5. Web site content
The content of this web site should be viewed and taken as general information on mortgages and loans and on the service that can be provided through our internet introduction service.
We are not authorised to provide financial advice or to conduct investment business. Information on this site is of a general nature and is for general use only. In particular, the information does not constitute advice and should not be used, construed or relied upon as such. If you are in any doubt in respect of any financial decision, you should seek a second opinion from a suitably qualified and regulated financial advisor. No warranties, promises and / or representations of any kind, express or implied, are given as to the nature, standard, accuracy or otherwise of the information provided in this web-site nor to the suitability or otherwise of the information to your particular circumstances.
We do not provide advice on which product is most suitable for you. Should you access a financial advisor via this web-site, no warranties, promises and / or representations of any kind, express or implied, are given by us as to the nature, standard, accuracy or otherwise of the information or advice you may receive from the financial adviser.
Your access to this site and the information therein is conditional upon your acceptance of these terms and conditions.
6. Access to the Website and its content
i) We will endeavor to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time.
ii) We reserve the right to change, modify, substitute, suspend or remove without notice any information or services on the Website from time to time.
iii) We assume no responsibility for the content or services of any other websites to or from which this Website has links.
7. Intellectual Property
i) The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, logo's, branding and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
8. Third Party Links
i) This web-site provides links to other web-sites owned by third parties. The content of such third party sites is not in our control and we will not take any responsibility for the information, products or other content thereon. Links to such third party sites are not to be taken as an endorsement of the third party site, or any products promoted, offered or sold on the third party site nor that such sites are free from computer viruses or anything else that has destructive properties. We do not take any responsibility for the collection or use of personal data by any third party sites and we shall not be liable for any loss or damage of whatsoever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise as a result of your dealing with these third parties.

ii) This web-site may contain advertisements for third parties. We will not accept responsibility for the accuracy of third party advertisements. If you have any problem with the material submitted on the third party advertisements and or the product or services advertised then you must take that up with the third party advertiser.
iii) We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own terms and conditions and you should check that you agree to those terms and conditions before making an application.

Clause 8 does not affect your Statutory Rights as a consumer.
9. Your Responsibility
i) This web-site is designed for UK use only, and you are responsible for ensuring that you, and anyone else who may use your computer, satisfy that requirement. You should be aware that, in some geographic locations it may be an offence to apply for products accessible through this web-site from outside of the user's geographic area.

ii) You are totally responsible for the accuracy of the data that you input into any enquiry or application form.

iii) You are responsible for ensuring that any email or postal address you provide us with for communications purposes is secure and suitable to receive information that may be provided to you from this site or our partners.

iv) You are responsible for the accuracy of the address information provided to enable communication with you during the transaction process. You must tell us if any of your address details change during the advice process.

v) If you send a letter or email to us, you should not assume that we have received it until you have received a response or reply from us.

vi) You should be aware that we may record or monitor our telephone calls to check any instructions or monitor our service standards.
10. Exclusion of liability.
i) We use reasonable endeavours to ensure that the data on the Website is accurate and we aim to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.
ii) We cannot and will not guarantee that this web-site is free from computer viruses or anything else that has destructive properties.

iii) We shall not be liable for any loss or damage of whatever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise which may arise as a result of your use of (or inability to use) this web-site or from your use of (or failure to use) the information on this site.
iv) Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.
v) We shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the Website for any indirect loss *, consequential loss, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation.

* For losses that were not foreseeable to both parties when the contract was made * For losses that were not caused by any breach on part of the supplier * For business losses and/or losses to non consumers.
vi) Nothing in the terms and conditions of clause 10 excludes or limits our liability for death or personal injury caused by our negligence or willful misconduct , or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA").
vii) Nothing in clause 10 excludes your statutory rights as a consumer however in respect of such rights we would limit our liability to £100 in the aggregate to the fullest extent where that is allowed by law.

11. Changes To These Legal Notices
We reserve the right to alter or amend these legal notices at any time and at our discretion. When terms are changed, they will be displayed here. Each time you visit the web site will be deemed to be a separate usage of the web site and will be subject to the current terms and conditions as displayed on the web site at that time.
12. Choice Of Law And Jurisdiction
i) Access to and use of this web-site is conditional upon your agreement that any issue or dispute in relation to your use of this web-site will be governed by English law and that you agree to submit to the exclusive jurisdiction of the English Courts.

ii) We shall retain the right, for our benefit only, to bring proceedings as to the substance of the matter in the courts of your jurisdiction.
13. General
i) Should you choose to download, print or copy any content from this web-site, you must do so in accordance with these terms and conditions. Such activity is permitted only for personal use and not for commercial gain. Unless expressly stated otherwise on this web-site all other use of the content is expressly forbidden.

ii) You may not assign or otherwise transfer any rights you may accrue under these legal notices.

iii) These terms and conditions are provided only to the extent that they are permitted by law. If any of these terms and conditions are unenforceable in whole or in part, for whatever reason, that exclusion or part exclusion will not affect the validity or enforceability of the remainder of the terms and conditions or part contained herein.
14. Data submitted by you
i) You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.

