Terms of use

This website is free to use, for information purposes only, but must not be taken as financial advice.

Financial advice will normally incur a fee - for more information please contact your adviser.

If you are unsure of anything or else would like more information please call 0333 300 1874 or else make contact using the button below.

Terms and Conditions of use

1. Who we are

This website is operated by Ipothica Limited. Ipothica Limited is registered in England and Wales with company number 11609612 and is authorised and regulated by the Financial Conduct Authority (the FCA). Our FCA number is: 823347. Ipothica Limited is an Appointed Representative (FCA Number 823347) of New Leaf Distribution Ltd., who are authorised and regulated by the Financial Conduct Authority. FCA number 460421. Co registration Number 5520001.

Ipothica Limited's registered office address is:

Ipothica Limited,

Kemp House,

160, City Road,




You can contact Ipothica Limited on 0333 300 1874.

Full details can be obtained here.

2. Terminology

In these Terms of Use pages we refer to "our", "us" and “we”. This means Ipothica Limited.


Where we refer to "borrowers", "customers", "clients", "landlords", "plan-holders", "policyholders" or "you", these are references to you the user of this website.

3. Privacy

By using this website and if you then subsequently contact us, you agree to our Privacy Statement which you can access here.

4. Complaints

In the event that you wish to complain, you agree to abide by our complaints procedure which you can access here.  

5. Who may use this website

This website is intended for individuals who have attained age 18 and are resident in the UK only or else are a UK expatriate. This website and it's contents cannot be viewed as an offer or solicitation to conduct financial business in any jurisdiction other than the UK. Individuals who are resident in or else are citizens of countries other than the UK will be bound by local legislation applicable to them.

You may only use this website for lawful purposes. You may not use this website that is against national or international laws and/or regulations. 

6. Provision of Advice

Information provided on this website is purely for general information purposes only. Use of this website does not constitute personalised mortgage, financial, investment or professional advice. You should always
obtain advice from a qualified financial adviser before making any investment decision.

Information relating to taxation matters are for information purposes only. You should always obtain advice from a fully qualified accountant before making any decision which could impact your tax affairs or those of your business.

Information relating to legal matters are for information purposes only. You should always obtain advice from a fully qualified solicitor before making any decision which could legally impact you or your business.

Every effort is made to ensure that all of the content on this website is correct. However we cannot guarantee this will always be the case. It is your responsibility to verify that any content you use is accurate, complete and up-to-date before making any decision based upon it. We will not be liable to either you or anyone else for any loss or damage suffered in connection with the content provided on this website.


7. Intellectual Property

Copyright and intellectual property rights in any material including text and images produced on this website is either our intellectual property or is permitted by the rights owner(s) for use by us on this website. Those works are protected by copyright laws and treaties globally. All such rights are reserved.


You may only print off one copy and download extracts of any content from this website for your personal use. You must not modify any copies of content in either printed or downloaded form in any way, and you must not use any images other than as they are displayed here. If you quote any text from this website you must identify us as the source when used.

You are only permitted to use this website and any content as set out in these terms of use. You must not
use any part of the content on our site for commercial purposes without having first obtained our consent in writing. If you either print, download or copy any content of this site in violation of these terms of use you must destroy any copies of the materials you have made. 

8. Changes to this website

At our sole discretion we will update and change our website at various times including changing the format and content of the website.

This includes amending our terms of use. Any amended version will apply as soon as it is posted on this website. Each time you wish to use our site, please do check you understand the terms that apply at time of use.

We do not guarantee that this website and any of the content on it will always be available to you and we cannot guarantee that access to the website will be available at all times. You agree that this website may be interrupted and that your use of it may be restricted or unavailable in certain circumstances.

9. Jurisdiction


These terms of use are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except:

  • if you are resident of Scotland you may initiate proceedings in Scotland

  • if you are a resident of Northern Ireland you may initiate proceedings in Northern Ireland.

10. Acceptance of this terms of use

By using this website you confirm that you accept these terms of use and that you agree that you will fully comply with them. You cannot use this website if you do not agree to these terms of use.


Please feel free to print a copy of these terms of use for your future reference.