Terms and Conditions

1. Introduction

We have provided terms of use (hereafter the “Terms”) setting out how this website, being www.wayhome.co.uk and any related subdomains (hereafter the “Website”) may be used by guests and registered users, and outlining your rights and our rights in relation to its use. We advise, for your best interest, to read these Terms carefully. Please be aware that the Terms may change from time to time, and we encourage you to revisit this page on a regular basis to ensure you are familiar with the latest version.

Unmortgage Ltd (registered in England and Wales, Company No. 10395239) and its subsidiaries comprise the Unmortgage Group. Our registered office is at 9 Appold St, London, EC2A 2AP.

Wayhome is a trading name of the Unmortgage Group.

Unmortgage Arrangers Ltd, a subsidiary of Unmortgage Ltd (registered in England and Wales, Company No. 11842567), is authorised and regulated by the Financial Conduct Authority (FRN 902968) for arranging and administering insurance policies only and is also registered as an EMD Agent of Modulr FS Limited. Modulr FS Limited is Authorised and Regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573). Your money is held in a segregated and safeguarded account under e-money regulation.

No other aspect of the Unmortgage Group’s business falls within the scope of financial services regulation. This means you do not have any of protections under the FCA rules and do not have any cover from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme in relation to your interest in an LLP. Customers should ensure they understand what this means before they use the Wayhome product.

For full details relating to our regulatory position please see our Regulatory Information Page

Wayhome Property Management Ltd, a subsidiary of Unmortgage Ltd, is a member of The Property Redress Scheme (membership number PRS025713), which covers activities in relation to the purchase of the home, the setting up and management of tenancy and the management of maintenance of the home.

Wayhome Nominees Ltd (registered in England and Wales, Company No. 13085562) is a subsidiary of Unmortgage Ltd.

Please note that references on this page to 'our', 'we' and 'us' have the meaning of the Unmortgage Group and its subsidiaries, collectively trading as "Wayhome".

2. General Terms of Use

This Website is operated and maintained by Wayhome. In choosing to access this Website, you acknowledge that you understand and accept these Terms, as well as agreeing to abide by any applicable UK laws and regulations.

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

This Website is intended to provide information and illustrative examples of properties that Customers may be eligible to co-invest into through the Wayhome arrangement (hereafter the “Arrangement”), subject to the required Customer and Property checks and processes undertaken as part of the Arrangement.

This Website may provide links to third party websites over which Wayhome has no control. These links are provided for your convenience and Wayhome accepts no responsibility for the content on such websites.

3. No Offer

The information presented on this Website does not constitute an offer to buy, sell or subscribe to a financial instrument, nor does it constitute the provision of any regulated service by Wayhome or its affiliates (nor any agreement to provide a regulated service) . Nothing on this Website should be interpreted as investment advice, recommendations, legal or tax advice, nor should any information or content be relied upon in determining the suitability of the Arrangement for you, or in making an investment or other decision.

4. Intellectual Property

You may download or print a hard copy of individual pages and/or sections of this Website, provided that you do not remove any copyright or other proprietary notices. Any downloading or other copying from this Website will not transfer title to any software or material to you.

You may not publish, reproduce (in whole or part), transmit (by electronic means or otherwise), modify, link or use for any public or commercial purposes this Website (including its data) without the prior permission of Wayhome.

Nothing on this Website shall be construed as granting a license or right to use any image, trademark, service mark or logo, all of which are the property of Wayhome. Wayhome reserves all rights with respect to its proprietary information or material on this Website and will enforce such rights to the full extent of applicable copyright and trademark law.

5. Further Restrictions

You may not use this Website for illegal or unlawful or malicious activities, or for activities that we deem improper for any reason whatsoever in our sole judgment, including any data mining, data harvesting, data extracting or any other similar activity in relation to this Website.

You may not impersonate any person or use or provide any fraudulent, misleading or inaccurate information, or access or use (or attempt to access or use) another user’s account without permission.

You may not use this Website in any way that is or may be damaging to this Website and/or Wayhome or its affiliates, that impacts user access to this Website, or otherwise use this Website contrary to applicable laws and regulations.

6. No Reliance or Warranty

Although Wayhome has taken all reasonable care to ensure that the information, opinions, and references to third parties contained within this Website are accurate, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by Wayhome or its contractual partners. Wayhome also give no warranty that this Website will be free from faults and/or defects (including viruses or other harmful components), and accept no liability for this or any disruption or loss of availability of this Website or any part of it. You use this Website and its content at your own risk.

The information, and opinions expressed on this Website are subject to change and may be modified at any time and without prior warning.

We do not warrant the adequacy, accuracy, reliability or completeness of any information on hyperlinked or referenced third party websites and expressly disclaim any liability for any and all of their content. A hyperlink to another Website is meant for convenience only and does not imply that Wayhome endorses or approves of the Website or any products or services that it describes.

7. Limitation of Liability

Our liability is limited to intent and gross negligence. Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability which cannot be excluded or limited under applicable law.

Wayhome, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.

You hereby indemnify to the fullest extent possible from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

8. Information Submitted By You

All content submitted by you through this Website must be your own and must not be invading any third-party’s rights.

Any information submitted by you through this Website shall be handled in accordance with our Privacy Policy.

9. Your Account

You must keep your account details safe and confidential, which includes but is not limited to any user identification credentials, password and other information required as part of our login or security procedures.

We have the right to disable any user identification credentials or password, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@wayhome.co.uk.

10. Affiliation

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

11. Reservation of Rights

We reserve the right to change, modify, add to, or remove portions of these Terms at any time.

12. Assignment

Wayhome is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. We 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.

13. Governing Law

Any action arising out of these terms or this Website shall be litigated in, and only in, courts located in England and Wales. In the event that any provision of these Terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected.

14. Contact Us

You can contact us about these Terms through emailing hello@wayhome.co.uk.