Homevest terms of service

These Terms were last updated on 1 November 2022.

These Terms set out the legal contract that applies when you, as a private individual, access or use services from https://homevest.io/ (the “Website”).

They apply together with our Website Terms of Use (which set out how you may use our Website) and our Privacy Policy (which sets out how we will use your data)

Your use of the Services (as defined below) will be subject to accepting these Terms. By using the Services, you are agreeing to abide by and be bound by these Terms. We’ve worked hard to make these Terms easy to understand and avoid legal jargon. Please read them carefully before proceeding to use our Services because they are legally binding.

Who is Homevest?

Our registered company name is Homevest Limited and we trade under the name Homevest ("Homevest", "we", "us", "our").

We are incorporated and registered in England and Wales with company number 13802806 and our registered office is at Regus Offices, 167 City Road, London, Greater London, United Kingdom, EC1V 1AW.

What do we do?

Homevest helps ex-patriots living overseas to purchase properties back in their home countries. The services we offer are set out in more detail on our Website and you can read about them by clicking here, but as an example may include mortgage brokerage advice, identity checks, bank introductory services and document translation ("Services").

How can I contact Homevest?

You can find out more information about how to contact by visiting our Contact Us page.

Do I need to meet any requirements before accessing and using the Services?

Before accessing our Services you must confirm that:

  • you are legally capable of entering into binding contracts,

  • you are between 18 and 65 years old,

  • you have EU or UK citizenship,

  • you do not have any criminal convictions, and

  • there are no defaults or County Court Judgements made against you.

How do I access and use the Services?

In order to access our Services you must input certain contact information (such as your name, telephone number, email address) and information relating to your current situation (such as your nationality, country of residence, home ownership position, future property investment plans, employment status and finances). Further details of the information we collect and how we use it is available in our Privacy Policy.

The information you submit will be used to create a profile with us and may be shared with our partner banks in accordance with our Privacy Policy.

How much does it cost to use the Services?

Access to our basic services is free of charge for all users.

Our paid services (Homevest Plus and Homevest Legal) require payment and you may opt to sign up to receive these at any point. The details relating to payment and when payment will be taken will be communicated before you sign up for such Services.

Homevest Plus costs 1% of the mortgage value upon successful completion of the mortgage. You will be presented with a contract to sign before any fee is due.

The cost of Homevest Legal will depend on your needs, and you will be presented with a separate contract detailing the cost.

Where you access paid-for Services, payment for such Services must be made by bank transfer, credit or debit card. We will automatically charge alternative payment methods associated with your profile if a primary payment method is declined or no longer available.

Payment details may be stored securely by a third party to allow recurring payment for future Services (and will be subject to the third party's terms of use which you should read). Further details are set out in our Privacy Policy. We do not have access to view your full credit or debit card details.

Where you have accessed paid-for Services, you have a right to change your mind and receive a refund provided you advise us of this no later than 14 days after the day we confirm your order for the paid-for Services by contacting us at [email protected]. Where you have done so, we will refund you by the method you used for payment as soon as possible and within 14 days of you telling us you've changed your mind. You cannot change your mind about any paid-for Services that are digital products, after you have started to download or stream these and you must also pay for any paid-for Services you received before you changed your mind.

Where you have accessed paid-for Services and there is a problem with the Services provided by us, you have certain rights. We must provide you with Services that are as described to you and meet certain legal requirements. If you experience any issues, please contact us at [email protected].

How do I terminate my use of the Services?

You can close down your profile or terminate your use of the Services at any time. If you wish to do this please Contact Us.

We reserve the right at our absolute discretion to close your profile at any time without giving any reasons for our decision. Such reasons may include (but not limited to) suspicion of fraud.

What happens if something goes wrong?

If we breach these Terms, we will only be responsible for the proportion of the foreseeable loss or damage you suffered to the extent caused by us and / or failing to use reasonable care and skill. By “foreseeable”, we mean either it is obvious that it will happen or if, at the time the contract was made, we both knew it might happen.

We accept no liability for:

  • Any loss, damage or injury arising as a result of the incorrect use of the Services.

  • Loss of profit, loss of business, loss of earnings, business interruption, or loss of business opportunity. Our products are currently provided direct-to-consumer only.

We do not exclude or limit our liability to you to the extent it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, fraud, or breach of your consumer rights.

How do you use my data?

We will only hold data you provide to us for the purposes it was given to us in the first place, for example, to introduce you to our partner banks.

To learn more about how we'll use your personal data, please read our Privacy Policy.

What laws apply to these Terms?

These Terms are governed by English law and you can bring legal proceedings in the English courts. If you live in Scotland you can bring legal proceedings in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in either the Northern Irish or the English courts.

Will these Terms change?

As we expand our Services and improve our offerings, we might make changes to these Terms. We will do this by uploading the latest version with a date confirming when they went live.

The new Terms will not affect any Services prior to the time of go-live of any new Terms but will apply to future Services that you receive after the time of such new Terms. You should print or save a copy of these Terms for future reference.

What do I do if I have feedback or a complaint?

We welcome any feedback you may have in respect of our Services and we will take complaints very seriously. If you would like to contact us in respect of our products (either good or bad) please Contact Us.

If you have contacted us with a complaint and you haven't heard from us as soon as you would like, please rest assured that your complaint is being dealt with by our customer service team will respond to you as soon as possible.