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Website Terms of Use

Last Updated: October 2023

Version: 1.0

1. Introduction

Welcome to equisure.co.uk (the “Website”). This Website is owned and operated by Equisure UK Limited (“we”, “us”, or “our”).

By accessing, browsing, or using this Website, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you must not use our Website.

Important Distinction: These Terms of Use govern the use of this website. They are distinct from our Initial Disclosure Document (IDD) or Client Agreement, which govern our regulated financial advice services.

2. Regulatory Information

Equisure UK Limited is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).

  • Equisure UK Limited: FCA Reference Number 1044787.
  • Cornerstone Finance Group Ltd: FCA Reference Number 767202.

You can check these details on the Financial Services Register by visiting the FCA’s website at https://register.fca.org.uk/

3. No Financial Advice

The content provided on this Website, including any calculators, blogs, guides, and product descriptions, is for general information and educational purposes only.

  • Not Personal Advice: Nothing on this Website constitutes financial, investment, legal, or tax advice. The information does not take into account your personal circumstances, financial situation, or needs.
  • Do Not Rely: You should not rely on the information on this Website as the sole basis for making any financial decision.
  • Seek Professional Advice: We strongly recommend that you speak with one of our qualified equity release advisers before proceeding with any financial product. Our advisers will complete a full fact-find to ensure any recommendation is suitable for you.

4. Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it (including but not limited to text, graphics, logos, images, calculators, and software). Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may:

  • Print off one copy, and may download extracts, of any page(s) from our Website for your personal, non-commercial use.

You must not:

  • Modify the paper or digital copies of any materials you have printed or downloaded.
  • Use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.
  • Use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us.

5. Acceptable Use

You may use our Website only for lawful purposes. You must not use our Website:

  • In any way that breaches any applicable local, national, or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • To knowingly transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, or any other harmful programs.

6. Accuracy of Information

We make reasonable efforts to update the information on our Website. However, equity release products, interest rates, and tax laws change frequently. Therefore, we make no representations, warranties, or guarantees, whether express or implied, that the content on our Website is accurate, complete, or up to date at the moment you view it.

7. Limitation of Liability

Our Services: Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any financial services (advice) to you, which will be set out in our Client Agreement/IDD.

The Website: To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our Website or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • Use of, or inability to use, our Website; or
  • Use of or reliance on any content displayed on our Website.

8. Viruses and Linking

  • Viruses: We do not guarantee that our Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology to access our Website and should use your own virus protection software.
  • Linking: 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. 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.

9. Governing Law

These Terms of Use, 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.

10. Company Details

Equisure UK Limited

  • Registered Office: 1st Floor Spitalfields House, Stirling Way, Borehamwood, Herts, United Kingdom, WD6 2FX.
  • Company Registration Number: 16516081.

Principal Firm: Cornerstone Finance Group Ltd

  • Registered Office: Unit E, Copse Walk, Pontprennau, Cardiff, CF23 8RB.
  • Company Registration Number: 08458702.