The Winners and Losers of an Ever-changing Property Market
New year, new home. At least that’s what most of us were hoping for. Economic uncertainty however has had other plans for house buyers at the tail end of 2022. In 2022 we saw an all-time high in the price of mortgage rates with many homeowners finding themselves struggling to pay their new monthly fee and many buyers unable to get a mortgage at all.
It’s fair to say there have been far more losers in the property market than winners over the past six months. However, a window of opportunity has presented itself as of late. In contrast to the ever-changing mortgage rates that have become the norm in recent times, rates have fallen and as a result of this restrictions regarding affordability have eased. The main reason for the fall in rates can be summed up in one word – stability.
Despite longer-term uncertainty over the UK’s economic situation remaining prevalent, shorter-term prospects have been improved on the back of The Bank of England’s suggestion that interest rates may not increase as much as initially anticipated within public publications. On the back of this newfound optimism, the increased stability of the markets had a positive effect for lenders. Many lenders, who withdrew products at record rates upon initial Bank of England intervention, have felt more comfortable offering fixed-rate mortgages again. This increased competition within the market has had a positive impact on rates. Additionally, the stability has resulted in lenders being more comfortable with offering better fixed rates deals as a whole, particularly on fixed rates of five years and up.
Given the struggles that many potential buyers have had with increasing rates over recent times, it is important to note that whilst the increased affordability now available to buyers will help many people who may not have been in a position to purchase only a few months ago, the elephant in the room remains – house prices. Whilst there has been a slight decline in prices, house prices are still as high as ever in realistic terms and a slight drop in interest rates may do little to convince people to act on their increased affordability in the short term given the potential of a further decline in prices into later 2023.
All in all, many people will be asking the famous old question of ‘is now the right time to buy?’ given they may unexpectedly be in a position to buy. Ultimately, there is no right or wrong answer to this question. Whilst house prices are set to drop further into 2023, it is quite plausible that interest rates may increase higher than expected, at which point affordability may become a problem for potential buyers again. Given many of the inflationary measures present in driving interest rates are external factors, this is still a realistic outlook. When taking all this into consideration, buyers acting on their increased affordability may not be such a bad move.
What do you think? Let us know in the comment below!
Top Tips for Selling Your Home
Top Tips for House Viewings This Winter
Can I sell my house without an estate agent?
Covid-19 – Impact on UK property market
RealEstate Talk Limited is a private limited company formed, organized, and registered in the United Kingdom, bearing company number: 12834415, having its registered office at, Premier Business Centre 47-49 Park Royal Road London, NW10 7LQ.
We provide digital marketplace for our members so that they can advertise properties online. “Our members” include individual landlords, property investors, individual property buyers,
tenants, new homes developers and overseas property owners, property service providers such as mortgage advisors, solicitors, surveyors, removal, builders, architects etc. We are not an estate agency.
Please read this policy carefully to understand our practices with respect to personal data.
1.2. RealEstate Talk Limited is a data controller in respect of personal information that we process in connection with our business (including the products and services that we provide) either through the use of our website and/or mobile applications.
1.3. In this policy document, references to “we”, “us” or “our” are references to RealEstate Talk Limited. References to “you”, “your” and/or “yours” in this policy document are references to persons whose personal data are collected by us whether directly and/or indirectly through any third party.
2.1. As part of our business practices and the services we provide, we regularly receive personal data from you. You directly provide us with most of the data we collect. We generally collect your personal data in the following ways:
2.2. While ordinarily, you would provide us with your personal data directly, in some cases, we may collect data about you from other sources as follows:
We collect and process various categories of personal information at the start of, and for the duration of, your relationship with us. We limit the collection and processing of information to information necessary to achieve one or more of our legitimate purposes as identified in this policy document.
3.1. Personal information may include:
3.2. Personal data also includes data that you give us when you use our Services or register for an account with us
3.3. Personal data also includes data that we collect automatically when you use our Services or register for an account with us
3.4. Where permitted by law, we may process information about criminal convictions or offences and alleged offences for specific and limited activities and purposes, such as to perform checks to prevent and detect crime and to comply with laws relating to money laundering, fraud, terrorist financing, bribery and corruption, and international sanctions. It may involve investigating and gathering intelligence on suspected financial crimes, fraud and threats and sharing data between banks and with law enforcement and regulatory bodies.
