TheHomeLoanShop.co.uk ("the website") is an online tool for receiving and processing secured loan quote applications and is operated by Lexis Information Systems Ltd (Company Number 5451946, Registered Address: Curzon House, 1st Floor, 24 High Street, Banstead, Surrey, SM7 2LJ). Where 'we' or 'our' or 'us' is used in these Terms and Conditions, this refers to Lexis Information Systems Ltd.
By using this website and the services available through it you agree to abide by these terms and conditions of use. Your use of the site acknowledges to us that you agree to all the terms and conditions below before you use the site.
The web site is for use by UK residents aged 18 years and over.
The content of this web site is for information purposes only, and all figures quoted do not constitute an offer.
Lexis Information Systems Ltd may make alterations to these terms and conditions from time to time without prior notice and these variations shall become effective immediately upon being published here.
We recommend that the next time you visit the site you view this page to check current terms and conditions.
1. About TheHomeLoanShop.co.uk
TheHomeLoanShop.co.uk collects data from users and passes this on where applicable, without alteration, and after user approval, to our chosen third parties, as clearly stated to the user during the data submission process and at the end of the loan application process.
You agree and accept that Lexis Information Systems Ltd has no responsibility to review the content of the communications on the website all of which are made available on the basis that Lexis Information Systems Ltd shall not be required to exercise any control or judgment of the content or the material posted or contained therein.
Third party websites with links from TheHomeLoanShop.co.uk have not been verified or reviewed by Lexis Information Systems Ltd, and use and access of such third party websites is at your own risk. These links are provided solely as a resource and do not represent any endorsement or guarantee. We cannot be held responsible or liable for any loss or damage due to the use of or information obtained through this website.
You acknowledge and agree that Lexis Information Systems Ltd does not act in any way as your agent or as the agent for any of the third party organisations and services featured on the website.
Lexis Information Systems Ltd makes no warranties, nor can it assume any responsibility for the following:
- the accuracy, comprehensiveness, suitability or currency of the content of any third party material featured (whether or not this information is identified by Lexis Information Systems Ltd as being from a third party)
- the quality of service offered by any third party featured on the website, or recommended by Lexis Information Systems Ltd on the website
2. Lexis Information Systems Ltd
Lexis Information Systems Ltd is engaged in the marketing and supply of third party information relating to the finance industry - including in relation to loans and other financial services.
No financial information featured on the website or accessed by you as a result of a link displayed on the Website is intended or considered to be financial advice offered by Lexis Information Systems Ltd.
Lexis Information Systems Ltd is not authorized by the FSA (Financial Services Authority) in relation to the supply of advice in relation to financial products and should not be considered to be a financial advisor.
Lexis Information Systems Ltd cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party mentioned or recommended on TheHomeLoanShop.co.uk.
Many third party service providers will request that you are subject to their Terms and Conditions. Those Terms and Conditions are entirely separate to these Lexis Information Systems Ltd Terms and should be treated accordingly.
Before entering into any agreement with a third party we recommend that you read their Terms and Conditions very carefully and seek independent advice where necessary.
Lexis Information Systems Ltd may receive commission or fees as a result of your use of the services of third party providers featured on the website. We do not charge you for the services that we offer. These commissions or fees do not indicate an agency relationship between Lexis Information Systems Ltd and third party financial product or service providers, nor any involvement in any contract that you form with that third party provider.
To the extent permitted by law Lexis Information Systems Ltd excludes liability for all inaccuracies present on the website.
3. Copyright, Intellectual Property Rights and Trade Marks
All copyright, design rights, database rights, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any intellectual property rights in the website belong to and vest in Lexis Information Systems Ltd, or are licensed to Lexis Information Systems Ltd unless otherwise specified. All such rights of Lexis Information Systems Ltd are hereby asserted and reserved.
No person other than the rightful owner or licensee of such intellectual property rights may:
- hack, attempt to hack, distribute, modify, transmit, re-use, re-post, or use any or all of the website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without Lexis Information Systems Ltd's or the relevant licensee's prior written permission;
- provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the Website without Lexis Information Systems Ltd's prior written permission;
- display, publish, copy, print, post or otherwise use the website and the information contained therein for the benefit of any other website without Lexis Information Systems Ltd's or the relevant licensee's prior written permission;
- process or otherwise use the information contained on or within the website for any illegal or immoral purpose nor use or process the same unfairly.
4. Liability Obligations
Lexis Information Systems Ltd provides and maintains the website for personal information and community purposes, on an 'as is' basis. Lexis Information Systems Ltd shall be liable only to provide its services with reasonable skill and care and gives no other warranty in connection with the website.
Lexis Information Systems Ltd excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to Lexis Information Systems Ltd and Lexis Information Systems Ltd shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:
- any incorrect or inaccurate information on the Website and all interruptions to or delays in updating the service;
- the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the website;
- any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the website, or from transmissions via emails or attachments received from Lexis Information Systems Ltd or its licensees;
- the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") which are linked to from TheHomeLoanShop.co.uk. Any questions, problems or complaints regarding the content or use of other sites or companies linked to from The website should be taken up with said third party.
- all representations, warranties, conditions and other terms which but for this notice would have effect.
- Lexis Information Systems Ltd have used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards however it cannot account for the accuracy of information posted by users of the Website.
5. Agreement Termination
Lexis Information Systems Ltd shall be entitled to terminate this Agreement and immediately remove, cancel or suspend access to and use of the website upon your breach of any part of these Terms whatsoever.
Termination shall be without prejudice to the accrued rights of either party.
Lexis Information Systems Ltd will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.
All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
6. General Points
The content of this Website is directed solely at 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.
Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.
We may assign or transfer our rights under this agreement pursuant to a re-organisation of trade or share sale.
These Terms and Conditions constitute the entire agreement between you and Lexis Information Systems Ltd and shall apply to the exclusion of all other terms or conditions of contract which you may purport to propose.
7. Governing 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.
8. Questions
If you have any questions or complaints relating to these terms and conditions, please contact us.