Terms and Conditions

The use of our website is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of the Remortgage Quotes Online website, you agree to be bound by the following terms and conditions.

Who are we?

We are Remortgage Quotes Online, a trading style of Mycasa LLC. Mycasa LLC is registered in United States of America. The principal place of business is 124 Broadkill Rd #479, Milton, DE 19968-1008, USA. We are found on the FCA's Financial Services Register under firm reference number 964790 as an Appointed Representative of Everything Financial Technologies Ltd who is authorised and regulated by the Financial Conduct Authority. Mycasa LLC is registered with the Information Commissioner, Licence No. ZA434846

How can you contact us

Any questions regarding these terms and conditions and our privacy practices should be sent by email to hello@remortgagequotesonline.co.uk or by writing to Remortgage Quotes Online c/o Everything Financial, Riverside, Mountbatten Way, Congleton CW12 1DY, UK.

Your acceptance of these terms and conditions

It is important to us that you understand how our service works before you use it, so please read these terms and conditions, our privacy notice and our cookie notice. You should understand that if you use our service, you:

1. agree to accept and be bound by these terms and conditions, our privacy notice and our cookie notice
2. agree to abide by these terms and conditions
3. agree to use our service for lawful purposes only

Services that we offer, or make available to you, may also be governed by additional or alternative terms and conditions with us, or other third parties.

If you do not agree to these terms and conditions, our privacy notice or our cookie notice, please do not continue to use our service.

Our Service

We are a credit broker and provide this website in order for you to compare various mortgage products that you may be eligible for.

This Website offers comparison services in respect of certain loan and mortgage products (as set out below) that are provided and powered by a third party and are subject to such third parties' terms and conditions. In respect of the Third Party comparison service:-

Our comparison service is provided and powered by Everything Financial. Everything Financial a trading name of Everything Financial Technologies Ltd is authorised and regulated by the Financial Conduct Authority under reference number 964790, registered in England and Wales, company registration number 08760331. By using this website for the purpose of comparison services, you are agreeing to Everything Financial Technologies' Terms and Conditions and Privacy notice.

Everything Financial work with Podium Solutions Limited who use a search engine to be able to analyse product availability across thousands of mortgages to match the products you are looking for.

The system benefits from up-to-date product information ensuring that mortgage options are provided to you at the time you use the service. Products shown are a small sample of what may be available products for you and those displayed are not recommendations and must not and should not be seen to be financial or professional advice. If you are at all unsure, we recommend that you speak to an Independent Financial Adviser or Mortgage Broker for qualified professional advice.

The search engine will use personal information you have provided along with responses to our questions to help determine which lending products match what you are looking for.

The use of the service provided by Podium Solutions Limited is subject to their Terms and Conditions.

For further information about how your details will be used, please read the rest of these Terms and Conditions, and our privacy notice.

We work with several preferred mortgage broker partners who can bring you a range of mortgages designed to meet your needs.

If you obtain a mortgage quote on this website, Everything Financial Technologies Limited may refer you to one of the third parties listed in the below table. These companies will be acting as a data controller of your information and therefore we advise you to read their privacy notice and terms and conditions. These companies may share your information with us which we will use in accordance with these Terms and Conditions.

We do not charge you a fee for using our service, however we will receive a commission from Everything Financial Technologies Ltd in relation to the service they provide.

Permitted use of our service

Our service is for your personal use only. Access to our service other than for your personal use is strictly prohibited.

Our service is intended for use only in the UK. We make no warranty or representation that any product we advertise is available or otherwise appropriate for use outside of the UK. If you choose to use the service from locations outside the UK, you do so at your sole risk, and you are responsible for compliance with all applicable local laws.

Our service is intended for the use of individuals over the age of 18 years.

You are not permitted to use our service:

1. in any manner that may be deemed unlawful, fraudulent or commercial in nature
2. with another person's details
3. to tamper with, modify, reverse engineer or amend any part of it
4. in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems
5. with any automated software, process, program, robot, web crawler, spider, data mining, trawling or other "screen scraping" software, process, program or system

You may operate a link to our website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to our website in such a way as to suggest or imply any form of association, approval or endorsement by us without obtaining prior written permission from us. We reserve the right to require you to remove any link to our website immediately and at any time and to withdraw any linking permission at any time.

Intellectual property

The trademarks, copyright, database rights and other intellectual property rights in our service and in the information displayed on our website belongs to us and all such rights are reserved.  You must not use such information or copyright material unless you have written permission from us to do so.

