Our Terms and Conditions
Terms of Website Use
This page (together with the documents referred to on it) tells
www.homegroundonline.com (our site), whether as a guest or a
you start to use the site. By using our site, you indicate that you
Information About Us
www.homegroundonline.com is a site operated by HomeGround
Management Limited ("We"). We are registered in England and Wales
under company number 7305337 and have our registered office at
5 Market Yard Mews, 194-204 Bermondsey Street, London, United
Kingdom, SE1 3TQ. Our main trading address is PO Box 6433,
London W1A 2UZ. Our VAT number is 102724260.
We are a limited company.
Accessing Our Site
Access to our site is permitted on a temporary basis, and we
reserve the right to withdraw or amend the service we provide on
our site without notice (see below). We will not be liable if for
any reason our site is unavailable at any time or for any
From time to time, we may restrict access to some parts of our
site, or our entire site, to users who have registered with us.
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, you must treat such information as
confidential, and you must not disclose it to any third party. We
have the right to disable any user identification code or password,
whether chosen by you or allocated by us, at any time, if in our
opinion you have failed to comply with any of the provisions of
You are responsible for making all arrangements necessary for
you to have access to our site. You are also responsible for
ensuring that all persons who access our site through your internet
connection are aware of these terms, and that they comply with
Intellectual Property Rights
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 reference and you may draw
the attention of others within your organisation to material 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 material on our site must always be acknowledged.
You must not use any part of the materials on our site for
commercial purposes without obtaining a licence to do so from us or
If you print off, copy or download any part of our site in
immediately and you must, at our option, return or destroy any
copies of the materials you have made.
Reliance on Information Posted
Commentary and other materials posted on our site are not
intended to amount to advice on which reliance should be placed. We
therefore disclaim all liability and responsibility arising from
any reliance placed on such materials by any visitor to our site,
or by anyone who may be informed of any of its contents.
Our Site Changes Regularly
We aim to update our site regularly, and may change the content
at any time. If the need arises, we may suspend access to our site,
or close it indefinitely. Any of the material on our site may be
out of date at any given time, and we are under no obligation to
update such material.
The material displayed on our site is provided without any
guarantees, conditions or warranties as to its accuracy. To the
extent permitted by law, we, other members of our group of
companies and third parties connected to us hereby expressly
- All conditions, warranties and other terms which might
otherwise be implied by statute, common law or the law of
- Any liability for any direct, indirect or consequential loss or
damage incurred by any user in connection with our site or in
connection with the use, inability to use, or results of the use of
our site, any websites linked to it and any materials posted on it,
including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and
for any other loss or damage of any kind, however arising and
whether caused by tort (including negligence), breach of contract
or otherwise, even if foreseeable, provided that this condition
shall not prevent claims for loss of or damage to your tangible
property or any other claims for direct financial loss that are not
excluded by any of the categories set out above.
This does not affect our liability for death or personal injury
arising from our negligence, nor our liability for fraudulent
misrepresentation or misrepresentation as to a fundamental matter,
nor any other liability which cannot be excluded or limited under
Information About You and Your Visits to Our Site
We process information about you in accordance with our privacy
policy. By using our site, you consent to such processing and you
warrant that all data provided by you is accurate.
Transactions Concluded Through Our Site
Contracts for the supply of services or information formed
through our site or as a result of visits made by you are governed
by our terms and conditions of supply.
Uploading Material to Our Site
Any material you upload to our site will be considered
non-confidential and non-proprietary, and we have the right to use,
copy, distribute and disclose to third parties any such material
for any purpose. We also have the right to disclose your identity
to any third party who is claiming that any material posted or
uploaded by you to our site constitutes a violation of their
intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for
the content or accuracy of any materials posted by you or any other
user of our site.
Viruses, Hacking and Other Offences
You must not misuse our site by knowingly introducing viruses,
trojans, worms, logic bombs or other material which 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
We will not be liable for any loss or damage caused by a
distributed denial-of-service attack, viruses or other
technologically harmful material that may infect your computer
equipment, computer programs, data or other proprietary material
due to your use of our site or to your downloading of any material
posted on it, or on any website linked to it.
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, 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.
You must not establish a link from any website that is not owned
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
If you wish to make any use of material on our site other than
that set out above, please address your request to
Links From Our Site
Where our site contains links to other sites and resources
provided by third parties, these links are provided for your
information only. We have no control over the contents of those
sites or resources, and accept no responsibility for them or for
any loss or damage that may arise from your use of them.
