This website is operated by www.home-save.co.uk Limited (referred to as "Home-Save/we/our/us"). As a user of this website (referred to as "you/your") you acknowledge that your use of this website including (without limitation) accessing, viewing and otherwise using member only services ("use/using") is subject to our full terms and conditions below (which includes any other important hyper-linked sections e.g. Pricing/Fees and Discussion Forum Code of Conduct.


· Read through these terms and conditions carefully before using this website (and print a copy for future reference).
· Read our Website Data Protection Policy notice regarding our use of your personal information. 

By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website and exit now.


"Website" means the website located at
www.home-save.co.uk and "Content" includes all the information, material and services available within the Website.

The contents of this Website, including (without limitation) these terms and conditions, are subject to change by us at any time without notification. Any such changes will take effect when posted on the Website (see date at the top) and it is your responsibility to read the terms and conditions on each occasion you use this Website and your continued use of the Website shall signify your acceptance to be bound by the latest terms and conditions.

The Content on this Website are intended for use by residents of the UK only, and are not aimed at, or intended for use by residents of any other jurisdiction.

This Website is designed to be accessed through it's principle home page and such other principle pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You may be referred on certain pages to read important information which will contain product details and relevant legal or regulatory information and which should be read in conjunction with the appropriate pages.

If you choose to access certain services and products on this Website which require electronic submission of details (including, for example, submitting the mortgage application) you may receive an automated acknowledgement to confirm that your application is being processed. Unless expressly stated otherwise in that email, any such email is purely for acknowledgement purposes only and shall not constitute an offer or acceptance from us to provide you with any product or service. Any notification to you by Home-Save that is expressed to be in 'writing' shall be sent to you by either post or email.

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 the provision of financial, investment or other professional advice in any way.


We reserve the right to change the Joining and Membership appliacation methods at any time. We shall notify you in writing of any renewal fee and all such changes on the anniversary of your joining date and your continuing use of the Website and our products and services will constitute acceptance of such changes. We reserve the right to terminate your membership immediately without further notice if you do not accept any such changes or fail to pay our invoices when due. Any fees payable are inclusive of VAT (at the applicable rate) and shall be paid in full without deduction or withholding. 

Membership Cancellation Rights

The period of Membership has no limit, although if you suspend your membership for a period of 12 months, we will automatically terminate your membership without further notice to you.

We reserve the right to cancel membership if we deem (at our sole discretion) that your actions have been detrimental to the site as a whole. If you wish to complain about our exercising of any such rights please follow the complaints procedure as set out in these terms and conditions.

Discussion Forum/ News/ Blogs

By using the discussion forum you acknowledge that you have read and agree to adhere to the Code of Conduct which is also accessible in the discussion forum.

Code of Conduct

The contents within the discussion forum including (without limitation) the contents of specific postings) is provided by and is the responsibility of the member who submits that posting. We do not monitor the content of the discussion forum and take no responsibility for such content. We provide this discussion forum merely for members to have access to such content, as a service for members.

Discussion forums, by their very nature, make it possible for inaccurate or otherwise inappropriate material to become available, including for example, postings that have been incorrectly mislabelled or may be otherwise deceptive. By using the discussion forum you agree that you will use caution and common sense and exercise proper judgment when using and viewing the content.
By posting content on or through the discussion forum, you automatically grant us a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights.
In addition to the above, by using the discussion forum you agree and acknowledge the following:

· We do not endorse or otherwise support, represent or guarantee the truthfulness, accuracy, or reliability of any content posted in the discussion forum or endorse any opinions expressed in such content. You agree and acknowledge that you should not place any reliance on such content without independent and where necessary professional verification of such content and any reliance that you do place on content posted in the discussion forum will be entirely at your own risk.

· We do not control the information posted in the discussion forum, and we have no obligation to monitor the discussion forum. However, we reserve the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or any request to edit, refuse to post or to remove any content, in whole or in part, for any reason whatsoever, at our sole discretion.

· If we discover any posting that allegedly does not conform to any provision in these terms and conditions or Code of Conduct, we may investigate the allegation and determine in good faith and in our sole discretion whether to remove or request the removal of the posting. We will have no liability or responsibility for performance or non-performance of such activities. We reserve the right to terminate or restrict your access to the discussion forum at any time without notice for any reason whatsoever.

· You acknowledge that the discussion forum is not a private or confidential posting and that therefore others may read your posting. You are responsible for using common sense precautions to preserve your privacy for example, using caution when giving out any personally identifying information about yourself or your family/children.

· You agree that you are responsible for your own postings and for any consequences thereof. You agree to use the discussion forum to only make postings that are legal and related to the property club and you agree that when using the discussion forum, you will not undertake the following examples (which include without limitation):

Defame, abuse, harass, stalk, threaten or otherwise infringe the legal rights of others.

>Publish, post, upload, distribute or disseminate or offer to do the same ("Post") any inappropriate, defamatory, infringing, obscene, or unlawful material or information.
>Post any files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
>Advertise or offer to sell any goods or services for any commercial purpose or conduct or forward any surveys, contests, pyramid schemes or chain letters.
>Download any content Posted by another on the discussion forum that you know, or reasonably should know, that cannot be legally distributed in such manner.
>Restrict or in any way whatsoever inhibit or impair the use, availability and/or enjoyment of the discussion forum by others.
Intellectual Property

You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this Website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors.

