2. How we collect data about you and your use of this website or our services
3. Services outside authorisation
Our brokerage service only services UK customers and properties in the UK. We will be able to provide advice on residential, buy-to let mortgages, consumer buy-to let mortgages, buy-to let limited companies, company SPVs and second charge mortgages. We do not allow execution-only mortgages or expat mortgages.
Koodoo reserves the right to suspend its services in the event that any actions are deemed unlawful, fraudulent, or abusive.
Please note that search results may differ on comparison websites and mortgage advice research documentation. Koodoo advisors will have access to a whole market set of products and will recommend the most suitable product available.
4. Company information
The Website and Services are operated by Koodoo.
Koodoo Financial Limited (referred to as “Koodoo”) has a company number of 11822219 and a registered address of Scale Space, 58 Wood Lane, London W12 7RZ. Koodoo Financial Limited is registered as a Data Controller and Data Processor with the ICO, with registration number ZA560572. Koodoo Financial Limited has a subsidiary company, Mortgage Power Ltd (registered company number 10978680) and Koodoo Advice Limited (registered company number 14651824).
This policy is also relevant for other trading names under Mortgage Power Limited, including Get Mortgage Rates, a website which uses Koodoo’s technology to provide mortgage comparison services. Within this policy all references to “Koodoo” refer to all subsidiaries and trading names within the group.
5. Company business
The business of Koodoo is the provision of financial, data and technical services in relation to mortgage comparison and provision.
Koodoo’s mortgage comparison service is free of charge to use for all customers. If you decide to proceed with Koodoo for mortgage advice and submit an application, a fee upon completion may apply; you must check and confirm with your broker that you are happy to proceed on this basis. If a fee is applicable, you will only need to pay it upon completion of your mortgage. As a mortgage intermediary operating as an Appointed Representative, we will receive commission from the lender. Lenders may charge a product fee, we’ll let you know about this when we recommend a product. If you decide to proceed with another broker, you must check carefully on any fees that apply.
6. Return, refund and cancellation policy
Koodoo does not have a refund, return and cancellation policy, but some of its activities may be regulated by the Consumer Credit Act 1974 (as amended) and customers have statutory rights of cancellation of agreements. We only charge a fee on completion of the mortgage; this ensures you only pay when your mortgage application is successful.
7. Access to the website
8. Intellectual property
Koodoo is the owner of all intellectual property rights in the Website and Services, as well as the material displayed on the Website or as part of our Services, withstanding intellectual property owned by our partners but reproduced by Koodoo as part of our Services with their permission. The printing of copies of any material, or the downloading of any aspects, from, the Website or Services is strictly prohibited except for the purposes of personal reference or research. A modification of any copies or downloads of any materials displayed on the Website or Services, or the use of any illustrations, photographs, video or audio sequences or any graphics displayed on the Website or Services separately from any accompanying text is strictly prohibited. Without limiting the generality of the above permissions, the use of any materials displayed on the Website or Services for commercial purposes without the express prior written consent of Koodoo (which Koodoo may or may not grant at its discretion and may grant subject to such conditions as Koodoo might in its absolute discretion determine) is strictly prohibited.
9. Obsolete material
Koodoo does not guarantee that any of the material displayed on the Website or Services from time to time is current or up to date, and will not be liable to any person, firm or corporation using the Website or Services for any loss or damage suffered or incurred as the result of the use of or reliance upon any material displayed on the Website or Services which is in whole or in part obsolete or not fully up to date. Koodoo is under no obligation to update any material currently displayed on the Website or Services.
10. Limitations of liability
11. User information
12. Viruses, hacking and other offences
The misuse of the Website or Services by the knowing or reckless introduction of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful is strictly prohibited. Attempting to gain any unauthorised access to the Website or Services, the server on which the Website or Services are stored or any further computer or data entry to the Website or Services is strictly prohibited. Any breach of the above provisions constitutes a criminal offence under the Computer Misuse Act 1990. If Koodoo becomes aware of any such breach, it will report the same to the relevant law enforcement authorities and will co-operate with those authorities by disclosing the identity of the person, firm or corporation responsible for the breach. Koodoo will not be liable for any loss or damage caused by any virus or other technologically harmful material that might affect the computer equipment of any user, any computer programmes data or other proprietary material arising from the use of the Website or Services or any material displayed upon them.
Links to the Website or Services are permissible, but not so as to create any impression of any association, approval or endorsement by Koodoo, or any association or connection between Koodoo and the user. The creation of a link to any part of the Website other than the homepage is strictly prohibited, similarly the link to any part of the Services other than the landing page is strictly prohibited. Koodoo reserves the right at anytime to withdraw permission to link to the Website or Services, whether generally or to specified users or categories of user. Any links contained on the Website or Services to other websites promoting goods or services provided by third parties are provided for information only. Koodoo excludes all liability for any loss or damage that any person, firm or corporation might incur as a result of the use of any such link or of any dealings with any third party entered into by the user by means of such link, or arising out of the acquisition or use by the user of any such goods or services.
15. Law and jurisdiction