3.5. We allow our users to engage in conversation through our messaging provision enabled in our mobile application(s). Please note that we do retain your messages in the ordinary course of providing our Services to you. Once your messages (including your chats, photos, videos, voice messages, files, and share location information) are delivered, they are stored on our servers. Your messages are stored in our central database. To improve performance, we may retain that content on our servers for a longer period.
4.1. We use the data we obtain from you (subject to choices you make) to
Additionally, we use the personal data we collect from you for a range of different business purposes and according to different legal bases of processing.
Below is a summary of how we use your data
4.2. We use the information we have, to operate and provide our Services, including providing customer support, and improving, fixing, and customizing our Services. We understand how people use our Services and analyse and use the information we have to evaluate and improve our Services, research, develop, and test new services and features, and conduct troubleshooting activities. We also use your information to respond to you when you contact us.
4.3. We verify accounts and activity and promote safety and security on our Services, such as by investigating suspicious activity or violations of our Terms, and to ensure our Services are being used legally.
4.4. We use the information we have to communicate with you about our Services and features and let you know about our terms and policies and other important updates. We may provide you marketing for our Services.
4.5. We do not currently allow third-party banner ads on our sites and mobile application(s). We will update this policy when we allow third-party banner ads.
4.6 We help users, who use our services, measure the effectiveness and distribution of their services and messages and understand how people interact with them on our Services.
4.7. We use your personal information to pursue our legitimate interests provided that such interests are not overridden by your interests or your fundamental rights and freedoms. We have implemented controls to balance our interests with your rights. This includes:
4.8. If you have given us your express consent, we may process your personal data for additional purposes. Additional purposes for which we may process your personal data may include:
You have the right to withdraw your consent at any time and we will honour the same.
5.1. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change, we will notify you and will allow a period of at least 30 days for you to raise any objections before the change is made. However, please note that in some cases, if you do not agree to such changes it may not be possible for us to continue to operate your account and/or provide certain products and services to you
6.1 You share your information as you use and communicate through our Services, and we share your information to help us operate, provide, improve, understand, customize, support, and market our Services. We may disclose your personal data to other members of the RealEstate Talk Limited corporate family and/or to third parties. This disclosure may be required for us:
6.2. We attempt to minimize the amount of personal information we disclose to what is directly relevant and necessary to accomplish the specified purpose. We do not sell, rent, or otherwise disclose your personal information to third parties for their marketing and advertising purposes without your consent.
6.3. We do not provide the phone numbers of the users on our website and/or mobile app. However, if you have used email address or phone number in the “Name” or “Nick Name” fields in your profile, this may be visible to other users of the website and/or mobile app. The in-built chat functionality can be used to communicate with other users of the website and/or mobile app. You may decide to share your contact details directly to other users via chat message however we do not recommend the same.
6.4. Users and businesses with whom you communicate may store or reshare your information (including your phone number or messages) with others on and off our Services.
6.5. We work with third-party service providers to help us operate, provide, improve, understand, customize, support, and market our Services. When we share information with third-party service providers in this capacity, we require them to use your information on our behalf in accordance with our instructions and terms.
6.6. If you interact with a third-party service linked through our Services, you may be providing information directly to such third party. Please note that when you use third-party services, their own terms and privacy policies will govern your use of those services.
6.7. We may also disclose your personal data to the following parties for the following purposes:
a) Financial institutions and partners: Third party financial institutions with whom we partner to offer financial products to you, for them to provide joint content and services (such as, registration, transactions, payment processing and customer support). These third-party financial institution partners will use your personal information to send you marketing communications only if you have requested their services. When you use any of our paid services, your data may also be disclosed to Stripe Payment Gateway. We encourage you to check their policies with regards to data management before using their services.
b) Law enforcement, legal proceedings, and as authorized by law:
6.9. Please note that all data mentioned herein including but not limited to Google user data are stored, shared, processed in the ways as mentioned in this document and not in any other way.
