Terms of Use

1 Introduction

These Terms of Use (“Terms”) govern your access to and use of the Apex Mortgage & Protection website (apexmp.co.uk). By accessing or using this website, you agree to be bound by these Terms in full. If you do not accept these Terms, please do not use this website.

These Terms should be read alongside our Privacy Policy, which explains how we collect, use and protect your personal data.

2 About us

This website is operated by Apex Mortgage & Protection UK Ltd (“Apex”, “we”, “our”, “us”).

Apex Mortgage & Protection UK Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. You can verify our regulatory status on the FCA Register at register.fca.org.uk.

3 Use of this website

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of it. Specifically, you must not:

• Use this website in any way that breaches any applicable law or regulation
• Transmit any material that is defamatory, offensive or otherwise unlawful
• Attempt to gain unauthorised access to this website, the server on which it is stored, or any connected systems
• Introduce viruses, trojans, worms, logic bombs or other malicious or harmful material
• Use any automated system (including robots, spiders or scrapers) to extract content without our prior written consent

4 Jurisdiction and governing law

This website is intended for use only by individuals who can access it from within the United Kingdom. The information contained on this website is not directed at, nor intended for distribution to or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to local law or regulation.

These Terms, your use of this website, and any contract for services entered into with us shall be governed by the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

5 Accuracy of information

While we take all reasonable steps to ensure that the information contained on this website is accurate and up to date, it is provided on an “as is” basis. We do not accept any liability for any errors or omissions in the content of this website.

The information on this website is provided for general information only. It does not constitute financial, legal or tax advice. If you are in any doubt as to the validity or applicability of information on this website, please contact us directly to discuss your specific circumstances.

6 Availability of the website

While we take all reasonable steps to ensure this website is accessible at all times, we do not guarantee that it will always be available or be uninterrupted. We may suspend, withdraw or restrict access to all or any part of this website for business or operational reasons, including for routine maintenance or emergency updates.

We will not be liable to you if for any reason this website is unavailable for any period. We do not warrant that this website will be free of viruses or defects, and we accept no responsibility for any technical problems you may experience as a result of using this website.

7 Intellectual property

All content on this website — including text, graphics, logos, images, button icons, audio clips, videos and software — is the property of Apex Mortgage & Protection UK Ltd or its content suppliers and is protected by United Kingdom and international copyright, trade mark and other intellectual property laws.

You may view, download and print pages from this website for your own personal use, subject to the following:

• You must not modify the paper or digital copies of any materials you have printed or downloaded in any way
• 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 this website must always be acknowledged
• You must not use any part of the content on this website for commercial purposes without obtaining our prior written consent

8 Third-party links

Our website may contain links to other websites operated by third parties. These links are provided for your information and convenience only and do not signify that we endorse those websites or their content.

We have no control over the content of third-party websites and accept no responsibility for them, for any loss or damage that may arise from your use of them, or for their data protection or privacy practices. When you follow a link to an external website, you do so at your own risk.

9 Limitation of liability

To the maximum extent permitted by law, we exclude all liability for any direct, indirect or consequential loss or damage arising out of or in connection with the use of, or inability to use, this website. This includes (without limitation) loss of income, loss of profits, loss of business, loss of data, or any other loss whatsoever.

Nothing in these Terms shall exclude or limit our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited under English law

10 Privacy and cookies

We take your privacy seriously. Our Privacy Policy explains how we collect, use, store and share your personal data, in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Our website also uses cookies. Information about the cookies we use, and how to manage them, is set out in our Privacy Policy.

11 No financial advice

Nothing on this website constitutes financial, legal or tax advice. The information on this website is for general guidance only and should not be relied upon as advice for your specific circumstances.

Where you wish to receive personalised mortgage or protection advice, please contact us directly. Any advice we provide will be based on your individual circumstances, will be confirmed in writing, and will be subject to a separate client agreement.

Your property may be repossessed if you do not keep up repayments on your mortgage.

12 Changes to these Terms

We may revise these Terms at any time by amending this page. The “last updated” date at the top of this page indicates when these Terms were last revised. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you.

13 Contact us

If you have any questions about these Terms or about our website generally, please contact us:

• Email: [email protected]
• Phone: 03332 200 270
• Post: Apex Mortgage & Protection UK Ltd, Unity Business Centre, 26 Roundhay Road, Leeds, West Yorkshire, LS7 1AB