Terms & Conditions
General terms and conditions of use of this website
Use of this site
By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth below (the “Terms and Conditions”). If you do not agree to abide by the Terms and Conditions, do not use the site or download materials from the site. Communications regarding this Website should be directed to our contact information found on our Contact Us page
RCS Mortgages (Trading Style of) Brighter Mortgage Solutions Group Ltd (“The Company”)
Please be advised that the product information set forth on this web site are provided for information only and are subject to change by The Company at any time without notice.
This site may contain inaccuracies and typographical errors. The Company does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. Any reliance on such advice, opinion, statement or other information shall be at your own risk.
The site, the information and materials on the site and the software made available on the site are provided “as is” without representation or warranty of any kind to the fullest extent permissible pursuant to applicable law, including but not limited to implied warranties of non-infringement, merchantability, satisfactory quality or fitness for a particular purpose.
Furthermore The Company accepts no responsibility or liability for, and makes no warranties that, functions contained at this site will not be interrupted or error-free or that defects will be corrected.
Please note that some jurisdictions do not allow the exclusions of implied warranties, so some or all of the above exclusions may not apply to you.
Sites or pages, which are linked to this site, are for information only; The Company has not reviewed them. The Company has no responsibility for the content of sites or pages linked or linking to this site and The Company accepts no responsibility or liability for any losses or penalties whatsoever that might be incurred as a result of linking to any location on any linked sites or pages.
Links do not imply that The Company or this site sponsors, endorses or is associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site or page is authorised to use any trademark, trade name, logo or copyright symbol of The Company or any of its subsidiaries or its or their parent companies.
Information provided by you
You agree that any information which you or individuals acting on your behalf provide to The Company will not be considered confidential or proprietary and that by giving such information to The Company you grant to The Company an unrestricted, worldwide, royalty-free licence to use, reproduce, transform and distribute such information.
You agree not to submit to The Company (whether via this site or by any other means) any materials which:
Libel, defame, invade privacy, or are obscene, pornographic or harassing;
Infringe any intellectual property rights, including copyrights, of any third party;
Violate any law or regulation;
Advocate illegal activity; or
Advertise or otherwise solicit funds or are a solicitation for goods or services.
Limitation of Damages
In no event will The Company or any of its subsidiaries or its or their parent companies be liable to you for any direct, special, indirect, consequential, incidental damages or any damages of any kind even if The Company has been advised of the possibility thereof. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so the limitation or exclusion may not apply to you.
Choice of Law
The terms and conditions are governed by and shall be construed in accordance with the laws of England and Wales.
Illegality of terms
If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms and conditions are intended to be effective, then to the extent and within the jurisdiction which that term or condition is illegal, invalid or unenforceable, it shall be severed and deleted from that clause and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable.
The Company reserves the right, at its sole discretion, to change, modify, add or remove any portion of these terms and conditions in whole or in part, at any time. Changes to these terms and conditions will be effective when notice of such change is posted on this site.
Copyright and Limited Licence
©RCS Mortgages (Trading Style of) Brighter Mortgage Solutions Group Ltd. All rights reserved.
This site and all content included on it (such as graphics, logos, icons, text and images) is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of the site.
Subject to these General Terms and Conditions of use of this Website the Company grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon for your personal use.
All proprietary rights remain the property of The Company or, where used by The Company under licence, third party copyright owners. Downloading material from the site is permitted in order to make one hard copy only, provided that such a copy includes any copyright or other notices contained in any such information.
You may not otherwise copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to create derivative works from, transmit or in any way exploit any part of this site.
This site may require you to reveal information about yourself. This may be in order to respond to your requests, answer your enquiries more effectively, and improve the content of the site or to conduct internal marketing analysis. When information is needed, we will try to let you know at the time of collection how the information will be used.
We reserve the right to provide your information to other businesses or former businesses of The Company.
Links within this site to other sites not operated by The Company are not covered by this policy.
Last updated 01/09/2021
By visiting The Company website and all brands associated, you are accepting and consenting to the practices described in this Privacy Notice.
Controllers of personal information
Any personal information provided to or to be gathered by The Company is controlled primarily by The Company
Collection and use of personal information about customers
The information we learn from customers helps us personalise and continually improve your experience. We use the information to communicate with you about products, services and promotional offers, update our records and generally maintain your personal details with us. We also use this information to improve our website and platform, prevent or detect fraud or abuses of our website and enable third parties to carry out technical, logistical or other functions on our behalf.