7.1. We will take appropriate technical and organizational measures against unauthorized or unlawful processing of your personal data and against accidental loss or destruction of, or damage to, your personal data in accordance with our internal security procedures covering its storage, access and destruction.
7.2. We will securely store your data in our Google Cloud store. Standard security provisions of Google Cloud Store will be in place. The database access is also secured using Google authentication service.
8.1. We retain your personal information for as long as necessary to provide the Services you have requested, or for other essential purposes such as complying with our legal obligations, resolving disputes, and enforcing our policies. We may retain your personal data for an additional period to the extent deletion would require us to overwrite our automated disaster recovery backup systems or to the extent we deem it necessary to assert or defend legal claims during any relevant retention period.
8.2. By providing you with products or services, we create records that contain your information, such as customer account records, activity records, etc Records can be held on a variety of media (physical or electronic) and formats.
8.3. We manage our records to help us to serve our customers well (for example for operational reasons, such as dealing with any queries relating to your account) and to comply with legal and regulatory requirements. Records help us demonstrate that we are meeting our responsibilities and to keep as evidence of our business activities.
8.4. Retention periods for records are determined based on the type of record, the nature of the activity, product, or service and the applicable local legal or regulatory requirements. We normally keep customer account records for up to 2 years after your relationship with us ends, whilst other records are retained for shorter periods. Retention periods may be changed from time to time based on business or legal and regulatory requirements.
8.5. We will delete your personal data when it is no longer reasonably required for the Permitted Uses as mentioned in Section 4 or you withdraw your consent (where applicable), provided that we are not legally required or otherwise permitted to continue to hold such data.
8.6. We may on exception retain your information for longer periods, particularly where we need to withhold destruction or disposal based on an order from the courts or an investigation by law enforcement agencies or our regulators. This is intended to make sure that the bank will be able to produce records as evidence if they are needed.
8.7 If you would like further information about how long we keep your information, please contact us at dataprotection@RealestateTalk.online)
We would like to make sure you are fully aware of all your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request us for copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request us to correct any information you believe is inaccurate. You also have the right to request us to complete the information you believe is incomplete.
The right to erasure – You have the right to request us to erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request us to restrict the processing of your personal data, under certain conditions as well as the right to lodge a complaint with supervisory authorities regarding the processing of your personal data.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request us to transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, or any questions or comments regarding this policy or our handling of your personal data, please contact us at our email (support@RealEstateTalk.online) or write us at:
Premier Business Centre
47-49 Park Royal Road
Please note that in some cases, if you do not agree to the way we process your information, it may not be possible for us to continue to operate your account and/or provide certain products and services to you.
9.2. Children’s Privacy: Our website(s) and mobile application(s) are general audience websites and not intended for persons below the age of 18. We do not knowingly collect personal information from users deemed to be children under their respective national laws.
www.RealEstateTalk.online (hereinafter referred to as the “Site”) and “RealEstateTalk” (herein after referred to as the “mobile app”) are provided to you by RealEstate Talk Limited, a private limited company, registered in the United Kingdom, bearing company number: 12834415, having its registered office at, Premier Business Centre 47-49 Park Royal Road London, NW10 7LQ.The Site and the mobile app along with all its features, services, software, hyperlinks, are owned, controlled, and managed exclusively by RealEstate Talk Limited
We provide digital marketplace for our members so that they can advertise properties online. “Our members” include individual landlords, property investors, individual property buyers, tenants, new homes developers and overseas property owners, property service providers such as mortgage advisors, solicitors, surveyors, removal, builders, architects etc. We are not an estate agency.
A reference to “you”, “your” and/or “yours” is a reference to the User of this Site and the mobile app including but not limited to registered and unregistered users.
A reference to “we”, “our”, “ours” and/or “us” is a reference to Real Estate Talk Limited.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE AND/OR ANY OF ITS APPS, FEATURES, SERVICES, SOFTWARE EITHER THROUGH THE SITE OR INDEPENDENTLY AS THEY ARE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND US.
