Terms & Conditions
Last updated: 25 May 2018
Please read these Terms and Conditions of Use carefully before using this site.
In addition to the foregoing documents, if you choose to engage us to provide any mortgage or protection services, other than simply browsing this Site, separate contract terms will apply (Mortgage and Protection Terms) which will be communicated to you at the time.
This version of these terms and conditions was last updated on 25 May 2018. Whilst any material changes to these terms and conditions will be communicated to you, please take time to review these terms and conditions periodically and check the version date for changes as you use the Site, as they will be binding upon you without further notice.
Who we are
The Site is operated by us, PropertyPal Mortgages Limited, a limited company registered in Northern Ireland whose company number is NI632933 and registered address is Unit 2D Jennymount Business Park, North Derby Street, Belfast, BT15 3HN (PropertyPal Mortgages, we, us or our).
We are an Appointed Representative of PRIMIS Mortgage Network (the Primis Network). PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products under reference number 435779.
The Services include the Site. The Services may also be located on third party websites and/or applications either as a link from an add-on service to, or otherwise in connection with, websites and/or applications that such third parties control.
Nothing contained in any of the Services is an offer or promise to avail of any financial services product at any specific price or that any lender or protection services provider will sell any product or service for any purpose or price or on any specific terms. PropertyPal Mortgages does not guarantee the price, terms, product, availability and/or services offered by any advertiser or any other third party.
PropertyPal Mortgages does not own, has not created and is not responsible for, the content provided by any third parties and made available on our Site. PropertyPal Mortgages provides a financial services information aggregator service, based on information provided by third parties, and makes no warranty that such information is accurate, up to date or complete. Content is not specifically confirmed with lenders or other providers prior to being made available on the Site.
The information presented on the Site may be protected by the intellectual property rights owned by third parties (or other persons/companies on their behalf). None of the information should be modified, rented, leased, loaned, sold, distributed or used to create derivative works without our agreement and that of the relevant third parties.
For all of the Services, PropertyPal Mortgages is not involved in any transactions between you and any third party, and is not responsible for, and does not guarantee the price or performance of, any products, services or information provided by third parties.
We are not responsible or liable for any products provided by third parties, and we have not vetted and do not specifically recommend or endorse any such organisation.
If you have a dispute with one or more third parties, you release PropertyPal Mortgages from any claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.
The Site is made available free of charge, and without any guarantee of availability. Access to the Site is permitted on a temporary basis. PropertyPal Mortgages may suspend, withdraw, discontinue or change all or any part of the Site without notice. PropertyPal Mortgages will not be liable to you if for any reason the Site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to the Site.
The material on or available through this Site is provided for general information only. Although PropertyPal Mortgages makes reasonable efforts to update the information on the Site, no representations, warranties or guarantees, whether express or implied, are made that the material on the site is accurate, complete or up-to-date.
Any information provided does not constitute any form of advice, recommendation, representation, endorsement or arrangement and is not intended to be relied upon by you in making (or refraining from making) any specific financial or other decisions, or as a recommendation to purchase any particular product.
Before you apply for any mortgage or protection product it is important you: (i) carefully read the terms and conditions of the product, the product provider's terms and conditions and any other terms applicable to the product; (ii) check all the information held by the product provider about you to ensure it is correct, complete and accurate.
For specific advice on legal, financial or real estate matters, you should always seek the advice of a professional who is licensed and knowledgeable in that area, such as a lawyer, accountant or real estate agent or broker.
Modification of PropertyPal Mortgages Services
PropertyPal Mortgages reserves the right to modify or discontinue any of the Services or portion or attribute thereof, or the offering of any information, good, Content, Materials, product or service with or without notice. PropertyPal Mortgages shall not be liable to you or any third party should PropertyPal Mortgages exercise this right at any time.
You must not misuse this Site. In particular, you must not hack, circumvent security or otherwise disrupt the operation of PropertyPal Mortgages' system and/or the Site nor attempt to carry out any of the above prohibited actions.
