Privacy Policy

This website is used to help you to select products and services to meet your individual needs. For some of these products we must obtain certain information from you about your personal and financial circumstances.

The information that you give us will then be passed by us to potential providers and researchers who will use that information and respond with the terms they are prepared to offer.

The law requires us to have your consent before we use any personal information you give us or pass on to any third parties connected with Homeowners Advice Centre Ltd in order to deal with your requirements properly in utilising our services you agree that:

 

1) The information we hold about you can be held on computer and/or paper files.

2) Any information that you give us, including sensitive personal data such as health and medical records, may be disclosed to selected third parties (e.g. product providers and fraud prevention agencies) for the purposes of processing your application.

3) We may use the information that we can hold about you to contact you from time to time by post, fax, e-mail or telephone to bring to your attention additional products or services, which may be of benefit to you.

4) Although we will try to obtain the most competitive product for you we will not send your personal details outside the European Union, Channel Islands or the Isle of Man.

5) We (and any third party to whom we have passed your information with your consent) may use the information that we, or they, hold about you to contact you from time to time by post, fax, e-mail or telephone to bring to your attention additional products or services which may be of benefit to you. We may track the pages visited on this website to bring you such further information.

6) We agree that any consent given by you, may be withdrawn by you at any time by contacting us in writing. You have the right, at any time, to contact us and ask for a copy of the information that we hold about you. You may be charged a fee for this.

Terms & Conditions of use

Please read through these terms & conditions ("the Terms") carefully.

By accessing any Homeowners Advice Centre Ltd website ("the Site") or by otherwise accessing any content, software, products or services available through the Site ("the Content"), you are deemed to have entered into an agreement with Homeowners Advice Centre, Visuality Properties Ltd. or a nominated agent ("Homeowners Advice Centre Ltd") and to have agreed to be bound by the Terms set out below. The Site is owned and operated by Homeowners Advice Centre Ltd.

1. Intellectual Property Protection
The term "Intellectual Property Rights" means, copyrights, database rights, trade marks, trade names, domain names, rights in logos, get-up and content, inventions, trade secrets and know-how, patents, all rights of whatever nature in computer software and data, all rights of privacy and all intangible rights and privileges of a nature similar to any of the above, in every case in any part of the world and whether or not registered; and including all granted or pending registrations, and all rights to make applications for registration in respect of any of the same.

All Intellectual Property Rights in the Content and design of the Site and any material emailed to you or otherwise supplied to you in conjunction with our online products are the property of Homeowners Advice Centre Ltd. You may not use or reproduce any Homeowners Advice Centre Ltd Intellectual Property, including any trademarks, registered or unregistered,  for any reason without written permission from Homeowners Advice Centre Ltd.

The software, which operates the Site, is proprietary software and you may not use it except as expressly allowed under these Terms. You may not copy, reverse engineer, modify or otherwise deal with the software.

2. Use of Homeowners Advice Centre Ltd Content
You may retrieve and display Homeowners Advice Centre Ltd Content on a computer screen or mobile telephone, print individual pages on paper (but not photocopy them) and store such pages in electronic form for your personal, non-commercial use. If you do download material from the site all copyright and other notices must be kept intact.

Except as expressly set out above, you may not reproduce, modify or in any way commercially exploit any of the Content of the Site. In particular, you may not do any of the following without prior written permission. No parts of any Homeowners Advice Centre Ltd publication or Site may be reproduced, stored in or introduced into any retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise without the prior written permission of the copyright owners. You may not reverse engineer, modify, decompile, disassemble or translate the Content (whether for the purpose of error correction or otherwise). You may not display the Content on a public bulletin board, ftp site, website, chat room or by any other unauthorized means. Written materials provided in printed or electronic form may not be modified, adapted, translated, or used to create derivative works without the prior written consent of Homeowners Advice Centre Ltd.

Any use of Homeowners Advice Centre Ltd Content not specifically permitted above is expressly prohibited. Requests for permission for other uses may be sent to Homeowners Advice Centre Ltd., 130, Quebec Buildings, Bury Street, Manchester. M3 7DU, United Kingdom, or by email to canIuseyourcopy@HomeownersAdviceCentre.co.uk and may be subject to a fee.

3. Licence Fee, Payment, and Transactions
Access to certain Homeowners Advice Centre Ltd Content may be subject to a fee or subscription. All payments (including applicable taxes) must be made in advance in a currency specified by Homeowners Advice Centre Ltd. You are responsible for the payment of all charges associated with the use of the Site using your Username, Password or ID.

There may be from time to time opportunities to use the Site to purchase products or services from third party suppliers. In that event, your contract for such products will be with the third party provider and not with Homeowners Advice Centre Ltd.

All refunds that relate to Homeowners Advice Centre Ltd products or services are at the discretion of Homeowners Advice Centre Ltd. Any product specific offers, conditions or terms are stated at the point of purchase for that product.

4. Terms and Termination
Homeowners Advice Centre Ltd may, at its discretion, terminate or suspend individual or group access to all or part of the Site (including any right to access and use Homeowners Advice Centre Ltd Content) with or without cause by delivering notice to you. The rights of termination are in addition to all other rights or remedies of Homeowners Advice Centre Ltd provided in these Terms or by law.

5. Changes to the Site
Homeowners Advice Centre Ltd reserves the right, in its discretion, to suspend, change, modify, add or remove portions of Homeowners Advice Centre Ltd Content available on the Site at any time and to restrict the use and accessibility of the Site.

6. Registration, Passwords and Responsibilities
Some parts of the Site require registration. You are solely responsible for the confidentiality and use of and access to the Homeowners Advice Centre Ltd Content and Site using your username, password or ID. You agree to immediately notify Homeowners Advice Centre Ltd if you become aware of any loss or theft of any username, password or ID or any unauthorised use of a username, password, ID, or any other login details. Homeowners Advice Centre Ltd reserves the right to monitor and record activity on the Site, including access to Homeowners Advice Centre Ltd Content.

7. Privacy Policy
Homeowners Advice Centre Ltd maintains a high level of privacy and security for your details. View our online Private Policy

8. No Warranty, Disclaimer of Liability and Indemnity
Whilst every effort has been made to ensure the high quality and accuracy of the Site, Homeowners Advice Centre Ltd makes no warranty, express or implied concerning the Content of the Site, which is provided "as is". Homeowners Advice Centre Ltd expressly disclaims all warranties, including but not limited to warranties of fitness for a particular purpose and warranties of satisfactory quality. In no event will Homeowners Advice Centre Ltd, its affiliates or other suppliers be liable for direct, special, incidental, or consequential damages (including, without limitation, damages for loss of business profits, business interruption, loss of business information or other pecuniary loss) arising directly or indirectly from the use of (or failure to use) or reliance on the Content, even if Homeowners Advice Centre Ltd has been advised of the possibility that such damages may arise. Homeowners Advice Centre Ltd does not guarantee the accuracy or timeliness of the Content appearing on the Site, or that the Site or related systems are free from viruses or other contaminating or destructive properties. In the event that Homeowners Advice Centre Ltd incurs any liability whatsoever, the aggregate liability shall not exceed the amount that you originally paid for the service. Except in respect of fraudulent misrepresentation, this Agreement together with any order form and payment method instructions set forth the entire agreement and understanding of the parties relating to the subject matter herein. Any prior written or verbal agreements are superseded by this Agreement.

9. Force Majeure
Homeowners Advice Centre Ltd, its affiliates and its information providers will not be liable or deemed to be in default for any delay or failure in performance or interruption of the delivery of Homeowners Advice Centre Ltd Content resulting directly or indirectly from any cause or circumstance beyond its or their reasonable control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorised access, theft, operator errors, severe weather, earthquakes or natural disasters, strikes or other labour problems, wars, or governmental restrictions.

10. Links To Third Party Websites
The Site may contain links and pointers to Internet sites maintained by third parties. Homeowners Advice Centre Ltd does not operate or control in any respect any information, products or services on such third party sites. Links are provided solely for your convenience, and do not constitute any endorsement by Homeowners Advice Centre Ltd and/or its suppliers. You assume sole responsibility for use of third party links and pointers.

11. Miscellaneous

Changes to these Terms
Homeowners Advice Centre Ltd may, at its discretion, change these Terms (including those relating to your use of the Site and/or the Homeowners Advice Centre Ltd Content). When the Terms are changed, Homeowners Advice Centre Ltd will notify you by email or by publishing details of those changes by including them in these Terms.

Rights of reply
If at any time you, or your organisation, have a complaint or comment to make about the Content featured within the Site they should contact the editor of the Site at editor@HomeownersAdviceCentre.co.uk .

Advertising and Third Party Content
Parts of the Site may contain advertising or other third party content. Advertisers and other content providers are responsible for ensuring that material submitted for inclusion on the Site complies with international and national law. Homeowners Advice Centre Ltd is not responsible for any third party content or error, omission or inaccuracy in any advertising material.

Invalid Provision
If any provision of this agreement is held to be invalid by a court of competent jurisdiction, Homeowners Advice Centre Ltd shall amend the invalid provision in such reasonable manner as achieves the intention of the parties without illegality, or at Homeowners Advice Centre Ltd's discretion such provision may be severed from this agreement and the remaining provisions shall nevertheless remain in full force and effect. Any cause of action of yours with respect to these Terms must be filed in a court of competent jurisdiction in England and Wales.

12. Governing Law and Jurisdiction

These Terms shall be governed by, and construed in accordance with, English law. The parties irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute, which may arise out of, under, or in connection with these Terms or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts.

What would you like to do now? Choose from the following list.

• Click here to launch our Online Advice Service (free advice from a debt advisor via email - anonymously if you want)
• Click here to see a list of all of the services we offer
• Click here to see our Frequently Asked Questions (FAQ's) or our Glossary
• Click here to see what our customers say about us
• Click here to view our online Debt Reduction Resource Centre packed with articles, fact-sheets and guides to reducing or eliminating debt

 Remember - we never charge you a fee - we make our money from your successful solution.

Need any other kind of FREE advice? Just give us a call! We will happily discuss any aspect of debt that may be worrying you. *We will pay you £200 in cash if can't provide you with a viable solution within 30 days.

Copyright © 2007 Homeowners Advice Centre. All rights reserved. As individual's circumstances vary, the advice on this website may not be suitable for your situation. Please request a consultation before pursuing any route described here. Information correct at time of publication. Website Design by...