Mortgages and Loans
Mortgages
Loans

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Terms and Conditions

Compliance
We Can Mortgages and Loans Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. We Can Mortgages and Loans Ltd is a company registered in England and Wales with company number 6780937. The registered address is Unit 2 Clavering Road, Blaydon, Tyne & Wear. NE21 5HH.

We comply with the Solicitor Introduction and Referral Code published by the Law Society, and any solicitor to whom we may refer you is an independent professional, from whom you will receive impartial and confidential advice. The client is free to choose another solicitor.


Website Use
This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.wecanmortgagesandloans.co.uk (our site) as a guest. 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
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.

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.


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 However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.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

Access to our website
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.

Information reliance
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Liability Limitations
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:

- use of, or inability to use, our site
- use of or reliance on any content displayed on our site
If you are a business user, please note that in particular, we will not be liable for:
- loss of profits, sales, business, or revenue
- business interruption
- loss of business opportunity, goodwill or reputation
- 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.


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.

Third party links and resources
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.

Payment Obligations
The amount of the Charges payable by the Client to us is set out in the IDD letter of engagement relating to the Services. The Client agrees that it is liable to pay the Charges to the Company when the offer is made to the Client by the Third Party and the Company may deduct its Charges and any other fees due to the Company under the Contract from any offer it receives on the Client's behalf.

All Charges and other fees payable by the Client to the Company shall be paid by the Client within 7 days of the Company's invoices for such charges or (if stated) by such later date stated in the Company's invoices.

When an offer for Loan, mortgage or other product is obtained from the Third Party on behalf of the Client which in the reasonable opinion of the Company is fair and reasonable having regard to the relevant timescales and that offer is rejected by the Client then the Company reserves the right to charge a fee equal to the amount of the Charge which would have been payable in the event that the Client accepted that offer in line with the Company's advice.

The Client agrees to pay to the Company the Charge and is deemed to have irrevocably accepted an offer in cases where an offer, which in the reasonable opinion of the Company is fair and reasonable, has been sent either by the Company or the Third Party to the Client, and the Client has not within 28 days of receiving such offer either returned to the Company, the Third Party's acceptance form or a letter rejecting the Third Party's offer.

Performance
We will use all reasonable endeavours to perform the Services within a reasonable period from the date of receipt of the letter of engagement signed by the Client. We cannot be held responsible for delays due to circumstances beyond its control, such as delays caused by the Third Party or the Client. Reasonable delays in performance or delays due to circumstances beyond our control shall not entitle the Client to terminate the Contract.

Force Majeure
We shall not be liable for any delay or other failure to perform any services by reason of any cause whatsoever beyond its reasonable control and the time for performance shall be extended by the period of any such delay.

Privacy Policy and Data Protection
All personal data will be held in accordance with the terms of our Company's privacy policy which can be found on the Company's website www.wecanmortgagesandloans.co.uk

All data is held in accordance with the provisions of the Data Protection Act 1998 ("DPA").

Our Company agrees to comply with any written Subject Access Request under the DPA made by the Client for the personal data that it holds subject to any exemptions that may apply from time to time. Our company's charges an administration fee for providing this information, which shall not exceed the fee from time to time permitted under the DPA (currently ?10).

Our Company further agrees to correct any inaccuracies in the Client's personal data held at the request of the Client.

By acceptance of the Company's privacy policy and unless and until the Company receives written instruction to the contrary, the Client agrees that the Company may share the Client's personal information with banks, Financial Advisers or other relevant institutions and to affiliates, associated companies or firms or service partners for the purposes of assisting the Client with the Client's application for any financial matters that the Company believes may be of assistance to the Client. Except as explicitly stated in this condition and the privacy policy, the Company does not disclose to any third party the information provided by the Client.

The Client acknowledges and agrees that its personal data may be submitted to a credit reference agency and processed on behalf of the Company in connection with the Services.

Misleading Information
The Company reserves the right to charge the Client for any costs incurred by the Company if any information provided by the Client is misleading or contains material omissions which result in the Company providing the service to the Client, which it would have declined to do, if it had been in possession of the full information.

Complaints
The Company operate a complaints procedure. If you wish to make a formal complaint, please send your complaint in writing to the following address. Head Of Legal Services, Unit 2 Clavering Road, Blaydon, Tyne & Wear. NE21 5HH. Alternatively, you can telephone our office on 0191 4990990 or email: admin@wecangroup.co.uk. We will acknowledge your complaint in writing within five days of receipt of your complaint. We will then issue our final response to you within eight weeks of receipt of your complaint.

Law and Jurisdiction
The law applicable to the Contract shall be English law and the parties consent to the jurisdiction of the English courts in all matters affecting the Contract.

Tel: 0191 4990990
We Can Mortgages and Loans.
Clavering Road
Blaydon, Gateshead
Tyne & Wear
NE21 5HH

Copyright 2016 We Can Group Ltd. All rights reserved

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