Our general site terms and conditions govern the use of this website and are set out below. Please read them carefully as by using the site you indicate your acceptance of them.

1. Advice

Any person making use of this site acknowledges that nothing in this site shall be deemed to constitute financial or other professional advice in any way and that they have complied and will comply with all applicable provisions of the Financial Services and Markets Act 2000 and any supplementary rules and regulations connected therewith and any subsequent amending or replacement laws,rules or regulations ( all the preceding together referred to as “FSMA”). In choosing to make any investment decision associated with this site you acknowledge that you have not relied on the information contained within the site pages or any representation or warranty whatsoever. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing.

2. Variation of content

HAF reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will agree to be bound by the revised conditions.

3. Telephone recording

As required under applicable laws HAF retains the right to record all telephone and electronic communications and conversations with you that result or may result in the undertaking of transactions in financial instruments on your behalf. Such records will be kept for a period of five years (or up to seven years upon request from the financial conduct authority (or such successor from time to time)) and will be provided to you upon request.

4. HAF content

Whilst HAF has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, no warranty is given and no representation is made whatsoever regarding the accuracy of or completeness of this site.

5. Third party content

This website may make available, from time to time, information and resources of third parties, including (without limitation) text, graphics, audio, visual (including still visual images) and/or audio- visual material, software, applications, data, database content or other multimedia content, information and material, including the metadata relating to any such content ("third party content"). You acknowledge that the third party content made available through our website: has not been created by or endorsed by HAF and that HAF has no control over and assumes no responsibility for the third party content; is made available for general informational purposes only and the availability of third party content on our website does not constitute a recommendation or solicitation to make any investment decision or enter into any other transaction; and is obtained from sources believed to be reliable, but no guarantees are made by HAF or the providers of the third party content as to its accuracy, completeness, or timeliness.

6. General provisions

HAF accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website or any information contained on this website (including in any third party content). Further, no warranty is given that this site and any third party content made available on the site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties or the providers of third party content.

You agree that you will not carry out any rate scraping activity whatsoever in respect of this website and the products it offers.

You acknowledge that you are solely responsible for the use to which you put this site and any third party content made available on the site and all the results and information you obtain from it and that all liability is hereby excluded to the fullest extent permitted by law. These terms and conditions shall not otherwise exclude, limit or restrict any mandatory duties and liabilities of HAF to you under FSMA. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

7. Copyright and trade marks

Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by HAF, unless otherwise stated.

All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by HAF in respect of the use of any such trademarks, service marks, company names or logos and such use may constitute an infringement of the holders rights. Reproduction of the pages of this site in whole or in part, without the prior written consent of HAF., is strictly prohibited unless for private, non-commercial viewing purposes.

8. Housing Affordability Finance (HAF) Ltd.

Company registered number 12096242, with registered address at West Acre, Faringdon Rd., Oxford OX2 9QY, UK.

The company registration number above refers to our registration with the "Companies House". Companies House is the United Kingdom registrar of companies and is an executive agency of the United Kingdom government Department for Business, Innovation and Skills. All forms of companies in Great Britain are incorporated and registered with companies house and file specific details as required by the current Companies Act 2006.