Terms of Use

Terms of Use

1. Terms of Use
Access to and user of this site is provided by Lateral Money subject to the following terms:
1.1 By using this website you agree to be legally bound by these terms, which shall take effect immediately on your first use of the site. If you do not agree to be legally bound by all the following terms please do not access and/or use the site.
1.2 We may change these terms at any time by posting changes online. Please review these terms regularly to ensure you are aware of any changes. Your continued use of this website after changes are posted means you agree to be legally bound by these terms as updated and/or amended.
 
2. Ownership, Copyright and Intellectual Property Rights
2.1 Unless otherwise stated, Lateral Money own the copyright and any other rights in all material on this site. This copyright and other rights do not extend to graphics that may be publicly available.
2.2 You may print and download extracts from this site on the following conditions:
2.2.1 the documents and related graphics on this site are for personal non-commercial use only; any copies of these pages that you save to disk or to any other storage medium may only be used for subsequent personal viewing purposes and to print extracts for personal use;
2.2.2 no documents or related graphics on this site are to be modified in any way;
2.2.3 graphics on this site are not to be used separately from the accompanying text; and
2.2.4 our copyright notice (ie ? Lateral Money) must appear in any copies that you make.
2.3 You may not modify, copy, distribute, transmit, display, revise, perform, reproduce, publish, license, deep-link, create derivative works from, transfer, or sell any information or content obtained from this Site unless expressly authorised by Lateral Money.
2.4 Any rights not expressly granted in these terms are reserved.
 
3. Service Availability
3.1The Site is made available to you by Lateral Money. Whilst we make every effort to ensure that the Site is available, we do not represent, warrant or guarantee in any way that there is continued availability at all times or of uninterrupted use by you of the Site. Further we reserve the right to suspend or cease the operation of the Site from time to time at its sole discretion.
 
4. Disclaimers and limitation of liability
4.1 We try to ensure that the information on this site is correct, but we do not give any express or implied warranty as to its accuracy. You agree that your use of the Site is on an "as is" and "as available" basis. We do not accept any liability for satisfactory quality, completeness, up-to-datedness, fitness for a particular purpose, non infringement, omission, compatibility, security and accuracy.
4.2 We are not liable for any of the following losses or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury or reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of this site regardless of the form of action.
4.3 Part of this site may contain material sent to us by third parties. These third parties are responsible for ensuring that the material they submit to us complies with national and relevant foreign law. We are not responsible for any error, omission or inaccuracy in the material. We reserve the right to omit, suspend or edit any material submitted.
4.4 The materials on this site do not constitute financial or other professional advice. You should consult your professional adviser if you require financial advice.
4.5 This website offers links to other sites - they enable you to leave the Lateral Money site. We do not control the linked sites and we are not responsible for the contents of any linked site or any link in a linked site, or any changes or updates to such sites. We are not responsible for webcasting or any other form of transmission received from any linked site. We provide these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site.
4.6 Nothing contained in these terms shall be construed as conferring any license or right to use any trademark, patent, design right or copyright of Lateral Money or any other third party.
 
5. Misuse
5.1 All data held on the Lateral Money host computer system is private property. Access to the data is only available for authorised users and purposes. Unauthorised entry contravenes the Computer Misuse Act 1990 and may incur criminal penalties as well as damages.
5.2 You are responsible for ensuring that your use of the Site is consistent with all applicable laws and regulation. Lateral Money reserves the right to prevent or suspend your access to the Site if you do not comply with any part of these Terms and Conditions or any applicable law.
 
6. Scope of this site
6.1Lateral Money is an independent marketing website and not a mortgage lender or broker. We do not sell or recommend mortgages. We will pass your enquiry to one of our partners who will call you to discuss your requirement. They will advise you of the service they provide and the products that will fit your circumstances. This will be an FSA approved mortgage intermediary. Please read our privacy policy for details on how we will protect you confidential data.
 
7. General Terms
7.1 These terms and conditions are governed and construed in accordance with the laws of England and Wales and you consent to the exclusive jurisdiction of the courts of England.
7.2 Should any part of these terms and conditions for any reason be declared invalid or unenforceable by a court of a competent jurisdiction, it shall be deemed to be deleted without affecting the remaining provisions.
7.3 The Site is intended for and directed at the residents over the age of 18 of the United Kingdom
7.4 If you are in breach of any of these terms and conditions, you agree to indemnify and hold Lateral Money harmless in respect of any costs, expenses, claims, proceedings, actions, losses, damages or liabilities incurred by Lateral Money in relation to or arising from such a breach.
 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE The overall cost for comparison is 7.0% APR. The actual rate payable will depend on your circumstances. Please ask us for a personalised illustration. A fee is chargeable only on completion, typically 2% of the loan amount depending on your circumstances (subject to a minimum of (£1,995 and maximum of (£2.995). For a mortgage of (£100,000 the fee would be (£2,000. Early repayment charges may apply and will vary depending on the mortgage. Adding existing debt to your mortgage will increase both the repayment term and the overall cost.
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