Equitec – Terms of Service

PLEASE READ THESE TERMS & CONDITIONS CAREFULLY BEFORE USING THIS SITE

About our Terms

These terms of service (together with the documents referred to in them) (Terms) govern your terms of use on which basis you may access and make use of our website, www.equitec.it and all associated web pages (the Site), which is provided free of charge.

You should read these Terms carefully before using the Site.

By accessing, browsing, using or registering to use the Site, you confirm that you accept these Terms and the documents referred to in them and agree to be bound by them. These Terms refer to our Privacy Policy, which also applies to your use of our Site.

If you do not agree with or accept any of these Terms, you should stop using the Site.

We recommend that you print a copy of these terms for future reference.

Definitions

Terms means these terms and conditions of use and any documents referred to in them, as updated from time to time; and

Privacy Policy means the policy www.equitec.it.terms-and-conditions/lender-privacy-policy, which governs how we process any personal data collected from you or that you provide to us.

Who we are and how to contact us

Equitec.it is a site operated by Equitec Ltd (we, us or our). We are a limited company registered in England and Wales under company number 11425582, and have our registered office at 304 Bridgewater Place, Birchwood Park, Birchwood, Warrington, Cheshire, WA3 6XG.

To contact us, please email [email protected]. We may record calls for quality and training purposes.

To contact us, please email [email protected]. We may record calls for quality and training purposes.

We amend these Terms from time to time. Every time you wish to use our Site, please check these Terms to ensure you understand the terms that apply at that time. These Terms were most recently updated in June 2020.

We may update and change our Site from time to time to reflect changes to our products/services, our users' needs and our business priorities.

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. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. Where possible, we will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms and other applicable terms, and that they comply with them.

Our Site is directed to people residing in the United Kingdom and who are aged over 18. We do not represent that content available on or through our Site is appropriate for use or available in other locations.

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You must not use such information or copyright material unless you have written permission from us to do so.

You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of these Terms, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

We make reasonable efforts to update the information on our Site and we will try to correct any errors or omissions as soon as we can after being notified of them. However, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete, free from errors or omissions, or up-to-date at any time. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on our Site at any time and without notice.

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely.

We are not responsible for websites we link to

Where our Site contains links to other sites and resources provided by third parties (including third party equity release providers), these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Subject to the paragraph immediately above, we do not accept any responsibility or liability for any loss or damage you may incur:

• arising from an inability to access the Site, from any use of the Site or from reliance on the data transmitted using the Site where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet;
• for any acts, omissions, errors or defaults of any third party in connection with any product/service; or
• which are indirect or not foreseeable by us when you accessed or used the Site.

If you use our Site for any commercial or business purposes, we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will only use your personal information as set out in our Privacy Policy.

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 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 that 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.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on our Site other than that set out above, please contact [email protected].

These Terms, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.

These Terms, together with the other documents referred to in these Terms, constitute the entire agreement between you and us relating to your access to and use of the Site and supersede any prior agreements (including any previous terms of use of the Site).

No failure or delay by us in exercising any right under these Terms will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.