Retail legal
Terms of Website Use
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website (our site). Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
Information about us :
This site is operated by Derbyshire Home Loans Limited and Nationwide Building Society ("We"). Salt Commercial is a trading name of Nationwide Building Society
Nationwide Building Society is authorised and regulated by the Financial Services Authority for life assurance, pensions, unit trusts, insurance and regulated mortgages. Head Office: Nationwide House, Pipers Way, Swindon, SN38 1NW. FSA Registration Number is 106078.
Derbyshire Home Loans Limited is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register - Registration Number 302586) for certain activities concerning regulated mortgage contracts, general insurance and pure protection contracts. Registered office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW. Registered in England and Wales. Company registration number 2628265. Derbyshire Home Loans Limited is a wholly-owned subsidiary of Nationwide Building Society.
Use of this website
This website is only for commercial brokers who adopt the NACFB code of practice and professional mortgage intermediaries (directly regulated or appointed representatives) who are registered with the Financial Services Authority with mortgage permissions. Its content is not intended as a consumer advertisement. Copies must not be given to anyone else and if you are not a professional intermediary you must not rely on the information provided.. Other persons must not rely on the information contained on this website.
The products, services and information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction other than the United Kingdom.
Where any opinions are expressed on this website, they are provided by us for personal use and for information purposes only.
Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom only.
This website is designed to be access through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read "Small Print". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others to material posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Reliance on information posted
The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice before making any decision.
Our site changes regularly
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close if indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
Telephone calls and email
Your calls or email may be monitored to prevent or detect crime, for service quality or security purposes.
If you communicate with us through our website or contact us by standard email, you should be aware that information sent in this way is not secure and we cannot guarantee that it remains confidential whilst in transit.
You should not send any confidential details by e-mail.
Viruses, hacking and other offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the service 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 co-operate 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.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Our Cookie Policy
We use cookies on our websites and within emails that we send to you. These are stored on your computer and allow us to record information about you, your use of our website and response to our email(s).
We cannot identify you individually from the information obtained from these cookies unless the cookie is contained in an email we send to you or you provide us with personal information about you. When you provide us with information we will remind you that we use cookies and explain how we use them.
The information we obtain from cookies will be used, to assess our customer preferences, improve our website and to report on how any links to and from our website are used.
We may also use cookies so that we can remember personal information that you have previously provided to us via our website, eg your name and address so that you don’t have to give us this information again.
We may also use web beacons. A web beacon is a line of code that is used on our pages which request a 1x1 pixel tag (also know as a blank GIF). These requests are used to log certain information such as which pages have been viewed and how many times.
For information about cookies and web beacons please visit: www.allaboutcookies.org
How you can prevent the use of cookies
All current versions of browser technologies enable you to manage the cookies that are created and placed on to your computer. They make it easy for you to delete cookies during or after your visit to our site or you can choose to set preferences
regarding the use of cookies before you begin.
For more information on deleting and rejecting cookies visit www.allaboutcookies.org. If you delete or reject cookies this may affect your
user experience of our website.
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, but 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 from 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.
If you wish to make any other use of material on our site other than that set out above, please address your request to our eCommerce Team.
Websites linked from this site
We have taken care when linking to other websites and chosen those which we think may be of interest to you. However we have not taken any steps to check or ensure the accuracy of the information contained in them. We are not responsible for the material contained in these Websites or any loss or damage you incur through the use of links.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from or related to, a visit to our site. These terms of use are governed by English law.
Enforceability
In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.
Variations
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
Your concerns
- If you have any concerns about material which appears on our site, please contact our eCommerce Team.
- For information about how to make a complaint, please click here.
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