1. General

1.1 The following terms and conditions apply to all Online Mortgage Calculators t/a Creative Leads websites and it service to you the customer. This includes our telephone helpline, face-to-face appointment service and all websites operated by us within the www.onlinemortgagecalculators.co.uk domain (‘our website’).

Online Mortgage Calculator : www.onlinemortgagecalculators.co.uk

This policy sets out the basis on which any personal data we collect from you, or that you provide us with, will be processed by us or our delivery partners.

Any information you provide will be treated in accordance with the Data Protection Act 1998. You won’t receive unsolicited telephone calls or mail from us or any third parties unless you have requested it or not responded to an optout offer.

Please notify us by email to enquiries@onlinemortgagecalculators.co.uk if you have provided us with personal information and you do not wish it to be used as described below, or you wish to see which information we hold about you as a result of your contact with us.

1.2 By accessing any part of the Online Mortgage Calculators website you will be deemed to have accepted these terms in full.

1.3 These terms are governed by and interpreted in line with English Law.

2. Copyright

2.1 Unless otherwise stated Creative Filter Ltd owns the copyright and any other intellectual property rights in all material on the Online Mortgage Calculators website.

2.2 Subject to Clause 4 below Creative Filter Ltd grants permission for extracts of the Online Mortgage Calculators website (of up to 10,000 words) to be printed, saved to disk or downloaded to any other storage medium, provided:

2.2.1 It is for your own personal use as a consumer or for your benefit, or for use within a charity or not-for-profit organisation and is not for a commercial purpose of any kind;

2.2.2 No text or related graphics are modified in any way;

2.2.3 Graphics are not used separately from the accompanying text;

2.2.4 The source of the material is acknowledged in all copies, either by appropriate words or by adding the Creative Filters Ltd copyright notice (ie © Creative Filter Limited).

2.3 Charities and not-for-profit organisations may give copies of extracts, as described in Clause 2.2 above from the Creative Filter Ltd website to consumers incidental to advice and other activities. These extracts can be given in any form appropriate to the advice or other activities – e.g. printed paper, by fax, email or other electronic means.

2.4 The information on the Online Mortgage Calculators website may also be used, after receiving written agreement from Creative Filter Ltd, by the providers of other websites or publications to help them develop their own content. Such approvals will be granted subject to status of the provider, reasons for use and current Creative Filter Ltd editorial policies. Any additional requirements will be agreed at the time of approval between the requestor andCreative Filter Ltd and in most cases will vary the terms of this Copyright section. Written agreement requests may be submitted via email or letter to Creative Filter Ltd’s registered office.

2.5 Any rights not expressly granted in these terms are reserved.

3. Disclaimer

3.1 We try to ensure that the information on theCreative Filter Ltd Ltd websites is correct, but (except where indicated) we do not give any express or implied warranty as to its accuracy and we do not accept any liability for error or omission.

3.2 We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use theCreative Filter Ltd Ltd website, or any material contained in it, or from any action or decision taken as a result of using the Creative Filter Ltd Ltd website or any such material.

3.3 The Creative Filter Ltd Ltd website and associated publications aim to give you general information to help you make financial decisions and are intended for consumers of UK financial services resident in the UK.

3.3.1 The information and tools provided are not advice, nor can they take account of your own particular circumstances.

3.3.2 For advice with a view to making decisions about your own circumstances you should first speak with an adviser fromCreative Filter Ltd.

3.4 We sometimes provide case studies in our website content. When we do they are generally based on real life situations, but we change the names of individuals and any identifying information.

3.5 We do not control other websites linked to from theCreative Filter Ltd websites and we are not responsible for the contents of them, or any changes or updates to such websites.

3.5.1 We are not responsible for webcasting or any other form of transmission received from any other websites.

3.5.2 We provide you with links to other websites only as a convenience, and our inclusion of links to them does not imply Creative Filter Ltd endorsement of their content or services.

3.6 While we try to ensure that theCreative Filter Ltd website is normally available 24 hours a day we are not liable if, for any reason, the site is unavailable for any period of time.

3.6.1 Access to the Creative Filter Ltd websites may be suspended temporarily or permanently and without notice.