Terms of Service

The agreement between Mortgage Broker Hub and organisations using our platform.

Mortgage Broker Hub

Last updated: 24^th February 2026

1. Who we are

Mortgage Broker Hub (referred to as "Mortgage Broker Hub", "we", "us" or "our") provides a web application that enables mortgage advisers to upload payslips, extract data using AI tools, review that data and download summary outputs, as well as search lending criteria across UK lenders using AI-powered tools.

Legal entity details:

Legal name: Mortgage Broker Hub
ICO registration number: ZC076800
Email: team@mortgagebrokerhub.co.uk

These Terms of Service (the "Terms") govern your access to and use of our website at https://www.mortgagebrokerhub.co.uk/ and our related web application and services (together, the "Service").

By creating an account, accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

These Terms are intended for professional mortgage and financial advisers / intermediaries only and not for consumer/retail use.

2. Eligibility and scope

The Service is for use only by professional users, such as mortgage advisers, brokers, or firms authorised to provide mortgage advice or related services.
By using the Service you confirm that:
- You are at least 18 years old;
- You are using the Service in the course of your business or profession, not as a consumer;
- You have authority to bind the firm or organisation on whose behalf you are using the Service.
If you are using the Service on behalf of a firm, references to "you" include both you personally and that firm.

3. Description of the Service

The Service consists of the following tools:

3.1 Payslip Analysis

The payslip analysis tool allows you to:

Upload up to three months' worth of payslips and related documents for your clients;
Have the data in those documents extracted using AI tools hosted on third-party cloud infrastructure (Google Cloud Platform and AI models via Vertex AI, specifically Google's Gemini Pro 2.5);
Review, edit and approve the extracted data within the app;
Generate summary outputs (for example, a PDF report and an Excel spreadsheet) for download;
Have each case automatically deleted from the live system within 1hr after completion, subject to technical and legal constraints (see Clauses 6, 8 and 9).

3.2 Lender Criteria Search

The lender criteria search tool allows you to:

Search lending criteria across 100+ UK lenders by asking questions in plain English;
Receive AI-generated comparison tables showing lender verdicts, key conditions and policy details;
View source citations referencing each lender's own published criteria; and
Use the results to support (but not replace) your own research, professional judgement and advice to clients.

Lender criteria information is compiled from publicly available sources and is updated regularly, but may not always reflect the very latest changes made by individual lenders. You must always verify criteria directly with the relevant lender before making lending decisions or providing advice to clients.

We may update, improve or modify features of the Service from time to time.

No financial, credit or regulatory advice.

The Service is a tool to assist you. It does not:

Provide financial, legal, tax or regulatory advice;
Replace your professional judgement, underwriting or compliance processes; or
Make lending decisions or assess affordability on your behalf.

You remain fully responsible for all advice and recommendations you give to your clients.

Prohibition on processing data of minors.

The Service must not be used to process payslips or personal data relating to individuals under 18 years of age. If you discover that you have uploaded such data, you must immediately notify us and delete it from the Service.

4. Account registration and security

You may need to create an account to use the Service. You must provide accurate, current and complete information and keep it up to date.
You are responsible for:
- Keeping your login details confidential;
- Ensuring that only authorised personnel in your organisation have access; and
- All activity that occurs under your account.
You must notify us promptly if you suspect any unauthorised access or security breach related to the Service or your account.

5. Uploading documents and client data

You may upload client payslips and related information ("Client Data") to the Service. You confirm that:

You have obtained all necessary consents and authorisations from your clients to upload and process their information using third-party cloud and AI providers;
You have a lawful basis under applicable data protection laws (such as the UK GDPR and Data Protection Act 2018) to process the Client Data in this way;
The Client Data you upload is accurate and not misleading; and
The Client Data does not relate to individuals under 18 years of age.

You must not upload:

Documents or data you are not legally entitled to use;
Any material that is unlawful, fraudulent, offensive or otherwise inappropriate; or
Malicious code, viruses, or anything intended to harm our systems or other users.

You acknowledge that Client Data will be processed and temporarily stored within the European Union using third-party service providers including:

Cloud infrastructure providers (Google Cloud Platform);
AI model providers (Google's Gemini Pro 2.5 accessed via Vertex AI); and
Payment processors (such as Stripe) for billing information, where applicable.

