Terms of use

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Introduction

This website www.commercialtrust.co.uk('website') is owned and provided by Commercial Trust Limited.

References to "you" and "your" in these Terms of Use are to a person who accesses and/or uses the Website. References to "we" and "us" in these Terms of Use are to Commercial Trust Limited.

Commercial Trust Limited is a company registered in England and Wales under company number 8633445, whose registered office is at St. Crispins House, Duke Street, Norwich NR3 1PD.

We are authorised and regulated by the Financial Conduct Authority, registration number 610175. Our VAT number is 765 3535 12.

Your agreement to the Terms of Use

Your access to, and use of, this Website is subject to these Terms of Use and to our Privacy Policy.

By accessing and using this website (including by downloading any document that can be downloaded from or via this Website) you agree that these Terms of Use and our Privacy Policy apply to you and to your access to, and use of, this website and that you will be bound by, and comply with, these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use and our privacy Policy you must stop using this Website immediately and must not download any material from or via this Website.

Permitted use of this website

You may access and use this Website only to find out about and make applications for mortgages and other products in respect of which we act as a broker and to seek general guidance on matters of relevance to the letting of property. Any other use (including any use that is not for you personally or in connection with your own business involving the letting of residential property) is not allowed. So, for example, you may not access and use this Website on behalf of someone else and/or in connection with a business other than your own business involving the letting of residential property.

If you provide any information or material on, downloadable from, linked to from, or accessible via, this Website to another person you will be responsible to us for their use of, and reliance on, that information or material in the same way that you would be if their use of, or reliance on, that information or material was use of, or reliance on, that information or material by you.

Access to this website

Access to this and any other websites we may provide is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this Website or any other such websites without notice (see below). We will not be liable if for any reason this Website or any other such website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts (or all) of this Website or any other of our websites to users who have registered with us.

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, and 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 we believe that you have not complied with any of the provisions of these Terms of Use. You are responsible for making all arrangements necessary for you to have access to this Website and of our other websites. You are also responsible for ensuring that all persons who access this Website and of our other websites through your internet connection are aware of these terms, and that they comply with them.

Limitation of our liability in respect of the use and content of this Website and the need to obtain competent advice

There are many factors that may affect the legal, financial and other consequences of owning and letting out property, including, but not limited to, the suitability and effectiveness of the documentation used in the particular circumstances in which it is used, the steps you take to meet your statutory obligations as a property owner and landlord, the scope of, limitations on, and the effectiveness of, any insurance cover, the terms on which monies are lent to you and the tax that you (or others) may be or become liable to pay (such as, but not limited to, Income Tax, Corporation Tax, VAT, National Insurance Contributions, Stamp Duty Reserve Tax (or its equivalent in jurisdictions other than England), Capital Gains Tax and Inheritance Tax).

The relevant laws and rules may be subject to frequent change, including changes made with little or no prior notice, or even with retrospective effect. As, by using this website, you are agreeing that we are not liable to you in any way for the consequences to you or others of the use of (including reliance on) any Materials (as defined below), we recommend that, to the extent that you do not possess the relevant skills, knowledge or expertise, you take competent professional advice that you can rely on in respect of all of these, and other relevant matters, and that you ensure that any advice you have received remains up to date and takes into account relevant developments, including changes in your circumstances.

Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence.

We will use our reasonable endeavours to correct any errors on this Website and on material downloadable directly from it within a reasonable time of being made aware of them, but neither we nor anyone else represents, warrants or guarantees that information or material on, downloadable from, linked to from, or accessible via, this Website:

• was, is or will be accurate or complete at any time
• is suitable for any particular purpose or in any particular circumstances.

We do not accept any responsibility for any content or any other aspect (including links) of any website to which the Website may be linked (“Linked Sites”) or sites linked to or from any Linked Sites.

You acknowledge that anything on, downloadable from, linked to from, or accessible via, this Website (“Material”) may contain inaccuracies or errors, may be incomplete and may not be fit for any purpose that you or anyone else intends to use it.

Regardless of what may be stated to the contrary therein, we make no representation that any Material is suitable for any particular circumstances or any particular purpose.

No Material constitutes advice and we accept no responsibility for any reliance that may be placed on it by you or anyone else or any consequence of its use by you or anyone else for any purpose or in any circumstances.

You agree that you will not seek to place, and will not invite, recommend or encourage any other person to seek to place, reliance on Material in any way which may create a liability of us to you or any other person.

You acknowledge that, before using any information or material on, downloadable from, linked to from, or accessible via, this Website in any way that may create a liability for you or any other person or that may cause you or any other person to suffer harm or loss, you will seek the advice of a suitably qualified person regarding the suitability of such information or material for the purpose for which you or such other person intends to use the same and that you or such other person will make all necessary deletions from or amendments or additions thereto as may be necessary to make the same suitable for their intended purpose.

Your indemnity of us in relation to this Website

IMPORTANT – IF YOU DO NOT UNDERSTAND THE IMPLICATIONS FOR YOU OF THIS INDEMNITY YOU SHOULD TAKE ADVICE BEFORE USING INFORMATION OR MATERIAL ON, DOWNLOADABLE FROM, LINKED TO FROM, OR ACCESSIBLE VIA, THIS WEBSITE

You will indemnify us for all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses) suffered or incurred by us arising out of use by you (or by others where this has been facilitated by you, including, for example, use of your equipment, connections, web access or other facilities) of any Material.

Links

Any links on this Website to Linked Sites are for your convenience and to provide further information. They do not signify that we endorse the Linked Site(s).

We are not responsible for the content or operation of websites that are not run by us and your use of any website other than this Website (including Linked Sites) will be governed by the terms and conditions of use and privacy policy applicable to that website. These are likely to be different to those that apply to this Website.

It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any other website when you use that website.

Changes to Terms of Use

We may change these Terms of Use at any time and will always post the current version on this Website. If you continue to use this Website after a change to the Terms of Use you will be deemed to have agreed to the Terms of Use as changed. You are, therefore, advised to check this part of the Website regularly.

Intellectual property rights

We are, or are licensed by, the owner in respect of all intellectual property rights in this Website and in the materials published on it. Those materials are legally protected.

If you print off, copy or download materials from the Website (which you may do, but only for your personal use) you must not:

  • alter those materials
  • use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text; or
  • unless we have given our consent in writing, use any part of those materials for any commercial purpose.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by, and construed in accordance with, the laws of England and Wales.