RealEstate Talk Limited grants the user a non-exclusive and non-transferable licence to use this Site and the mobile app only for such purposes as are defined in these terms and/or for such other purposes that RealEstate Talk Limited may expressly grant to the user.
The grant of licence allows you to
Except as expressly permitted above or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
You may only use our website for your own personal and business purposes to the extent permitted under these terms and you must not use our website for any other purposes.
Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website. Unless you own or control the relevant rights in the material, you must not:
We reserve the right to restrict access to areas of our website, or whole of our website, at our discretion; you must not circumvent or bypass or attempt to circumvent or bypass to gain access.
You must access and use the Site and the mobile app only for legal, authorized, and acceptable purposes. The Site and the mobile app are offered for use by persons only, whether natural or legal and not by robots.
RealEstate Talk Limited is not a company providing Estate Agency services and neither does the Site and the mobile app intend to identify itself as an Estate Agent. The Site and the mobile app are also not to be used as a platform for “Estate Agents” to promote and further their business interests.
You agree that you will not use (or assist others in using) the Site and the mobile app or the services provided by us through the mobile app in ways that:
You agree that you must not:
The Site and mobile app contains copyright material, trade names and marks and other
proprietary information, including, but not limited to, text, software, photos and graphics, and may in future include video, graphics, music and sound (‘Content’). The Content is protected by copyright law, registered, and unregistered trademarks, database rights and other intellectual property rights.
You may download information from the Site or mobile app for your own personal use only.
Except as otherwise expressly permitted under copyright law, no copying, redistribution,
retransmission, publication, or commercial exploitation of downloaded material will be
permitted without our express permission or that of the copyright owner. In the event of any permitted copying, redistribution or publication of copyright material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyright material.
The Site and mobile app may contain information and/or intellectual property of Third Parties. You agree not to infringe the Intellectual Property of either this Site and the mobile app as well as that of any Third Party. You agree that you will not post any content and/or submit any information that infringes the rights of third parties. This includes, but is not limited to, content that infringes on intellectual property rights such as copyright, design and trademark
The Site and the mobile app may contain advertisements, information, symbols, images, audio and/or video representation from Third Parties which may be the exclusive Intellectual Property of the Third Party/Parties. You agree that you will not use, exploit and/or submit any information and advertisement which may infringe the intellectual property of the Third Parties.
Entitled parties, can report any advertisement and/or information submitted by you as an infringement on their rights, and submit a request for such advertisement and/or information to be removed. If a legal representative of the entitled party reports this to us in the correct manner, products infringing on the intellectual property rights will be removed by us without any prior notice to you.
RealEstate Talk Limited does its best to ensure that all information on the Site is accurate. If you find any inaccurate information on the Site, please let us know by sending an email to email@example.com and we will correct it if required following an internal review by RealEstate Talk Limited.
RealEstate Talk Limited gives no warranty or assurance about the content of the Site and mobile app. As the Site is under constant development its contents may be incorrect or out-ofdate and are subject to change without notice. While RealEstate Talk Limited makes every effort to ensure that the content of the Site and mobile app is accurate, RealEstate Talk Limited cannot and/or does not accept any liability for the accuracy of all content at any given point in time.
You agree that the contents on the Site are for general information and navigation purposes only. RealEstate Talk Limited takes no responsibility for any action, conduct or omission undertaken by you on the basis of any written, pictorial, audio and/or video representation on the Site. You agree that any reliance on any information provided on the Site, is on the basis of your own independent verification and satisfaction in relation to the accuracy of the information.
RealEstate Talk Limited makes every effort to ensure that its computer infrastructure is errorand virus-free but does not warrant that any material available for downloading from the Site will be free from infection, viruses and/ or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
The Site provides hypertext links to other sites operated by other people. Using such a link means you are leaving the Site. RealEstate Talk Limited takes no responsibility for, and gives no warranties, endorsements, guarantees or representations in respect of, linked sites. RealEstate Talk Limited is not responsible for the privacy practices, nor do we accept any liability in connection with the content of, such websites, including those of our group entities if any, which will in some cases have their own privacy policies tailored for the particular business practices in which they operate. Any concerns regarding any external link should be directed to its website administrator.
