Terms & Conditions.


Any use by you of this Website is governed by these terms and conditions. Please read them carefully. The Disclaimer forms part of them. If you are uncertain about your rights or obligations under them or if you have any queries or comments, please contact us by e-mail at enquiry@help-to-own.com, or seek independent legal advice.

Please note these terms and conditions impose obligations on you, give you liabilities to us and affect our liability to you.

Before using the Website please also read our Privacy Policy. It tells you what information we collect from you via the Website, how it is collected, and what we use the information for. You can control what information we collect from you and you must read our Privacy Policy to understand how to do that.

If you do not agree to be legally bound by these terms and conditions please do not access and/or use the Website.

Purpose of these terms and conditions

These terms and conditions govern access to and use of the website identified by the domain name “help-to-own.com” (the “Website”). By using the Website you indicate that you agree to these terms and conditions.

The Website is operated by or at the direction of My Generation Group Limited, registered in England and Wales with company number 12912881 whose registered office is at 45 Church Street, Birmingham, B3 2RT) (“HTO”). 

The commentary, information and other materials contained on the Website (the “Content”) is prepared solely for the purpose of providing information about HTO and does not make any offer, inducement or invitation or give rise to any obligation or commitment. The Content is intended to be communicated only to such persons as HTO is legally able to send it and who are legally able to receive it in their jurisdiction of residence.

No warranty or representation (either express or implied) is given as to the accuracy or completeness the Content. Any Content on the Website may be out of date at any given time and HTO shall not be under any obligation to update such Content.
You are responsible for the content of and information contained in any communications you make via the Website, including the lawfulness, truthfulness, decency and accuracy of any such communication.

HTO may process certain information relating to your use of the Website and any information supplied by you to HTO will be used in accordance with our Privacy Policy.

HTO cannot guarantee the privacy or confidentiality of any of your information which passes over the internet. In accessing and using the Website you accept that electronic communications may not be free from interference by third parties and that HTO will not be liable for any loss arising out of any such interference.

If you knowingly use viruses, trojans, worms, logic bombs, denial of service attacks or other material which is malicious or technologically harmful in nature (together, “Viruses”) on our Website, your right to use the Website will cease immediately.
HTO shall not be liable for any loss or damage caused by a Virus to your computer equipment, software, data or other proprietary material due to your use of the Website.

IP addresses and cookies
We may collect your IP address and other information about your computer for system administration. This is statistical data about our users’ browsing actions and patterns and does not identify any individual. For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies enable us to estimate our audience size and usage pattern and store information about your preferences, and so allow us to customise the Website according to your individual interests and recognise you when you return to the Website. We do not use cookies to track your use of the internet after you leave the Website, nor do we store any personal information in them.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you enter the Website and you will be deemed to have consented to the use of such cookies.

Intellectual Property
Elements of the Website, its Content and its underlying software are protected by copyright, trade marks and other intellectual property rights owned or controlled by HTO or its licensors. You shall comply with all copyright notices or restrictions referred to on the Website and shall not use, copy or appropriate any Content or software which in any way infringes such intellectual property rights.

To the fullest extent permitted by law, neither HTO nor any of its affiliates, directors, officers, employees, agents or other representatives will be liable for any damages of any kind, including without limitation compensatory, direct, indirect or consequential damages, loss of data, business, revenue, income, profit, anticipated savings, reputation or goodwill, loss of or damage to property and claims of third parties arising from the use of the Website

Applications to Help to Own
Applications may be subject to an allocation policy dependent on the site being applied for.

Use of the Website is governed by English law.

If any provision of these terms and conditions is held to be unlawful, void or unenforceable for any reason, then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.

HTO reserves the right to alter, adapt or otherwise change these terms and conditions from time to time and you will be bound by the terms and conditions in force upon each visit to of the Website. HTO therefore recommends that you check for any updates to these terms and conditions upon each visit to or use of the Website.