These terms of use (together with the documents referred to in them) tell you the terms on which you may make use of our website www.moveiqmortgages.co.uk (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Our Cookie Policy, which sets out information about the cookies on our site.

Our Complaints Policy, which explains how you can raise a complaint with us; and

any additional terms, disclosures or documentation provided to you in connection with a particular mortgage or other service.

If any separate terms apply to a product or service made available through our site, those terms will be provided to you before you agree to proceed.

Information about us

www.moveiqmortgages.co.uk is a site operated by Haus Mortgages Limited, trading as Move iQ Mortgages (“we”, “us” or “our”). Haus Mortgages Limited is registered in England and Wales with company number 10839010. Registered Office: 13 The Horsefair, Romsey, England, SO51 8EZ.

Move iQ Mortgages is a trading name of Haus Mortgages Limited, which is an appointed representative of HL Partnership Limited. HL Partnership Limited is authorised and regulated by the Financial Conduct Authority.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £290 to £490, and this will be discussed and agreed with you at the earliest opportunity.

Mortgage advice fees

There may be a fee for mortgage advice.

The precise amount will depend on your individual circumstances but will range from £290 to £490.

Any applicable fee will be discussed with you and agreed at the earliest appropriate stage before you proceed.

You may also have to pay fees or charges to lenders or other providers. Where applicable, these will be explained to you as part of the mortgage advice and application process.

Changes to these terms

We may revise these terms of use at any time by amending this page.

Please check this page from time to time to take notice of any changes we made, as they are binding on you.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. We do not represent that content available on or through our site is appropriate or available in other locations. If you choose to access our site from outside the UK, you do so at your own risk.

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@moveiqmortgages.co.uk.

Move iQ Mortgages app

Our site allows you to access and download the Move iQ Mortgages app, which is provided by Haus Mortgages Limited trading as Move iQ Mortgages. The app may be downloaded through third-party app stores, including the Apple App Store and Google Play, and your use of those app stores will also be subject to their applicable terms.

Your use of the Move iQ Mortgages app is subject to these terms where applicable, together with our Privacy Policy and any additional terms or information made available within the app.

You may uninstall the app from your device at any time. Uninstalling the app does not automatically delete your Move iQ Mortgages account or personal information held by us.

If you wish to close your account and request deletion of your personal information, you can do so through the account deletion option within the app or by contacting us using the details set out in our Privacy Policy. Further information about how we handle deletion requests and any information we are required to retain is provided in our Privacy Policy.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.

Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The general content on our site is provided for information and guidance. It should not be treated as a personal mortgage recommendation unless we expressly tell you that we are providing you with personalised mortgage advice. Where we provide mortgage advice, any recommendation will be based on your individual circumstances and will only be made after we have obtained and assessed the relevant information about your needs and circumstances.

Although we make reasonable efforts to keep the general information on our site accurate and up to date, mortgage products, rates, criteria and availability can change. Any personalised mortgage advice or recommendation will be based on the information available and your circumstances at the time the advice is provided.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

1. use of, or inability to use, our site; or
2. use of or reliance on any content displayed on our site.
3. If you are a business user, please note that in particular, we will not be liable for:
4. loss of profits, sales, business, or revenue;
5. business interruption;
6. loss of anticipated savings;
7. loss of business opportunity, goodwill or reputation; or
8. any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different terms, disclosures and product documentation may apply when you receive regulated mortgage advice or proceed with a mortgage product or another service through us. Where applicable, these will be provided or explained to you as part of the relevant advice or application process.

Uploading content to our site

Whenever you use a feature that allows you to submit information or documents through our site, including a mortgage enquiry, questionnaire or application journey, you must ensure that the information you provide is accurate, complete and up to date and that you have the right to provide it to us.

The information you provide may be used to understand your needs and circumstances and, where you receive mortgage advice, to assess which mortgage options may be suitable for you. It is important that the information you give us is accurate and complete, as our advice may rely on it.

If your circumstances or any information you have provided changes before a mortgage application or transaction is completed, you should tell us as soon as reasonably possible.

Any personal information or documents you submit through our site will be handled in accordance with our Privacy Policy and applicable data protection requirements.

We may share relevant information with lenders, product or service providers, HL Partnership Limited and other parties where necessary to provide our services, progress an enquiry or application, comply with legal or regulatory obligations, prevent fraud or financial crime, or as otherwise described in our Privacy Policy.

We do not guarantee that submitting an enquiry, questionnaire or other information through our site will result in a mortgage recommendation, mortgage offer or mortgage application being accepted by a lender. Mortgage availability and lending decisions depend on your individual circumstances and the relevant lender’s criteria.

We may reject or remove information or material submitted through our site where we reasonably believe it is unlawful, harmful, inappropriate or inconsistent with these terms.

Where our site includes information supplied by lenders or other third parties, we take reasonable steps to present that information clearly, but mortgage products, rates, criteria and availability may change.

You are responsible for keeping copies of any information or documents you may need for your own records.

Use of information and documents you provide

When you provide information or documents through our site, you authorise us to receive, store, use and share them as reasonably necessary to provide our services, assess your needs and circumstances, progress any mortgage enquiry or application, comply with our legal and regulatory obligations, and as otherwise described in our Privacy Policy.

1. We will handle personal information in accordance with applicable data protection law and our Privacy Policy.
2. Where you receive mortgage advice, we may use the information you provide as part of our assessment of your needs and circumstances and may share relevant information with lenders and other parties involved in providing or arranging the service, as explained in our Privacy Policy and regulatory documentation.

Nothing in these terms limits any legal or regulatory obligation requiring us to retain, use or disclose information.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site on any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the homepage.

We reserve the right to withdraw linking permission without notice.

The website from which you are linking must comply with applicable law and must not contain material that is unlawful, misleading, defamatory or otherwise harmful.

If you wish to make any use of content on our site other than that set out above, please contact hello@moveiqmortgages.co.uk.

Third party links and resources on our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction.

However, if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Contact us

To contact us, please email hello@moveiqmortgages.co.uk.

Thank you for visiting our site.

Move iQ Mortgages is a trading name of Haus Mortgages Limited, which is an appointed representative of HL Partnership Limited. HL Partnership Limited is authorised and regulated by the Financial Conduct Authority. Haus Mortgages Limited is registered in England and Wales with company number 10839010. Registered Office: 13 The Horsefair, Romsey, England, SO51 8EZ.