CCJ Remortgages Website User Agreement and Terms of Use

Use of the CCJ Remortgages ("we", "us", "ccjremortgages.co.uk") website ("the site") constitutes acceptance of the CCJ Remortgages Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the CCJ Remortgages website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

The terms "CCJ Remortgages", "ccjremortgages.co.uk" encompass the CCJ Remortgages Internet Site and Marketing Communications.

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the CCJ Remortgages website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, attorney's fees. The use of this site for any reason is deemed to be an agreement of this condition.

This independently owned website acts as an advertising and marketing vehicle to attract passive enquires (from people that are proactively searching for a mortgage using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial sevices providers. As such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website. CCJ Remortgages UK is not a lender or broker. We do not sell or recommend mortgages or broker services. CCJ Remortgages is not responsible or liable for any financial service or mortgage obtained through a 3rd party.

This website has been approved by the FSA through Bridge and Company Compliance (FSA authorisation number 300056). A remortgage enquiry from this website does not constitute an offer to provide a mortgage. You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 1%. Early repayment charges will apply. They will vary depending on the mortgage you choose. The overall cost for comparison is 7% APR. The actual rate available will depend upon your circumstances. Ask for a illustration. APR variable and based on a usual case. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

Bearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. Neither CCJ Remortgages nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

CCJ Remortgages is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use CCJ Remortgages. The user agrees not to rely on any information obtained from the CCJ Remortgages website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. It is the user's duty to execute anti-contamination or virus software and ensure that any information, if contaminated or infected, will not damage the user's information or system. The entire risk as to the use of the CCJ Remortgages website is with the user. CCJ Remortgages or its agents are not responsible or liable for telephone, network, ISP, electronic, computer or other communication problems or failures of any kind. Personal information sent to CCJ Remortgages is at the senders own risk.

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the CCJ Remortgages website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual merchants or linked sites. This also includes, without limitation, attorney's fees. The use of this site for any reason is deemed to be an agreement of this condition.

We do not warrant or guarantee that the CCJ Remortgages website will be uninterrupted or error-free.

We do not make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and do not represent an endorsement or guarantee, either expressed or implied. The CCJ Remortgages website does not assume any liability for any of the products, services, or data of any other sites. The CCJ Remortgages website is a facilitator of links to the content of other sites and as such has no editorial control over the content of such linked sites in the same manner that a public library has no control over the content of the books that it distributes. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the CCJ Remortgages website.

The user agrees not to rely on any information obtained from the CCJ Remortgages website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused.

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and CCJ Remortgages irrevocably submit to the non-exclusive jurisdiction of the English Courts.

This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The CCJ Remortgages website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

Whilst it is not our intention to do so, the operators of the CCJ Remortgages Website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.

We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

CCJ Remortgages is not associated with other companies who own similar sounding names. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the CCJ Remortgages website constitutes acceptance of the terms on this page.

If you do not agree with these terms, please exit this site by closing the browser window.

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to CCJ Remortgages ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our enquiry and administering and enforcing any subsequent loan which may be granted to me/us.

I/we agree that You and any advisor resulting from this enquiry (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future enquiries for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)

iii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our enquiry and administering and enforcing any subsequent loan whether during the course of my/our enquiry or during the lifetime of any loan granted pursuant to such application;

iv. to disclose the Data to any third party who replaces or who may replace my/our advisor.

We are registered under the Data Protection act 1998. Our registration number is PZ8733414.

The advisor and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

The personal details which you submit to us (Personal Data) are held by CCJ Remortgages for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. CCJ Remortgages may use the Personal Data for the purposes they have notified to the Office of Information. By submitting your Personal Data you CONSENT to it being processed by CCJ Remortgages.

If you have any questions/comments about our terms, you should write to us at:
5 Keysland,
Thundersley,
Essex
SS7 3TW

Tel: 0870 766 9057