OUR TERMS OF USE

This page (together with the documents referred to on it) sets out the terms upon which You may make use of Our Website www.smartmovemortgage.co.uk ("Website"). Please read these terms carefully before you start using our Website. If You do not agree with these terms; if You are under 18; or if You are not a UK resident, do not use this Website. By using this Website You indicate that You accept these terms.

If You have any questions about these terms or have a general query, please get in touch. You can find out our contact details by clicking on the this link: Contact Us.

INFORMATION ABOUT US AND OUR WEBSITE

Smartmovemortgage.co.uk is a Website operated by GRF Financial Limited ("We" and "Us"). We are registered in England and Wales under company number 3285027 and have Our registered office at:

GRF Financial Limited

4 Club Lane

Leeds, LS13 1JG

By telephone:01274 659200

By fax:01274 616933

We are independently authorised and regulated by the Financial Services Authority.

The Financial Services authority can be contacted at:
25 The North Colonnade
Canary Wharf
London E14 5HS
Telephone: 0207066 1000
or by visiting their Website www.fsa.gov.uk

The purpose of Our Website is to provide UK consumers ("You") with general information about certain products and services. In other words, it is not Our intention to provide You with financial or other advice or a recommendation to purchase any product or service on Our Website nor is it Our intention to give a comprehensive overview of every product or service available to You. In this respect, it is possible that You might find a better deal elsewhere even though We do seek to ensure the information on Our Website offers You the best value. Should You wish to purchase any product or service presented on Our Website, We strongly recommend that You first obtain independent professional advice.

If any introduction is being made to a financial services company or advisor, where appropriate, We will clearly display the identity of the financial services company or advisor on Our Website.

ACCESSING OUR WEBSITE AND CONTENT

We will always try to provide You with uninterrupted access to Our Website, but We can not make any promises about this and may terminate, suspend or restrict Your access to Our Website at any time.

OUR WEBSITE CHANGES REGULARLY

We make every reasonable effort to ensure that the content available to You on Our Website is up to date and accurate and for this reason We make changes to Our Website on a daily basis. Accordingly it is generally not possible to notify You about any changes that We make to Our Website.

CHANGES TO THESE TERMS AND CONDITIONS

We may need to amend or change Our terms and conditions from time to time. You will still need to agree to them, so You should regularly check this document when You use Our Website. It is important that You do this because if You keep using Our Website, We will assume that You have agreed to any changes that We have made to Our terms and conditions.

These terms and conditions Were last updated on 11th October 2007.

INTELLECTUAL PROPERTY RIGHTS

Smartmove Mortgage is one of Our registered trademarks and You may not use it without Our written permission.

We also own or are the licensee of all intellectual property rights in Our Website. This includes all software We use to run Our Website and all the material published on it. You agree that We make Our intellectual property available to You for Your personal use only. You must not copy, alter, modify, sell, distribute, publish or create a derivative work from any of the materials on Our Website or create any links to it without first obtaining Our written permission.

We will allow You to print off one copy, and download extracts, of any page(s) from Our Website for Your personal use. However if You do this, Our status (and that of any identified contributors) as the authors of material must always be clearly acknowledged.

You retain ownership of all the personal information You submit on Our Website. You grant us a perpetual, world-wide royalty-free licence to use, copy, distribute, publish and transmit such information but always in accordance with Our Privacy Policy which You can find further down in this document.

OUR LIABILITY

We use reasonable endeavours to ensure that the data on Our Website is accurate and that Our service is reliable. Like any other business, We try to correct any errors or omissions in Our Website soon as practicable after being made aware of them. However, We can not provide You with any guarantee about this. We also can not guarantee that Our Website or the data on it will be fault free, uncorrupted or free of viruses which may harm Your computer.

It is important for You to be aware that Our Website also contains a lot of information submitted to us by third parties (that is people or companies other than Us). We do not monitor, verify or endorse information submitted by these third parties for inclusion on Our Website and You should be aware that such information may be inaccurate, incomplete or out of date. In particular, We do not monitor, verify or endorse the information or quotations collected from the third party product and service providers as presented to You on the results page of Our Website.

