Investalist.co.uk Terms and Conditions / Privacy
Investalist.co.uk Terms and Conditions / Privacy1. INTRODUCTION
"We" are Echo's Ltd and our address is Echo's Ltd. PO Box 169. Ware. Hertfordshire. SG12 0ZX. Our company number is: 4753279. You can contact us at info@investalist.co.uk.
These terms and conditions also include our privacy policy.
When you use this Site, you agree to be bound by these terms and conditions. If you do not agree to be bound by these Terms, you may not use this Site.
We suggest that you print and keep a copy of these Terms. They are a legal agreement between us and can only be modified with our consent. If we change these Terms at our discretion, we will do so by changing them on the website. The revised version of these Terms will then apply when you use this website.
2. INTELLECTUAL PROPERTY
The copyright and all other intellectual property rights in this Site (including all trade marks, service marks, trading names, text, graphics, code, files and links) belong to us or our licensor(s). You may download material from this Site for the sole purpose of using this Site. However, you must not copy, transmit, modify, republish, store (in whole or in part), frame, pass-off or link to any material or information on or downloaded from this Site without our prior written consent.
The Investalist logo is our registered trademark. You may not use or copy it without our prior written consent.
The details of the properties available on this Site have been sourced from sales agents for your information only. We cannot verify these details and therefore make no warranties or representations as to their accuracy or completeness. If you rely on these details, you do so at your own risk.
You must not include links to this Site in any other website without our written consent.
3. YOUR OBLIGATIONS AND CONDUCT
You accept that you are solely responsible for ensuring that your computer system meets all relevant technical specification necessary to use this Site and that your computer system is compatible with this Site.
You must not misuse our system or this Site. In particular, you must not hack into, circumvent security or otherwise disrupt the operation of our system and this Site, or attempt to carry out any of the foregoing.
4. REGISTRATION
To receive details of properties on this Site, you must submit a completed registration form to us. At our discretion, we may refuse your application for registration. If we accept your application for registration, we will confirm this by sending you an email containing your account ID.
Each registration is for a single user only. You may not share your user name and password with any other person nor with multiple users on a network.
You undertake that all information provided by you for the purposes of registering with us is accurate and complete.
You accept sole responsibility for all use of and for keeping secret any account ID and password that may have been given to you or chosen by you for use on this Site. You will notify us immediately of any unauthorized use of them or any other breach of security of this Site of which you become aware.
5. BARRING FROM THE SITE
We reserve the right to bar users from this Site, on a permanent or temporary basis at our sole discretion. Any such user shall be notified and must not then attempt to use this Site under any other name or through any other user.
6. WARRANTY
Whilst we endeavor to ensure that any material available for downloading from this Site is not contaminated in any way, we do not warrant that such material will be free from infection, viruses and/or similar code.
Due to the nature of software and the internet, we do not warrant that your access to, or the running of, this Site will be uninterrupted or error free. We shall not be liable if we cannot process your details due to circumstances beyond our reasonable control.
The information provided on this Site is for general interest only and does not constitute specific advice. Whilst we endeavor to ensure that the information on the Site is accurate, complete and up-to-date we make no warranties or representations that this is the case.
Most properties are removed from our database within 4 weeks of inclusion. Due to the fact that the properties are heavily discounted, some may be sold prior to being removed from the database. We can offer no compensation or refund if this occurs.
We make no warranty or guarantee that the Site or information available over it complies with laws other than those of England.
7. LIABILITY
Nothing in these Terms will be deemed to exclude our liability to you for death or personal injury arising from our negligence, or for fraudulent misrepresentation.
We will not be liable for any failures due to software or Internet errors or unavailability, or any other circumstances beyond our reasonable control.
We do not accept any liability for loss of your password or account ID caused by a breakdown, error, loss of power or otherwise caused by or to your computer system.
We accept no liability for any loss suffered as a result of your use of this Site or reliance on any information provided on it and exclude such liability to the fullest extent permitted by law.
We shall not be liable to you for:
Any indirect, consequential, special or punitive loss, damage, costs and expenses;
Loss of profit;
Loss of business;
Loss of reputation;
Depletion of goodwill; or
Loss of, damage to or corruption of data.
When you use the "contact forms" on this Site to enquire about property or other services such as obtaining finance, your details (including your email address) will be sent by email to the service provider. We do not accept any liability for any subsequent communications or advice that you receive directly from the service provider.
