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App Terms of Use

The Mortgage App Platform

Last updated: 09th March 2026

These Terms of Use govern your use of applications powered by The Mortgage App Ltd ("the Platform").

By accessing or using the application, you agree to these Terms of Use. If you do not agree with these terms, you should not use the application.

1. About the Platform

The Mortgage App Ltd provides technology that enables mortgage professionals to offer branded mobile applications and digital tools to their customers.

The application you are using is operated by an independent mortgage broker who is responsible for providing mortgage advice and services.

The Mortgage App Ltd provides technology only and does not provide mortgage advice or regulated financial services.

2. Eligibility

The application is intended for individuals aged 18 years or older who are seeking mortgage-related information or advice.

By using the application you confirm that you meet this eligibility requirement.

3. No Mortgage Advice

Information provided through the application is intended for general information purposes only. The Mortgage App platform does not provide:

  • mortgage advice
  • financial advice
  • recommendations regarding mortgage products

Any mortgage advice you receive will be provided by the broker operating the application, not by The Mortgage App Ltd. Users should not rely solely on information within the application when making financial decisions.

4. Mortgage Calculators

The application may include mortgage calculators and financial tools. These tools are provided for illustrative purposes only. Calculator results:

  • are estimates only
  • may not reflect lender criteria
  • should not be relied upon as financial advice

Mortgage eligibility and affordability assessments will depend on individual circumstances and lender requirements. Use of the application does not guarantee mortgage approval.

5. Accuracy of Information

Users agree that any information submitted through the application is:

  • accurate
  • complete
  • not misleading

Submitting inaccurate information may affect the ability of the broker to provide advice or services.

6. Broker Responsibility

The mortgage broker operating the application is responsible for:

  • providing mortgage advice
  • assessing suitability of mortgage products
  • complying with Financial Conduct Authority (FCA) regulations
  • issuing financial promotions where applicable

Questions about mortgage advice should be directed to the broker operating the application.

7. Financial Promotions

The application may contain financial promotions issued by the broker operating the application. Such promotions are the responsibility of the broker.

The Mortgage App Ltd is not responsible for the content or regulatory compliance of broker promotions.

8. Third-Party Services

The application may allow users to request introductions to third-party service providers such as:

  • conveyancers
  • solicitors
  • property professionals

These services are provided by independent third parties. The Mortgage App Ltd:

  • does not control these services
  • does not guarantee their quality
  • is not responsible for their conduct

Users should review the terms and conditions of third-party providers before engaging their services.

9. Referral Disclosure

Mortgage brokers may receive referral fees if users choose to use certain third-party partners introduced through the application. Such arrangements are managed by the broker and should be disclosed where required by regulation.

10. Acceptable Use

Users agree not to use the application:

  • for unlawful purposes
  • to submit false or misleading information
  • to attempt unauthorised access to the platform
  • to interfere with the operation of the application

We reserve the right to restrict or suspend access if misuse is suspected.

11. Device and Account Security

Users are responsible for maintaining the security of their device and any login credentials used to access the platform. The Mortgage App Ltd is not responsible for unauthorised access resulting from compromised devices or credentials.

12. Platform Availability

The Mortgage App platform is provided on an "as available" basis. We aim to maintain reliable service but cannot guarantee uninterrupted access. Temporary interruptions may occur due to:

  • maintenance or updates
  • system failures
  • internet connectivity issues
  • events outside our control

13. Changes to the Platform

We may modify, update, or discontinue parts of the platform or its features at any time. Where possible, we will provide reasonable notice of significant changes.

14. Suspension of Access

We may suspend or restrict access to the application where:

  • these Terms of Use are breached
  • misuse of the platform is suspected
  • unlawful activity is detected

15. Limitation of Liability

To the fullest extent permitted by law, The Mortgage App Ltd shall not be liable for:

  • financial decisions made by users
  • advice provided by mortgage brokers
  • services provided by third-party partners
  • inaccuracies in illustrative calculator results
  • service interruptions beyond our control

Users remain responsible for verifying information before making financial decisions.

16. Data Protection

Personal data will be handled in accordance with our Privacy Policy.

In most cases, the mortgage broker operating the application acts as the Data Controller for personal data submitted through the application.

17. Intellectual Property

All intellectual property rights in the platform technology, software and design remain the property of The Mortgage App Ltd.

Users may not reproduce, distribute, modify or reverse engineer any part of the platform.

18. Force Majeure

The Mortgage App Ltd shall not be liable for failure to perform obligations due to events beyond its reasonable control, including:

  • infrastructure failures
  • internet outages
  • natural disasters
  • government actions

19. App Store Disclaimer

Where the application is distributed through Apple App Store or Google Play, those providers are not responsible for the operation or content of the application.

20. Entire Agreement

These Terms of Use constitute the entire agreement governing use of the application.

21. Governing Law

These Terms of Use are governed by the laws of England and Wales.

Contact

For questions regarding these Terms of Use please contact:

The Mortgage App Ltd
Email: info@themortgageapp.co.uk
Website: www.themortgageapp.co.uk

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