All data processing takes place within EU data centres. Personal data is not transferred outside the European Union.

Details of how we handle personal data are set out in our Privacy Policy, which forms part of these Terms.

6. Data processing, retention and deletion

Operational processing.

Uploaded payslips and related documents are processed to extract relevant data and generate summary outputs. This may include automated processing using AI models.

Retention within the app.

We delete each case (including uploaded documents and extracted data) from the live application environment within 1hr after the case has been completed or closed.

Some data (for example, account details, billing records, audit logs or backup copies) may be retained for longer where necessary for:

Legal or regulatory obligations;
Fraud prevention and security;
Accounting and record-keeping; or
System integrity and disaster recovery.

Backups and logs.

Technical backups and logs may continue to exist for a limited period beyond deletion from the live system. These are subject to strict access controls and periodic deletion in accordance with our data retention schedule.

Your responsibility to retain outputs.

You are responsible for downloading and securely storing any reports, spreadsheets or other outputs that you need to retain for your files, compliance or audit purposes before the deletion period expires.

7. Your responsibilities

You acknowledge and agree that you are solely responsible for:

The Client Data you upload;
Reviewing and verifying the extracted data and reports for accuracy and completeness; and
Any decisions, advice, recommendations or actions you take (or fail to take) based on outputs from the Service.

You must ensure that use of the Service by you and your staff complies with:

All laws and regulations applicable to your business (including FCA rules, where relevant);
Any obligations you owe to lenders, clients, networks or principal firms; and
These Terms and our Privacy Policy.

You must not rely on the Service as your sole form of verification. You should always apply your own professional judgement and checks.

Regulatory compliance (no responsibility).

We do not provide compliance, legal or regulatory advice and we are not responsible for ensuring that your use of the Service, or any advice, documentation or recommendations you provide to your clients, comply with the rules or expectations of the FCA or any other regulator, network or principal firm. You remain solely responsible for your own regulatory permissions, conduct, documentation standards and compliance frameworks.

8. Payment Terms

8.1 Subscription Model

The Service operates on a subscription basis.
Available plans and pricing are displayed on our website and may be updated from time to time.
Subscription plans and associated fees (the "Fees") are payable in accordance with your chosen plan.
Fees are charged in GBP (£) unless otherwise stated and may be subject to applicable taxes.

8.2 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor.
By subscribing, you authorise us (and Stripe) to charge your selected payment method at each applicable billing interval.
You must provide valid, complete and up-to-date payment information and keep it current at all times.
Subscription fees are billed in advance on a recurring basis in accordance with your selected plan.

8.3 Billing and Renewals

Subscriptions automatically renew at the end of each billing period unless cancelled in accordance with Clause 8.4.
Where reasonably possible, we will notify you of upcoming charges or renewals in advance (for example by email or via the Service).
You are responsible for all charges incurred under your account, including any charges incurred by users authorised by you.

8.4 Cancellation and Refunds

You may cancel your subscription at any time through your account settings or by contacting us as described in these Terms.
Cancellation will take effect at the end of the current billing period, and you will normally retain access to the Service until that time.
Except where required by law, we do not provide refunds for partial billing periods, unused time or downgrades during a billing period.
Nothing in this Clause affects any mandatory statutory rights you may have under applicable law.

8.5 Price Changes

We reserve the right to modify subscription prices or introduce new charges.
We will give you at least 30 days' advance notice of any price increase by email and/or via the Service.
Price changes will take effect from the start of your next billing period following the end of that notice period.
If you do not agree to a price change, you must cancel your subscription before the new price takes effect. Your continued use of the Service after the price change becomes effective constitutes acceptance of the new pricing.

8.6 Failed Payments

If a payment attempt fails, we may:
- Attempt to notify you (for example by email); and
- Retry charging your payment method on one or more occasions.
We may suspend or restrict access to the Service until any outstanding amounts are successfully collected.
If payment continues to fail after a reasonable period or multiple attempts, we may terminate your subscription or account in accordance with these Terms.

