Terms & Conditions

Introduction
Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read them carefully.

This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations. Use of www.sbms-online.co.uk Web Site (the "Site") is subject to your compliance with the terms and conditions set forth below.

Copyright
The information contained on and the contents of the pages of this site, not limited to the layout and expression are copyright Stuart Brown Mortgage Services and/or its third party suppliers and may not be copied, transmitted, converted, transcribed or reproduced without the prior consent of Stuart Brown Mortgage Services. You may print/download on any single computer one copy of these pages for your own personal non-commercial home use. All copyright notices, propriety notices and disclaimers should also be copied. All rights not expressly granted by us in these terms and conditions of use are hereby reserved.

Links from other sites
You may link your website to ours only with our prior expressed written permission, and subject to the display of a separate URL. We retain the right to withdraw this permission without notice or explanation at any time.

Where other sites are linked to ours, there is no implication that the third party site is part of the Stuart Brown Mortgage Services site, or that Stuart Brown Mortgage Services in any way endorses the content or policies of the third party site. Stuart Brown Mortgage Services will not accept any liability for any claim as a result of the content or activity of a third party site.

Changes to terms
We are continually seeking to improve and update the site. Therefore, we may make changes to any part of the site and these conditions, and you will be bound by these changes and conditions from the next time that you access the site.

No purported modification of these conditions will be effective until we countersign it.

Governing Law
Use of this site is subject to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use. By accessing this site you agree to submit to the exclusive jurisdiction of the UK courts over all claims or disputes arising in relation to, out of or in connection with this site and its use. If any provision of these terms and conditions of use shall be held to be unlawful, void or unenforceable for any reason then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.

User Conduct
The User warrants to Stuart Brown Mortgage Services that they will not use the service for any purpose that is unlawful or prohibited by these terms, conditions and notices. The user agrees that they will not harvest or otherwise collect any information about others, including email addresses, telephone numbers or other details without their consent. They will not interfere with or disrupt networks connected to the service or violate the regulations, policies or procedures of such networks. They will not attempt to gain unauthorised access to the service, other accounts, and personal details of other users, computer systems connected to the service, through password mining or any other means. Any material the user posts on the service or communicates to other users through the service will be relevant to that particular portion of the service. The user takes full responsibility for any legal consequences whatsoever that arises as a consequence of material posted on the service by the user or transmitted by the user through the service and indemnifies Stuart Brown Mortgage Services of all legal costs or damages caused by the users material. They will not transmit any material that contains viruses, Trojan horses, worms, time bombs or any other harmful or programmes onto the service or through the service. They will not put onto the service or transmit through the service any material that is protected by intellectual property laws, rights of privacy or publicity or any other applicable law unless the user owns or control the rights hereto or has received all necessary consents. They will not create a false identity for the purpose of misleading Stuart Brown Mortgage Services or other users. Stuart Brown Mortgage Services reserves the right at all times to monitor, review, retain, and/or disclose any information as necessary to satisfy any applicable law, regulation, legal process or government request.

No Offer
Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any financial services or any advice or recommendation with respect to such financial services.