These Terms of Service (“Terms”) govern your use of the PortfolioHub website and platform (“the Service”), operated by PortfolioHub (“we”, “us”, “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.
1. Who can use the Service
The Service is intended for UK-based mortgage professionals, property landlords, and related business users. By using the Service, you confirm that you are at least 18 years old and have the legal authority to enter into these Terms, either personally or on behalf of the business you represent.
2. Your account
To access certain features of the Service, you may need to create an account. You are responsible for:
- Providing accurate and up-to-date information when registering
- Keeping your login credentials secure and confidential
- All activity that occurs under your account
- Notifying us promptly of any unauthorised access or suspected security breach
3. Acceptable use
You agree not to use the Service to:
- Breach any applicable law, regulation, or third-party rights
- Upload content that is unlawful, misleading, or infringes intellectual property rights
- Interfere with or disrupt the Service, servers, or networks
- Attempt to gain unauthorised access to any part of the Service
- Reverse engineer, copy, or resell any part of the Service
- Use automated tools to scrape or extract data from the Service
- Share your account credentials with unauthorised parties
4. Your content and data
You retain ownership of any content, data, or information you upload or enter into the Service (“Your Content”). By using the Service, you grant us a limited, non-exclusive licence to host, store, and process Your Content solely for the purpose of operating the Service for you.
You are responsible for ensuring that Your Content is accurate, lawful, and that you have the right to upload it.
5. Intellectual property
All intellectual property rights in the Service — including the platform, software, design, branding, content, and documentation — are owned by us or our licensors. Nothing in these Terms transfers any of these rights to you. You are granted a limited, non-transferable, revocable licence to use the Service in accordance with these Terms.
6. Fees and payment
Some features of the Service may require payment. Any applicable fees, billing cycles, and payment terms will be clearly displayed at the point of purchase. We reserve the right to change our pricing at any time, with reasonable notice to existing subscribers.
7. No financial advice
PortfolioHub is a technology platform. The information, calculations, and tools provided through the Service are for informational and research purposes only and do not constitute financial, mortgage, legal, or tax advice. Users are solely responsible for verifying any figures, rates, or criteria directly with the relevant lender or professional adviser before making any decisions or providing advice to clients. For more information, please see our Disclaimer.
8. Third-party services
The Service may include links to or integrations with third-party websites and services. We are not responsible for the content, accuracy, or practices of any third-party services, and your use of them is subject to their own terms and conditions.
9. Service availability
We aim to keep the Service available at all times, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue any part of the Service at any time.
10. Limitation of liability
To the maximum extent permitted by law, PortfolioHub will not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Service, including but not limited to loss of profits, data, goodwill, or business opportunities.
Nothing in these Terms excludes or limits our liability for death, personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.
11. Indemnity
You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from your use of the Service, your breach of these Terms, or any content you upload.
12. Termination
You may stop using the Service at any time. We reserve the right to suspend or terminate your account if you breach these Terms, misuse the Service, or for any other reasonable cause. Upon termination, your right to use the Service ends immediately.
13. Changes to these Terms
We may update these Terms from time to time. When we do, we will update the “last updated” date at the top of this page. Continued use of the Service after any changes means you accept the updated Terms.
14. Governing law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
15. Contact us
If you have any questions about these Terms, please use our contact form or email waqas.ali@portfoliohub.uk.