In addition to the above you and we both agree that nothing in these terms and conditions will:
The limitations and exclusions of liability set out here and elsewhere in these terms and
conditions are subject to the above and govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
It is further agreed between you and us that
RealEstate Talk Limited and its affiliates will not be liable to you in connection with this contract for any amount that exceeds
whichever is lower
You may link your website to the home page of the Site provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. RealEstate Talk Limited reserves the right on demand, as it in its discretion thinks fit, to direct you to remove any links to the Site from your website and you shall promptly comply with any such direction or any other lawful direction that we may give to you in relation to the placing of any such link on your website.
This Site contains links to websites operated by third parties. We have no control over their individual content. We give no warranties or representations as to the accuracy or completeness of any of the information appearing in relation to any linked websites. The links are for your convenience only. We do not recommend any products or services advertised on those websites. If you decide to access any third-party website linked from this Site, you do so at your own risk.
Our Site is available for browsing globally. However, the use of our Site and its services are directed only for people residing in the United Kingdom and the EU region. We do not represent that content available on or through our Site is appropriate for use in other locations. The Site is intended for the use of persons above the age of 18 only. By installing, downloading, and/or using the Site in any way or form, you consent and confirm that you are above the age of 18. If you are not above 18 years old, you must not use this site.
RealEstate Talk Limited is not responsible for any damages and/or losses incurred by you and neither does it guarantee the accuracy of the contents on the Site, in the course of your access to the Site from locations outside the UK and EU region.
Access to the Site through VPN and other such networks is not permitted and expressly
prohibited. RealEstate Talk Limited shall not be responsible for any damages and/or losses incurred by you for such access. Our Site is made available free of charge.
We do not guarantee that our Site, or any content on it, will always be available or be
uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We may also make changes to our site. We may update and change our site from time to time to reflect changes to our products, our users’ needs, and our business priorities. We will try to give you reasonable notice of any major changes.
You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
In addition to all the Terms contained within this agreement, you also agree to the specific terms in respect of the use of the mobile app
“RealEstateTalk”, the mobile app provides a platform for potential property buyers and sellers to connect directly with each other and transact directly without an estate agent. The mobile app aims to eliminate the use of middlemen to ensure direct transaction between buyers and sellers. Please note that neither RealEstate Talk Limited nor any of its affiliates provides or intends to provide any tax, legal and/or conveyancing services through the mobile app. You agree and confirm that any decision to either sell or buy a property is exclusively yours out of free will and independently of any coercion or otherwise from RealEstate Talk Limited. It is your duty to ensure that you comply with and adhere to all applicable laws in relation to any property transaction
The mobile app is available for download on Google Play Store and Apple App Store for free.
In order to use the mobile app, you consent to manually or automatically download and install updates to our mobile app. You also consent to receiving notifications, text messages and emails from us via the mobile app from time to time, as necessary to provide appropriate service to you.
The mobile app is available for download by user’s resident in the United Kingdom and European Union region only. The mobile app is intended for the use of persons above the age of 18. By installing, downloading, and/or using the mobile app in any way or form, you consent and confirm that you are above the age of 18. If you are not above 18 years old, you must not use this mobile app
In order to access all services and features of the mobile app you are required to register an account with us. Unregistered users will only have access to the basic features of the mobile app. You may or may not register with us.
You agree and confirm that you will not allow any other person to use your account to access the mobile app. You agree to indemnify RealEstate Talk Limited from all losses and claims that may arise out of unauthorised use of your account by any third party/parties.
You must notify us in writing immediately if you become aware of any unauthorised use of your account.
You must not use any other person’s account to access the mobile app unless you have that person’s express permission to do so.
User login details
If you register for an account with the mobile app, we will provide you with OR you will be asked to choose or create a user ID and password.
Your user ID must not be liable to mislead and must comply with the content rules set out under these terms and conditions. You must not use your account or user ID for or in connection with the impersonation of any person.
