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Legal

Terms of Use

Last updated: September 2026

Please read these Terms and Conditions carefully before using this site.

Terms of website use

These Terms of Use set out the conditions under which you may use our website unitefs.co.uk (our site), whether as a guest or registered user. Use of our site includes browsing, accessing content, or submitting enquiries.

By using our site, you confirm that you accept these Terms of Use and agree to comply with them. If you do not agree, you must not use our site.

We recommend printing a copy of these Terms for future reference.

Other applicable terms

Our Privacy Policy explains how we collect, use and store personal data. By using our site, you consent to such processing and warrant that all data provided is accurate.

Information about us

Unite FS (“we”, “us”, “our”) is a specialist broker providing non regulated mortgage and property finance services.

We do not provide regulated residential mortgage advice. We do not provide regulated insurance advice. Products arranged through Unite FS do not benefit from Financial Conduct Authority protections.

Changes to these terms

We may revise these Terms at any time. Please check this page periodically, as changes are binding once published.

Changes to our site

We may update or change content on our site at any time. Content may be out of date, and we are under no obligation to update it.

We do not guarantee that our site or its content will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee uninterrupted access. We may suspend, withdraw or discontinue any part of our site without notice.

You are responsible for ensuring that anyone accessing our site through your internet connection complies with these Terms.

Your account and password

If you are provided with login credentials, you must keep them confidential and not disclose them to any third party.

We may disable any credentials if we believe you have breached these Terms.

If you suspect your credentials have been compromised, notify us immediately at info@unitefs.co.uk.

Intellectual property rights

We own or license all intellectual property rights in our site and its content.

You may print or download extracts for personal use only. You may share content internally within your organisation.

You must not modify downloaded materials or use images, graphics or media separately from accompanying text.

You must not use any content for commercial purposes without obtaining permission.

If you breach these Terms, your right to use our site will cease immediately and you must destroy or return any copies made.

No reliance on information

Content on our site is provided for general information only. It is not intended as advice.

Unite FS provides non regulated mortgage broking services, and website content must not be interpreted as regulated financial advice.

You must obtain professional advice before acting on any information on our site.

We make reasonable efforts to update content but do not guarantee accuracy or completeness.

Limitation of our liability

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud or any liability that cannot be excluded under English law.

To the extent permitted by law, we exclude all implied conditions, warranties or representations.

We will not be liable for any loss or damage arising from:

Uploading content to our site

If you upload content or interact with other users, you must comply with our acceptable use standards.

You must not upload unlawful, harmful, defamatory, infringing or inappropriate content.

We may remove content or suspend access if you breach these Terms.

Any content you upload is considered non confidential. You retain ownership but grant us a licence to use, store and copy it.

We may disclose your identity to third parties where required by law or where content infringes rights.

Viruses

We do not guarantee that our site is secure or free from viruses.

You must use your own virus protection software.

You must not introduce malicious code or attempt unauthorised access to our systems. Breaches may constitute criminal offences.

Linking to our site

You must not introduce malicious code or attempt unauthorised access to our systems. Breaches may constitute criminal offences.

You must not frame our site or link to any page other than the homepage.

We may withdraw linking permission at any time.

Third-Party Links

Links to third party sites are provided for information only. We have no control over their content and accept no responsibility for them.

Applicable law

If you are a consumer, these Terms are governed by English law. You may bring proceedings in England and Wales, or in your country of residence (Scotland or Northern Ireland).

If you are a business, these Terms and any disputes are governed exclusively by English law and jurisdiction.

Complaints

As Unite FS provides non regulated mortgage services, complaints relating to our activities cannot be referred to the Financial Ombudsman Service.

If you wish to raise a complaint, please contact:

Unite FS Email: info@unitefs.co.uk Phone: +44 (0)203 411 4743

Regulatory Status

Unite FS provides non regulated mortgage and property finance broking services. We do not provide regulated residential mortgage advice or regulated insurance advice. Products arranged through Unite FS do not benefit from Financial Conduct Authority protections.