9. Intellectual property

We (or our licensors) own all intellectual property rights in and to:
- The Service and website;
- The software, interfaces, designs, text, graphics and logos; and
- Any underlying technology and documentation.
Except as expressly stated in these Terms, you are granted no rights in respect of such intellectual property.
We grant you a limited, non-exclusive, non-transferable licence to access and use the Service for your own internal business purposes whilst your subscription is active.
Subject to the rights of your clients and other third parties, you retain ownership of the Client Data and the reports/spreadsheets generated for you by the Service. You grant us a non-exclusive licence to use the Client Data solely as necessary to provide, maintain and improve the Service.

Use of data for service improvement.

We may use aggregated, anonymised or de-identified data derived from use of the Service to improve, develop and enhance the Service. Such data will not identify you or your clients and will not be shared with third parties except our service providers who assist with these improvements.

AI model training.

We do not use Client Data to train AI models. Our configuration and agreement with Google Cloud Platform prohibits the use of your data for training Google's AI models, including Gemini Pro 2.5. Client Data processed through Vertex AI is used solely to generate outputs for your immediate use and is not retained by Google for model improvement or training purposes.

10. Acceptable use

You must not:

Use the Service in any way that is unlawful, fraudulent or misleading;
Attempt to copy, reverse engineer, decompile, modify or create derivative works of the Service;
Interfere with or disrupt the integrity or performance of the Service or any related systems;
Attempt to gain unauthorised access to the Service or other accounts;
Use the Service to develop a competing product or service;
Use the Service to process any data in breach of data protection laws or confidentiality obligations; or
Share your account credentials with unauthorised third parties or allow access by individuals outside your organisation without our prior written consent.

We may suspend or terminate your access where we reasonably believe you are in breach of this Clause 10 or any other part of these Terms.

10A. Fair Usage Policy — Lender Criteria Search

The lender criteria search tool is subject to the following fair usage limits:

Monthly query allowance. Each subscription includes up to 300 lender criteria search queries per calendar month (the "Monthly Allowance"). A "query" means a single search request submitted to the lender criteria search tool.
Allowance reset. Your Monthly Allowance resets at the start of each billing cycle. Unused queries do not carry over to the following month.
Exceeding the allowance. If you reach your Monthly Allowance, access to the lender criteria search tool will be paused until the start of your next billing cycle. All other features of the Service (including payslip analysis) will remain available and unaffected.
Monitoring. We monitor query volumes to ensure fair use across all subscribers and to maintain service quality and performance.
Prohibited use. You must not use the lender criteria search tool for automated, scripted or bulk querying, or in any way that is designed to systematically extract or replicate the underlying lender criteria data. Such use constitutes a breach of these Terms and may result in immediate suspension or termination of your account.
Changes to limits. We reserve the right to adjust the Monthly Allowance from time to time. We will give you at least 30 days' advance notice of any reduction in your allowance by email and/or via the Service.

Free trial users receive a limited number of complimentary searches as stated on our website. The fair usage limits above apply to paid subscription plans only.

11. Third-party services and AI outputs

The Service relies on third-party providers, including but not limited to:

Cloud hosting providers (Google Cloud Platform);
AI model providers (Google's Gemini Pro 2.5 accessed via Vertex AI); and
Payment processors (Stripe).

We do not control these third-party services and are not responsible for:

Their availability or performance; or
Any acts or omissions of those third parties.

AI-generated outputs - accuracy disclaimer.

AI-generated outputs may at times:

Contain inaccuracies or omissions;
Misread or misinterpret certain documents, especially if the quality is poor or non-standard;
Fail to extract all relevant information; or
Require correction by you.

You acknowledge that AI technology, while powerful, is not infallible. You must carefully review and verify all outputs before relying on them or providing them to clients or lenders.

12. Service availability and support

We will use reasonable skill and care to provide the Service and aim for a high level of availability. However, we do not guarantee that the Service will always be:
- Uninterrupted;
- Error-free; or
- Free from security incidents.
The Service may be temporarily unavailable due to:
- Maintenance or updates;
- Failures of third-party infrastructure or networks; or
- Events beyond our reasonable control.
We will use reasonable efforts to notify you of any significant outages or planned maintenance where practical.