You must keep your password confidential. You must notify us in writing immediately if you become aware of any disclosure of your password.
You are responsible for any activity on the mobile app arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure. You are also able to log-in to your account, through your Google and/or Facebook Account. In the event you wish to use the mobile app through your Google and Facebook Account, you would not be required to create an account separately with us.
Cancellation and suspension of account
RealEstate Talk Limited reserves all rights to suspend, cancel and/or remove your account details at any time either following a breach of the conditions contained herein (explanation will be provided if action is taken on the account for breach of terms) or at its sole discretion without notice or explanation.
You may cancel your account by sending us an email at firstname.lastname@example.org. Upon receipt of the email, we will strive to cancel your account within reasonable time, and you will receive an email confirmation of the same
There are three types of content that you will be able to access on the mobile app:
There is certain content we cannot allow on the mobile App. We want our users to be able express themselves as much as possible and post all relevant information on the mobile app
However, we impose strict restrictions on certain content which:
RealEstate Talk Limited operates a zero-tolerance policy for this kind of content and such content will be removed from the mobile app without any notice to you and/or any third party
In these terms and conditions, “your content” means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our website for storage or publication on, processing by, or transmission via, our website.
As Your Content is unique, you are responsible and liable for Your Content and will indemnify, defend, release, and hold us harmless from any claims made in connection with Your Content.
You may not display any personal contact or banking information on your individual profile page whether in relation to you or any other person (for example, names, home addresses or postcodes, telephone numbers, email addresses, URLs, credit/debit card or other banking details). If you do choose to reveal any personal information about yourself to other users, whether via chat or otherwise, it is at your own risk. We encourage you to use the same caution in disclosing details about yourself to third parties online as you would under any other circumstances.
You warrant and represent that your content will comply with these terms and conditions.
Your content must not be illegal or unlawful, must not infringe any person’s legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).
Your content, and the use of your content by us in accordance with these terms and conditions, must not:
You further agree that Your Content may be viewed by other users and any person visiting, participating in or who is sent a link to the mobile app (e.g. individuals who receive a link to a user’s profile or shared content from other RealEstate Talk Limited Users). By uploading Your Content on RealEstate Talk Limited, you represent and warrant to us that you have all necessary rights and licences to do so, and automatically grant us a non-exclusive, royalty free, perpetual, worldwide licence to use Your Content in any way (including, without limitation, editing, copying, modifying, adapting, translating, reformatting, creating derivative works from, incorporating into other works, advertising, distributing and otherwise making available to the general public such Content, whether in whole or in part and in any format or medium currently known or developed in the future).
You grant to us the right to sub-license the rights licensed as above, and we may assign and/or sub-license the above licence to our affiliates and successors without any further approval by you.
You may edit your content to the extent permitted using the editing functionality made available on our website.
Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.
Other members of RealEstate Talk Limited will also share content via the mobile app. Member Content belongs to the user who posted the content and is stored on our servers and displayed via the mobile app at the direction of the user providing the Member Content.
You do not have any rights in relation to other users’ Member Content, and you may only use other RealEstate Talk Limited users’ personal information to the extent that your use of it matches RealEstate Talk Limited’s purpose of allowing people to engage with one another for the purpose of selling, buying and/or letting of properties. You may not use other users’ information for commercial purposes, to spam, to harass, or to make unlawful threats. We reserve the right to terminate your Account if you misuse other users’ information.
You are encouraged to report any Member Content that is unwarranted or is likely to breach any of the content rules contained in these terms and conditions. You can report any content by either sending us an email at email@example.com.
Content that is neither Your Content nor Member Content belongs to RealEstate Talk Limited. Any text, content, graphics, user interfaces, trademarks, logos, sounds, artwork, and other intellectual property appearing on RealEstate Talk Limited are owned, controlled or licensed
by us and are protected by copyright, trademark and other intellectual property law rights. All right, title and interest in and to Our Content remains with us at all times.
