Terms of Service

Last Updated: January 15, 2026

1. Acceptance of Terms

By accessing and using the Adverse Mortgages website (the "Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Adverse Mortgages (operated by Kieran Peterson) reserves the right to make changes to these Terms of Service at any time. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

2. Service Description

Adverse Mortgages is a lead generation service that connects individuals with adverse credit histories to FCA-regulated mortgage brokers. We do not:

• Provide mortgage advice
• Arrange mortgages directly
• Act as a mortgage broker or lender
• Guarantee mortgage approval
• Guarantee any specific mortgage terms or rates

Our service is limited to collecting your information and sharing it with specialist mortgage brokers in our network who may be able to assist you.

Primary Broker Partner:

You will be contacted by Essex Money, an Appointed Representative of TMG Direct Limited (FCA Number: 456085), which is authorised and regulated by the Financial Conduct Authority. Additional specialist brokers in our network may also contact you.

3. Use of Website

3.1 Permitted Use

You agree to use the Website only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the Website. Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any person
• Obscene or offensive language or content
• Disrupting the normal flow of dialogue within our website
• Attempting to gain unauthorized access to our systems
• Transmitting obscene or offensive content

3.2 Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of Adverse Mortgages or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, or display any content without our prior written permission.

3.3 User Accounts

If you create an account or provide information through our Website, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account information
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Lead Generation Process

4.1 Information Submission

When you submit the consultation form, you authorize us to:

• Collect and store your personal information
• Share your information with FCA-regulated mortgage brokers in our network
• Allow these brokers to contact you regarding mortgage options

4.2 Broker Contact

By submitting your information, you consent to being contacted by mortgage brokers via:

• Email
• Telephone
• SMS (if provided)
• Post

Contact Frequency:

Brokers may contact you multiple times to discuss your mortgage application and answer questions. If you wish to stop receiving contact from a broker, please notify them directly or contact us at [email protected] and we will ensure your request is communicated.

You may opt out of contact at any time by contacting the broker directly or notifying us at [email protected].

4.3 No Guarantee of Approval

Submission of your information does not guarantee:

• Mortgage approval
• Favorable mortgage terms or rates
• Contact from any specific broker
• That you will qualify for a mortgage

Mortgage approval depends on the broker's assessment of your application and their lending criteria.

5. Limitation of Liability

5.1 Disclaimer of Warranties

The Website and all content are provided on an "as-is" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of content

5.2 Limitation of Damages

To the fullest extent permitted by law, Adverse Mortgages shall not be liable for:

• Direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or use
• Damages arising from unauthorized access to or alteration of your data
• Damages arising from your submission of information or use of the Website

This limitation applies regardless of the form of action or the basis of the claim.

5.3 Maximum Liability

In no event shall Adverse Mortgages's total liability exceed the amount you have paid to us (if any) in connection with the service.

6. Third-Party Links and Content

Our Website may contain links to third-party websites. We are not responsible for:

• The content, accuracy, or practices of third-party websites
• Any damages or losses caused by your use of third-party websites
• The privacy policies or terms of service of third-party websites

Your use of third-party websites is at your own risk and subject to their terms and conditions.

7. Indemnification

You agree to indemnify and hold harmless Adverse Mortgages, its owners, operators, and employees from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Website
• Your submission of false or misleading information
• Your violation of these Terms of Service
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights

8. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in England and Wales.

9. Dispute Resolution

9.1 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve any dispute informally by contacting us at [email protected].

9.2 Formal Proceedings

If informal resolution is unsuccessful, any legal action or proceeding shall be brought exclusively in the courts of England and Wales.

10. Termination of Service

We reserve the right to terminate or suspend your access to the Website at any time, without notice, for:

• Violation of these Terms of Service
• Illegal activity
• Fraudulent information submission
• Abusive behavior
• Any other reason at our sole discretion

11. Modifications to Service

Adverse Mortgages reserves the right to modify, suspend, or discontinue the Website or any part of it at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.

12. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms of Service, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Adverse Mortgages regarding your use of the Website and supersede all prior agreements and understandings.

14. Contact Information

For questions about these Terms of Service, please contact us:

End of Terms of Service