Terms & Conditions

1. Acceptance Of Terms
2. The Services
3. Acceptable Use
4. Termination
5. Links To Third Party Websites
6. International Use
7. Intellectual Property Rights
8. Indemnity
9. Disclaimers and Limitation of Liability
10. Severance
11. Governing Law

1. Acceptance Of Terms

1.1 Your access to and use of Equity Release Scotland ("the website") and the services outlined are subject to these terms & conditions. You will not use this website or services for any purpose that is unlawful or prohibited by these terms and conditions. By using this website, you are fully accepting the terms and conditions contained in this notice. If you do not accept these terms, you must immediately stop using this website.

1.2 Equity Release Scotland reserve the right to update or amend these Terms & Conditions at any time and your contiuned use of this website following any changes shall be deemed to be your acceptance of any changes. It is your responsibility to check the Terms & Conditions regularly for any changes.

2. The Services

The website may provide communication tools such as email, contact forms etc ("the Services") which are designed to enable you to communicate with us. Unless stated, the Services are for your personal and non-commercial use.

3. Acceptable Use

5.1 In using the Website, you agree not to:

1. Use the Services to send junk mail. spam, chain letters or any other unsolicited messages.
2. Post, publish, distribute or disseminate material or information that is defamatory, infringing, obscene, threatening, abusive or unlawful
3. Post, publish, distribute or disseminate material or information that incites discrimination or violence towards any person or group on accounf of their race, religion, disability, sexual orientation, nationality or otherwise;
4. Threaten, abuse, disrupt or otherwise violate the legal rights (including rights of privacy) of others;
5. Use any information or material in any matter that infringes any copyright, trademark or other proprietary right;
6. Upload files that contain a virus, trojan or corrupt data that may damage the operation of the computer or property of another;
7. Impersonate another person or entity for the purpose of misleading others;
8. Violate any applicable laws or regulations;
9. Use the Website in any manner that could damage, overburden or disable the Website
10. Attempt to gain unauthorised access to the Website, computer systems, accounts through hacking, password mining or other means;

4. Termination

Equity Release Scotland has the right to terminate your access to the Website at any time, without notice, for any reason.

5. Links To Third Party Websites

The Website may include links to third party websites that are controlled and maintained by others. Any external links are not an endorsement of these websites and you acknowledge and agree that Equity Release Scotland is not responsible for the content or availability of such websites.

6. International Use

The purpose of the Website is for UK residents and businesses only.

7. Intellectual Property Rights

The Website and it's content (including the design, text, graphics and source code) are protected by copyright, trade marks and other intellectual property rights and laws. In accessing the Website, you agree that you will access the contents solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder.

8. Indemnity

You agree to indemnify and hold Equity Release Scotland and all of its employees and agents harmless from and against any breach by you of these Terms and Conditions. Any claim or demand brought against Equity Release Scotland by any third party arising out of your use of the Website and it's content including without limitation, all claims, actions, proceedings, losses, damages, liabilities, costs, expenses (including legal costs & expenses) suffered or incurred by Equity Release Scotland in consequence of your breach of these Terms & Conditions

9. Disclaimers And Limitation of Liability

9.1 Use of the Website is at your own risk. The Website is provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

9.2 To the extent permitted by law, Equity Release Scotland will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website/Services.

9.3 Equity Release Scotland makes no warranty that the Website/Services will meet your requirements, that the Content will be accurate or reliable, that the functionality of the Website/Services will be uninterrupted or error free, that defects will be corrected or that the Website/Services or the server that makes them available are free of viruses or anything else that may be harmful or destructive.

9.4 Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Equity Release Scotland for death or personal injury as a result of the negligence of Equity Release Scotland or that of its employees or agents.

9.5 Nothing in these Terms and Conditions shall affect your statutory rights as a consumer.

10. Severance

If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the law of Scotland and you hereby submit to the exclusive jurisdiction of the Scottish courts.