Terms and Conditions

Last Updated: January 2026

1. Introduction

Welcome to MORTGAGESMITHS LIMITED. These Terms and Conditions ("Terms") govern your use of our website mortgagesmithslimited.store and our services. By accessing or using our website, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must not use our website or services. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Company Information

MORTGAGESMITHS LIMITED
Unit 2, Manor Mills, Manor Road
Leeds, England, LS11 9AH
United Kingdom
Company Registration: UK-8472931
VAT Number: GB-284756291

3. Services

MORTGAGESMITHS LIMITED provides mobile app development, UX/UI design, cross-platform solutions, and related technology services. All services are provided subject to these Terms and any specific agreements entered into between you and our company.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We do not guarantee that our services will be available at all times or that they will be error-free.

4. Use of Website

4.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website
• Transmit any viruses, malware, or harmful code
• Interfere with or disrupt the website's operation
• Copy, reproduce, or distribute content without permission
• Use automated systems to access the website without authorization

4.2 Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of MORTGAGESMITHS LIMITED or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without our written permission.

5. Client Agreements

When you engage our services, a separate service agreement will be entered into that will govern the specific terms of that engagement, including scope of work, deliverables, timelines, payment terms, and intellectual property rights. In case of conflict between these Terms and a specific service agreement, the service agreement will prevail.

6. Payment Terms

Payment terms will be specified in individual service agreements. Generally:

• Payment is due according to the schedule outlined in your service agreement
• Late payments may incur interest charges
• We reserve the right to suspend services for non-payment
• All prices are exclusive of VAT unless otherwise stated

7. Project Deliverables

We will deliver the services and deliverables as specified in your service agreement. You are responsible for:

• Providing accurate and timely information
• Reviewing and approving deliverables within agreed timeframes
• Providing feedback in a constructive and timely manner

Delays caused by your failure to provide information or approvals may result in project timeline extensions.

8. Intellectual Property Rights

Unless otherwise agreed in writing:

• We retain ownership of all pre-existing intellectual property
• Upon full payment, you will receive ownership of custom-developed deliverables
• We may use completed projects in our portfolio with your consent
• Third-party components remain subject to their respective licenses

9. Warranties and Disclaimers

We warrant that our services will be performed with reasonable skill and care. However:

• We do not guarantee that services will be error-free or uninterrupted
• We are not responsible for third-party services or platforms
• We disclaim all warranties not expressly stated in these Terms
• Our liability is limited as set forth in the Limitation of Liability section

10. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability for any claim shall not exceed the total fees paid by you for the specific service
• We are not liable for indirect, consequential, or special damages
• We are not liable for loss of profits, data, or business opportunities
• Nothing in these Terms excludes or limits liability for death, personal injury, or fraud

11. Confidentiality

We will maintain confidentiality of your proprietary information and will not disclose it to third parties except as necessary to provide services or as required by law. You agree to keep confidential any proprietary information we share with you.

12. Termination

Either party may terminate a service agreement:

• By mutual written agreement
• If the other party breaches material terms and fails to remedy within 30 days
• Immediately in case of insolvency or bankruptcy

Upon termination, you remain responsible for payment of services rendered up to the termination date.

13. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of our services or deliverables
• Your breach of these Terms
• Your violation of any third-party rights

14. Force Majeure

We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or government actions.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with any service agreements, constitute the entire agreement between you and MORTGAGESMITHS LIMITED regarding the subject matter herein.

18. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

MORTGAGESMITHS LIMITED
Unit 2, Manor Mills, Manor Road
Leeds, England, LS11 9AH
United Kingdom
Email: online@mortgagesmithslimited.store
Phone: +44 7411565286