Investalist.co.uk is an introducer to third party registered financial intermediaries and any mortgage transactions will be carried out with or through third parties and not with Investalist.co.uk. Investalist.co.uk takes no responsibility for your dealings with any third party that you make contact with via this website, and any such dealings will be subject to the third parties Terms and Conditions. Investalist.co.uk does not recommend or endorse products offered to you by third parties contacted via this website. We do not provide any advice on financial products. We recommend that you speak to your own financial advisor. Should you deal only with a financial advisor introduced to you by this website, no warranties, promises and/or representations of any kind, express or implied, are given by us as to the nature, standard, accuracy or otherwise of the information or advice that you may receive there from. Investalist.co.uk may receive commission or a share of the revenue received by the third party.
Investalist.co.uk are not registered to provide financial advice or to conduct investment business. Information on this site is of a general nature and is for general use only. Any information found on this website does not constitute advice and should not be used, construed or relied on as such.
8. LEGAL JURISDICTION
English law shall apply to these Terms. You irrevocably agree that the courts of England will have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms and for those purposes irrevocably submit all disputes to the exclusive jurisdiction of the English courts.
9. NOTICES
All notices shall be given:
to us, by email to (email address) or by post to Echo’s Limited .PO Box 169. Ware. Hertfordshire. SG12 0ZX
to you, by email to the email address that you provide to us at the point of your registration, as may be amended by you on the Personal Details section of this Site from time to time.
All notices sent by email will be deemed to have been received on receipt (or, when received on a UK national holiday or on a Saturday or a Sunday, the next working day following the day of receipt). All notice sent by post will be deemed to have been received 3 working days after the date of posting.
10. PRIVACY POLICY
We respect and take very seriously your privacy. When you browse this website, personal information about you is not automatically collected. However we may receive such information if you choose to provide it to us.
We may collect, process and disclose to other third parties, such personal information, if you choose to provide it to us (eg. finance or other service provider).
Your personal information may also be disclosed to any third party engaged to develop, maintain and host this website and otherwise as required by law. Any use of your personal data by these other parties will be subject to their own data practices.
We will hold and process the details you give to us for the purpose of sending you emails containing property related news reports and other items that we feel may be of benefit to you unless you indicate by ticking the 'opt out box' that you do not wish us to use your details for any form of marketing.
11. CUSTOMER FEEDBACK
We operate a system to ensure that all customer feedback is dealt with fairly and consistently, and is properly recorded. We welcome any suggestions that you make about how we may improve our service. Please write to us Customer Services. Echo’s Limited - PO Box 169. Ware. Hertfordshire. SG12 0ZX or email us at (email address).
12. GENERAL
We may from to time to time change the content of this Site or suspend or discontinue any aspect of this Site, which may include your access to it. Subject to our notifying you to the contrary, any amendments or new content to this Site will be subject to these Terms.
These Terms are the whole agreement between you and us. You acknowledge that you have not entered into this agreement in reliance on any warranty or representation made by us (unless made fraudulently). If a court decides that any part of these Terms cannot be enforced, that particular part of these Terms will not apply, but the rest of these Terms will. A waiver by a party of a breach of any provision shall not be deemed a continuing waiver or a waiver of any subsequent breach of the same or any other provisions. Failure or delay in exercising any right under these Terms shall not prevent the exercise of that or any other right. You may not assign or transfer any benefit, interest or obligation under these Terms. The provisions of the Contracts (Rights of Third Parties) Act 1999 shall not apply to these Terms.
DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Investalist ("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 application and administering and enforcing any subsequent loan which may be granted to me/us.
I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application 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 Lender, 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 Lender 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 applications 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 lenders for these purposes)
iii. to disclose the Data to any other company within the Lender'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 application and administering and enforcing any subsequent loan whether during the course of my/our application 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 Lender.
PREVENTION OF MONEY LAUNDERING
The Lender 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.
RIGHT OF SUBJECT ACCESS
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.
PERSONAL DETAILS AND DATA PRIVACY
The personal details which you submit to us (Personal Data) are held by Investalist 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. Investalist 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 Investalist.
The Mortgage Times Group and it’s divisions (including Mortgage Minds) will hold your data for the purposes of processing and marketing unless you have indicated you do not want this by ticking the 'opt out' box.
DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Investalist ("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 application and administering and enforcing any subsequent loan which may be granted to me/us.
I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application 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 Lender, 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 Lender 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 applications 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 lenders for these purposes)
iii. to disclose the Data to any other company within the Lender'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 application and administering and enforcing any subsequent loan whether during the course of my/our application 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 Lender.
PREVENTION OF MONEY LAUNDERING
The Lender 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.
RIGHT OF SUBJECT ACCESS
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.
PERSONAL DETAILS AND DATA PRIVACY
The personal details which you submit to us (Personal Data) are held by Investalist 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. Investalist 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 Investalist.
The Mortgage Times Group and it’s divisions (including Mortgage Minds) will hold your data for the purposes of processing and marketing unless you have indicated you do not want this by ticking the 'opt out' box.