We grant you a non-exclusive, limited, personal, non-transferable, revocable, licence to access and use Our Content, without the right to sublicense, under the following conditions:
The mobile app allows advertisement and messaging features which allows users to engage with each other for the purpose of engaging in property transactions.
The Advertisement feature is available only for registered users who have paid for the specific service. The messaging service is available to all registered users for free. Unregistered users cannot avail the messaging service.
Rules relating to Advertisement
You are allowed to post any advertisement that you feel would best describe your advertisement and/or upload everything that is relevant to the advertisement including but not limited to images, graphics, text, words, etc.
You agree to the following restrictions with respect to any advertisement that may be posted by you:
We observe a zero-tolerance policy for the above content and reserve the right to delete, prevent and/or block the posting of such advertisement.
You agree that you have all relevant permissions and/or licenses to upload content as part of your advertisement if you are not the actual owner of such content. You further agree that you will not upload any information and/or images of any property for which you do not have either the permission or the authority to do the same. You agree to indemnify RealEstate Talk Limited of all losses and claims that may arise from such unauthorised advertisements and that you may be held liable for any such losses that any party or third party may suffer or incur due to your actions and/or omissions.
You further agree that RealEstate Talk Limited does not guarantee the accuracy of the information in any advertisement and the onus is on you to undertake your own checks and independent verification to determine the accuracy of the information
You agree that all advertisement will be reviewed by RealEstate Talk Limited before the same is published on the mobile app.
Without limiting the generality of the foregoing, we reserve complete and full rights to review, amend, delete, edit, and/or block any advertisement without prior notice. We further reserve the right to report any advertisement that breaches these terms to the relevant authorities as well as cancel and/or block the user’s account permanently, responsible for such advertisement.
Rules relating to Messaging
The messaging service available on the mobile app is specifically for parties to engage in conversation which is relevant to the purpose and use of this mobile app.
You agree not to use the messaging service as an alternative to access SMS services. The mobile app is not a general-purpose chat application and does not provide SMS services and neither does it purport to be a social media platform.
You agree that you are solely responsible for any information that you may supply to any other user and/or third party via the messaging service. You further agree that any information received by you from any other user and/or third party and any act or omission done on the basis of such information is your sole responsibility and we are neither responsible or liable for any losses that you may incur or cause to incur to any other user and/or third party owing to the exchange of such information.
We encourage our users to be aware of all general risks that are associated with cyber theft and security and further recommend users not to supply any personal banking details to any user and/or third party over the messaging service.
Using the mobile app is generally free, but we sometimes charge a fee for certain services. If the service you use incurs a fee, you’ll be able to review and accept terms that will be clearly disclosed at the time you intend to buy that service.
Our fees are quoted in Pounds Sterling, and we may change them from time to time. We’ll notify you of changes to our fee policy by posting such changes on our site and the mobile app. We reserve the right to change our fees without prior notice and explanation. However, we strive to ensure that our users are informed beforehand of any potential changes in the fee structure
If you buy any of our paid Services (“Premium Services”), you agree to pay us the applicable fees and taxes and to additional terms specific to the paid Services. Failure to pay these fees will result in the termination of your paid Services.
You further agree that:
You and we both agree that nothing in these terms and conditions will:
The limitations and exclusions of liability set out here and elsewhere in these terms and conditions are subject to the above and govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
It is further agreed between you and us that
RealEstate Talk Limited and its affiliates will not be liable to you in connection with this
contract for any amount that exceeds
whichever is lower.
These terms and conditions forms the whole agreement between you and us. You acknowledge that you have not entered into this Agreement in reliance upon any warranty or representation made by us or any other person and you waive any rights to damages/ rescission you may have for misrepresentation (other than a fraudulent misrepresentation) that is not contained in this Agreement.
We may make changes to these terms. We reserve the right to amend these terms from time to time to reflect changing legal requirements and/or our processing practices. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply atthat time.