Here are the types of information we gather
Information you give us: we receive and store any information you enter on our website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our features.
E-mail communications: Upon registration to a competition or subscription to our publication, if you do not want to receive e-mail or other mail from us, please inform us straight away. You will have this option on the registration form.
Does The Company share the information they receive?
Information about our customers is an important part of our business and we are not in the business of selling it to others.
What information can I access?
The Company keeps all customer records on a secure server located in a remote area. The information kept on record can be changed on request by the administrator. Please contact the administrator via the contact form on our contact us page.
Conditions of use, notices and revisions
If you choose to visit The Company website, your visit and any dispute over privacy is subject to this Privacy Notice and our disclaimer, including limitations on damages and application of the laws of England. If you have any concern about privacy at The Company, please send a thorough description to the contact page and we will try to resolve it.
Our business changes constantly and you should check our website frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your registration. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.
Information you give us
The only information you give us to be stored on file for access to certain and specific areas of our website are via registration. Other contact via email may be stored internally for future reference, service improvement and to maintain a clear customer record of events and communications. All information kept is strictly for business use only.
Cookies & Third Party Disclaimer
What is a cookie?
A “cookie” is a text file containing small amounts of information which is stored on your computer, tablet or mobile (device) when you visit a website.
There are different types of cookies which are used to do different things, such as letting you navigate from page to page on a website efficiently, remembering preferences you have given a website, and improving your overall experience. Others are used to measure the number of site visits and the most popular pages visited, and may be used to provide you with advertising which is more tailored to your interests.
Some cookies are placed on your computer only for the duration of your visit to a website and these are called “session” cookies. These automatically expire when you close down your browser. There is another type of cookie known as “persistent”. These cookies remain on your device for a period of time.
Please note that cookies can’t harm your computer. We do not store personally identifiable information in cookies The Company creates, but we do use encrypted information gathered from them to help improve your experience of this website.
We’re giving you this information as part of our initiative to comply with recent legislation, and so that you can manage cookies as required.
If you would like more information on cookies please visit:
The cookies The Company use, cannot be used to identify you personally.
These pieces of information that we gather are used in the following ways:
The Company will use a third party data analytics to monitor and analyse traffic to, from and within our website.
Some pages on this site may also contain content embedded from, for example Vimeo, and you tube which sets its own cookies to track traffic to that particular video.
Types of Cookies
First Party Cookies:
First party cookies are set by the website, you are visiting and they can only be read by that site.
Third Party Cookies:
Third party cookies are set by a different organisation to the owner of the website you are visiting. For example, the website might use a third party analytics company who will set their own cookie to perform this service. The website you are visiting may also contain content embedded from, for example YouTube, Vimeo or Flickr, and these sites may set their own cookies. The Company does not control how these cookies are used and you should check the relevant third party’s website for more information.
Session Cookies are stored only temporarily during a browsing session and are deleted from the users device when the browser is closed.
This type of cookie is saved on your computer for a fixed period and is not deleted when the browser is closed. Persistent cookies are used where we need to know who you are for more than one browsing session.
How do I control how my browser interprets cookies?
All recent versions of browsers allow you to control how cookies are stored on your device. You can set your browser to accept or reject all cookies, or only accept certain types of cookies. Please note that some of the cookies necessary to enable you to move about the site, and if you disable them you may not be able to visit certain areas of the site or access certain content. For more information on how to control cookies please visit: www.allaboutcookies.org/manage-cookies/
Cookies Used By Us
To ensure the website works correctly,
To remember any preferences you may have given the website, and
To collect anonymous data which allows The Company to see how people arrive at our website and which content is viewed.
How To Manage Cookies
The Companys’ cookies do not store personal information such as names and addresses, they simply enable The Company website to work properly and allow The Company to collect anonymous data about how our website is used so we can use it for continuous improvement.
However, if you would prefer to restrict, block or delete cookies from our or any other website, you can use your browser to do this. Each browser is different, so check the ‘Help’ menu of your particular browser (or your mobile phones handset manual) to learn how to change your cookie preferences.
Please bear in mind that if you do this, some features of this website may not function correctly or may not be provided to you.