Terms & Conditions

Introduction

These Terms and Conditions govern your use of our website and any services, products or content provided by us (referred to as “Website and Services”). Throughout this document, we refer to the Terms and Conditions as the “Terms”. A reference to “you” or “your” is a reference to the user of this Website and Services.

These Terms do not create any relationship or agreement between you and any other person, including our affiliates and third party service providers.

Who we are and how to contact us

We are Ahauz Limited (referred to in these Terms as “Ahauz”, “we”, “our” and “us”).

We are a company registered in England and Wales with company registration number 10206939. Ahauz Limited is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority with registration number 736655. Ahauz Limited is authorised and regulated by the Financial Conduct Authority with registration number 1004583. Our registered office is at 10 Orange St, Haymarket, London, WC2H 7DQ.

Our subsidiary, Ahauz Finance Limited, trading as Ahauz, is a company registered in England and Wales with company registration number 11835452 and is authorised and regulated by the Financial Conduct Authority with registration number 846554.

If you have any other questions or feedback about our Terms, please contact us at info@ahauz.com.

Who can be our customer

By using our Website and Services, you agree to accept all terms and conditions written in the Terms, so please make sure you take the time to read them. You must not use this Website and Services if you disagree with any of these terms and conditions.

You must live in the United Kingdom and be at least 18 years of age to use our Website and Services.

You must be accessing our Website and Services on your own behalf and shouldn’t access our Website and Services for someone else. You must keep your login and security details confidential. You are responsible for any use of our services using your login details, whether authorised by you or not.

We recommend that you download and store a copy of these Terms for future reference. They are a legally binding agreement between you and us.

Our services

Ahauz offers a home finance service and a home equity tracker service. The equity tracker service allows you to check the value of the equity you hold in your home and track it over time.

The home equity tracker service is provided for your personal use and for informational purposes only. It is not intended to be used as a substitute for professional financial or legal advice, and you should not rely on the information provided by our service to make any financial decisions. You are solely responsible for any decisions you make based on the information provided by our service.

To access the service, you need to register for an account. As part of this service, we perform a soft credit search to obtain information that will enable us to provide you with an accurate estimate of your home equity.

What is a “soft credit search”?

To provide you with the home equity tracker service, a soft credit check will be conducted on your credit file by us or our service providers. This search will not be visible to other lenders and will not have any impact on your credit score.

How often and for how long will a “soft credit check” be performed?

When you register with us, you authorise us to ask credit reference agencies for your credit data. This authorisation is called a “limited subject access request” and is made under section 13 of the Data Protection Act 2018 and article 15 of the General Data Protection Regulation (“GDPR”). To do this, we share some of your personal details with the credit reference agency, such as your name, date of birth and address.

As long as you continue to use our services, soft credit checks will be performed monthly. However, if you do not log in to your account for more than 364 days, we will consider you an inactive user. The soft credit checks will stop being performed, as we will discontinue providing you with our service and close and delete your account.

Before deleting your account, we will send you an email to inform you of our intention to do so. If we do delete your account, we may retain records or data pertaining to you in compliance with our Privacy Policy.

Per our Privacy Policy, we work with Credit Reference Agencies, namely TransUnion. TransUnion is TransUnion International UK Limited, a company registered in England and Wales with the number 3961870 and registered office at One Park Lane, Leeds, West Yorkshire, LS3 1EP. TransUnion International UK Limited, part of the TransUnion Information Group, is authorised and regulated by the Financial Conduct Authority under registration number 737740. If you want to find out more about how TransUnion uses your information, you can review their privacy notice.

At your request, we may make a referral to a third party, such as a mortgage intermediary, who can assist you with your financial needs. Please note that any such referral made by us is for your convenience only and does not constitute any endorsement or recommendation of the third party or its products and services. We do not guarantee the quality or suitability of any products or services provided by third parties that we may refer you to, and we are not responsible for any advice, services or products provided by them. If you decide to take a product or service from a third party that we have referred you to, we may receive a commission from that third party. However, we do not make any referrals based on the assumption of securing any commission.

If you do not want us to perform soft credit searches as part of our service, you can choose to opt-out by emailing us at info@ahauz.com or deleting your account. Please note that if you opt-out, we may be unable to provide you with our full range of services.

Please note that the home finance service offered by Ahauz is subject to separate terms and conditions, which you will need to agree to if you choose to use it.

We may make changes to the Terms, Website and Services

We may make changes to these Terms, and our Website and Services from time to time. These may include changes to features, content or scope of our service. We will notify you of any material changes to these Terms, our site or services, including changes that affect your rights or obligations, by sending you an email notification or by posting a notice on our website. For changes that do not affect your rights or obligations under these Terms and that constitute a mere update of information, we may choose not to notify you directly.

