Terms and Conditions

1. Introduction

These Terms and Conditions govern access to and use of the TitleGuard website, customer portal, APIs, integrations, reports, Sales Packs, searches, compliance products and all associated services.

By accessing the website, creating an account, purchasing a report, placing an order or using any service, you agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not use the services.

2. Definitions

"TitleGuard", "Company", "we", "our" and "us" means TitleGuard Ltd.
"Customer" means any individual, estate agency, conveyancer, property professional, company or organisation using the services.
"Services" means any search, report, compliance product, software service, digital pack, API service or related offering supplied by TitleGuard.
"Sales Pack" means any digital property information pack or Material Information report supplied by TitleGuard.
"Platform" means the TitleGuard website, dashboard, integrations and software environment.

3. Business Customer Status

Unless expressly stated otherwise, the services are intended for business customers. Customers warrant that individuals placing orders possess authority to bind their organisation.

4. Orders

Orders are accepted when confirmed by TitleGuard.

TitleGuard reserves the right to refuse, cancel or suspend orders where:

information is unavailable;
fraud is suspected;
compliance concerns arise;
payment authorisation fails;
system misuse is identified.

5. Services

Services may include:

Material Information reports;
property Sales Packs;
title reports;
local authority data;
regulated searches;
lawyer checks;
drainage and water reports;
environmental searches;
AML checks;
KYC verification;
property compliance audits;
API integrations;
white-label technology services.

The precise content of any report may vary according to available data.

6. Customer Accounts

Customers must:

maintain accurate account information;
protect usernames and passwords;
prevent unauthorised access;
notify TitleGuard of suspected security breaches.

Customers remain responsible for activity occurring under their accounts.

7. Pricing and Payment

Unless stated otherwise, all fees are exclusive of VAT.

Invoices shall be payable immediately upon issue unless alternative credit terms are agreed in writing.

Late payments may result in:

suspension of services;
withdrawal of account access;
recovery action;
statutory interest.

8. Subscription Plans

Where subscriptions are provided:

subscriptions automatically renew;
cancellation must occur before the next renewal date;
unused allowances do not automatically roll forward unless expressly agreed.

9. Intellectual Property

All software, trademarks, databases, reports, content, designs, logos and technology remain the property of TitleGuard or its licensors.

No ownership rights pass to Customers.

Customers receive only a limited, non-transferable licence to use purchased reports for legitimate internal business purposes.

10. Acceptable Use

Customers must not:

scrape data;
reverse engineer systems;
copy reports for resale;
interfere with services;
introduce malicious code;
circumvent access controls;
use services for unlawful purposes.

11. Accuracy of Information

Reports are assembled from public sector, regulated and commercial sources.

TitleGuard cannot guarantee that third-party information is complete, current or error-free.

Reports are supplied for informational and compliance purposes only.

Nothing supplied constitutes legal, surveying, property valuation, planning or financial advice.

12. Service Availability

Although TitleGuard aims for continuous availability, uninterrupted access is not guaranteed.

Maintenance, upgrades, outages, telecommunications failures and third-party disruptions may affect service availability.

13. Confidentiality

Each party shall protect confidential information received from the other. Confidential information shall not be disclosed except where required by law or necessary for performance of contractual obligations.

14. Limitation of Liability

Nothing in these Terms shall exclude or limit liability for:

death or personal injury caused by negligence;
fraud or fraudulent misrepresentation;
wilful misconduct;
breach of statutory obligations that cannot lawfully be excluded;
any liability which cannot be limited or excluded under applicable law.

Subject to the above provisions, TitleGuard shall not be liable for:

indirect loss;
consequential loss;
special damages;
punitive damages;
loss of profits;
loss of revenue;
loss of business opportunity;
loss of anticipated savings;
loss of contracts;
loss of data;
loss of goodwill;
reputational damage;
wasted management time.

TitleGuard shall not be responsible for losses arising from:

inaccuracies in third-party databases;
delays by local authorities, utility providers, the Land Registry or other data suppliers;
changes to property information occurring after report generation;
customer reliance on reports without obtaining appropriate professional advice;
interruptions to internet, telecommunications or cloud infrastructure services;
unauthorised access resulting from customer failure to maintain account security;
acts or omissions of third-party software, CRM providers or integration partners.

All reports, Sales Packs and compliance products are provided for informational and compliance support purposes only.

Customers acknowledge that property transactions involve independent legal, financial, planning, surveying and commercial risk assessments which remain the responsibility of the Customer and their professional advisers.

Where any report incorporates information obtained from third-party sources, TitleGuard does not warrant the completeness, accuracy or ongoing availability of such information.

Customers must verify information independently before relying upon it in any transaction.

If any claim arises relating to services provided by TitleGuard, the Customer shall:

notify TitleGuard in writing within 30 days of becoming aware of the issue;
provide reasonable details of the alleged loss;
allow TitleGuard a reasonable opportunity to investigate and remedy the issue where possible.

