1. Introduction

We, Octopus Real Estate, (“Octopus”, "we" or "us"), would ask that you take the time to read these Terms and Conditions carefully. They explain a number of things including, for example, the rules covering your use of this Website as well as other information regarding your rights. By using octopus-realestate.com (the " Website "), you'll be confirming that you have read and understood and agree to these Terms and Conditions. These Terms and Conditions may change from time to time and, if they do, the up-to-date version will be available on this Website. We will indicate at the bottom of these Terms and Conditions when they were last updated.

Please ensure that you check these Terms and Conditions regularly to view any changes which may have been made, because by continuing to use the Website after these Terms and Conditions have changed, you will be confirming that you have read and understood, and agreed to be bound by, any revised Terms and Conditions.

2. About us

The Website is operated by Octopus Real Estate, which is a trading name of Octopus Property Lending Ltd (Reg No 7531926), Bridgeco Ltd (Reg No 6629989), Fern Trading Ltd (Reg No 6447318), Nino Ltd (Reg No 9015082), Octopus Healthcare Adviser Ltd (Reg 09082100), Octopus Healthcare Development Ltd (Reg No 03788979) and Octopus Co-Lend Limited (Reg No 8913299), all registered in England & Wales at 33 Holborn, London, EC1N 2HT, and Dragonfly Finance S.ar.l. (Reg No B189290) registered in Luxembourg at Parc d'Activité Syrdall, 6 rue Gabriel Lippmann, L-5365 Munsbach, Luxembourg. Octopus Co-Lend Ltd, Octopus Healthcare Adviser Ltd and Octopus Property Lending Ltd are authorised and regulated by the Financial Conduct Authority.

Octopus Real Estate is part of the Octopus Group.

3. Your information and privacy

For a more detailed explanation of how we will collect, use and store information relating to you, and our commitment to protecting your privacy or how we use cookies, please see our privacy policy and cookie policy.

4. Accessing our Website

The Website is made available to you free of charge.

We cannot guarantee to you that our Website will always be available or be uninterrupted. We allow access to the Website on a temporary basis, and we may suspend, withdraw, discontinue or change all or any part of the Website without notice.

In particular, our Website may be unavailable occasionally for maintenance, updating or otherwise. Where this happens we apologise for any inconvenience caused. However, we shall not be liable to you for any loss, damages or inconvenience resulting from such unavailability.

We take great care in seeking to present accurate, transparent and useful information to you as a user. However, as an open platform there is content on this Website which is not generated by us, for example third party content. Therefore, we should let you know that information on this Website might be out of date, incomplete, contain some errors or be in some way unreliable and we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date. You should also note that the content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.

Our Website is directed at users based in the UK. We do not represent that content available on or through our Website is appropriate for use in other locations.

If you have trouble using our Website with certain web browsers or other software or if you want to let us know how we can improve accessibility, please let us know by getting in touch. We appreciate your feedback as your suggestions can help us to improve our service.

5. If you have user account details

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly contact us at digital@octopusgroup.com.

6. Intellectual Property Rights

All text, graphics, audio, video or image files, content, software, applications and information displayed on or available from this Website, and all copyright, trade mark rights, design rights and other intellectual property rights in them (together, the " Proprietary Content ") are the property of Octopus Real Estate or other Octopus companies, our users, suppliers or licensors. This includes, without limitation, the organisation and lay-out of the Website and the underlying software.

By using the Website you're agreeing that Proprietary Content is available for personal use only and that you will not copy, reproduce, publish, distribute or dispose of in any way any Proprietary Content. Neither the Octopus name nor any other Octopus company name, trademark, logo or design may be used or copied in any manner.

Proprietary Content is protected by copyright laws and treaties around the world. All such rights are reserved.

Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged.

You must not use any part of the Proprietary Content for commercial purposes without obtaining a licence to do so from us or our licensors.

7. Viruses

We do not guarantee that the Website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the Website. You should use your own virus protection software.

You must not misuse the Website or knowingly introduce viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 or, if you are not accessing the Website from within the UK, the comparable legislation in the relevant jurisdictions. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identify to them to the extent permitted by law. In the event of such a breach, your right to use the Website will cease immediately.

8. Liability

8.1 Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

8.2 If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our Website or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  1. use of, or inability to use, our Website;
  2. use of or reliance on any content displayed on our Website;

In particular, we will not be liable for:

  1. loss of profits, sales, business or revenue;
  2. business interruption;
  3. loss of anticipated savings;
  4. loss of business opportunity, goodwill or reputation;
  5. indirect or consequential loss or damage.

8.3 If you are a consumer user:

Please note that we only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.