Terms of Use

The Equity Release Network (“TERN”)

1. Introduction

These Terms of Use govern your access to and use of the website operated by The Equity Release Network Ltd (“TERN”, “we”, “us”, “our”).

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, you must not use this website.

TERN operates as a later-life lending network and introducer. We support authorised adviser firms and may introduce consumers to regulated advisers. TERN does not provide regulated financial advice, recommendations or product sales via this website.

2. About TERN

The Equity Release Network Ltd is authorised and regulated by the Financial Conduct Authority.

• FCA Firm Reference Number: 1036279
• Registered in England & Wales
• Company number: 16148969

TERN forms part of the Equity Release Group and works alongside its technology partner, Equitec Limited.

3. Use of the Website

You may use this website for lawful purposes only.

You agree not to:

• misuse the website or its content
• attempt unauthorised access to systems or data
• introduce viruses or malicious code
• use the website in a way that breaches any law or regulation

We may suspend or restrict access to the website at any time without notice if misuse is suspected.

4. Information Only – No Advice

All information provided on this website is for general information purposes only.

Nothing on this website constitutes:

• regulated financial advice
• a recommendation
• an offer to sell or arrange a financial product

Consumers seeking advice will be introduced to authorised adviser firms who are responsible for providing regulated advice and recommendations.

5. Find an Adviser (FAA)

TERN operates a Find an Adviser service to introduce consumers to authorised adviser firms.

By submitting an enquiry:

• you acknowledge TERN is acting as an introducer only
• you consent to your information being shared with authorised advisers
• you understand that responsibility for advice rests with the adviser or firm

TERN does not:

• recommend specific products
• assess suitability
• influence advice outcomes

Each adviser firm operates under its own regulatory permissions and privacy policies.

TERN does not guarantee the availability, suitability or outcomes of any adviser or advice provided.

6. Adviser and Firm Engagement

Advisers and firms accessing TERN content or onboarding materials must:

• ensure all information provided is accurate and complete
• comply with FCA rules and applicable regulation
• not misuse TERN systems, data or branding

TERN reserves the right to restrict or remove access where misuse or non-compliance is identified.

7. Intellectual Property

All content on this website, including text, graphics, logos, design, layout and software, is owned by or licensed to TERN unless otherwise stated.

You may:

• view and print content for personal or internal business use

You must not:

• copy, reproduce, modify or distribute content for commercial use
• use TERN branding without permission

8. Website Availability

TERN does not guarantee uninterrupted or error-free access to the website.

We may suspend, withdraw or restrict access for:

• maintenance
• security reasons
• operational or regulatory requirements

9. Third-Party Links

This website may contain links to third-party websites, including adviser firms and external resources. TERN:

• does not control third-party websites
• does not endorse their content
• accepts no responsibility for their availability, accuracy or services

Accessing third-party sites is at your own risk.

10. Limitation of Liability

To the extent permitted by law, TERN excludes all liability for:

• reliance on website content
• errors or omissions
• interruptions or availability issues
• losses arising from advice provided by third-party advisers

Nothing in these Terms limits liability where it cannot legally be excluded.

11. Data Protection

TERN processes personal data in accordance with its Privacy Policy and Cookie Policy, which form part of these Terms of Use.

12. Viruses & Misuse

You must not:

• introduce viruses or malicious code
• attempt unauthorised access to systems
• misuse or disrupt the website

Breach may result in access being withdrawn and legal action taken.

12. Changes to These Terms

TERN may update these Terms of Use at any time. The latest version will always be available on this website. Continued use of the website constitutes acceptance of any updated terms.

13. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.

14. Contact Us

If you have any questions about these Terms of Use, please contact:

The Equity Release Network Ltd
304 Bridgewater Place
Birchwood Park
Birchwood
Warrington
Cheshire
WA3 6GX

Email: mail@theequityreleasenetwork.com

Telephone: 01925 738288