Terms and Conditions

Effective Date: 02/06/2025

These Terms and Conditions (“Terms”) set out the rules for using www.leetonksmortgageguru.co.uk (“Website”) operated by Lee Tonks: Mortgage Guru (“we,” “our,” or “us”). By accessing this Website, you accept these Terms in full. If you disagree with any part, you must not use our Website.

1. Who We Are

This Website is operated by Lee Tonks, trading as Lee Tonks: Mortgage Guru. We act as an introducer only and do not provide regulated mortgage or protection advice ourselves. Instead, we connect users with qualified and FCA-authorised advisors who provide that advice.

2. Acceptance of Terms

By using our Website and services, you:

Confirm you are over 18 years of age;
Acknowledge that we do not provide financial advice directly;
Accept that use of the Website is subject to these Terms and our Privacy Policy and Cookie Policy.

3. Use of Services

No Financial Advice

The Website content, calculators, and tools are for informational purposes only. They do not constitute financial or legal advice. You should always seek advice from a qualified, regulated professional.

Introductions to Brokers

We may introduce you to FCA-authorised advisors, either independent or through firms we have a commercial relationship with. We are not liable for the advice given by those advisors.

4. Fees

Use of this Website is free. If we earn a referral fee or commission from a third-party advisor, this comes at no cost to you.

5. Intellectual Property

All content on the Website is owned or licensed by us. You must not reuse or copy it without our written permission.

6. User Obligations

You agree not to:

Use the Website for unlawful or fraudulent activity;
Submit false or misleading information;
Introduce malicious software or interfere with the Website’s operation.

7. Third-Party Links

Our Website may contain links to other websites. We are not responsible for their content or availability.

8. Limitation of Liability

We are not responsible for:

Financial decisions you make based on Website content;
Any damages resulting from interactions with third-party advisors;
Website downtime or data loss.

9. Changes and Termination

We reserve the right to:

Modify these Terms at any time;
Change or withdraw services without notice;
Terminate access for any misuse of the Website.

10. Governing Law

These Terms are governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Us For any questions about these Terms, please contact us at hello@leetonksmortgageguru.co.uk