You also acknowledge and agree that the material and content contained within this Website is made available for your personal non-commercial use only and that you may only download such material and content for the purpose of using this Website. You further acknowledge that any other use of the material and content of this Website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.

Limitation of Liability and Indemnity

Notwithstanding any provision to the contrary, nothing in these terms and conditions and in particular the provisions within this 'Limitation of Liability and Indemnity' clause excludes or limits our liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under applicable law. Nothing in this 'Limitation of Liability and Indemnity' clause affects any statutory rights you may have as a consumer.

We will use reasonable endeavours to verify the accuracy of any information on the Website but make no representation or warranty of any kind express or implied statutory or otherwise regarding the contents or availability of the Website or that it will be timely or error-free, that defects will be corrected, or that the Website or the server(s) that make it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the Website. We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website and we accept no liability of any kind for any loss or damage from action taken or taken in reliance on material or information contained on the Website.

You acknowledge that the information provided in this Website, is generic in nature and does not constitute any form of specific advice and is, therefore, not intended to be relied upon in making (or refraining from making) any specific investment, or other decision and that you will always take appropriate professional advice placing any reliance on content or information contained on the Website.

Except for any exclusive remedies that may be set out in these terms and conditions, any terms, conditions, undertakings and/or warranties (whether express or implied) relating to any products and/or services provided under or in connection with these terms and conditions are hereby excluded to the fullest extent permitted under applicable law.

Except as otherwise stated in these terms and conditions, we will not be liable either in contract, tort, negligence, statutory duty or otherwise out of or in connection with these terms and conditions and in no event will we be liable for any direct or indirect:

> Economic losses (including without limitation loss of; revenues, data, profits, contracts, use, opportunity, business or anticipated savings).
> Loss of goodwill or reputation.
> Special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with these terms and conditions. 

To the extent permitted under applicable law, our aggregate liability (whether in contract, tort or otherwise) for any loss or damage arising out of or in connection with these terms and conditions shall in any event be limited to a sum equal to the amount paid or payable by you for the current membership year in respect of one incident or series of incidents.

You agree to indemnify and keep us fully indemnified against any and all liability, loss, damage, costs (including legal costs) and expenses which we may incur or suffer whether direct or consequential (including without limitation any economic loss or other loss of profits, business or goodwill) as a result of any breach of your obligations set out these terms and conditions.

Website Data Protection Policy

You acknowledge that you have read the website data protection policy and understand that your personal information will be processed in the way described.

Complaints Procedure

A named person at Home-Save will deal with any complaint initially. The complaint will be recorded with name of customer, method of complaint e.g. letter, telephone call, date complaint received and appropriate action taken. If the complaint is passed on to another person, it will be tracked to ensure prompt action.

If the complaint cannot be resolved within a reasonable period of time, an acknowledgement will be sent to the member giving the named contact and a copy of the complaints procedure.

We strive to ensure that the complainant will receive a substantive response within ten working days, or a holding reply explaining when a substantive response will be made. Subsequent correspondence will be responded to within the same deadlines. If you have a complaint please contact us in writing.

Hyperlinks to Other Websites

To provide increased value to users of this Website, we may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

If you have concerns regarding any such websites, please let us know by providing as much information as possible about your concerns in writing.

Links from other websites

Any link to this Website without our written permission is prohibited. If you wish to link to this Website, please contact us in writing.

Password security

You are responsible for the security and proper use of your user name and passwords used from time to time in connection with the Website and must take all necessary steps to ensure that they are kept confidential, secure, used properly and not disclosed to unauthorised people. You must immediately inform us in writing if there is any reason to believe that your user name or password has or is likely to become known to someone not authorised to use it or is being or is likely to be used in an unauthorised way. 

If you forget or lose a password or user name you must contact us and satisfy such security checks as we may currently operate.
We reserve the right to suspend user name and password access to the Website if at any time we consider that there is or is likely to be a breach of security. We reserve the right (in our sole discretion) to require you to change any or all of the passwords used by you in connection with the Website.


The contract between us shall be governed by the laws of England and any dispute between us will be resolved exclusively in the courts of England. English is the only language offered for the conclusion of the contract.

We shall be under no liability for any delay or failure to deliver products and/or services or otherwise perform any obligation as specified in these terms and conditions if the same is wholly or partly caused whether directly or indirectly by circumstances beyond our reasonable control.

You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party unless agreed upon in writing by us.

We reserve the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of our rights or obligations under these terms and conditions or any related contract to any third party including (without limitation) to any purchaser of our business.

If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected.

These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party (within the meaning of the U.K. Contracts (Rights of Third Parties) Act 1999) except:

1. Home-Save shall have the right to enforce and take the benefit of the rights or benefits of any limitation or exclusion or limitation of liability in these terms and conditions;
2. A person who is a permitted successor or assignee of the rights or benefits of these terms and conditions may enforce such rights or benefits. 

No delay or failure by us to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Home-Save.

These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and us relating to the use of this Website and sets forth the entire agreement and understanding between you and us for your use of this Website.