These terms are the agreement between you and FAO Media Ltd (trading as The Homebuyers Club, company 13826044, 29a High Street, West Wickham, England, BR4 0LP) for using the Homebuyers Club app and website. By creating an account you agree to them.
1. The service, and what it is not
The app helps you plan to buy your first home: a Ready Score, a deposit tracker, borrowing and repayment estimates, an area finder, a step-by-step journey, guides and an Ask assistant. Everything it shows is general information and guidance based on the numbers you enter and public data.
It is not financial advice, mortgage advice or a lending decision. We are not authorised by the Financial Conduct Authority and we do not arrange mortgages or insurance. Personal advice about your mortgage comes only from a regulated broker, which we can introduce you to. Prices and figures are estimates and may be wrong for your situation. Always check with a professional before making decisions.
2. Who can use it
You must be 18 or over and live in the United Kingdom. One account per person. Keep your sign-in email secure; you are responsible for activity on your account. Tell us at support@thehomebuyersclub.co.uk if you think someone else has used it.
3. Free to join. Always.
Members never pay to use the app. We earn money from partners and brand partnerships, as explained on our “How we make money” page. Paid placements in the app are marked “Sponsored”.
4. Partners
When you ask us to connect you with a partner, we introduce you and pass on the details shown on that screen. The partner's service is a separate agreement between you and them, on their terms. We choose regulated partners with care, but we are not responsible for their advice, products, prices or conduct, and we do not receive or handle your money. If a partner pays us a fee, you never pay more as a result.
5. Your numbers
The app relies on what you enter. Keep it accurate and up to date. We do not verify your income, deposit or credit history. Your Ready Score is not shared with lenders and does not affect your credit file.
6. Fair use
Do not misuse the app: no automated access, scraping, attempts to reach other members' data, reverse engineering, or use of the Ask assistant to generate unlawful or abusive content. We may suspend or close accounts that break these terms.
7. Our content
The app, its guides, scoring method, design and trade marks belong to FAO Media Ltd or our licensors. You may use them for your own homebuying and share our public guides with friends. You may not copy or resell them.
8. Availability and changes
We aim to keep the app available at all times but cannot promise it. We may change, add or remove features, and we will give notice of changes that matter. We may end the service with at least 30 days' notice, during which you can download your data.
9. Our responsibility to you
Nothing in these terms limits your rights as a consumer or our liability for death, personal injury caused by our negligence, fraud, or anything else the law does not allow us to limit. Otherwise, because the service is free and provides general information only, we are not liable for losses that come from relying on figures in the app, from a partner's service, or from events outside our reasonable control.
10. Ending your account
Delete your account any time from Settings. It is immediate and cannot be undone. Your data is handled as described in our privacy notice.
11. Complaints and law
Complaints go to complaints@thehomebuyersclub.co.uk (see our complaints page). These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction, without affecting your right to bring a claim where you live in the UK.