Terms & Conditions

1. Introduction

Welcome to Mortgage PLC. These Terms and Conditions govern your use of our website and the services we provide. By accessing our website or using our services, you agree to be bound by these Terms and Conditions.

Mortgage PLC is a trading name of Mortgage PLC Limited, registered in England and Wales under company number 12345678. Our registered office is at 123 Finance Street, London, EC1A 1AA.

We are authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 123456. You can verify our registration on the FCA register by visiting the FCA's website at https://register.fca.org.uk or by contacting the FCA on 0800 111 6768.

2. Definitions

In these Terms and Conditions, the following terms shall have the following meanings:

3. Our Services

Mortgage PLC provides mortgage advice and arranges mortgages, insurance products, and other financial services. Our services include:

• Providing advice on mortgage products
• Arranging mortgages with lenders
• Providing advice on insurance products
• Arranging insurance policies
• Providing ongoing support and reviews

3.1 Scope of Service

We offer advice on mortgages and insurance products from a range of providers. Our service includes:

• Assessing your needs and circumstances
• Researching the market to find suitable products
• Providing recommendations based on our research
• Assisting with applications and paperwork
• Providing ongoing support throughout the process

3.2 Limitations

Our service does not include:

• Legal advice
• Tax advice
• Investment advice (unless specifically agreed)
• Guarantees of mortgage or insurance acceptance

4. Client Obligations

To enable us to provide our services effectively, you agree to:

• Provide accurate and complete information about your financial situation, needs, and objectives
• Inform us promptly of any changes to your circumstances
• Provide any documentation we reasonably request in a timely manner
• Read all documents carefully before signing them
• Make payments when due
• Notify us of any errors or concerns promptly

5. Fees & Charges

Our fees and charges are set out in our Initial Disclosure Document which will be provided to you before we begin providing services. Our fees may include:

5.1 Payment Terms

Fees for mortgage arrangement are typically payable when you submit your mortgage application. Other fees will be invoiced as agreed. Payment is due within 14 days of invoice date.

5.2 Cancellation

If you decide not to proceed with a mortgage application after we have provided advice, we may charge a fee for the work completed up to that point. This will be discussed with you before any work begins.

6. Privacy & Data Protection

We are committed to protecting your privacy and personal information. Our Privacy Policy explains how we collect, use, and protect your data.

6.1 Information We Collect

We may collect the following information:

• Personal details (name, address, date of birth)
• Financial information (income, expenditure, assets, liabilities)
• Employment information
• Health information (for insurance purposes)
• Information about your requirements and preferences

6.2 How We Use Your Information

We use your information to:

• Provide advice and recommendations
• Process applications
• Administer your policies
• Meet our regulatory obligations
• Improve our services

For full details of how we handle your personal data, please refer to our Privacy Policy.

7. Liability

We will exercise reasonable care and skill in providing our services. However, our liability to you is limited as follows:

• We are not liable for any indirect or consequential losses
• Our total liability to you shall not exceed the fees you have paid to us
• We are not liable for any losses arising from information you provide that is inaccurate or incomplete
• We are not liable for decisions made by lenders or insurance providers
• We are not liable for market changes or economic conditions

Nothing in these terms limits our liability for death or personal injury caused by our negligence, or for fraud.

8. Complaints

We aim to provide the highest standard of service. If you are not satisfied with our service, please contact us:

We will acknowledge your complaint within 5 business days and provide a final response within 8 weeks.

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS). The FOS can be contacted at:

• Address: Exchange Tower, London E14 9SR
• Phone: 0800 023 4567
• Email: complaint.info@financial-ombudsman.org.uk
• Website: www.financial-ombudsman.org.uk

Referring your complaint to the FOS will not affect your legal rights.