TERMS OF USE
Thank you for visiting theequityreleaseguide.co.uk.
These Terms of Use set out important information about who we are and the conditions that apply when using our website and services. By accessing or using this website, you agree to be bound by these Terms. Please read them carefully.
Information About Us
The Equity Release Guide is a trading name of Smarter Clicks Marketing Ltd, a company registered in England and Wales.
Company number: 11794658
Registered office:
Smarter Clicks Marketing Ltd
85 Great Portland Street
First Floor
London
W1W 7LT
United Kingdom
Smarter Clicks Marketing Ltd is an Appointed Representative of Creative Finance Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 702435).
Smarter Clicks Marketing Ltd’s Appointed Representative reference number is 1046043.
All financial promotions and regulated content published on this website are approved by Creative Finance Ltd. Smarter Clicks Marketing Ltd is responsible for the operation of the website, marketing activity, and enquiry handling.
Our Services
We introduce consumers to carefully selected, FCA-authorised equity release advisers or brokers who are able to provide advice on or arrange equity release products.
When we use the term “our approved specialists”, this refers to the regulated equity release firms we have approved to handle enquiries.
We do not provide financial advice. Any regulated advice or product recommendations are provided by an authorised adviser at the firm you are introduced to. If you require personalised financial advice, you should consult a qualified and regulated financial adviser.
Accessing and Using Our Website
Access to our website is provided on a temporary basis. We reserve the right to withdraw, suspend, or amend the service we provide without notice. We will not be liable if our website is unavailable for any reason.
You are responsible for making the necessary arrangements to access our site and for ensuring that anyone who accesses it through your internet connection is aware of and complies with these Terms.
Intellectual Property Rights
All content and material on this website (including text, branding, layout, and design) are owned or licensed by Smarter Clicks Marketing Ltd, unless otherwise stated.
You may print or download extracts for your personal, non-commercial use only. You may not reproduce, distribute, or modify any content without our prior written permission.
Service Limits
Smarter Clicks Marketing Ltd does not act as a lender.
Our role is limited to providing information and introducing your enquiry to an appropriate FCA-authorised adviser or broker.
All lending and product availability are subject to status, affordability, and the policies of the regulated adviser or lender you are introduced to. We cannot guarantee that you will be offered a loan, equity release product, or other financial service.
Reliance on Information
Content on this website is provided for information purposes only and does not constitute financial advice.
While we take reasonable care to ensure that content is accurate and up to date, we make no guarantees that information will always be complete or current.
Liability
To the fullest extent permitted by law, Smarter Clicks Marketing Ltd excludes all conditions, warranties, and representations that might otherwise apply.
We will not be liable for any loss or damage arising from your use of this site or reliance on its contents, including indirect or consequential losses.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
Communications
By using our services, you agree that we and our approved partners may contact you by telephone, SMS, email, or post in connection with your enquiry.
In some cases, we may use technology such as automation or artificial intelligence (AI) tools to assist with communications (for example, to help schedule calls or provide responses). All communications are designed to operate within compliance requirements, though occasional errors may occur. If you are ever unsure about a communication, you should contact us directly.
Complaints
We aim to provide a high standard of service. If you wish to raise a complaint, please contact:
Compliance Team
The Equity Release Guide
Smarter Clicks Marketing Ltd
85 Great Portland Street
First Floor
London
W1W 7LT
Email: info@theequityreleaseguide.co.uk
We will acknowledge and investigate your complaint promptly.
If your complaint relates to regulated activity, you may also have the right to escalate the matter to the Financial Ombudsman Service.
Viruses, Security, and Misuse
You must not misuse our website by knowingly introducing viruses, malware, or attempting to gain unauthorised access to our systems.
We accept no liability for any loss or damage caused by viruses or other harmful material that may affect your equipment through use of our website.
Third-Party Links
Our website may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them.
Applicable Law
These Terms of Use are governed by the laws of England and Wales (or Scots law if you are resident in Scotland). Any disputes will be subject to the exclusive jurisdiction of the courts of that jurisdiction.
Changes to These Terms
We may update these Terms of Use at any time by updating this page. You should check this page regularly, as any changes are binding once published.
Contacting Us
If you have questions about these Terms, please contact us at:
Email: info@theequityreleaseguide.co.uk
Regulatory Status
The Equity Release Guide is a trading name of Smarter Clicks Marketing Ltd, which is an Appointed Representative of Creative Finance Ltd, authorised and regulated by the Financial Conduct Authority (Firm Reference Number 702435).
Smarter Clicks Marketing Ltd’s Appointed Representative reference number is 1046043.
All financial promotions on this website are approved by Creative Finance Ltd.