by applicable law, the App Provider will have no other warranty obligation whatsoever with respect to the App.

4. Legal Compliance: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

6.1. Informational Purposes Only

The Services may contain calculators, estimates, and tools related to mortgages, loans, taxes, and investments (the "Financial Tools"). The Financial Tools are provided for educational and informational purposes only. The output of these tools is based on estimates and assumptions that may not apply to your specific situation.

6.2. Not a Financial Advisor or Lender

The Company is NOT a lender, mortgage broker, financial advisor, or tax advisor. We do not make credit decisions or underwrite loans. The use of the Financial Tools does not constitute a loan application or an offer to lend.

6.3. No Fiduciary Duty

You agree that no fiduciary relationship or duty exists between you and the Company. You should always consult with qualified professional advisors (such as a qualified accountant, solicitor, or independent financial advisor) before making any financial decisions.

6.4. Accuracy of Data

We do not guarantee the accuracy, reliability, or completeness of any data produced by the Financial Tools. Interest rates, tax laws, and market conditions change frequently. We are not responsible for any errors or omissions, or for the results obtained from the use of this information.

7.1. Orders and Acceptance

All orders are subject to acceptance by us. We may choose not to accept your order for any reason without liability to you. After submitting an order, we will send you an order acknowledgement email. This does not mean that your order has been accepted. Acceptance of your order generally takes place when we dispatch the goods.

7.2. Pricing and Errors

Prices for products are subject to change without notice. While we strive to ensure accuracy, errors may occur. If we discover an error in the price of goods you have ordered, we will inform you as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you, we will treat the order as cancelled.

7.3. International Shipping and Customs

If you order products from our Site for delivery outside the United Kingdom, your order may be subject to import duties and taxes which are applied when the delivery reaches that destination. Please note that we have no control over these charges and we cannot predict their amount. You will be responsible for payment of any such import duties and taxes. You must comply with all applicable laws and regulations of the country for which the products are destined.

7.4. Returns (UK Consumer Rights Act 2015)

If you are a consumer based in the UK/EU, you have a legal right to cancel a Contract under the Consumer Contracts Regulations 2013 during the period set out below:

• You may cancel the Contract at any time within 14 days, beginning on the day after you received the Products.

• To cancel, you must inform us in writing.

• You must return the products to us at your own cost (unless the item is faulty) in their original condition.

8.1. Waiver of Cooling-Off Period

By purchasing digital content (including but not limited to software downloads, in-app purchases, PDF reports, or subscription access) which is available for immediate download or use, you expressly give your consent to the immediate supply of the digital content and acknowledge that you will lose your right of withdrawal (the "cooling-off period") once the supply has begun.

8.2. License to Digital Goods

Upon payment, we grant you a non-exclusive, non-transferable license to use the digital content for your personal use. You may not redistribute, sell, lend, or lease the digital content to any third party.

9.1. Intermediary Status

We may provide a service where we introduce you to third-party providers, such as mortgage lenders, insurance brokers, or real estate agents ("Partners"). In these cases, we act solely as an intermediary/introducer and not as a principal.

9.2. No Endorsement

The inclusion of any Partner on our Services does not imply endorsement or recommendation. We do not guarantee that any Partner will accept your application or offer you specific terms. Any contract you enter into with a Partner is strictly between you and that Partner.

9.3. Commissions

You acknowledge that we may receive a commission or referral fee from Partners when you use their services through our links. This allows us to provide many of our Services to you for free.

14.1. Exclusion of Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

14.2. Cap on Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. IF NO AMOUNTS WERE PAID, OUR LIABILITY SHALL BE LIMITED TO ONE HUNDRED POUNDS STERLING (£100.00).

14.3. UK Law Exception

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by Scottish law.

16.1. Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Scotland.

16.2. Jurisdiction

The courts of Scotland shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these terms. However, we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

16.3. Class Action Waiver

WHERE PERMITTED UNDER APPLICABLE LAW, YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.