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Welcome to Emortage (“we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your use of our website emortage.com (the “Website”). By accessing or using our Website, you agree to these Terms. If you do not agree, please do not use our Website.

1. Who We Are

Emortage provides mortgage insurance services in the UK and operates in compliance with UK financial regulations.

Company Address:
20 Farringdon Street,London EC4A 4AB, United Kingdom

Contact Information:
Phone: +44 20 3868 1200
Email: [email protected]

2. Use of the Website

  • You must be at least 18 years old to use our services.
  • The Website is intended for informational purposes only and does not constitute financial or legal advice.
  • You agree not to use the Website for any illegal or fraudulent activities.
  • We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.

3. Financial Disclaimer

  • The information on this Website is for general informational purposes only and should not be considered professional financial advice.
  • Mortgage insurance products and services are subject to eligibility criteria and approval by third-party providers.
  • You should always seek independent financial advice before making decisions regarding mortgage insurance.

4. Intellectual Property Rights

  • All content on this Website, including text, graphics, logos, and software, is owned or licensed by Emortage and is protected under copyright laws.
  • You may not copy, reproduce, modify, distribute, or use any content without our prior written consent.

5. User Responsibilities

  • You agree to provide accurate and truthful information when using contact forms or applying for services.
  • You must not attempt to gain unauthorized access to our systems or engage in any activity that could harm the Website.

6. Privacy and Data Protection

  • We collect and process your personal data in accordance with our Privacy Policy.
  • By using our Website, you consent to our data collection and cookie usage as described in our Cookie Policy.

7. Limitation of Liability

  • We do not guarantee that the Website will be error-free, uninterrupted, or secure at all times.
  • To the maximum extent permitted by law, we are not liable for any direct, indirect, or incidental damages resulting from your use of this Website.

8. Third-Party Links and Services

  • The Website may contain links to third-party websites for additional services or information.
  • We are not responsible for the content, privacy policies, or business practices of third-party sites.

9. Termination of Access

  • We reserve the right to restrict or terminate access to the Website if a user violates these Terms.

10. Governing Law

  • These Terms are governed by and interpreted in accordance with the laws of England and Wales.
  • Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Changes to These Terms

  • We may update these Terms from time to time. The latest version will always be available at emortage.com/terms-and-conditions.
  • Your continued use of the Website after changes are made constitutes acceptance of the updated Terms.