Users are solely responsible for any content and other material that they submit to the Site (Content). You agree that by posting Content on the Site, you are granting PropertyPal Mortgages a royalty-free, perpetual, sub-licensable, worldwide, irrevocable license to use this information in the course of offering the Services.
You will at all times agree to not purposely provide false or misleading information on or in relation to the Service.
You understand that PropertyPal Mortgages does not endorse or warrant any particular content or information available via the Site.
Additionally, PropertyPal Mortgages does not guarantee the authenticity of any data which users may provide about themselves or their financial affairs, and you are responsible for the accuracy and completeness of same.
No guarantee is given that the Site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access the Site. You should use your own virus protection software.
You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. PropertyPal Mortgages will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.
Copyright and License
All copyrighted and copyrightable materials on this Site, including, without limitation, the design, text, search results, graphics, images, pictures, sound files and other files, and the selection and arrangement and compilation of information (Materials) thereof are ALL RIGHTS RESERVED Copyright © of PropertyPal Mortgages Limited and/or its licensors.
You are granted a limited, revocable non-sublicensable right to access this Site, use the Services and print the Materials for your personal, non-commercial, and informational use only.
PropertyPal Mortgages reserves the right, without notice and in its sole discretion, to terminate your license to use the Site, and to block or prevent future access to and use of the Site.
The foregoing license grant does NOT include the right for you to:
publish, publicly perform or display, or distribute to any Materials or Content, including reproduction on any computer network or broadcast or publications media;
market, sell or make commercial use of the Site, Content or any Materials;
systematically collect and use of any data or Content including, without limitation, by the use of any data spiders, robots, or similar data gathering, mining or extraction methods;
make derivative uses of the Site, Content or the Materials; or
use, frame or utilize framing techniques to enclose any portion of the Site (including the images found at this Site or any text or the layout/design of any page or form contained on a page).
Trade Marks and Service Marks
"PropertyPal Mortgages" and its logos are either service marks or registered or unregistered trade marks of PropertyPal Mortgages or its suppliers and licensors, and may not be copied, imitated or used, in whole or in part, without PropertyPal Mortgages' prior written permission, or that of its suppliers or licensors.
You may not use any meta tags or any other "hidden text" utilizing "PropertyPal Mortgages" or any other name, trade mark, or product name of PropertyPal Mortgages without prior written permission. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trade marks, and/or trade dress of PropertyPal Mortgages, and may not be copied, imitated, or used, in whole or in part, without PropertyPal Mortgages' prior written permission.
All other trade marks, registered or unregistered trade marks, product names and PropertyPal Mortgages' names or logos appearing on the Site are the property of their respective owners. Reference to any products, services, processes, or other information, by trade name, trade mark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by PropertyPal Mortgages.
Data Protection Act
If you believe that your work has been copied and has been posted to this Site in a way that constitutes copyright infringement, please provide PropertyPal Mortgages' copyright agent the following written information:
- an electronic or physical signature of the person authorised to act on behalf of the owner of the copyright interest;
- a description of the copyrighted work that you claim has been infringed upon;
- a description of where the material that you claim is infringing is located on the Site;
- your address, telephone number, and e-mail address;
- a statement by you that you have a good-faith belief that the disputed use is not authorised by the copyright owner, its agent, or the law;
- a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorised to act on the copyright owner's behalf.
Before sending a notice to PropertyPal Mortgages, you should confirm that you are the copyright owner or have rights to the copyright.
Postal contact information for PropertyPal Mortgages' copyright agent for notice of claims of copyright infringement is provided below:
Attn: Copyright Agent
PropertyPal Mortgages Ltd.
Unit 2D, Jennymount Business Park
North Derby Street
THIS SITE, THE CONTENT, THE MATERIALS, AND THE SERVICES ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
YOU EXPRESSLY AGREE THAT USE OF THIS SITE, INCLUDING ALL CONTENT OR DATA DISTRIBUTED BY, DOWNLOADED OR ACCESSED FROM OR THROUGH THIS SITE, IS AT YOUR SOLE RISK.