Every time you wish to use our site, please check these Terms to ensure you understand the terms that apply at that time. Please check this page from time to time to take notice of any updates made to the information here. By continuing to use our Website or Services after we post any changes to these Terms, you’ll be deemed to have agreed to these changes and agree to be bound by the updated Terms. If you don’t want them to apply to you, you must delete your account with us. We can help you with this, please contact us at info@ahauz.com.

Other terms that may apply to you

What happens to your personal information is covered under our Privacy Policy (which outlines how we manage your personal information) and our Cookie Policy (which sets out information about the cookies on our site). Please make sure you take the time to read them.

Availability

We aim to make our Website and Services accessible to you at all times, but we do not guarantee that our Website and Services, or any content on it, will always be available or will be uninterrupted. We may suspend access to our Website and Services without notice at any time for any reason, including to allow for maintenance and to update the content of the Website and Services. We shall not be liable if the Website and Services are not available at any time for any reason.

We reserve the right to suspend or discontinue our Services or any part of it at any time without notice. We also reserve the right to bar users from this Website and Services and/or restrict or disable their access or use of any or all elements of our services on a permanent or temporary basis at our sole discretion.

We may also suspend or terminate your access to the Website and Services or certain features of the Services if we consider there is or is likely to be a breach of security or your use is – or could be – fraudulent or detrimental to us or any other users.

Ahauz reserves the right to refuse access to any part of our Services in full to anyone for any reason at any time.

Our Website and Services are only for users in the UK

Our Website and Services are directed to people residing in the UK. We do not represent that content available on or through our Website and Services are appropriate for use or available in other locations.

Accuracy and non-reliance on information

We aim to ensure that the information provided on our Website and Services is up-to-date and accurate. However, we cannot guarantee this, and neither can we guarantee that it is suitable for your purpose. The information provided is not intended to amount to advice on which you should rely. Therefore, you must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Any information provided to you as part of our services is only as accurate, complete and up-to-date as the information supplied to us by you and the Credit Reference Agency. We don’t check the information we receive from you or third parties for accuracy, currency or completeness.

We cannot guarantee that the information we provide is timely or error-free. The information provided is subject to change without notice, and we are under no obligation to update it.

We do not assume responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user information, communications, or personalisation settings. We make no representations or warranties regarding the completeness, accuracy, reliability, suitability, availability, or timeliness of the information provided.

If you believe that any information provided by our Website or Services is inaccurate or incomplete, please contact us at info@ahauz.com so that we may investigate and take appropriate action.

We are not responsible for websites we link to

Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

We reserve the right to withdraw linking permission without notice.

Intellectual property rights

The “Ahauz” name and logos and all other brands, names, logos, marks and slogans on this Website are the trademarks or service marks of us or our licensors.

Unless otherwise stated, the copyright, database rights, and any other rights in all information, data, text, and images (together “Materials”) on this Website and the design and appearance of this Website are owned by us or licensed to us by our suppliers. You are permitted to use and download such Materials or extracts from this website to a local hard disk and print copies for your own internal, personal, non-commercial, private use only.

Except as we expressly permit, you must not in any way modify any Materials on this Website.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our Website will be secure or free from bugs or viruses. You must not misuse our Website by knowingly introducing material, code, or programs that are malicious or technologically harmful. You must not attempt to gain unauthorised access to, or attack, our Website, the server on which our Website is stored or any server, computer, or database connected to our Website.

You are responsible for configuring your information technology, computer programs, and platform to access our site. You should use your own virus protection software.

Disclaimer and limitation of liability

We cannot guarantee that our website is free from viruses or other malicious code and we do not accept liability in the event that your computer, software, or data is damaged. If any information contained on our Website is inaccurate, we exclude liability for loss to the extent allowed by law.

We provide access to our Website on the basis that all conditions, warranties, or other terms which might have effect between the parties or be implied or incorporated into this legal notice, whether by statute, common law, or otherwise, are hereby excluded, including, without limitation, the implied conditions, warranties or other terms as to the satisfactory quality, fitness for purpose or the use of reasonable skill and care.

We shall not be liable for any direct or indirect liability for any claims, losses, demands, or damages that you or a third party may incur in connection with using or not being able to use the Website. However, nothing in these terms shall impact our liability for:

1. Death or personal injury caused by our negligence; or
2. Fraud or fraudulent misrepresentation; or
3. Any liability, the extent of which cannot be excluded or limited under applicable law.

Which country’s laws apply to any disputes?

Please note that these Terms, their subject matter, and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.