These terms govern use of sidnell.uk. By continuing to use the website, you agree to these terms. If you do not agree, please stop using the website.
1. About this website
This website is operated for Matt Sidnell, a Mortgage and Protection Adviser working through My Simple Mortgage Ltd, trading as My Simple Mortgage.
My Simple Mortgage Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. My Simple Mortgage Ltd is registered in England and Wales with company number 09275345. Its registered office is The Mount, Etruria Road, Newcastle under Lyme, Staffordshire, ST5 0SU.
The website is intended for consumers based in the United Kingdom and is subject to the UK regulatory regime.
2. General information, not personal advice
Website articles, guides, examples and answers are provided for general information. They do not take account of your full circumstances and do not constitute a personal mortgage, protection, legal, tax or investment recommendation.
A personal recommendation can only be made after an appropriate fact find and assessment. Booking or attending an initial discovery call does not itself create an adviser and client relationship or amount to advice.
3. Mortgage and protection services
Any mortgage or protection service is subject to separate client documentation, including the relevant terms of business, privacy information, service scope, fees and regulatory disclosures. If there is a conflict between these website terms and formal client documentation, the formal client documentation takes priority for the regulated service.
Mortgage and protection availability, eligibility, costs and terms depend on individual circumstances, provider requirements and assessment. Nothing on this website guarantees approval, a particular rate, a saving, acceptance of income or the suitability of any product.
The Financial Conduct Authority does not regulate some forms of Buy To Let mortgage.
4. Accuracy and changes
Reasonable care is taken when preparing website content. Mortgage markets, provider requirements, legislation, tax rules and regulatory guidance can change, and website information may not always be complete or current. You should obtain appropriate advice before acting on information that could affect your financial position.
Content, services and these terms may be changed, suspended or withdrawn without notice where reasonably necessary.
5. External websites and services
The website links to services operated by other organisations, including Cal.eu, WhatsApp, Google and regulatory or information websites. External services are provided under their own terms and privacy policies. A link does not mean that we control, endorse or accept responsibility for the external service or its content.
Take care not to include sensitive financial, identity or medical information in ordinary booking notes, WhatsApp messages or other unsecured communications.
6. Acceptable use
You must not misuse the website, attempt to bypass security, introduce malicious code, interfere with availability, collect information unlawfully, impersonate another person or use the content for an unlawful or misleading purpose.
Access may be restricted or withdrawn where reasonably necessary to protect the website, its users or the business.
7. Intellectual property
Unless stated otherwise, the website design, written content and Matt Sidnell brand materials are owned by or licensed for use by Matt Sidnell or My Simple Mortgage Ltd. My Simple Mortgage and third party names, logos and materials remain the property of their respective owners.
You may view and print reasonable extracts for personal, non commercial use. You must not reproduce, alter, republish, sell or present website content as your own without prior permission or another lawful basis.
8. Responsibility and liability
Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation. Your statutory consumer rights are not affected.
Subject to those protections, we are not responsible for loss caused by relying on general website information as if it were personal advice, by information or services supplied by an external provider, or by events outside reasonable control. We do not guarantee that the website will always be available, uninterrupted, secure or free from errors.
9. Privacy
Use of personal information is explained in the privacy policy. External providers may process information under their own privacy notices.
10. Governing law and contact
These website terms are governed by the law of England and Wales. If you are a consumer resident elsewhere in the United Kingdom, you retain any mandatory protections and rights available under the law that applies to you.
Questions about the website can be raised with Matt Sidnell on 07723 994 463. Questions or complaints about a regulated service are handled under the complaints process provided with the client documentation.