You must read through these Terms and Conditions and our Privacy Policy.

If you do not accept these Terms and Conditions you will not be permitted to use this website or any of our associated sites.

Copyright

The Essex Mortgages Website is owned and operated by Divadani Limited. This entire Website is Copyright © 2004-2006 Divadani Limited. All Rights Reserved. All Trademarks are properties of their respective owners, governed by the laws of the United Kingdom and European Union, when and where applicable.

No responsibility is accepted for any typographical error, or alleged infringement of brand name, trademark, copyright or design resulting from the use of pictures, texts or links from this Website.

Comments or problems regarding the design of this Website should be sent directly to the Webmaster.

Third Party Websites

Any third party websites are outside our control and we therefore do not accept responsibility for their sites or the content therein. When you access third party websites, you do so at your own risk.

Your use of any third party website may be subject to specific terms and conditions and privacy policy.

Links from our Websites to a third party website do not imply that we have endorsed or approved that third party or the content of their website.

Use of This Website

You may only use this Website for legal purposes. You may not use this site to access, copy, publish, download or distribute any material which is defamatory or violates a law or regulation, or to send “spam” or other unsolicited bulk e-mails either directly or indirectly.

Regulated Mortgage Business

Divadani is an internet marketing company and does not arrange Regulated Mortgage Business. In respect of Regulated Mortgage Business we will provide you with details of a local Authorised Firm. By completing their online enquiry form you consent to them contacting you in order to discuss your requirements. You may check that the local Firm is FSA Authorised by going to the Financial Services Authority website at: www.fsa.gov.uk/register.

The Firm that we introduce you to will pay us for the introduction to you. The actual payment amount varies; typically it averages £50.

Limitation of Liability

We do not provide any legal, financial or other advice. We do not make any recommendations or endorsement as to any product or service supplied by any third party or linked to by our Websites.

We provide our Website and services on an “as is” basis without any warranty or condition, whether implied or otherwise. We have no control over, nor responsibility for, any information provided by you to a third party directly or indirectly through our website. We have no control over, and do not accept liability for, the actions of any Firm with whom you decide to Contract as a result of visiting our Website.

We are not liable to you or any third party for any indirect or consequential loss or damage, loss of profits, contracts, or other revenue or business caused by, or arising from, the use of our Website.

Nothing in this Agreement limits our liability for death or personal injury resulting from our negligence or the negligence of our employees or our liability for fraudulent misrepresentation.

Applicable Law

All disputes arising out of, or relating to, the use of personal information will be governed by English Law and you agree to submit to the non exclusive jurisdiction of the English Courts.

Force Majeure

We will not be liable for any breach of these terms and conditions of use or any failure to provide or delay in providing our services via our Website resulting from any circumstance or event beyond our reasonable control including, without limitation, failure or breakdown of systems or network access, fire, explosion or accident.

Data Protection & Privacy Statement

Any information you supply to Divadani will be processed only for purposes for which we have registered under the Data Protection Act. Upon receipt of your written request, together with an administration fee, we will provide you with a copy of the information which we hold concerning you.

Any personal details which you submit to Divadani are held by us for our own use. It is your responsibility to ensure that this personal data is accurate and up to date and to inform us of any changes that need to be made. Divadani may use your personal data for the purposes notified by us to the Information Commissioner. By submitting your personal data to us, you consent to it being processed by Divadani.

We may process your information in countries that are outside the European Economic Area. We have taken appropriate steps to ensure the same level of protection for your personal information in other countries as in the European Economic Area.