You may temporarily print, download or store extracts of information displayed on our website for your own personal, non-commercial use, provided you do not otherwise breach these terms and conditions.

All rights in our website and service are owned by us.

Your responsibilities

a. You will provide accurate information about yourself
In order to use our service, you are required to supply personal information and answer a series of questions about yourself and other linked parties if applicable. These questions are designed to ensure that we have the information necessary to provide you with appropriate information regarding the products that may be available to you. Eligibility is determined by the information you provide, it is therefore very important that you answer all questions truthfully, completely and accurately and that you disclose all relevant facts. Failing to do this could result in inaccurate information being displayed to you about the mortgages available. In those cases, should you decide to proceed with a mortgage enquiry the eligibility check will be invalid.

b. Use third party websites
When you use the website of any mortgage broker or obtain advice for any of their products offered, you will be subject to their own terms and conditions, privacy policies and cookie policies, which will be different from ours. It is therefore very important that you read their terms and conditions and any other supporting documents they provide before making a full application for any product they can provide. You should also familiarise yourself with all the details of the product, for example, interest rates, early repayment charges, fees, conditions and obligations. Ask for help if you are unsure about any of the information you receive.

We do not endorse, recommend or accept responsibility for any mortgage or other advice given by third parties including, associated products or services, their websites or for any information, opinions or views given or advice provided by them and we accept no responsibility for any loss or damage that may arise from your use of them.

c. Misuse of our website
You must not misuse our website or the websites of third parties or any other technology by:

1. knowingly introducing viruses, trojans, worms, logic bombs or other material which may have a harmful effect to them
2. attacking them via a denial-of-service attack or a distributed denial-of service attack
3. attempting to gain unauthorised access to the server on which our website is stored, or any server, computer or database connected to our website

d. Data privacy
We process information about you in accordance with our privacy notice. By using our service, you consent to such processing and you warrant that all data provided by you is accurate. We also use cookies, as set out in our cookie notice.

Our responsibilities and liability to you

a. Accuracy of information on our website We aim to ensure that the material displayed on our website is accurate and we try to correct any errors or omissions as soon as we become aware of them. However, we do not guarantee that the information on our website is always accurate and free from errors or omissions. We reserve the right to add, amend information displayed on the website at any time and without notice. The information and descriptions of products advertised on our website may not represent the complete descriptions of all the features and terms and conditions of those products. You must ensure that you carefully read all the features and terms and conditions of any product before applying for it.

b. Availability of our website and services We aim to provide uninterrupted access to our service, but we give no warranty on this. We reserve the right to suspend, restrict or terminate your access to our website and services at any time.

c. Viruses and malware We aim to ensure our service is not technologically compromised but we do not give any warranty that our website is free from viruses or anything else which may have a harmful effect on any technology.

d. Exclusions of our liability The information, materials and functions contained in this website including text, graphics, links or other items are provided on an “as is” basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Remortgage Quotes Online excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third-party Websites linked to or from this website. We do not accept any responsibility or liability for any direct, indirect or consequential loss or damage you may incur in connection with our website or in connection with your use, inability to use, results of the use of our website, and any websites linked to it and any information displayed on it, including without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of or damage to data and for any other loss or damage of any kind, however arising, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above. Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Remortgage Quotes Online to any person which it has under the Financial Services and Markets Act 2000 or its amendments.

Communication from us and the third parties

You may receive a communication from us as a result of using our service in the form of an email and SMS of your Quotation. We may also contact you for legal or regulatory reasons if a need arises.

By using our service to find a product, you may be contacted by a mortgage broker (detailed within the above table). We advise that you read their privacy notice and terms and conditions prior to completing your full application with them details of which can be found above and within our privacy notice.

Duration of these terms and conditions

If we believe that you have not complied with any of these terms and conditions, that you are misusing our service or that your use of our service is in any way detrimental to us or a security risk, we may in our sole discretion suspend your access to the service or any part thereof without notice.

General

If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.

These terms and conditions, together with our privacy notice and cookie notice, constitute the entire agreement between you and us relating to your access to and use of our website and services and supersedes any prior agreements (including any of our previous terms and conditions you have agreed to).

No failure or delay by us in exercising any right under these terms and conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

The terms and conditions of use of this website shall be exclusively governed by and construed in accordance with the laws of England and Wales.

Changes to these terms and conditions

We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website and the date of the most recent changes will appear on this page.

By continuing to use our service after changes are posted, you are accepting our new terms and conditions.

Last updated: 15th January 2024