Jurisdiction and Applicable Law
The English courts will have exclusive jurisdiction over any
claim arising from, or related to, a visit to our site although we
retain the right to bring proceedings against you for breach of
these conditions in your country of residence or any other relevant
connection with them or their subject matter or formation
(including non-contractual disputes or claims) shall be governed by
and construed in accordance with the law of England and Wales.
page. You are expected to check this page from time to time to take
notice of any changes we made, as they are binding on you. Some of
superseded by provisions or notices published elsewhere on our
If you have any concerns about material which appears on our
site, please contact email@example.com.
Thank you for visiting our site.
HomeGround Terms And Conditions Of Supply
How These Terms And Conditions Work And What They Cover
1.1 These terms and conditions apply to the accounts and related
services we provide in the United Kingdom. It sets out the
obligations we have to you, as an account holder with us, and the
obligations you have to us.
1.2 These terms and conditions apply to accounts you hold with
us and the services we provide you with as an account holder.
1.3 In this agreement:
(a) "we", "us" and "our" mean HomeGround Management Limited;
(b) "you" and "your" mean any customer operating an account with
us. If you authorise another person to operate your accounts for
you (for example under a power of attorney), we will deal with that
person as if he or she were you for the purposes of this agreement
but we will only be permitted to use information about you, not
that person, under this agreement.
1.4 You can ask us for a copy of this agreement and any of the
leaflets, for example that contain information about our rates and
charges at any time.
2. Contacting Each Other
2.1 We will contact you by post, telephone or electronically
using the details you have given us. (When we use the words
"electronically" or "electronic" in this agreement we mean any form
of message made by any type of telecommunication, digital or IT
device (including the internet, digital television, email and
SMS).) Certain forms of communication are not completely secure and
you must take adequate precautions to ensure that others do not
access, read or use your information without your consent.
2.2 It is your responsibility to ensure that we have your
current contact details. Where we are required to send information
to you, by law we have to send it to the most recent address we
have for you. If you do not tell us promptly about any change to
your details, the security of your information could be at risk and
you may not receive things which could be important, including
notices about changes to this agreement which affect you.
2.3 You can contact us by post or electronically using the
details we give you. We will tell you if our details change.
2.4 We may monitor electronic communications between us
(including emails) for training purposes and so that we can check
instructions and make sure that we are meeting our service
3. Giving Us Instructions
3.1 To run your relationship with us under this agreement you
will need to give us a range of different instructions. For
example, you may instruct us to:
(a) make payments;
(b) give you information about your accounts;
(c) open new accounts or close existing accounts; or
(d) take any other action on your accounts.
This condition explains how you can give us instructions and the
steps we will take before we act on any instruction.
3.2 Before we will act on an instruction, we will take steps to
check that the instruction is:
- genuine (in other words given by you); and
3.3 We can refuse to act on any instruction or accept a payment
into an account if we reasonably believe that:
- by carrying out the instruction we might break a law,
regulation, code or other duty which applies to us; or
- we reasonably believe that doing so might expose us to action
or censure from any government, regulator or law enforcement
- it is for a payment to or from, or you are trying to make a
card payment in, a limited number of countries. (We will tell you
which countries if you ask us or if you try to make a card payment
3.4 Unless the law prevents us from doing so, we will try to
contact you to tell you if we refuse to act on any instruction, the
reasons for refusing it and what you can do to put right any errors
in the instruction. You can also contact us to find out why we have
refused to carry out your instruction.
3.5 We may assume that the information given in an instruction
is correct, unless we are aware of an obvious error. In particular,
we may assume the account number quoted in any instruction is the
correct account number.
3.6 Instructions have to be given by the relevant "Cut-off Time"
on a "Working Day". Although we may provide certain electronic and
services that can be accessed 7 days a week, we cannot usually make
payments into accounts at weekends or on public holidays. "Working
Day", for the purpose of making or receiving payments, therefore
means Mondays to Fridays (excluding public holidays). The Cut-off
Time is the time, towards the end of the Working Day, by which we
must receive all payments into the account if they are to be
processed that day. The Cut-off Time for electronic instructions is
4. Payments Into Your Account
4.1 You agree that we can deduct any applicable charges from a
payment before we add it to your account.
4.2 The timing of payments into your accounts depends on how the
payment is made and where it has come from. Although payments made
into an account on a non-Working Day will not generally be
processed by us until the following Working Day, in certain
circumstances they will be shown on your account on that day but
will be dated the following Working Day.
4.3 If we receive a payment before the relevant Cut-off Time on
any Working Day, we will process it on that day unless you have
asked us to make it on a future date, in which case we will process
it on that date. Payments received after the Cut-off Time or on (or
for) a non-Working Day will be processed on the next Working
4.4 To manage our risk, we also apply internal controls,
including limits, to certain types of payment. We change these as
necessary but, for security purposes, we do not disclose them.
