Terms and Conditions
Last updated: [DATE TO BE CONFIRMED]
Who We Are
This website is operated by Global Financing Services Limited (company number 12763992), trading as Premier Expat Mortgages (“Website Operator”, “we”, “us”, “our”). Our registered office is at Railway Tavern, Irlam Road, Urmston, Manchester, Lancashire, M41 6NA, with operational offices in Hong Kong and Kuala Lumpur.
Premier Expat Mortgages is a trading style of Global Financing Services Ltd. Mortgage advice is provided by Gerard Ward, a certified and assessed individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490).
Website Terms
These are the terms and conditions (“Website Terms”) which apply to your use of this website. Please read them carefully and if you have any questions, please contact us using the details in the “Contacting Us” section below.
By proceeding with access to this website you are deemed to have accepted these Website Terms and our Privacy Policy, which is supplemental to these Website Terms.
These Website Terms are in addition to any terms of business you may have as a direct customer (“Direct Terms”), and in the event of any conflict between these Website Terms and any Direct Terms, the Direct Terms shall prevail. Any products or services acquired will be subject to their own terms and conditions, which you must also read.
Our Services
We provide mortgage and finance brokerage services, helping clients identify and apply for suitable mortgage, secured lending, and related financial products from a panel of lenders. We do not lend money ourselves.
Any mortgage or finance product arranged through us is subject to the lender’s own terms, conditions, and eligibility criteria. We do not guarantee that any application will be successful.
Our Fees
Details of any fees applicable to your specific case will be confirmed with you directly and in writing before you commit to proceeding with an application.
Your Responsibilities
When using our services, you agree to:
- Provide accurate, complete, and up-to-date information
- Inform us promptly of any changes to your circumstances that may affect your application
- Provide documentation requested by us or by a lender in a timely manner
We are not responsible for delays or declined applications resulting from inaccurate or incomplete information provided to us.
General
This website may contain hypertext links to, or information from, websites operated by third parties. Where the website includes any such links and/or information, these are for information purposes only and we make no representation whatsoever about any such link, website, or content. Separate terms and conditions may apply to such websites, and we accept no responsibility for the content of, or your use of, any website accessed via a hypertext link from this website.
Availability and Access
We do not warrant that this website is free of viruses, worms, Trojan Horses, or technical defects of any description, and accept no responsibility for any technical problems arising from your use of it. We will endeavour to ensure this website is accessible 24 hours a day but will not be liable if, for any reason, it is unavailable for any time or period.
We reserve the right to suspend access to this website, or any part of it, temporarily or permanently and without notice.
Information Only Website
Unless otherwise stated, the information on this website is provided for information purposes only and cannot be regarded as constituting advice or recommendations, professional or otherwise. We use reasonable care and skill to ensure information on this website is accurate at the date of publication, but because of the nature of the internet, information may not always be accurate or complete.
Amendments and Variation
We reserve the right to make amendments and changes to the information on this website, and to these terms and conditions, without notice, to reflect changes in market conditions, technology, payment methods, relevant laws, and regulatory requirements.
Any amendment shall be effective once the revised terms have been posted on this website. You are responsible for reviewing these terms each time you use the website, and continued use will be treated as your acceptance of the terms applicable at that time.
Security
We take all reasonable steps to ensure any information you provide as a result of your access to this website is kept secure, but please note that because of the nature of the internet, the security of information sent over it cannot be fully guaranteed. Please also refer to our Privacy Policy.
Limitation of Liability
All warranties, conditions, representations, and terms, whether express or implied, with respect to this website and its content are excluded from these Website Terms to the extent permitted by law. We do not warrant that this website will be uninterrupted or error-free, or that any defects will be corrected.
To the fullest extent permitted by law, we shall not be liable for any damage, loss, or liability arising out of or in connection with your use of this website, your reliance on or inability to use the information contained on it, or any technical failure, error, or interruption affecting it, including loss of profits, income, data, or goodwill.
Nothing in these terms shall exclude our liability for death or personal injury resulting from our negligence, or for any other liability which cannot be excluded by law, including in relation to regulated financial advice we provide directly to you.
Intellectual Property
We (or our licensors) own the copyright and all intellectual property rights existing on or within this website, including all database rights, trade marks, and logos. You are not permitted to reproduce, redistribute, or otherwise use any content from this website without our prior written consent, other than for your own personal, non-commercial use.
Complaints
If you are unhappy with any aspect of our service, please contact us in the first instance using the details below so we can try to resolve the matter directly. [FULL COMPLAINTS PROCEDURE, INCLUDING ANY RELEVANT OMBUDSMAN REFERRAL RIGHTS, TO BE CONFIRMED WITH YOUR COMPLIANCE ADVISER.]
Communications
When using this website, you accept that communication with us may be electronic. We may contact you by email or by posting notices on this website. You agree that electronic communications satisfy any legal requirement that such communications be in writing. This does not affect your statutory rights.
Data Protection and Privacy
Any personal information you supply to us via this website will be treated in accordance with applicable data protection laws, including UK data protection legislation and, where relevant, the Hong Kong Personal Data (Privacy) Ordinance (Cap 486). Further detail is available in our Privacy Policy and Cookie Policy.
Severability
If any of these terms are determined to be illegal, invalid, or otherwise unenforceable, that term shall be deleted and severed from these terms, and the remaining terms shall survive in full force and effect.
Waiver
If we fail at any time to insist upon strict performance of any of your obligations under these Website Terms, or fail to exercise any right or remedy to which we are entitled, this shall not constitute a waiver of such rights and shall not relieve you from compliance with those obligations.
Entire Agreement
These Website Terms set out the whole of our agreement relating to your use of this website. Nothing said by any sales or service person on our behalf should be understood as a variation of these terms.
Governing Law
We have established this website in the UK. English law shall govern its use at all times, and in the event of a dispute, the parties shall irrevocably submit to the exclusive jurisdiction of the English courts.
Contacting Us
Questions, comments, and requests are welcomed and should be sent to [email protected] or +60 11 2684 0540.
This page has been drafted with content from our prior terms and conditions combined with updated content. It should be reviewed by a solicitor or compliance adviser before being finalised.
