This document sets out the Terms (‘Terms’) of modamortgages.co.uk (the ‘Site’). This Site is operated by Chetwood Financial Limited. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy and Privacy Policy.

ModaMortgages is a trading name of Chetwood Financial Limited, company number 09964966 (‘Chetwood’). Chetwood is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. We’re also registered with the Information Commissioner’s Office under registration ZA218401 and we’re a member of CIFAS, the UK’s leading fraud prevention service. Chetwood is registered in England and Wales and our offices are at Ellice Way, Wrexham Technology Park, Wrexham, LL13 7YT.

Definitions

‘Content’ means all pages, screens, information, services and materials included in or accessible through this Site (including any content available on any email or SMS services).

‘You’, ‘your’ and ‘yours’ means you, the person(s) accessing this Site and the party on whose behalf you are doing so.

‘We’, ‘us’ and ‘our’ means Chetwood Financial Limited.

Users of the site

The Site is currently intended for users from within the UK. Because of this we cannot guarantee that the Site or the Content complies with law or regulation, or is appropriate for use, in other places.

The Content provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation.

You are wholly responsible for use of the Site by you, or by any person using your computer, or other device and you must ensure that any such person complies with these Terms.

Products and Services

Products or services on this Site do not constitute an offer or recommendation of any products or services provided by Chetwood, unless, and to the extent they explicitly state that they constitute a legally binding agreement, when executed by you.

Changes to the Site and the Terms

We may change the Content found on our Site at any time without notice. We amend the Terms from time to time without notice. Every time you wish to use the Site, please check the Terms to ensure you understand the terms that apply to use at that time.

Warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the “Act”), or the rules of the FCA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, availability, correctness and completeness of the information contained on the Site, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of, or reliance on, the information contained on the Site to the maximum extent permitted by law.

We don’t represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used in connection with the Site.

Third party sites

Where we provide hypertext links to other locations on the internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We’ve not verified the content of any such websites and we have no control over the contents of those sites or resources. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking.

Intellectual Property

We are the owner or the licensee of all intellectual property rights in and to the Site, and in the Content. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Rules about linking to the Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part, where none exists.

You must not establish a link to the Site in any website that is not owned by you.

The Site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Your queries

If you wish to contact ModaMortgages and you are a customer, please use our Customer Get in Touch page. If you wish to contact ModaMortgages and you are an intermediary, please email enquiries@modamortgages.co.uk.