15. Your telephone calls
I) Telephone calls that you make to the customer service help line may be monitored or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Where we believe that it is appropriate we may display the telephone number of Infinite Mortgage Solutions Limited and or Central Capital as the customer service help line.

16. Complaints
i) Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please write to our Customer Services Team (Complaints Handling) at our address given above, or email the team at mailto:complaints@mortgageintroductionservices.co.uk. Any complaints received will be dealt with in accordance with our complaints procedure.
ii) We will take your complaint / suggestion very seriously, and respond rapidly with a view to resolving any issues you have. Our aim is to respond within five working days at the latest. Depending on the nature of the complaint our initial response may need to be an acknowledgement only where further investigation is required.
iii) In dealing with your complaint we will a) describe in brief the investigation we have carried out and b) provide you with our final response and c) advise you of the person who is dealing with the complaint and d) assure you that your complaint has been brought to the attention of senior management.
iv) Whilst we prefer complaints to be in writing to avoid confusing and to make certain that all aspects of your complaint are dealt with, we would not decline to deal with your complaint simply because you felt that you had no alternative than to make the complaint by phone.
17. Data protection and privacy policy

We are committed to protecting your privacy. Our privacy policy is set out below.
Privacy policy.
• We only collect the personal details and data that you provide us with. We assume and you warrant that you have the authority to provide us with such information even where you are filling in personal data on behalf of someone else. If someone provides personal details on your behalf then we will assume and you shall warrant that they have your authority to do so.
• We assume and you confirm that we have the right to use that data in order to provide you with the services describe on our web site. In most cases that will require us to pass your data to a specific party. The name of that party will normally be advised to you and will be the firm performing the service described by our web site. In some cases we will use a third party firm to locate and select the final service provider.
• We may disclose your details or access your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading, the Financial Ombudsman Service, the Financial Services Compensation Scheme or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.
• We do use cookies on our web site to provide us with web site usage data so that we may further enhance our web site for the benefit of customers and users. This data among other things records who uses the web site, how you found our web site, how you navigated through the web site, if you transacted any business on the web site and how efficient our advertising is.
• We do carry out regular back up of data in order to protect the integrity of our system and service. Your data would be included in that back up. That back up may be stored externally from our own premises.
• By law we are obliged to retain your data for a certain period of time. Also basic business practice requires us to maintain certain data for a reasonable period of time. We do not knowingly store data for periods of time that we believe are either unreasonable or unnecessary.
• This privacy policy only refers to our web site and does not cover any service provider names on our web site or any link either from or to our web site.
• We utilise servers which may be managed and accessed and worked on by other parties. Some of these servers may contain data storage facilities. Such data may include your data.
• Electronic data is the basis of our business and we take what we believe to be reasonable precautions to protect that data. Levels of protections will vary over time and will depend of what is available.
• You are reminded that the internet is an open place and not everyone using the internet has the best of intentions. We only request information that we require in order to provide the service we advertise. We do not and would not request information such as your banking details, credit card details or specific medical information. You are also reminded that E-mails and the like can go astray and you should avoid putting such personal data into any e-mail.
18. Change of service provider.
The internet is a fast moving place and sometimes there may be the need to make a change without being able to fully update the web site or to give you prior notice.
We reserve the right to change the service provider without notice and by using this web site you agree that we may do that.
We would not unreasonably change the service provider without advising you and where we do change the service provider we will try to select a service provider with similar service levels.
Please note that you are under no obligation to use the service provider to whom we introduce you to.
Once you have been introduced to a service provider then your relationship is with that service provider and we would not intervene.
19. Termination
i) We may terminate or suspend your access to the Website and the services within it at any time.
ii) All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
20. General
i) The content of this Website is directed solely at those who access the site from the United Kingdom . We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom .
ii) The Website is for your non-commercial, personal use only and must not be used for business purposes.
iii) If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.
iv) If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.
v) We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications.
vi) Except as set out in the relevant clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.
vii) Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.
viii) On this web site we offer an introductory service and not a continuing service or commitment. Once that introduction has been made our service obligation ends as respects any service we owe to you. We will and do contract with the firms to whom we introduce customers and under such contracts we are obligated to proving a service to them. We reserve the right to receive a fee or commission from them for such service. We therefore advise and you agree that we are under no obligation to you to act as your agent or servant or advisor or broker or arranger or in any other way are we required or obligated or owe you a duty to act on your behalf or in your interests.
21. Governing law

These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.