Terms of Use

1. Introduction

Welcome to Remigo. These terms of use (“Terms”) govern your access to and use of the Remigo website and the services we provide.

By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website.

Remigo is a trading style of Kris Perryman (FCA Reg: 1050238), who is an Appointed Representative of New Leaf Distribution Ltd (FCA Reg: 460421), authorised and regulated by the Financial Conduct Authority. Head Office: Garfield House, 165–167 High Street, Rayleigh, Essex SS6 7QA.

2. Use of the Website

You may use our website for lawful purposes only. You agree not to use the website:

• In any way that breaches any applicable local, national, or international law or regulation
• In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material
• To knowingly transmit any data or material that contains viruses, Trojan horses, worms, or any other harmful programs
• To attempt to gain unauthorised access to our website, the server on which it is stored, or any connected system

3. Our Services

Remigo provides mortgage and protection insurance broking services. We act as an intermediary between you and mortgage lenders and insurance providers.

Important:

• The information provided on this website is for general information purposes only and does not constitute financial advice
• Any mortgage advice we provide will be tailored to your individual circumstances following a full assessment
• We cannot guarantee that any mortgage application will be approved by a lender
• YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

When you submit an enquiry through our website, you are not entering into a contract for our services. A contract will only be formed when we have assessed your circumstances and you have agreed to proceed with our advice.

4. Calculators and Illustrative Figures

Our website includes mortgage calculators and illustrative rate comparisons. These tools are provided for general guidance only and do not constitute a mortgage offer or guarantee. The rates, savings, and borrowing amounts shown are illustrative and may not reflect the actual products or rates available to you. Your actual mortgage terms will depend on your individual circumstances, credit history, and lender criteria.

5. Information You Provide

You are responsible for ensuring that any information you provide to us through the website is accurate, complete, and up to date. You must notify us immediately of any changes.

Providing false or misleading information may:

• Prevent us from providing suitable advice or recommendations
• Result in a mortgage application being declined
• Affect the validity of any insurance policy we arrange
• Constitute fraud, which is a criminal offence

For information about how we collect, use, and protect your personal data, please see our Privacy Policy.

6. Our Fees

We charge a fixed broker fee from £495 for our mortgage advice services. This is payable in two stages: £200 on application and £295 on mortgage offer. For complex cases, the fee is £99. Our fee structure will always be clearly explained to you before you commit to using our services. There are no hidden costs.

7. Intellectual Property Rights

We are the owner or licensee of all intellectual property rights in our website and the material published on it. These works are protected by copyright laws and treaties. All such rights are reserved.

You may print or download content from our website for your personal, non-commercial use only. You must not modify, reproduce, distribute, or use any content for commercial purposes without our express written permission.

8. Links to Third-Party Websites

Our website may contain links to third-party websites that are not owned or controlled by Remigo. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

9. Website Availability

We do not guarantee that our website will always be available or that access will be uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of our website for business and operational reasons.

10. Disclaimer and Limitation of Liability

The website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, about the accuracy, reliability, or completeness of information on the website.

To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of the website.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

11. FCA Regulation and Complaints

We are authorised and regulated by the Financial Conduct Authority via our principal firm, New Leaf Distribution Ltd (FCA Reg: 460421). You can check our registration on the FCA Register.

If you have a complaint about our services, please see our Complaints Procedure.

If we cannot resolve your complaint, you may be able to refer it to the Financial Ombudsman Service:
Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

12. Changes to These Terms

We may revise these Terms at any time by updating this page. Your continued use of the website after any changes indicates your acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact Us

If you have any questions about these Terms of Use, please contact us:

Email: hello@remigo.co.uk
Phone: 0330 024 2828
Address: Garfield House, 165–167 High Street, Rayleigh, Essex SS6 7QA