To the fullest extent permitted by law, TitleGuard's total aggregate liability arising from or connected with any contract, report, subscription, API service or related service shall not exceed the greater of:

the fees paid by the Customer for the specific service giving rise to the claim; or
£5,000.

Any claim must be commenced within twelve months of the event giving rise to the claim, failing which the claim shall be deemed waived.

The limitations and exclusions contained in these Terms apply regardless of whether liability arises in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise.

15. Indemnity

Customers shall indemnify TitleGuard against losses arising from misuse of services, unlawful activity, breach of these Terms or infringement of third-party rights.

16. Force Majeure

TitleGuard shall not be liable for delays or failures resulting from circumstances beyond reasonable control.

17. Termination

TitleGuard may suspend or terminate services immediately where:

payment defaults occur;
security concerns arise;
misuse is identified;
legal compliance risks are present.

18. Governing Law

These Terms shall be governed by the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction.

Privacy Policy

Introduction

TitleGuard is committed to processing personal data lawfully, fairly and transparently.

Categories of Data

We may collect:

identity information;
contact information;
business details;
transaction information;
account credentials;
compliance verification information;
communications data;
technical and device information;
log files and usage data.

Sources of Data

Data may be obtained from:

customers;
website users;
verification providers;
public registers;
government databases;
third-party suppliers;
customer integrations.

Purposes of Processing

Data may be processed to:

fulfil contracts;
deliver reports;
conduct AML checks;
provide support;
manage accounts;
detect fraud;
improve products;
comply with legal obligations.

Legal Bases

Processing is undertaken pursuant to:

contractual necessity;
legal obligation;
legitimate interests;
consent where required.

Marketing

Marketing communications may be sent where legally permitted.

Recipients may unsubscribe at any time.

Data Sharing

Data may be shared with service providers, regulators, advisers, technology vendors and compliance partners where necessary.

Security Measures

TitleGuard maintains reasonable technical and organisational measures including access controls, encryption technologies where appropriate and security monitoring.

Data Retention

Data shall be retained only as long as required for operational, contractual and legal purposes.

Data Subject Rights

Individuals may exercise rights of access, correction, restriction, portability, objection and erasure where applicable.

ICO Complaints

Individuals may lodge complaints with the Information Commissioner's Office.

Cookie Policy

This website uses cookies and similar technologies to ensure effective operation, analyse traffic, improve user experience and support platform functionality.

Cookie categories include:

strictly necessary cookies;
analytics cookies;
performance cookies;
functional cookies;
preference cookies;
marketing cookies where used.

Consent shall be obtained before non-essential cookies are deployed where legally required.

Users may amend preferences through browser controls or website consent tools.

Website Disclaimer

All information published on the website is provided on an "as available" basis.

TitleGuard does not guarantee that website information is complete, current or suitable for any particular purpose.

No material available through the website constitutes professional advice.

Users should obtain legal, survey, planning, tax, valuation or financial advice before making decisions based on information obtained through the website.

Acceptable Use Policy

Users shall:

comply with applicable laws;
respect intellectual property rights;
avoid interference with services;
refrain from scraping or harvesting information;
avoid transmitting malware;
protect credentials.

Breaches may result in suspension, termination and legal action.

AML and KYC Notice

TitleGuard provides compliance support services including identity verification and AML screening.

Checks may involve:

sanctions screening;
adverse media reviews;
politically exposed person checks;
address verification;
identity authentication;
fraud prevention databases.

Results are informational compliance tools and do not constitute legal advice.

Data Processing Addendum

Where TitleGuard acts as processor:

processing shall occur only on documented instructions;
confidentiality obligations shall apply;
appropriate technical measures shall be maintained;
audit cooperation shall be provided where reasonable;
sub-processors shall be subject to contractual protections;
breach notifications shall be provided where legally required.

Cross-border transfers shall be safeguarded using appropriate lawful mechanisms where required.

API and Integration Terms

Customers connecting CRM systems and third-party platforms remain responsible for ensuring the security and legality of connected processes.

TitleGuard may:

modify APIs;
rotate credentials;
impose fair-use limits;
suspend abusive activity;
implement security controls.

No warranty is provided regarding uninterrupted third-party integration performance.

Complaints Policy

Complaints may be submitted to info@titleguardltd.com.

TitleGuard aims to:

acknowledge complaints promptly;
investigate fairly;
review evidence;
provide a written response;
implement corrective measures where appropriate.

Records of complaints may be retained for compliance and quality assurance purposes.

Footer Legal Notice

Links should be provided at all times to:

Terms and Conditions
Privacy Policy
Cookie Policy
Acceptable Use Policy
Disclaimer
Complaints Policy

Terms & Conditions