Legal Information
Terms and Conditions for Derbyshire Homes Loans Website
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of the website (our site). Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
Information about us
This site is operated by Derbyshire Homes Loans Limited (“we” or “us”). Derbyshire Home Loans Limited is authorised and regulated by the Financial Services Authority (Registration Number 302586) for certain activities regulated concerning regulated mortgage contracts, general insurance and pure protection contracts.
Use of this website
The products, services and information provided on this website or in any communication containing a link to this site are for personal use and information purposes only and are not intended for distribution to, or use by, any person or entity in any jurisdiction other than the United Kingdom.
Where any opinions are expressed on this website, they are provided by us for personal use and for information purposes only.
Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom only.
This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to the information on this website. You may be referred on certain site pages to read “Small Print”. This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others to material posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Reliance on information posted
The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice before making any decision.
Changes to our site
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
Whilst we endeavour to ensure that the information on the website is correct, we do not warrant the accuracy and completeness of the material on the website. We may make changes to the material on the website at any time without notice. The material on the website may be out of date, and we make no commitment to update such material.
Cookie Policy
In common with other websites we use "cookies". These are stored on your computer and allow us to record information about how you use our website. We cannot identify you individually from the information obtained from these cookies unless you provide us with personal information about you.
The information we obtain from cookies will be used for business analysis and to assess our users' preferences, improve our website and report on how our website and any links to and from it are used. Where you provide us with personal information through our website we will also use your personal information to:
- update or enhance our customer records, and for account administration;
- help us develop goods or services that may be of interest to you in the future;
- create and maintain a customer profile on you to help with product and service development and, unless you have opted out, to identify and introduce you to products, including those of other organisations, which may be of interest to you, and
- carry out market research, detailed statistical and business analysis.
We may also use cookies so that we can remember personal information that you have previously provided to us through our website e.g. your name or address so that you don't have to give us this information again.
You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of the cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.
Telephone calls and email
Your calls or email may be monitored to prevent or detect crime, for service quality or security purposes.
Privacy policy
We keep particulars of your account confidential and only disclose them where the Financial Services Authority permit. Where financial institutions or others ask for references or similar items containing information about you or your account(s) we only give the information where it appears that you wish us to. We may have to disclose information, for example, under a court order.
The information you provide or which we obtain through this website will be held on our computers. We will use this information to help provide you with information and/or services you have or request.
If you have an account with us we will use the information we hold about you in accordance with the provisions of that account which we made you aware when you opened that account.
Viruses, hacking and other offences
You must not misuse our 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 our site, the service on which site is stored or any server, computer or database connected to our site. You must not attack our 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. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In any event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Linking to our 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, but 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 from any website that is not owned by you.
Our 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.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from or related to, a visit to our site. These terms of use are governed by English law.
Enforceability
In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.
Variations
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.