Terms of Service

1. Introduction

Welcome to Mortgage Compare, operated by Compare Finance Tech Ltd ("we", "our", or "us"). These Terms of Service ("Terms") govern your use of our website and services located at mortgage-compare-pi.vercel.app (the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Service Description

Mortgage Compare provides:

• Mortgage rate comparison and information services
• Affordability calculation tools using HMRC-compliant tax calculations
• AI-powered criteria matching and property analysis
• Educational content and mortgage guidance
• Property insight tools including EPC and market data

Our services are provided for informational purposes only and do not constitute financial advice, mortgage broking, or regulated mortgage activities.

3. Important Disclaimers

3.1 No Financial Advice

We do not provide financial advice, mortgage advice, or recommendations. All information, calculations, and tools are provided for educational and comparison purposes only. You should seek independent financial advice before making any mortgage decisions.

3.2 Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of any information displayed on our Service. Mortgage rates, terms, and lender criteria change frequently and may differ from those shown.

3.3 Calculation Tools

Our affordability calculators and other tools provide indicative estimates only. Actual lending decisions depend on numerous factors including but not limited to credit history, employment status, debt-to-income ratios, and individual lender criteria. Always consult directly with lenders for accurate assessments.

3.4 Third-Party Content

Our Service may contain links to third-party websites, services, or lender calculators. We are not responsible for the content, privacy practices, or terms of use of any third-party services.

4. User Obligations

When using our Service, you agree to:

• Provide accurate and complete information when using our calculators
• Use the Service only for lawful purposes and in accordance with these Terms
• Not attempt to circumvent, disable, or otherwise interfere with security features
• Not use automated systems to access the Service without our written permission
• Respect intellectual property rights and not copy or distribute our content

5. Data Protection and Privacy

We are committed to protecting your privacy and personal data. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms.

Compare Finance Tech Ltd is registered with the Information Commissioner's Office (ICO) under reference ZB959426. We comply with UK GDPR and Data Protection Act 2018 requirements.

For detailed information about how we handle your data, please review ourPrivacy Policy.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Compare Finance Tech Ltd and its licensors. The Service is protected by copyright, trademark, and other laws.

You may not reproduce, distribute, modify, or create derivative works of any part of the Service without our express written permission.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Compare Finance Tech Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that defects will be corrected. Your use of the Service is at your own risk.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

8. AI and Automated Systems

Our Service utilizes artificial intelligence and automated systems to provide criteria matching, property analysis, and other features. These systems are designed to assist and inform but should not replace professional judgment or advice.

AI-generated content and analysis may contain errors or inaccuracies. We recommend verifying all information independently and seeking professional advice for important financial decisions.

9. Regulatory Information

Compare Finance Tech Ltd is not authorized or regulated by the Financial Conduct Authority (FCA). We do not arrange, advise on, or sell mortgage products. Some investment mortgage contracts are not regulated by the Financial Conduct Authority.

Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

For regulated mortgage advice, please consult with an FCA-authorized mortgage adviser or broker.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, if you breach these Terms or for any other reason at our sole discretion.

Upon termination, your right to use the Service will cease immediately, but provisions that by their nature should survive termination shall remain in effect.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be effective 30 days after posting. Continued use of the Service after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Information

If you have any questions about these Terms of Service, please contact us: