Terms & Conditions

Introduction

These terms and conditions manage your use of this website. These terms will be applied fully and affect your use of this website. By using this website, you agree to accept all terms and conditions written in here. You must not use this website if you disagree with any of these terms and conditions.

proportunity.co is a site operated by Proportunity Ltd (referred to in this policy as "we", "our" or "us"). We are registered in England and Wales under company number 10470755 and have our registered office at GG 315, Metal Box Factory, 30 Great Guildford St, London SE1 0HS, United Kingdom.

Our affiliate, SSM One Limited, is regulated by the financial conduct authority. SSM One Limited makes all regulated decisions and makes all decisions regarding your mortgage.

Minors or people below 18 years old are not allowed to use this website.

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

Contact

To contact us, please email hello@proportunity.co or telephone us on +44 (0) 20 3962 2051.

Intellectual property rights

Other than the content you own, under these terms, Proportunity and/or its licensors own all the intellectual property rights and materials contained in this website. No act of downloading or otherwise copying from this website will transfer title to any software or material on this website to you. Proportunity reserves all rights with respect to copyright and ownership of all material on this website, and will enforce such rights to the full extent of the law.

You are granted a limited license only for purposes of viewing the material contained on this website.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Restrictions

You are specifically restricted from all of the following:

  • publishing any website material in any other media (save for publishing links to our website in accordance with the section headed "rules about linking to our site" below);
  • selling, sub-licensing and/or otherwise commercializing any website material;
  • publicly performing and/or showing any website material (save for publishing links to our website in accordance with the section headed "rules about linking to our site" below);
  • using this website in any way that is or may be damaging to this website;
  • this website in any way that impacts user access to this website;
  • using this website contrary to applicable laws and regulations, or in any way may cause harm to the website, or to any person or business entity;
  • engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this website;
  • using this website to engage in any advertising or marketing.

Certain areas of this website are restricted from being accessed by you and Proportunity may further suspend or restrict access by you to any areas of this website, at any time, in absolute discretion. Any user ID and password you may have for this website are confidential and you must maintain confidentiality as well.

We will try to give you reasonable notice of any suspension, restriction or withdrawal of our site.

User-generated content is not approved by us

This website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

If you wish to complain about information and materials uploaded by other users please contact us using our contact details above.

Your content

In these terms and conditions, "your content" shall mean any audio, video text, images or other material you choose to display on this website. Any content you upload to our website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content but by displaying your content, you grant Proportunity a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your content must be your own and must not be invading any third-party’s rights. Proportunity reserves the right to remove any of your content from this website at any time without notice.

Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our acceptable use policy. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

We have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

You are solely responsible for securing and backing up your content.

Rights you are giving us to use material you upload

When you upload or post content to our site, you grant us a non-exclusive, royalty-free, worldwide, sub-licensable, irrevocable licence to use, store and copy that content and to distribute and make it available to third parties for the purposes of providing the website and/or for using any information that you provide in your content.

How we use your personal information

We will only use your personal information as set out in our privacy policy.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password,whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms and conditions.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at privacy@proportunity.co

No warranties

This website is provided "as is," with all faults, and Proportunity express no representations or warranties, of any kind related to this website or the materials contained on this website. Proportunity assumes no responsibility for, and makes no warranties that, functions contained on this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available will be free of viruses or other harmful components. Proportunity limited shall not be liable for any damages to, viruses that may infect, or services, repairs or corrections that must be performed on your computer. Also, nothing contained on this website shall be interpreted as advising you. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not introduce viruses

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the computer misuse act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out in our acceptable use policy acceptable use policy. If you wish to link to or make any use of content on our site other than that set out above, please contact us using the contact details set out above.

Limitation of liability

Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Subject to unlawful exclusions, in no event shall Proportunity, nor any of its officers, directors and employees, be held liable for anything arising out of or in any way connected with your use of this website whether such liability is under contract.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of our services to you, which will be set out in our mortgage offer and mortgage deed terms and conditions.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site. In particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage
If you are a consumer user:

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity, or any indirect or consequential loss or damage.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. however, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

External websites

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approved by us of those linked websites or information you obtain from them. We have no control over the contents of those sites or resources.

Severability

If any provision of these terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

Variation of terms

Proportunity is permitted to revise these terms at any time as it sees fit, and by using this website you are expected to review these terms on a regular basis.

We may make changes to our site

We may update and change our site from time to time to reflect changes in our services, our users' needs and our business priorities. We will give you reasonable notice of any major changes.

Assignment

Proportunity is allowed to assign, transfer, and subcontract its rights and/or obligations under these terms without any notification. Proportunity will always give you notice before doing this. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these terms.

Entire agreement

These terms, in addition to the acceptable use terms, constitute the entire agreement between Proportunity and you in relation to your use of this website, and supersede all prior agreements and understandings.

Please note that if you purchase a mortgage product from us, our mortgage terms and conditions will apply to such purchase.

Governing law & jurisdiction

These terms will be governed by and interpreted in accordance with the laws of the united kingdom, and you submit to the non-exclusive jurisdiction of the united kingdom for the resolution of any disputes.

SSM One Limited (trading as Proportunity Loans) is an intermediary only lender authorised and regulated by the Financial Conduct Authority (with firm reference number 716565). SSM One Limited is registered in the UK at Companies House with reference number 09273700, with its registered office at GG 315, Metal Box Factory, 30 Great Guildford St, London SE1 0HS, United Kingdom.
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