12A. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to:

Acts of God, flood, drought, earthquake or other natural disaster;
Epidemic or pandemic;
Terrorist attack, civil war, civil commotion or riots;
Nuclear, chemical or biological contamination;
Collapse of buildings, fire, explosion or accident;
Failure of public or private telecommunications networks or third-party hosting services; or
Acts or omissions of government or regulatory authorities.

We will notify you of any force majeure event and resume performance as soon as reasonably practicable.

13. Warranties and disclaimers

To the fullest extent permitted by law, the Service is provided on an "as is" and "as available" basis.
We do not warrant that:
- The Service will meet your specific requirements;
- The outputs will be accurate, complete or suitable for any particular purpose; or
- The Service will be free from errors, defects, vulnerabilities or interruptions.
You are responsible for ensuring that the Service is suitable for your business needs and for complying with all legal and regulatory obligations applicable to you.
Nothing in these Terms excludes any implied warranties or conditions that cannot be excluded under applicable law.

14. Limitation of liability

14.1 Nothing in these Terms shall limit or exclude our liability for:

Death or personal injury caused by our negligence;
Fraud or fraudulent misrepresentation; or
Any other liability that cannot be excluded or limited under applicable law.

14.2 TO THE MAXIMUM EXTENT PERMITTED BY LAW, we shall not be liable to you for any:

Indirect, incidental, special, consequential or punitive damages;
Loss of profits, revenue or business opportunities;
Loss of data or information (including Client Data), except to the extent directly caused by our failure to use reasonable care and skill;
Business interruption;
Cost of substitute goods or services; or
Professional liability, regulatory penalties, fines or sanctions you may incur in connection with your own advice, conduct or regulatory obligations,

in each case whether arising in contract, tort (including negligence), breach of statutory duty or otherwise, even if we have been advised of the possibility of such losses.

14.3 Reasonableness.

You agree that the exclusions and limitations of liability set out in this Clause 14 are reasonable and reflect the nature of the Service, the use of third-party providers and the level of the Fees.

15. Indemnity

You agree to indemnify and hold us harmless from and against any claims, damages, losses, costs and expenses (including reasonable legal fees) arising out of or in connection with:

Your use of the Service in breach of these Terms;
Any Client Data you upload, including any allegation that such data is unlawful or infringes the rights of a third party;
Your failure to comply with applicable laws, regulations or professional obligations; or
Any advice, recommendation or service you provide to your clients based on outputs from the Service.

16. Suspension and termination

You may stop using the Service at any time and, where applicable, cancel your subscription in accordance with Clause 8.4.
We may suspend or terminate your access to the Service (in whole or part) if:
- You materially breach these Terms and, where the breach is remediable, fail to remedy it within 7 days after we notify you;
- You fail to pay any Fees when due and do not remedy that within 14 days of notice; or
- We reasonably believe your use of the Service may cause harm, involve fraud or breach applicable law.
On termination or expiry:
- Your right to access the Service will end immediately;
- We may delete or anonymise Client Data in accordance with our data retention practices; and
- Any provisions which by their nature should continue (including payment obligations, IP, limitations of liability and indemnities) shall survive.

Data retrieval before termination.

If you cancel your subscription or we terminate your account, you should download all necessary outputs and data before the termination date. We are not obliged to provide access to data after termination, though we may assist at our discretion and subject to any applicable fees.

17. Changes to these Terms or the Service

We may update these Terms from time to time (for example, to reflect changes in the law or in our Service).
We will notify you of any material changes by posting the updated Terms on our website and/or by email at least 14 days before they take effect.
If you continue to use the Service after the changes take effect, you will be deemed to have accepted the updated Terms. If you do not agree, you must stop using the Service and cancel your subscription.

18. Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim.

19. General

Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations in connection with any business restructuring, sale or transfer.
No waiver. No failure or delay by either party in exercising any right under these Terms shall constitute a waiver of that right.
Entire agreement. These Terms, together with our Privacy Policy and any plan-specific terms, constitute the entire agreement between you and us relating to the Service and supersede any prior agreements or understandings.
Third-party rights. Nothing in these Terms confers any right on any third party under the Contracts (Rights of Third Parties) Act 1999.

20. Contact us

If you have any questions about these Terms or the Service, please contact us at:

Email: team@mortgagebrokerhub.co.uk
Website: https://www.mortgagebrokerhub.co.uk/