The owners of the Site and the mobile app may assign this agreement to any of its heirs, successors, assignees, and/or other entity/third party which it may so desire. Upon assignment such heir, successor, assignee and/or other entity will become a party to this agreement
The user of the Site and the mobile app cannot assign this agreement to any Third Party whatsoever
No one other than the parties to this agreement have any right to enforce this agreement and/or any of its terms separately
If anyone brings a claim (“Third Party Claim”) against us related to your actions, information, or content on the Site or mobile app, you will, to the extent permitted by law, indemnify and hold the RealEstate Talk Limited harmless from and against all liabilities, damages, losses, and expenses of any kind (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with any of the following:
You will cooperate as fully as required by us in the defence or settlement of any Third-Party Claim.
Both you and RealEstate Talk Limited may terminate this Agreement at any time with notice to the other. On termination, you lose the right to access to our site and the mobile app and/or use the Services as provide by our site and the mobile app. The following shall survive termination:
Termination will occur in any of the following ways:
Please note that these Terms, their subject matter, and their formation, are governed by English law. Parties to this agreement unequivocally agree that the courts of England and Wales will have exclusive jurisdiction for any disputes relating to and/or arising out of this Agreement. Parties agree to the exclusive jurisdiction of the courts of England and Wales.
RealEstate Talk Limited
Premier Business Centre
47-49 Park Royal Road
London, NW10 7LQ
Welcome to our website. This website is owned, operated, managed, and controlled by RealEstate Talk Limited.
RealEstate Talk Limited is a private limited company formed, organized, and registered under the laws of the United Kingdom, having its registered address at Premier Business Centre 47-49 Park Royal Road London, NW10 7LQ. bearing company number: 12834415.
In this policy document, references to “we”, “us” or “our” are references to RealEstate Talk Limited. References to “you”, “your” and/or “yours” in this policy document are references to users accessing our sites and applications
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Cookies can be disabled or removed by tools that are available in most commercial browsers. The preferences for each browser you use will need to be set separately and different browsers offer different functionality and options.
There are several types of cookies:
Cookies help us tailor our websites to your personal needs, to improve their user-friendliness, gain customer satisfaction feedback on our sites and applications and to communicate to you elsewhere on the web.
We keep all the information collected from cookies in a non–personally, identifiable format. Our cookies located on your computer do not retain your name or your IP address.
There are a number of cookies that are available in different sites, however our websites and applications use only the following cookies:
We use Google Analytics to carry out statistical analysis of page use, page interactions and paths through the Website to evaluate and develop our Website. This is known as ‘digital analytics’. We may also record certain information that customers provide during a Website purchase or other process.
This information allows us to understand individual behaviours and needs more accurately. For more information on how Google uses the data collected via this service, see here: http://www.google.com/policies/privacy/partners/
To opt out of being tracked via Google Analytics, you can also use Google’s opt-out browser add-on: https://tools.google.com/dlpage/gaoptout
In their own words
For more information on how Google uses the data collected via this service, see here:
Preference Centre – If you want to restrict or block the cookies on our site, you can do this at any time through your Cookies Preference Centre by clicking by clicking on the ‘Manage Preferences’ button below. Please note that if you set your browser or device to disable cookies, certain of our Services may not function properly
Browser Settings – Many of the cookies used on our website and through our emails can be enabled or disabled through your browser settings. The ‘help’ function within your browser should tell you how, or you can find out by visiting: www.allaboutcookies.org/managecookies/clear-cookies-installed.html, or search the internet for other independent information on how to delete cookies. You can set your browser to delete all past cookies and to disallow third-party cookies.
To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.youronlinechoices.com/uk/your-ad-choices. Alternatively, you can search the internet for other independent information on cookies. If you delete cookies relating to this website, we will not remember things about you, and you will be treated as a first-time visitor the next time you visit the site/page/app.
We reserve the right to make any changes and corrections to this policy document. Please refer to this page from time to time to review these and new additional information.
For more information on the new legislation regarding cookies, see the Information Commissioners Office’s website – https://ico.org.uk/
|cookielawinfo-checkbox-analytics||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".|
|cookielawinfo-checkbox-functional||11 months||The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".|
|cookielawinfo-checkbox-necessary||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".|
|cookielawinfo-checkbox-others||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.|
|cookielawinfo-checkbox-performance||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".|