By accessing and using this Website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the site. Your continued use of the Website constitutes your acceptance of these terms and conditions. These Terms of Use govern your use of the site and any content (such as text, data, information, graphics, or photographs) that Home Equity Compare, c/o KAPE TECHNOLOGIES (CYPRUS) LIMITED (the “Company”) may provide through the site (collectively, “Materials”).
The information on the Website is for general information purposes only. We are not a mortgage broker, finance institution, or other licensed operator. The content and opinions expressed on the Website and in any corresponding comments are the personal opinions of the original authors, not of the Company. We do not offer loans or insurances ourselves but only allow users to find lending and insurance partners that may offer them a loan or insurance.
Your use of the Website constitutes a legal agreement between you and the Company and is subject to the terms of that agreement as stated in these Terms of Use. You acknowledge and agree that the Company may modify, suspend, or discontinue (permanently or temporarily) providing the Website to you or to users generally, at the Company’s sole discretion, without prior notice to you. You agree that the Company shall not be liable to you or any third party for any such modification, suspension, or discontinuance of the Website. Any such modifications or amendments shall take effect upon posting to the website. Accordingly, we recommend that you revisit these terms of use on a regular basis.
The content is provided for informational purposes only and is not meant to be an endorsement or representation by the Company or any other party. You understand that all information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your use of, the Website are the sole responsibility of the person from which such content originated. You understand and acknowledge that the Website may be protected by intellectual property rights which are owned by the Company or by other entities. You may not modify, rent, lease, loan, sell, distribute or create derivative works based on the Website, either in whole or in part, unless you have been specifically told that you may do so by the Company or by the owners of rights to content of the Website, in a separate agreement.
Use of Website
You may only use the Website if you are above 18 years old. We do not support or allow the use of the Website by minors.
THE COMPANY authorizes you to use the Website only for your own personal, non-commercial purposes. Use of the Website for any public or commercial purpose (including, without limitation, on another site or through a networked computer environment) without an express written agreement with THE COMPANY is strictly prohibited. If you make copies of any of the Materials, you must retain on any such copies all copyright and other proprietary notices contained in the original Materials. You may not modify, publicly display, publicly perform, or distribute the Materials. As between you and THE COMPANY, THE COMPANY owns the Website. The Website is protected under UK and international copyright laws. Any unauthorized use of the Website may violate copyright, trademark, and other laws.
You agree to use the Website only for purposes that are permitted by (a) the Terms of Use and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions. You specifically agree not to access (or attempt to access) the Website through any automated means (including use of scripts or web crawlers). You agree that you will not engage in any activity that interferes with or disrupts the Website. Unless you have been specifically permitted to do so in a separate agreement with THE COMPANY, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Materials for any purpose. You agree that you are solely responsible for (and that THE COMPANY has no responsibility to you or to any third party for) any breach of your obligations under the Terms of Use and for the consequences (including any loss or damage which THE COMPANY may suffer) of any such breach.
THE COMPANY reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all content from the Website.
Access
You are responsible for keeping your Website password confidential and for all activities that occur under your password. If you believe there has been unauthorized use of your password or a breach of security related to the Website, please notify THE COMPANY immediately. THE COMPANY may require you to change your password if it believes your password is no longer secure.
Prohibited Use
You agree to refrain from using the Website in the following ways: (a) violating any applicable laws, regulations, rules, orders, treaties, or other legal provisions; (b) infringing upon the rights of third parties; (c) impersonating any individual or entity, or misrepresenting your affiliation with any person or entity; or (d) disrupting or interfering with the Website, its servers, or connected networks. Additionally, you agree not to: (1) employ data mining, robots, or similar methods for gathering or extracting data from the Website; or (2) attempt unauthorized access to any part of the Website, or other accounts, computer systems, or networks linked to the Website, whether through hacking, password mining, or other means.
Termination
THE COMPANY reserves the right to terminate, suspend, or modify your registration with, or access to, all or part of the Website, without notice, at any time and for any reason. You may discontinue your participation in and access to the Website at any time. If you breach any of these Terms of Use, your authorization to use the Website automatically terminates and you agree to immediately destroy any downloaded or printed content obtained from the Website (and any copies thereof).
Disclaimers
The site is provided “as-is” and “as available,” and we expressly disclaim any warranties and conditions of any kind, whether express or implied, including the warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. We make no warranty that the covered sites will meet your requirements, be available on an uninterrupted, timely, secure, or error-free basis, or be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe.
Due to the inherent nature of the internet, we cannot guarantee that information transmitted through the internet or while stored on our system or otherwise in our care will be absolutely safe from intrusion by others, such as hackers. We assume no liability for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft, or destruction or unauthorized access to, or alteration of, any user content. We are not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, or failure of any email due to technical problems or traffic congestion on the internet or on any of the covered sites or combination thereof, including any injury or damage to users or to any person’s computer related to or resulting from participation in any activities on the covered sites or downloading materials. You understand that if you download any material, you do so at your sole risk. Under no circumstances shall we be responsible for any loss or damage, including personal injury or death, resulting from use of the covered sites, any content posted on or through the covered sites, or conduct of any users of the covered sites, whether online or offline.
Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.
Please make sure to review other disclaimers found in the websites such as for reviews, ownership, affiliates, etc.
Limitation of Liability
The Company will not be liable for (a) any indirect, special, consequential, punitive, or exemplary damages or (b) any damages whatsoever in excess of one thousand United States (US$1,000.00) dollars (including, without limitation, those resulting from loss of revenues, lost profits, loss of goodwill, loss of use, business interruption, or other intangible losses), arising out of or in connection with the website (including, without limitation, use, inability to use, or the results of use of the website), whether such damages are based on warranty, contract, tort, statute, or any other legal theory and even if any the Company party has been advised (or should have known) of the possibility of such damages.
User Submissions
Certain areas of the Website may allow you to submit feedback, messages, or other materials (each, a “User Submission”). While THE COMPANY may, but is not obligated to, pre-screen User Submissions or monitor any area of the Website where User Submissions may be submitted, you acknowledge that you are solely responsible for all of your User Submissions.
THE COMPANY is not required to host, display, or distribute any User Submissions on or through the Website and reserves the right to remove or refuse any User Submission for any reason at any time. THE COMPANY is not responsible for any loss, theft, or damage of any kind to any User Submissions. Furthermore, THE COMPANY does not want to receive any User Submission that is confidential. You understand and agree that any User Submission will be considered non-confidential and non-proprietary, and THE COMPANY will be free to disclose your User Submission to any third party without any obligation of confidence on the part of the recipient.
By submitting any User Submission, you represent and warrant that:
- Any content you upload will be your own and free of plagiarism.
- It will be respectful and free of profanity, in good taste, and free of inappropriate language promoting illegal activities, bigotry, racism or discrimination based on race, gender or sexual orientation, religion, nationality, disability or age.
- The content you upload will not infringe upon any rights of third parties.
Privacy
We are dedicated to safeguarding the privacy of our users. Therefore, we handle and store user data solely for the purpose of providing and enabling the Services. For more information about our data practices, please review our Privacy Policy.
Links to Third-Party Websites
Some links on the Website may direct you to third-party sites. These links are provided solely as a convenience to you. If you choose to use these links, you will leave the Website. THE COMPANY is not obligated to review such third-party websites, does not control them, and is not responsible for any third-party websites or their content (including the products, services, or content available through them). Therefore, THE COMPANY does not endorse or make any representations about such third-party websites, the information, software, products, services, or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to from THE COMPANY Network, you do so entirely at your own risk.
Procedure For Making Claims of Infringement
THE COMPANY is committed to respecting the intellectual property rights of others. Therefore, THE COMPANY has a policy of removing User Submissions that violate copyright law, suspending access to the Website (or any portion thereof) for any user who uses the Website in violation of copyright law, and terminating the account of any user who uses the Website in violation of copyright law in appropriate circumstances. In accordance with applicable law, THE COMPANY has implemented procedures for receiving written notification of claimed copyright infringement and for processing such claims. If you believe your copyright or other intellectual property right is being infringed by the Website, please provide written notice to the following address for notice of claims of infringement:
Home Equity Compare
c/o Kape Technologies (Cyprus) Limited
Email: support@homeequitycompare.com
Or via our contact page: Contact Us
Your written notice must:
- (a) contain your physical or electronic signature;
- (b) identify the copyrighted work or other intellectual property alleged to have been infringed;
- (c) identify the allegedly infringing material in a sufficiently precise manner to allow THE COMPANY to locate that material;
- (d) contain adequate information by which THE COMPANY can contact you (including postal address, telephone number, and e-mail address);
- (e) contain a statement that you have a good faith belief that use of the copyrighted material or other intellectual property is not authorized by the owner, the owner’s agent or the law;
- (f) contain a statement that the information in the written notice is accurate; and
- (g) contain a statement that you are authorized to act on behalf of the copyright or other intellectual property right owner.
Electronic Communications
By visiting the Site or sending e-mails to THE COMPANY, you are communicating with THE COMPANY electronically. THE COMPANY may respond to you by e-mail or by posting notices on the Site. You agree that all such notices, disclosures, and other communications that THE COMPANY provides to you electronically satisfy any legal requirement that such communications be in writing.
General
These Terms of Use represent the complete and final agreement between you and THE COMPANY regarding the subject matter discussed herein, superseding any prior agreements or negotiations between you and THE COMPANY on the same subject.
These Terms of Use are governed by the laws of England, without regard to conflict of laws principles, and the parties hereby submit to the exclusive jurisdiction of the Courts of London, England.
You may not transfer or assign these Terms of Use or any rights or licenses granted hereunder. THE COMPANY, however, may assign these Terms of Use without any restrictions.