We do not seek to exclude or limit our responsibilities or liability under any applicable law. This includes Our liability for things such as fraud, negligence, death or personal injury and also the responsibilities We have under certain legislation such as the Financial Services and Markets Act 2000. In all other cases, and to the extent that We are permitted to do so by law, We exclude all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on Our Website. Accordingly, for the avoidance of doubt, any liability for any direct, indirect or consequential loss or damage (including without limitation loss or income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity) incurred by You in connection with Your use, inability to use, or results of the use of Our Website and any materials posted on it or any Websites linked to it is excluded by Us.

YOUR LIABILITY

If You use Our Website, it is reasonable for Us to expect that You will adhere to these terms and conditions. If We think You have breached any of these terms and conditions or demonstrated inappropriate conduct when using Our Website, We may take measures to terminate or suspend Your access to the Website. If Your use of Our Website causes Us to suffer any loss or damage, You shall be responsible for reimbursing these costs.

CUSTOMER SERVICE, COMPLAINTS AND CONTACTING US

Our aim is to at all times to provide You with an excellent service. However, if You are unhappy with Our service for any reason, please contact Our Customer Services Team (Complaints Handling) at Our addresss given above, by telephone on01274 659200or by email atpaul.griffin@smartmovemortgage.co.uk

If You do wish contact us by telephone, Our customer service help line 08000 434040is available Monday to Fridayduring office hours UK Time. Your call to us 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.

We will endeavour to acknowledge receipt of Your complaint, in writing, within 5 business days and We will inform You of the name or job title of the individual handling the complaint. We may combine the acknowledgement of the complaint with Our final response, but in any event We aim to resolve complaints at the earliest opportunity. If You are unhappy with any product or service that You have been introduced to through our Website, We recommend that You approach the provider of that product or service directy. If You require any provider’s contact details, please contact Our Customer Services Team who will be happy to assist.

TRANSACTIONS CONCLUDED THROUGH OUR WEBSITE

Our Website is entirely free to use. However, Our Website contains links to other sites and resources provided by third parties which may offer You products or services for a fee. We provide You with a link to these websites for Your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them.

It is up to You whether or not You choose to obtain products or services from third parties through clicking on a link in Our Website to the Website of a third party. However, if You do decide to do this, then You will be leaving Our Website and Your use of any third party website including any payments You may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. Accordingly we strongly suggest that You also read the terms and conditions of any third party Website that You may access through clicking on a link from Our Website. We remind You that We can not be responsible or liable for the content, advertising, products services or the use You make of any third party Websites.

YOUR PERSONAL INFORMATION AND OUR PRIVACY POLICY

Please read this section carefully. This section explains what information We collect about You, how We collect, use and store it and the circumstances upon which We can provide it to third parties.

Information that We collect from You:
To take advantage of some of the services offered via Our Website You might be required to provide Us with certain information about Yourself. This may include doing things such as registering Your contact details or completing certain forms on Our Website. You may also be asked to provide us with information about Yourself if You wish to participate in any discussion forums, enter any contest or competition on Our Website or if You choose to contact us for any reason.

The nature of Our business is such that We may also on occasion ask You to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to Your health where that information is required in order to provide life insurance quotations). Where We do so, We will request Your explicit consent to the use of such sensitive personal data. Where You consent to provide us with this information We will take appropriate measures to protect such sensitive personal data.

Cookies:
We may also collect information about Your computer, including where available Your IP address, operating system and browser type using a cookie file which is stored in the hard drive of Your computer. Cookies help us to improve Our Website and deliver a better and more personalized service to You. They enable us to:

• personalise Your experience on Our Website, speed up Your searches and help us select services or materials for inclusion on the Website which may be of interest to You;
• monitor general traffic patterns and usage of Our Website to help us to improve Our Website design and lay out.

Most browsers accept cookies automatically, but usually You can alter the settings of Your browser to prevent automatic acceptance. If You choose not to receive cookies, You may not be able to use certain features of Our Website.

