Terms of Use

Last Updated: January 2026

1. Acceptance of Terms

By accessing and using the website mortgagesmithslimited.store operated by MORTGAGESMITHS LIMITED ("we", "us", or "our"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, you must not use our website.

We reserve the right to modify these Terms of Use at any time. Your continued use of the website after such modifications constitutes acceptance of the updated terms.

2. Website Access

We grant you a limited, non-exclusive, non-transferable right to access and use our website for personal or business purposes in accordance with these Terms of Use. We reserve the right to withdraw or amend our website without notice.

We will not be liable if, for any reason, all or any part of the website is unavailable at any time or for any period.

3. User Conduct

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the website. Specifically, you agree not to:

  • Use the website in any way that violates applicable laws or regulations
  • Transmit any material that is defamatory, offensive, or otherwise objectionable
  • Attempt to gain unauthorized access to any part of the website or its systems
  • Introduce viruses, trojans, worms, or other malicious code
  • Interfere with or disrupt the website's servers or networks
  • Copy, reproduce, republish, or redistribute any content without permission
  • Use automated systems to scrape or collect data from the website
  • Impersonate any person or entity or misrepresent your affiliation

4. Intellectual Property

The website and its original content, features, and functionality are owned by MORTGAGESMITHS LIMITED and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

  • Reproduce, duplicate, or copy any part of the website
  • Modify or create derivative works based on the website content
  • Use our trademarks, logos, or brand names without written permission
  • Remove any copyright or proprietary notices from materials

5. User Content

If you submit any content to our website (such as through contact forms or comments), you grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and distribute such content for any purpose.

You represent and warrant that any content you submit:

  • Is accurate and truthful
  • Does not violate any third-party rights
  • Is not illegal, offensive, or harmful
  • Does not contain confidential or proprietary information

6. Links to Third-Party Websites

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party website.

7. Disclaimer of Warranties

The website is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, including but not limited to:

  • The accuracy, completeness, or reliability of website content
  • That the website will be available, uninterrupted, or error-free
  • That defects will be corrected
  • That the website or servers are free of viruses or harmful components

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the maximum extent permitted by applicable law, MORTGAGESMITHS LIMITED shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

  • Loss of profits, revenue, or data
  • Business interruption
  • Loss of goodwill
  • Cost of substitute services

Our total liability for any claims arising from your use of the website shall not exceed the amount you paid to access the website, if any.

Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

9. Indemnification

You agree to defend, indemnify, and hold harmless MORTGAGESMITHS LIMITED and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in any way connected with:

  • Your use of the website
  • Your violation of these Terms of Use
  • Your violation of any third-party rights
  • Any content you submit to the website

10. Privacy

Your use of the website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

11. Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Upon termination, your right to use the website will cease immediately. All provisions of these Terms of Use that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Any disputes arising from these Terms of Use or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Severability

If any provision of these Terms of Use is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

14. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and MORTGAGESMITHS LIMITED regarding your use of the website.

15. Contact Information

If you have any questions about these Terms of Use, please contact us:

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