David’s Mortgage Advisory Terms and Conditions
Introduction
These Terms and Conditions govern your use of the services provided by David’s Mortgage Advisory Ltd, trading as David’s Mortgage Advisory. By using our website or services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using our services.
Services Offered
David’s Mortgage Advisory provides a range of financial services, including but not limited to:
• Mortgage advice and applications.
• Insurance services.
All services are subject to approval and may be modified, suspended, or discontinued at any time without prior notice.
Eligibility
To be eligible for our services, you must meet the following criteria:
• Be at least 18 years of age.
• Meet the required creditworthiness and affordability standards.
• Provide accurate and truthful information during the application process.
We reserve the right to decline any application that does not meet our eligibility criteria or for any other lawful reason.
Applications
All applications must be submitted through our website or via other approved communication channels. As part of the process, you may be required to provide:
• Proof of identity.
• Income documentation (e.g., payslips, tax returns).
• Credit history information.
Failure to provide accurate or complete information may result in your application being declined.
Interest Rates and Fees
The interest rates and fees associated with our services are based on:
• The specific product or service.
• Your financial and credit profile.
All applicable rates and fees will be clearly disclosed in writing prior to your agreement to proceed. By accepting these terms, you acknowledge that you understand and agree to the disclosed rates and fees.
Repayment Terms
Repayment terms vary depending on the service or product provided. Full details of repayment terms will be disclosed before you agree to proceed. You are responsible for:
• Making timely and full payments as per the agreed schedule.
• Notifying us promptly of any issues that may affect your ability to meet repayment obligations.
Failure to meet repayment terms may result in penalties or legal action.
Security
We prioritize the protection of your personal and financial information. We implement robust security measures, including:
• Encryption of sensitive data.
• Firewalls and secure servers.
• Access controls to prevent unauthorized access.
While we take all reasonable steps to protect your data, we cannot guarantee absolute security.
Intellectual Property
All intellectual property rights, including but not limited to trademarks, logos, and website content, are owned by David’s Mortgage Advisory Ltd. You may not use, reproduce, or distribute our intellectual property without our prior written consent.
Limitation of Liability
To the extent permitted by law:
• We are not liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our services.
• We are not responsible for any loss or damage caused by interruptions, delays, or termination of services.
This limitation of liability does not exclude or limit liability for death, personal injury, or fraud caused by our negligence.
Governing Law
These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Changes to Terms and Conditions
We reserve the right to amend these Terms and Conditions at any time without prior notice. Updates will be published on our website. By continuing to use our services, you agree to be bound by the updated Terms and Conditions.
Customer Checks & Referencing
• We may use fraud prevention and credit referencing agencies to verify your identity and assess your application.
• Misleading or false information provided during the application process will be treated as a breach of these Terms and Conditions and may result in the termination of services or legal action.
• For joint applications, all parties are treated as consenting to the application, and communication with one party is deemed communication with all.
Data Protection
We will only process your personal information in accordance with our Privacy Policy. By using our services, you consent to the processing of your data and warrant that all information you provide is accurate.
Cookies
Our website uses cookies to improve user experience and functionality. By using our website, you consent to the use of cookies in accordance with our Cookie Policy.
Contact Information
For questions or concerns about our Terms and Conditions or services, please contact us at:
• Email: enquiries@dmamortgages.co.uk
• Website: https://www.dmamortgages.co.uk
Acknowledgment
By using our website and services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.