Call us today on 01206 731850

Mortgages First
Strover House
Crouch Street
Colchester
Essex
CO3 3ES

Phone 01206 731800
Fax 01206 731810
enquiries@mortgages-first.co.uk


Legal and general Award 2013 Legal and general Award 2014

Call us today on 01206 731850



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Terms & Conditions

These Terms and Conditions apply to the entire contents of this website under the domain name www.mortgages-first.co.uk ("the Website") and to any correspondence between you and us. Please read these terms carefully before accessing the Website. The use of this Website indicates that you accept these terms and acceptance takes effect from the date of first access to the Website. If you do not accept these terms, do not use this Website.

1. Introduction

1.1 the Website and all information and materials available on the Website have been prepared for access and use by persons in the United Kingdom. We do not represent or warrant that the information or materials contained on the Website complies with the regulatory regime of any other country.

1.2 if you are accessing the Website from outside of the United Kingdom, you do so at your own risk and you are solely responsible for compliance with local laws.

1.3 Mortgages First reserves the right to modify, add or change these Terms and Conditions, the Privacy Policy or any other policies at any time and without notice. Any modifications, additions or changes will be effective from the time that they are posted on the Website. Your continued use of the Website will signify your acceptance of the modification, addition or changes

2. Use of the Website

2.1 you are permitted to view, print and download extracts from this Website for your own personal, non-commercial use on the following basis:

2.1.1 documents or related graphics are not modified in anyway;
2.1.2 no graphics are used separately from accompanying text;
2.1.3 material must be reproduced accurately and not used in a misleading context
2.1.4 the copyright and all other intellectual property notices of Mortgages First or any third party notices (where applicable) must appear on all copies.

2.2 for the avoidance of doubt, this permission is subject to the material being reproduced accurately and not used in a misleading context and does not extend to any material on the Website that is identified as being copyright of a third person.

2.3 you shall not copy, sell, lease, rent, licence, sub licence, grant any rights in, transfer, distribute, time-share or otherwise any part of this Website to any third party.

2.4 where content or material on the Website is intended for purposes other than that permitted above, prior written consent must be obtained from Mortgages First.

2.5 where the Website contains third party material, you must obtain authorisation from the relevant third party before reproducing, storing or otherwise copying any of the material.

2.6 in the event that you breach any of these terms and conditions, your permission to use the Website will automatically terminate and any downloaded or printed materials must be destroyed.

3. Intellectual Property Rights

3.1 Unless otherwise stated, the copyright and other intellectual property rights in all materials on the Website (including without limitation, photographs and graphical images) are owned by the Mortgages First or its licensors.

4. Access to the Website

4.1 Mortgages First shall use its best endeavours to ensure that the Website is available 24 hours a day, 7 days a week. However Mortgages First will not be liable if for any reason the Website is unavailable at any time for any period.

4.2 In the event of system failure, maintenance or repair or for reasons beyond the control of Mortgages First access to the Website may be temporarily suspended.

5. Visitor conduct and material

5.1 With the exception of personal data, which is covered under the Privacy Policy, if you transmit or post any information to this Website it will be considered to be non-confidential and non-proprietary. Mortgages First will have no obligations with respect to this information and will be free to copy, disclose, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial and non-commercial purposes.

5.2 The following must not be posted or transmitted to the Website:

5.2.1 material which is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy, or which may cause annoyance or inconvenience;
5.2.2 any material for which you have not obtained all necessary licences and/or approvals;
5.2.3 any material which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
5.2.4 that is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

5.3 you must not misuse the Website and this includes without limitation, by hacking or other means of gaining illegal or unauthorised access to other computers.

5.4 Mortgages First will co-operate fully with any law enforcement authority or court order requesting or directing the Mortgages First to disclose the identity of anyone posting any material in breach of paragraphs 4.2 and 4.3. 5.5 in the event that your use of material contained on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

6. Third Party Access to the Website

6.1 in the event that a third party has accessed the Website without authorisation and altered any of the content of the Website, Mortgages First shall not be liable for any damage or loss resulting from the unauthorised access, alteration or modification to the Website.

7. Maps

7.1 the Website may contain maps created by Mortgages First, permission to use these maps is negotiable and application should first be made to Mortgages First.

8. Disclaimer

8.1 Mortgages First will endeavour to ensure that the information on the Website is correct. Mortgages First does not warrant the accuracy and completeness of the material on the Website. Mortgages First Financial Conduct may make changes to the material on the Website, or to products, services or prices described in it, at any time without notice. The material on the Website may be out of date and Mortgages First makes no commitment to update such material.

8.2 the material on this Website is provided "as is" without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, Mortgages First provides you with this Website on the basis that Mortgages First excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.)

9. Liability

9.1 Mortgages First or, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including, without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort, contract or otherwise) in connection with this Website in any way or in connection with the use, inability to use or the results of use of this Website, any websites linked to this Website or the materials on such websites.

9.2 Mortgages First shall not exclude or limit liability for:

9.2.1 death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977); 9.2.2 fraud;
9.2.3 misrepresentation as to a fundamental matter; or
9.2.4 any liability which cannot be excluded or limited under applicable law.

10. Privacy Policy

10.1 all personal data submitted to the Website by visitors will be processed in accordance with the principles of the Data Protection Act 1998 and in line with our Privacy Policy. Our Privacy Policy does not cover links to other websites and it is your responsibility to check the privacy statements when visiting third party websites.

10.2 the proprietor of the Website is Mortgages First

11. Feedback

11.1 Mortgages First welcomes any feedback and suggestions on what you would like us to publish on the site.

11.2 in the event that you are experiencing any problems with a page on the Website, please fill in the Technical Feedback Form.

11.3 for more information on Mortgages First, contact telephone numbers and email addresses can be found from the contact page on Mortgages First website

12. General

12.1 these Terms and Conditions can only be varied in writing by Mortgages First.

12.2 you may not assign or transfer any of its rights or obligations under these Terms and Conditions. Mortgages First reserves the right to assign, sub-licence or transfer any obligations under these Terms and Conditions to a third party.

12.3 If any provision (or part of a provision) of this agreement is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, the other provisions will remain in force and if any invalid, unenforceable or illegal provision would be valid, enforceable or legal if some part of it were deleted, the provision will apply with whatever modification is necessary to give effect to the intention of the Mortgages First.

12.4 the headings in these terms and conditions are inserted only for convenience and shall not affect its construction.

12.5 reference to any statute or statutory provision includes a reference to the statute or statutory provision as from time to time amended, extended or re-enacted.

12.6 these Terms and Conditions are governed by and construed in accordance with English Law. Any dispute arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the English Courts.

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