Website Terms and Conditions

Welcome to te website of Latent Defects, a UK building warranty broker and trading name of Finance Delta Ltd. an FCA registered insurance broker. By using our website, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before using our site. If you do not agree with any part of these terms, you should not use our website.

1. Definitions

1.1 "Company" refers to Finance Delta, trading as "Latent Defects", registered at 105 Farringdon Road, London EC1R 3BU.
1.2 "Website" refers to www.latentdefects.co.uk.
1.3 "User" refers to any individual or entity accessing our Website.
1.4 "Services" refers to the brokerage services provided by the Company, including but not limited to building warranty brokerage.

2. Use of the Website

2.1 You must be at least 18 years old to use our Website and Services.
2.2 By accessing and using the Website, you agree to comply with all applicable laws and regulations.
2.3 You agree not to use the Website for any unlawful purpose or in any way that could harm the Company or any third party.

3. Services

3.1 The Company acts as an intermediary to facilitate the provision of building warranties from various warranty providers.
3.2 The Company does not provide warranties directly but connects Users with suitable warranty providers based on their requirements.
3.3 All warranties are subject to the terms and conditions of the respective warranty providers. The Company is not responsible for any warranty provider's performance, terms, or conditions.

4. Intellectual Property

4.1 All content on the Website, including text, graphics, logos, images, and software, is the property of the Company or its licensors and is protected by UK and international copyright laws.
4.2 You may not reproduce, distribute, or create derivative works from any content on the Website without prior written consent from the Company.

5. Privacy Policy

5.1 Our Privacy Policy, which explains how we collect, use, and protect your personal information, is incorporated into these terms by reference. By using the Website, you agree to the terms of the Privacy Policy.

6. Limitation of Liability

6.1 The Company strives to ensure that the information on the Website is accurate and up-to-date, but we do not warrant the completeness or accuracy of the content.
6.2 The Company will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or Services, including but not limited to loss of data or profits.

7. Indemnity

7.1 You agree to indemnify and hold the Company, its directors, employees, and agents harmless from any claims, liabilities, damages, losses, or expenses arising out of your use of the Website or Services, or your violation of these terms.

8. Amendments

2.1 You must be at least 18 years old to use our Website and Services.

9. Governing Law

9.1 These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact Information

10.1 If you have any questions or concerns about these terms and conditions, please contact us at:

Finance Delta Ltd
105 Farringdon Road
London
EC1R 3BU

By using our Website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

Last Updated: May 2024