Terms of Use

1. Acceptance of Terms

By accessing and using the OSL Financial Services website ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site or services. We may revise these terms at any time by updating this page. Your continued use of the Site following any changes indicates your acceptance of the revised terms.

2. About Our Service

OSL Financial Services operates a mortgage broker introduction service. We connect UK customers with authorised mortgage brokers and advisers. We do not provide mortgage advice, financial advice, or regulated financial services directly. All mortgage advice, product recommendations, and lending decisions are provided by the independent, FCA-authorised brokers and advisers we introduce you to.

3. Eligibility

Our services are intended for use by individuals resident in the United Kingdom who are aged 18 or over. By using our Site, you represent and warrant that you meet these eligibility requirements.

4. Use of the Site

You agree to use our Site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. Prohibited behaviour includes:

• Using the Site in any way that causes, or may cause, damage to the Site or impairment of its availability or accessibility.
• Using the Site in any way that is unlawful, fraudulent, or harmful.
• Transmitting any data or material that contains viruses, trojan horses, worms, or other harmful programs.
• Attempting to gain unauthorised access to the Site, server, or network.

5. No Financial Advice

The information on our Site is provided for general information purposes only and does not constitute financial, legal, or professional advice. We recommend that you seek independent professional advice from a qualified, FCA-authorised mortgage adviser before making any financial decisions. OSL Financial Services is not responsible for any decisions or actions you take based on information obtained through our Site or through any broker we introduce you to.

6. Broker Introductions

When you use our service to request an introduction to a mortgage broker, we will share the personal information you provide with the relevant broker so they can contact you and assess your requirements. Brokers we work with are independent third parties. We do not control their services, advice, or lending decisions. You should verify the FCA authorisation status of any broker before proceeding.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of OSL Financial Services or its licensors and is protected by UK and international copyright and intellectual property laws. You may not reproduce, modify, distribute, or republish any content from this Site without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, OSL Financial Services shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this Site or our services. This includes, but is not limited to, any loss of profit, business interruption, or loss of information. Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, or for fraud or fraudulent misrepresentation.

9. Third-Party Links

Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10. Privacy

Your use of our Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using our Site, you consent to the collection and use of information in accordance with that policy.

11. Governing Law

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact Us

If you have any questions about these Terms of Use, please contact us at info@osl-fs.co.uk.