Storage of Your personal data:
The personal information that We collect from You may be transferred to and stored outside of the European Economic Area.

As required by the Data Protection Act 1998, We follow strict security procedures in the storage and disclosure of personal information which You have provided via this Website, to prevent unauthorised access. We shall take all reasonable steps to ensure Your personal details remain secure.

Uses made of Your information:
We or third parties acting on Our behalf may use Your Personal Information in the following ways:

• to provide You with information, products or services that You request from us and/or
• to allow You to participate in interactive features of Our service when You choose to do so; and/or
• to contact You by letter, telephone or e-mail to inform You about other products and services which may be of interest to You; and/or
• notify You of Our news, changes to the Website, special events or other services We think may interest You; and/or
• to administer or develop Our Website.

We may also disclose Your personal information to third parties:

• who provide financial products and services relevant to the products or services You have selected on Our Website and/or
• that We think might be of interest to You so that they can also provide You with information about the goods or services that they provide.

We also may need to disclose Your personal information:

• where it is necessary to comply with any applicable laws or to protect Ourselves or Our users (including exchanging information with other companies for the purposes of fraud protection), or
• in the event that We sell Our business, in which case We may disclose Your personal data to the prospective buyer of Our business.

Your Rights:
If You do not agree with this Privacy Policy then You should not enter any of Your personal information on Our Website.

If at any time after You have provided personal information to Us and you want to object to your personal data being used by Us, you need to let Us know by sending an email to us atinfo@smartmovemortgage.co.uk. We will endeavour to process Your request as soon as possible, but in some cases it may take us up to 28 days to process Your request.

Our Privacy Policy applies solely to information collected by Us through Our Website. Please note that We are not responsible for what any third party content provider or other third party offering goods and services via websites linked to or framed around Our Website may propose to do with any personal information that You may provide them. So please ensure that You also read their data protection and privacy terms and conditions very carefully before providing them with your personal information.

Feedback
Questions, comments and requests regarding Our Privacy Policy are Welcomed and should be addressed via email to info@smartmovemortgage.co.uk or to the address shown above.

If any part of these terms are found to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of these terms shall not be affected.

Any failure on Our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of Our Website.

These terms and conditions are governed by and construed in accordance with English law.

Thank You for visiting Our Website.

GUIDANCE NOTES

The following sections form part of the terms and conditions and provide more specific guidance on certain products and services.

Mortgages
The mortgage information available via theApplication In Principal featureon the Website covers both mortgages in respect of a property purchase and mortgages secured on Your property for a purpose other than purchase of that property. For example, this might include a debt consolidation loan or a home improvement loan.

The products displayed on the Website are examples of products currently available. Our selection as it appears on the Website and nothing in these terms and conditions constitutes advice or a recommendation to purchase a particular mortgage product.

We receive commission and fees from certain mortgage lenders who advertise on or are linked to the Website. We retain the commission and fees and We do not charge You for the service We offer via the Website.

Our Application In Principal serviceallows You to compare mortgage products and then links You to the relevant Websites of certain mortgage lenders as appropriate.

Please be aware that it is very important that before You apply for any mortgage product You carefully read the terms of the application form, the terms of the mortgage and any other relevant documentation which applies to the mortgage. You must ensure that the mortgage matches Your requirements and that You agree to the terms of the mortgage before You apply for any mortgage product. We accept no responsibility whatsoever in the event that any mortgage entered into or applied for by You does not meet Your requirements.

In the event that You decide to apply for a mortgage product selected via the Website, the full mortgage documentation and other relevant details should be sent to You by the mortgage lenderor by us where we are engaged to give you advice. It is the responsibility of the mortgage lender to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected where we have not been engaged to act on your behalf.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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GRF Financial Ltd T/A Smartmovemortgage.co.uk is authorised and regulated by the Financial Services Authority and is entered on the FSA register (www.fsa.gov.uk) under reference 300695.

The FSA do not regulate some forms of mortgages.

The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

GRF Financial Ltd: Registered in England: Company No: 420998

For advice on any of the above, Contact Us now.