PROPERTYPAL MORTGAGES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT AS TO THE INFORMATION, MATERIALS, AND CONTENT ON THE SITE.
PROPERTYPAL MORTGAGES DOES NOT REPRESENT OR WARRANT THAT ANY INFORMATION, MATERIALS OR CONTENT ON THIS SITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. PROPERTYPAL MORTGAGES IS NOT RESPONSIBLE FOR TYPOGRAPHICAL ERRORS OR OMISSIONS RELATING TO PRICING, TEXT OR PHOTOGRAPHY.
INFORMATION ON THIS SITE DOES NOT TAKE YOUR SPECIFIC NEEDS, FINANCIAL OBJECTIVES OR SITUATION INTO ACCOUNT, AND ANY OF THE PRODUCTS MENTIONED OR LISTED MAY NOT BE SUITABLE FOR YOU. ANY RELIANCE THAT YOU MAKE, OR ACTIONS THAT YOU TAKE, UPON IT IS AT YOUR SOLE RISK.
Limitation of Liability
PropertyPal Mortgages is not responsible in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with any error, omission, deletion, interruption, defect, corruption, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of any content on the Site.
PropertyPal Mortgages is not responsible for any problems or technical malfunction of any computer online systems, telephone lines or networks, computer equipment, servers or providers, software, failure of any email or players due to technical problems or internet traffic or the Site, including any injury or damage to any person's computer resulting from or related to participation or downloading materials in connection with the Site. PropertyPal Mortgages shall not be responsible for any loss or damage resulting from use of the Site.
If you are a consumer user, please note that PropertyPal Mortgages only provides the Site for domestic and private use. You agree not to use the Site for any commercial or business purposes, and that PropertyPal Mortgages has no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
IN NO EVENT SHALL PROPERTYPAL MORTGAGES, ITS OFFICERS, DIRECTORS, AGENTS, AFFILIATES, EMPLOYEES, ADVERTISERS, OR DATA PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA) WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), EQUITY OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE, THE MATERIALS OR SERVICES.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Links to Other sites
The Services contain links to third-party websites. These third-party websites are not under the control of PropertyPal Mortgages.
PropertyPal Mortgages is providing these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement, or adoption by PropertyPal Mortgages of the website or any information contained therein.
PropertyPal Mortgages is not responsible or liable for the contents of any linked site. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any of these third parties.
When leaving this Site, you should be aware that PropertyPal Mortgages' terms and policies no longer govern, and, therefore, you should review the applicable terms and policies, including privacy and data gathering practices, of that website.
Disclaimer of Responsibility for Third Party Content
PropertyPal Mortgages is not a publisher of Content supplied by third parties and users of the Site.
Accordingly, PropertyPal Mortgages has no more editorial control over such content than does a public library or book shop.
Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers and users, are those of the respective author(s) or distributor(s) and not PropertyPal Mortgages.
In many instances, the content available through this Site represents the opinions and judgments of the respective information providers or users.
PropertyPal Mortgages does not endorse, and is not responsible for the accuracy or reliability of any opinion, advice or statement made on the site by any third party, even if hosted by PropertyPal Mortgages, including advisory content or mortgage product information (although any information provided will be sourced from authorised and regulated members of the PRIMIS Network.
Choice of Law, Waiver, and Claims
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how PropertyPal Mortgages has handled any complaint, you may want to contact the alternative dispute resolution provider PropertyPal Mortgages uses. If you wish to register a complaint, please contact us:
- in writing: Complaints Department, First Complete Limited, Newcastle House, Albany Court, Newcastle Business Park, Newcastle upon Tyne NE4 7YB
- by phone: Telephone: 0191 233 4685
- by email: firstname.lastname@example.org