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

1. Introduction

1.1 Website usage agreement between Pharos Mortgage Services Limited and the user.

1.2 Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read these carefully.

1.3 This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.

2. Use of Content

2.1 Throughout our website, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial context with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies.

2.2 We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated.

2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside of our control.

2.4 We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement.

2.5 If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material.

2.6 You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action.

2.7 Any rights not expressly granted in these terms are reserved. 

3. Changes

3.1 We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions from the time you next access the site.

3.2 No purported modification of these conditions will be effective until we countersign it.

4. Downloads

4.1 You must ensure that any software downloaded from the internet to your computer is suitable for use on your computer and that it is virus free. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer.

5. Disclaimer

5.1 The information on this site is provided on an 'as is' and 'as available' basis. We try to ensure, but do not guarantee or warrant, the accuracy or completeness, availability or reliability of the information on our website. Our aim is to keep this information timely and accurate. If errors are brought to our attention, we will try to correct them.

5.2 We exclude any warranty, express or implied, as to the quality or fitness for a particular purpose of any of the content on this site.

5.3 We reserve exclusive right at our sole discretion to alter, limit or discontinue part of this site. Under no circumstances shall we be liable for any loss, damage, liability or expense suffered which is claimed to result from the use of this site, including without limitation, any fault, error, omission, interruption or delay. Use of this site is at the user's sole risk.

5.4 We make every effort to minimise disruption caused by technical errors. However, some date or information on our site may have been created or structured in files or formats, which are not error-free, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. We accept no responsibility with regards to such problems (failure of performance, computer virus, communication line failure, alteration of content,etc) incurred as a result of using this site or any link to external sites.

5.5 The materials on this site do not constitute medical, financial or other professional advice. You should consult an appropriate professional for specific advice tailored to your situation.

5.6 Users specifically acknowledge and agree that we are not liable for any conduct of any other user.

5.7 By accessing this site you agree that we will not be liable to you or any third party for any errors or delays in the site or for any actions taken in reliance on it. You also agree that, to the full extent allowed by applicable law, we will not be liable for any direct, indirect or consequential loss or any losses that were actually unforeseeable by us arising from the access or use of the site or from your access or use of other material on the internet via web links for this site. We do not seek to limit liability in respect of fraudulent misrepresentation nor in respect of death or personal injury directly caused by our negligence.

5.8 We reserve the right to deny at our sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.