Terms & Conditions

1. About Our Service

HomeSafeHeaven is a matching service that connects individuals with lending partners who may offer home loan products. We are not a direct lender and do not provide loans ourselves. Any loan agreement you enter into will be with a third-party lender, and their terms and conditions will apply separately.

By using our service, you acknowledge that:

• We do not guarantee loan approval
• All loan decisions are made by our lending partners
• Interest rates, fees, and terms are determined by lenders
• Your use of this service is subject to these Terms & Conditions

2. Acceptance of Terms

By accessing this website and using our services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you should not use our website or services.

We may update these terms from time to time. Continued use of our services indicates your acceptance of any changes. The "Effective Date" at the top of this page indicates when these terms were last updated.

3. Eligibility

By using our services, you confirm that:

• You are at least 18 years of age
• You are a resident of the United Kingdom
• You are legally capable of entering into a binding agreement
• All information provided by you is accurate, complete, and truthful
• You are applying for a loan for lawful purposes only

4. Use of Website

You agree to use this website only for lawful purposes. You must not:

• Use the website in any way that may cause damage or disruption
• Attempt to gain unauthorised access to systems or data
• Transmit harmful or malicious content, including viruses or malware
• Use automated systems, bots, or scrapers to access the website
• Provide false, misleading, or incomplete information
• Impersonate another person or entity
• Use the website for any illegal or fraudulent purpose

5. Our Matching Service

5.1 How It Works

When you submit an enquiry through our website, we review your information and match your profile with suitable lending partners. We may share your information with these partners to facilitate your loan application.

5.2 No Guarantee of Approval

Submitting an enquiry does not guarantee that you will be approved for a loan. All loan decisions are made by our lending partners based on their own eligibility criteria, credit checks, and underwriting processes.

5.3 No Advice

We do not provide financial or legal advice. The information on our website is for informational purposes only. You should seek independent advice before entering into any loan agreement.

6. Information You Provide

6.1 Accuracy of Information

You agree to provide accurate, current, and complete information when using our services. We reserve the right to verify all details provided and may reject or cancel your enquiry if we suspect inaccurate or incomplete information.

6.2 Consent to Share Information

By using our service, you consent to us sharing your information with our lending partners to facilitate your loan enquiry. For more details, please see our Privacy Policy.

6.3 Soft Credit Search

Our initial eligibility check uses a soft search that does not affect your credit score. Any full credit checks will be performed by our lending partners with your explicit consent.

7. Fees and Charges

Our matching service is provided at no cost to you. We are compensated by our lending partners when you successfully take out a loan through our service.

Any fees charged by lenders (such as arrangement fees, valuation fees, or early repayment charges) will be clearly disclosed in your loan offer before you commit to any agreement.

8. Loan Terms with Lenders

Any loan you take out will be governed by the terms and conditions of the lender, not by these Terms & Conditions. You should carefully review all loan documents before signing.

Key loan terms that vary by lender include:

• Interest rates and APR
• Repayment terms and schedules
• Fees and charges
• Early repayment options and penalties
• Default and late payment consequences
• Property security requirements

9. Repayments

If you take out a loan, you are responsible for making repayments in accordance with your agreement with the lender. Failure to make payments on time may result in:

• Additional charges and interest
• Negative impact on your credit score
• Legal action to recover the debt
• Potential loss of property if secured

10. Cancellation and Withdrawal

10.1 Cancelling Your Enquiry

You may withdraw your enquiry at any time before connecting with a lender by contacting us at info@HomeSafeHeaven.com.

10.2 Right to Cancel Loan Agreement

If you enter into a loan agreement with a lender, you may have a statutory right to cancel the agreement within 14 days (or as specified in your loan offer). This right will be explained in your loan documents.

11. Complaints Procedure

If you have a complaint about our service, please contact us at:

Email: complaints@HomeSafeHeaven.com
Address: 81 Grenoble Road, Bridge of Brewlands, PH11 3ZE, UK

We will acknowledge your complaint within 5 business days and aim to resolve it within 15 business days. If you are not satisfied with our response, you may escalate your complaint to the Financial Ombudsman Service (if applicable) or seek independent legal advice.

12. Limitation of Liability

To the maximum extent permitted by law, HomeSafeHeaven and its affiliates, officers, employees, and agents shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Any loss arising from reliance on information on our website
• Any loss caused by third-party lenders or their services
• Any technical issues or interruptions to our service

Our total liability to you shall not exceed the total fees paid by you to us (if any) in the preceding 12 months.

13. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of HomeSafeHeaven or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

14. Third-Party Links

Our website may include links to third-party websites for your convenience. We are not responsible for the content, privacy practices, or terms of these external sites. You access them at your own risk.

15. Termination

We reserve the right to restrict, suspend, or terminate your access to our services at our sole discretion if:

• You violate these Terms & Conditions
• You provide false or misleading information
• We suspect fraudulent or illegal activity
• Required by law or regulatory authority

16. Force Majeure

We shall not be liable for any delay or failure to perform our obligations under these terms if caused by events beyond our reasonable control, including but not limited to natural disasters, strikes, technical failures, or changes in law.

17. Governing Law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes arising from your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

18. Severability

If any provision of these Terms & Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Contact Information

If you have any questions regarding these Terms & Conditions, please contact us at: