Terms of Service

Welcome to the Dashly website, an online service designed and operated by Dashly Ltd (“We”, “Us” and “Our”) which, amongst other things, compares financial products including mortgages and other services that may be available to you depending upon your circumstances. These Terms of Use are intended to explain our obligations as a service provider and your obligations as a user and subscriber. IT IS IMPORTANT THAT YOU READ ALL THE TERMS AND CONDITIONS CAREFULLY.


Who are we and how to contact us

Dashly (“We”, “Us” and “Our”) is a limited company registered in England and Wales under company number 09619788. Our main trading address is Found Studios, 1 Lindsey Street, London, EC1A 9HP. Our VAT number is 26467408.

We are registered with the Information Commissioner's Office (ICO) with registration number ZA308181.

To contact us, please email support@dashly.com.


By using our site you accept these terms

These terms tell you the rules for using our website (www.dashly.com) (our Site). By accessing and using our site, you (also "user" below) agree to be bound by the terms and conditions below and the website privacy policy.

Please review them carefully. If you do not agree to the terms and conditions or website privacy policy then you must not use the website. We recommend that you print a copy of these terms for future reference.


There are other terms that may apply to you.

These terms of use refer to the following additional terms, which also apply to your use of our Site:

  • Our Privacy Policy. See further under clause.

  • Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

  • Our Cookie Policy, which sets out information about the cookies on our site.


We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

These terms were most recently updated on 27th March 2019. Previous versions of these terms can be found archived at.


Access to and Use of Our Site

Setting up an Account

Certain parts of Our Site may require an Account in order to access them. In order to avail of our Services, you must set up an Account on our Site via Registration.You may not create an Account if you are under 18 years of age.

During Registration, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures during Registration, you must treat such information as confidential.

During Registration, you will be asked to provide a password to enable you to log in to your Account. We require that you choose a strong password for your Account, consisting of a combination of lowercase and uppercase letters, numbers and symbols. Each password must kept confidential by its Registered User. If you fail to keep this password confidential, you are entirely responsible for any consequences stemming from such failure. Please see our Privacy Policy.

Auto-Set Up

The following provisions apply specifically to the Auto-Set up account creation process. Using Auto Set-up can speed up the registration to Dashly and may improve the better deal mortgage results Dashly provides you. The decision to use Auto Set-up to register for a Dashly account is entirely optional to you.

Credit Report

When we refer to your “Credit Report” in these Terms, we are referring to the free credit report provided as part of our Auto-Setup Account Service to automatically obtain information on your existing mortgage accounts. In order for Dashly to retrieve a valid credit report, a soft credit check is made on your credit profile. A soft credit check does not leave a mark on your credit file.

Powered by Experian (via Onfido).

The Credit Report Service is powered by Experian. This means that Experian (and its subcontractors) will use the personal information you provide during the account set-up process to search its own database in order to find information they hold about you and obtain details on your open mortgage accounts, and to give you an indication of your Credit Report. By creating an account with us:

(a) you instruct Dashly to act as your agent and representative in the retrieving, accessing and presentation of your Credit Report on an ongoing basis, for as long as your Dashly account is open, from Experian Limited;

(b) Experian Limited as a Credit Reference Agency (CRA) shall be entitled to rely on this agency and related authorisation granted by you to Dashly;

(c) you appoint Dashly, on an ongoing basis to submit (as your agent and representative) an access request for your credit history information to Experian, in accordance with your statutory rights under data protection legislation, for the purpose of providing our Service to you.

Authentication.

You will be required to successfully pass an authentication process with Experian before being able to finalise your Dashly Account using the Auto Set-up process. The authentication process is designed and operated by Onfido, not Dashly. It will involve disclosing proof of your identity by way of your Passport, Driving Licence or ID card as an anti-fraud and Identity confirmation measure. Any disclosure of the aforementioned Identity confirmation measures will be to Experian and Onfido only and not Dashly. Not all users who wish to access their Credit Report will successfully pass authentication. This may be because when you wish to access your Credit Report, Experian is unable to match your personal information to the correct credit report or that Experian does not hold enough credit information on you to create a Credit Report. Whatever the reason for a failure of authentication, neither Dashly nor Experian is required to notify you as to the reason(s) why you have not been successfully authenticated.

Results

Dashly may retrieve updated information on your credit report, on your behalf, a maximum of once per month. Dashly may also request an update to your credit score, on your behalf, each time you log into your account. We will present all Experian Credit Report results to you in your Dashboard.

Incorrect information in your Credit Report

If you have any questions about your Credit Report, please contact Dashly in the first instance, even though it is Experian, not Dashly, who coordinates the making of changes to Credit Report data. If you wish to dispute the accuracy of anything shown in your Credit Report, please contact Experian directly. using this details in this link.

Account Security and Use

You must notify us immediately if you suspect or become aware that the confidentiality of your Account has been compromised.

We reserve the right to terminate your Account if:

  • it is established that you hold more than one Account;

  • someone else is using your Account;

  • You are disrupting Our Site, breaching these Terms and Conditions, the Privacy Policy, or the Acceptable Use Policy; or

  • You have provided false or incorrect information at the time of Registration.

You must notify us immediately if you suspect or become aware that the confidentiality of your password has been compromised at DPO@dashly.com

Account Deactivation and Reactivation

You may at any time temporarily deactivate your Account. Whilst your Account is deactivated, you will not be able to use any of the Services and you will not receive any notifications from Dashly other than those regarding Policy and Account support. You may reactivate your account at any time. If your account has been deactivated for 5 years we will close your Account and any of your Profile Data will be dealt with in accordance with our Account Closure and Deletion policy below.

Account Closure and Deletion

You may at any time close your Account. Closing your Account will result in the removal of your Profile Data. Closing your Account will also remove access to any areas of Our Site requiring an Account for access. Your Profile Data will be deleted, save for any data which we are required to retain by law, and to comply with our obligations as a firm regulated by the Financial Conduct Authority. For more information, please see our Privacy Policy. If you close your Account, any Customer Content you have created on our Site will be anonymised.

We may 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 or for any regulatory reason.

We may suspend or withdraw our site

Access to our site is made available free of charge. It is your responsibility to make any and all arrangements necessary in order to access Our Site.

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 will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Our site is only for users in the UK

Our site is directed to people residing in the England, Scotland and Wales, and for mortgages in respect of properties in those countries. We do not represent that content available on or through our Site is appropriate for use or available in other locations.

Our responsibility for loss or damage suffered by you

  • We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

  • Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

  • For the provision of our Dashly Mortgage Advice/Brokerage service we are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. The Scheme for mortgage advising and arranging (Home Finance & Mortgage Advice) covers up to £85,000. Further information about the compensation scheme arrangements is available from the FSCS.


Your Obligations

By using the Site, you agree that:

  • You will not do anything that affects the integrity or security of this website or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or us;

  • You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this website, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data.

If you do any such acts, we may take such action as we deem appropriate, including denying you access to our Site, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.


The Service

We provide two services:

  1. Dashly Financial Comparison

  2. Dashly Mortgage Advice/Brokerage("Services")


Dashly Financial Comparison

The Dashly Financial Comparison service enables you to compare a number of prices for products and services, as well as product information from the whole mortgage market, based on your Profile Data. This will enable you make an informed decision before proceeding to your chosen provider for further information.

When providing this service, we are acting as an independent online financial comparison search provider. We offer access to the full range of mortgage products available in the England, Scotland and Wales markets, as applicable to you. When it comes to our providers, we offer impartial and independent comparison.

We will provide recommendations for financial products to you on our Site, and will also send you notifications from time to time, in the form of comparison results, ranked according to the potential savings we believe may be available to you, based on your Profile Data.

If your Profile Data was inaccurate, not up-to-date, or your needs or circumstances have changed since you last updated your Profile Data, then you should update your Profile Data so that we can provide you with accurate recommendations, or speak to a mortgage advisor. We will notify you if your updated Profile Data changes our recommendations to you.

Dashly also relies upon the availability of third party systems and websites, including Lenders. At times some or all financial products may not be available to you due to problems with third party websites or connectivity. Wherever possible, we will try and notify you of this and email you to let you know when your Comparison Results are ready.

The Comparison Results will provide financial product links, which will take you to third-party websites. Any transactions entered into by You and a third-party provider will be governed by that third-party’s terms and conditions. We have no control over the contents of those sites or resources.

Each entry on the Comparison Results is for the purposes of illustration and is not an offer from a Lender to provide you with that product. The Lender will require more detailed information from You before it can assess whether it is willing to provide you with the product. Before the lender gives you a binding offer you will be provided with a detailed explanation of the terms of the mortgage.

The Dashly Financial Comparison service is free for You to use. We may receive a fee and/or commission from a third-party product or service provider in relation to products or services which have been made available to you through our Dashly Financial Comparison service.


Dashly Mortgage Advice / Brokerage

We can also provide free mortgage advice to You though Dashly Mortgage Services. Dashly Mortgage Services is provided to Dashly customers by our supplier, Hawke Financial Services LLP. Dashly Mortgage Services is a trading style of Hawke Financial Services LLP who are authorised and regulated by the Financial Conduct Authority (FCA). FCA Number is 478284.

When providing this service, we are acting as a mortgage intermediary. We can offer you access to a range of mortgage products from a panel of lenders in the UK mortgage market. Our Dashly Mortgage Advice service may only be applied for by individuals and not for business purposes, with the exception of any Buy-to-let mortgages.

If you meet the relevant criteria, we will send you a selection of mortgages based on your Profile Data, and any discussions which we have had with you. Please take time to review such selection. Where we have recommended mortgage products to you, these are provided by third party Lenders.

Fees and Key Facts

  • The Dashly Financial Comparison service is free for You to use. We may receive a fee and/or commission from a Lender in relation to a mortgage product or related services, which have been made available to you through our Dashly Financial Comparison service. The amount of commission paid to us by the Lender will be notified to you prior to you entering into that product with the Lender.

  • You will receive a key facts illustration European Standardised Information Sheet (ESIS) when considering a particular mortgage, which will tell you about any fees relating to that mortgage.

  • You have the right to request an ESIS for any mortgage we recommend.

  • We do not handle funds or monies on your behalf.

Mortgage Application

  • Dashly will guide you through the stages of the mortgage application process.

  • Once we have submitted your application to your chosen Lender, we will send you an email to confirm that we’ve done that. We will then work with you and liaise with your lender to complete the process. Completion is the drawdown of your mortgage – when the money is in yours or your solicitor’s bank account. We will continue to keep you informed throughout the mortgage process, either by text, email, phone call or letter.

Discontinuance and Other Application Elements

  • If you start a mortgage application and do not finish it we will send you a range of reminders offering tips and advice on how to complete your mortgage application.

  • Our calls with you may be recorded and used for training and regulatory purposes.


Your Profile Data

You can upload Profile Data documents to your Account. The documents will need to be of sufficiently legible quality so that we can review the contents. We use automation, including OCR, to process the content of your uploads and pre-populate sections of your Profile Data. You must review all pre-populated sections following upload, as any errors due to lower quality scans are your responsibility and may reduce the accuracy of any services provided to you based on those uploads.

Whenever you upload content to our Site, or make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Policy. You warrant that any upload does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy .

You are solely responsible for retaining original copies of all Profile Data uploaded to our Site, and we are not liable for any loss of data, or other consequential losses, for any loss of documents uploaded to our site.

You may be entitled to rights separate to these Terms and Conditions under English consumer law or other legislation.


Rights you are giving us to use material you upload

When you upload or post content to our site, you grant us the following rights to use that content:

  • A licence to process the content in order to provide you with our services.

  • For our Dashly Mortgage Advice/Brokerage a licence to provide mortgage application data, including elements of your Profile Data to Lenders, as part of your mortgage application.


We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.


Intellectual Property

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


Disclaimers

Unless you are using our Services, nothing on our Site is intended to be, or should be construed as:

  1. An invitation, offer or inducement to you or any other person to engage in investment activities or any other type of financial arrangement; or

  2. Advice on the merits of, or a recommendation in relation to, any particular product or product provider.

Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site damages your device or other digital content belonging to you, you may be entitled to certain legal remedies. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office.


Our trade marks are registered

"DASHLY" and the Dashly Logo are UK registered trade marks of Dashly Limited. You are not permitted to use them without our approval.


