Terms of Service
Version 2026-07-17 · Last updated 14 August 2026
These terms form a contract between you and Mortevo Ltd. By creating an account or using the Mortevo platform you accept them. Read them alongside our Privacy Policy and Cookie Policy.
1. The service
Mortevo is a UK lender-discovery platform for FCA-regulated mortgage brokers. Ask Mortevo interprets natural-language case descriptions and returns candidate lenders using a deterministic matching engine over structured lender criteria. Matches are guidance only — they are not a lending decision, an offer of finance, or financial advice. Always verify criteria with the lender before submitting a case.
2. Accounts and eligibility
- Broker firms must be FCA-authorised or an appointed representative of an authorised principal. Firm accounts are reviewed by Mortevo before activation.
- Individual brokers and paraplanners must be invited by an activated firm.
- Lenders and BDMs must represent a real, regulated (or exempt) lending entity. Lender profiles are reviewed before publication.
- You must keep your account credentials confidential and notify us immediately of unauthorised access at security@mortivo.co.uk.
3. Acceptable use
You must not, and must not allow anyone else to:
- Upload personal data of applicants, borrowers or third parties into Ask Mortevo prompts. Use anonymised case facts only.
- Reverse-engineer, scrape, or use automated means to extract lender data at scale.
- Impersonate a lender, BDM, firm or individual.
- Use the platform to spam brokers, lenders or Mortevo staff.
- Upload unlawful, infringing, defamatory or malicious content.
4. Content responsibility
Lenders are solely responsible for the accuracy, completeness and currency of the criteria, products, rates and BDM contact details they publish. Mortevo performs deterministic validation and admin review, but does not underwrite or guarantee any lender data. Brokers must independently verify criteria and product availability with the lender before advising a client or submitting an application.
5. AI & automated processing
Ask Mortevo uses third-party large language models to interpret prompts. Outputs may occasionally be incomplete or incorrect. The matching engine that ranks lenders is deterministic and rules-based — it is not itself an AI decision. Mortevo makes no automated decision that has legal or similarly significant effect on you or a client (Article 22 UK GDPR).
6. Fees
Mortevo is currently free to use during the beta period. Paid plans, if introduced, will be presented before you upgrade and will not apply retroactively.
7. Intellectual property
The platform, brand and structured criteria taxonomy are owned by Mortevo. You retain ownership of the data and documents you upload but grant Mortevo a worldwide, royalty-free licence to host and process them solely to provide the service.
8. Liability
To the maximum extent permitted by law, Mortevo is not liable for lending decisions made by lenders, advice given by brokers, or financial loss arising from reliance on match results. Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
9. Suspension and termination
We may suspend or terminate an account that breaches these terms, presents a security or compliance risk, or has been inactive for more than 24 months. You can close your account at any time by emailing privacy@mortivo.co.uk. Personal data is deleted according to the schedule in our Privacy Policy.
10. Changes
When we materially change these terms we bump the version above and notify active account-holders by email. Continued use after the effective date constitutes acceptance.
11. Governing law
These terms are governed by the laws of England & Wales. Disputes are subject to the exclusive jurisdiction of the courts of England & Wales.