1. Definitions
In these terms and conditions, ‘we’, ‘us’ and ‘our’ mean opengatemortgages.com which are trading names of Opengate Mortgage Solutions Ltd (company number 5736845) whose registered address is JMH House 481 Green Lanes,Palmers Green, London N13 4BS

'Factfind' meaning the information You supply to ‘Us’

'Adviser' means a mortgage or financial adviser

'Opengatemortgages Logo' means the company logo of Opengate Mortgage Solutions Ltd

2. Access to the website
By using or accessing our web-site you agree to be legally bound by the following terms and conditions. If you do not agree these terms you must not use the Website.

We reserve the right at any time without notice to revise the content of the Website and/or these terms by posting any changes on the Website. The revised terms will be effective immediately they are posted and by continuing to use the Website you will signify that you agree to be bound by the revised terms.

3. Details Held
Our site contains details of Mortgage Brokers & Financial Advisers within the United Kingdom only. To verify the status of any of our Brokers you may refer to the FSA register.

4. Links
Certain links, including hypertext links, in the Website will take you outside the Website. Links are provided for your convenience and inclusion of any link does not imply endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any linked website and accept no responsibility for any errors, omissions or misleading statements on any such linked site.

5. Advertising / Sponsorship
The Website may contain advertising: such advertisers are solely responsible for ensuring that their material is accurate and up to date and complies with all applicable laws, regulations and codes of practice. Please see these individual sites for their privacy statements.

6. Acceptable use
You agree to abide by all applicable laws, regulations and codes of conduct in force or as amended from time to time.

All material on the Website and all material sent to you via e-mail or otherwise belongs to us.

You may retrieve and display contents from the Website on a computer screen, by printing pages or storing them electronically for your personal use or internal business purposes only. We or our Partners retain ownership of all copyright and all other intellectual property rights related to the Website its content and the copying of any matter for commercial purposes is strictly forbidden.

7. Using Your Information
You agree that we may collect, store, and use information about you in accordance with our Privacy Policy. You acknowledge and agree to be bound by the terms of our Privacy Policy as amended from time to time.

By completing our ‘Factfind' or 'Asking a question' & submitting it to a ‘Broker' on the Website You agree to Our Privacy Policy and authorise that Broker to contact You by phone, email or post or your preferred contact method.

You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.

We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy. We may disclose your details or access your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading or any other applicable regulator, compliance monitor, governmental or law enforcement agency.

8. Exclusions
We provide this site on an 'as is' basis and give no representations or warranties of any kind with respect to this site or its contents or that its operation will be virus free or uninterrupted. In particular, we give no representation or warranties about the accuracy, completeness, or suitability for any purpose of the information published on this site. The information contained in any brochures or fact sheets available on this site is intended for general information purposes only and sets out our understanding of any applicable English Law and Inland Revenue practice at the time of first publication. It is not intended to constitute advice or guidance which you may rely on and is not a substitute for professional mortgage/financial or tax advice based on your personal circumstances. All users are advised to seek independent professional advice before acting on anything contained in the Website, brochures, factsheets or otherwise. The information may be incorrect or out of date and may not constitute a complete or definitive statement of the law or any tax issues.

Neither We nor any of our directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of the Website or reliance on any information available on it or any third party site linked to it. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations in the clause are intended to limit any statutory rights You may have as a consumer or other statutory rights which may not be excluded nor in any way to exclude or limit our liability to You for death or personal injury resulting from our negligence or that of our employees or agents.

The Financial Services Authority is the principle regulatory body for Financial Services in the UK. They can be contacted at

The Financial Services Authority
25 The North Colonnade
Canary Wharf
London
E14 5HS

Tel: 020 7066 1000
Or by visiting their website http://www.fsa.gov.uk/Pages/Doing/Contact/

Nothing within the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the Website is for general information purposes only.

We use reasonable endeavours to ensure that the data on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology. Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissibleby law.

9. Intellectual Property
The copyright and all other intellectual property rights in the material contained in the Website, together with the Website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belong to Us .All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

10. Access / Monitoring
We reserve the right in our sole discretion to deny access to the Website or any part of it without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use

You agree not to interrupt or attempt to interrupt the operation of the Website in any way

We will endeavour to allow uninterrupted access to the Website, but access may be suspended, restricted or terminated at any time.

We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.

We assume no responsibility for the content or services of any other websites to or from which the Website has links.

11. Complaints
Our aim is at all times to provide You with an excellent service. However, if You are unhappy with Our service for any reason, please contact us at Opengate Morgtage Solutions Ltd. JMH House 481 Green Lanes, Palmers Green, London, N13 4BS
by telephone on 020 8886 4999 or by email at info@opengatemortgages.com

We will acknowledge receipt of your complaint, in writing, within 5 business days and We will inform You of the name or job title of the individual handling the complaint (together with details of Our internal complaint handling procedures). We may combine the acknowledgement of the complaint with Our final response, but in any event We aim to resolve complaints at the earliest opportunity

12. Your telephone calls
Any Telephone calls that You make to Our customer service help line may be monitored or recorded. This will help Us to train Our staff and improve Our service to You. A recording will only be used under proper and careful supervision. Our customer service help line is available Monday to Friday 9.00am to 5.30pm GMT. All calls will be charged at national rate.

13. Payment
Should You arrange an appointment with a ‘Broker' they are responsible for providing You with information on what You will have to pay for their services. They may receive payment from the recommended service provider and/ or charge a fee. This is known as "fee and commission basis" or "fee only basis".

Payment for other products and services linked from the Website will be made on the relevant provider's website.

14. General
The content of this Website is intended solely for those who access the site from the United Kingdom. We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom.

If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.

If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion.

We may modify these terms and conditions at any time. Your continued use of the Website signifies Your acceptance of such modifications.

You may not assign or transfer any of Your rights under these terms and conditions without our prior written consent.

Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

15. Law
These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.

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