Rules about linking to our site

  • You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

  • 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.

  • You must not establish a link to our site in any website that is not owned by you.

  • Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

  • We reserve the right to withdraw linking permission without notice.

  • The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.

If you wish to link to or make any use of content on our site other than that set out above, please contact help@dashly.com.


Complaints

Dashly welcomes and encourages feedback of all kinds from our customers. If you have a Complaint about our services, our customer service, or about our staff, not only do we want to resolve it to your satisfaction but we also want to learn from it in order to improve our business and customer experience in the future.

If you have any questions or complaints about the services, please contact us. You can write to us at support@dashly.com and Customer Services, Dashly Ltd, Found Studios, 1 Lindsey Street, London, EC1A 9HP..

It is our policy to resolve Complaints quickly and fairly, where possible without recourse to formal investigations or external bodies. In particular, the aims of this Complaints Policy are:

  • To provide a clear and fair procedure for any customers who wish to make a Complaint about Dashly, our services, our customer service, or about our staff;

  • To ensure that everyone working for or with Dashly knows how to handle Complaints made by our customers;

  • To ensure that all Complaints are handled equally and in a fair and timely fashion;

  • To ensure that important information is gathered from Complaints and used in the future to avoid such a situation arising again.

  • When making a Complaint, you will be required to provide the following information in as much detail as is reasonably possible:

  • Your name, address, telephone number and email address (We will contact you using your preferred contact method as your Complaint is handled);

  • If you are making a Complaint about a particular staff member of ours, the name and, where appropriate, position of that staff member;

  • Further details of your Complaint including, as appropriate, all times, dates, events, and people involved;

  • Details of any documents or other evidence you wish to rely on in support of your Complaint;

  • Details of what you would like us to do to resolve your Complaint and to put things right.

(Please note that whilst we will make every reasonable effort to accommodate such requests, we are not bound to take any action beyond that which we may be contractually or otherwise legally obliged to take.)

If your Complaint concerns a product or service that you have purchased through either of our Services, you can complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain.

We cannot answer complaints on behalf of a Lender or other third party, nor accept responsibility for any such complaints. The complaint handling policy for such parties will be set out on their websites, and we recommend that you visit the website of the product or service provider and follow this complaints handling policy.

We will seek to resolve your Complaint as soon as possible. We will send you an acknowledgement of your Complaint to you within five business days of its receipt. In this acknowledgement we will advise you of the person who will be dealing with your complaint.

If eight weeks have elapsed since the receipt of your Complaint without resolution, we will send you a notification setting out why we are still not in a position to issue a decision on your Complaint and advising you of when we expect to be able to do so.

You may after eight weeks, or if you are unhappy with our response to your complaint, contact the Financial Ombudsman Service who may be contacted at Exchange Tower, London, E14 9SR or by telephone on 0800 0234567. Their website is at www.financial-ombudsman.org.uk

All Complaints and information relating thereto are treated with the utmost confidence. Such information will only be shared with those staff of Dashly who need to know in order to handle your Complaint.


Which country's laws apply to any disputes?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.


Definitions

  • Account: means an account required for a User to access and/or use certain areas of Our Site

  • Registered User: means a user who has completed Registration.

  • Registration: means the act by a user of creating an Account.

  • Broker: means a mortgage broker or advisor.

  • Lender: means a provider of mortgage funding.

  • Customer Content: any reviews, posts, testimonials and other content generated by a Registered User.

  • Profile Data: means all of: the information provided by you on Registration, as updated by you in your Account; any uploads to your Account; any Fact Find information provided by You and any financial and suitability discussions which you have with our Staff.

  • “you” and “your” means the person who proposes to use or is using this website.

  • “product or service provider” means the Broker, Lender, bank, building society or other financial institution or any other third party providing any financial service or product identified on this website or made available via this website.

  • “quote” means the details of particular Lender’s offerings whose mortgage products are identified as being of relevance to you and are shown to you by comparison against other Lenders. Quotes are selected for your attention by reference to a number of factors including but not limited to your Experian credit score, the value of the mortgage you are seeking and affordability assessment based upon the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider direct to make a purchase.

  • “writing” includes emails and text messages. When we use the words "writing" or "written" in these terms, this includes emails.