4.5 If we receive any payment and:
(a) we are reasonably concerned that it may not have come from
(c) for some other reason, such as suspected fraud, we want to
check the payment with you,
we can ask you to confirm it (either in writing or verbally) and
will not act on it until you have confirmed it. In this case, you
must confirm the payment as soon as possible to avoid any delay by
us in acting on it. We will not make the payment until that
information is provided
4.6 The position for changing or cancelling payments is as
(a) Immediate payments: we cannot change or cancel a payment
given electronically because we start processing it when we receive
it. We cannot cancel a payment made using a card once you have
given your consent to make the payment to a third party. This can
only be done with the consent of the third party.
(b) Future payments made by debit card: we cannot cancel these
payments. You must cancel them by contacting the third party you
gave your card details to.
(c) Other payments you have instructed us to make in the future
(e.g. payments by standing order and direct debit): you can cancel
these payments on or before the last Working Day before the date on
which the payment was due to be made.
4.7 If you have instructed us to make payments requested by
third parties under the UK Direct Debit Scheme, we will provide
refunds for any error made in accordance with the terms of the
Direct Debit Guarantee (set out on the Direct Debit form or Direct
5. Information We Must Give You And You Must Give Us
5.1 We will make information about individual payments paid into
your account available through your website account.
5.2 You are responsible for checking the information we give you
and must tell us as soon as you can if it includes something which
appears to you to be wrong or if a payment was not made in
accordance with your instructions.
6. Our Liability To You And Your Liability To Us
6.1 We will not be liable to you for any losses you suffer or
costs you incur because:
- we do not act on a payment for any reason specified in these
terms and conditions;
- the details contained in the payment were not correct; or
- we break these terms and conditions due to abnormal and
unforeseeable circumstances outside our control where we could not
avoid breaking these terms and conditions despite all efforts to
the contrary - this may include, for example, a machine, electronic
device, hardware or software failing to work or being down for a
period, industrial disputes and complete or partial closure of any
6.2 Nothing in these terms and conditions will exclude or limit
any liability we have as a result of acting fraudulently or with
extreme carelessness or any duty or liability we may have to you
under applicable law or any liability that cannot lawfully be
7. Breach of these Terms and Conditions
7.1 If you break any of these terms and conditions, we can claim
from you any losses or costs that we reasonably incur as a result
of your breach. These include, but are not limited to, the costs of
tracing you, telling you about, and taking steps to deal with, the
breach, communicating with you about the breach and enforcing
payment of any amount due to us.
8. Changing These Terms And Conditions
8.1 We may upgrade your account or enhance the services we
provide to you if we reasonably consider this is to your advantage
and there is no increased cost to you.
8.2 We may also change any of the other terms of this agreement
for any of the following reasons: (a) where we reasonably consider
- the change would make the terms easier to understand or fairer
to you; or
- the change would not be to your disadvantage; or
(b) to cover:
- the improvement of any service or facility we supply in
connection with the account;
- the introduction of a new service or facility;
- the replacement of an existing service or facility with a new
- the withdrawal of a service or facility which has become
obsolete, or has ceased to be widely used, or has not been used by
you at any time in the previous year; or
(c) to enable us to make reasonable changes to the way we look
after your accounts as a result of changes in:
- the banking or financial system;
- technology; or
- the systems we use to run our business; or
(d) as a result of a regulatory requirement (or where we
reasonably expect that there will be a change in a regulatory
8.3 We will give you at least 1 months' personal notice of all
changes. When we tell you about a change we will tell you the date
it comes into effect. As long as notice of a change is given to you
at the most recent contact details we have for you, you will be
treated as accepting the change on that date unless, before then,
you tell us that you want to terminate your agreement with us and
not accept the change. We will not make any termination charge, if
you terminate your agreement in this case.
9.1 We will take reasonable care to ensure the security of and
prevent unauthorised access to our online services.
9.2 In exceptional circumstances, we may at any time suspend the
operation of online services but we will promptly notify you of any
9.3 You must:
- not attempt to change any software provided by us;
- not copy or allow any third party to use or copy any software
provided by us without our consent; and
- tell us as soon as you can if you become aware of any failure,
delay, malfunction, virus or error in the sending or receiving of
instructions or any suspected fraud.
9.4 You should also ensure your computer, modem or any other
device you use complies with the standards and requirements we tell
you from time to time and carry out your own regular virus checks
and security updates.
9.5 If you use our online service outside the UK you do so at
your own risk, as it may be against the law in that country.
9.6 Unless we tell you otherwise, any software we provide to you
is licensed to you. The copyright and all other rights in it and in
any user guides or other information we provide to you, remains
owned by us or by the person who licenses it to us (if applicable).
You must use it exclusively in connection with this agreement and
as described in any user guide or other information we provide to
you. You will obtain no rights, title or interest in any such
materials or intellectual property rights relating to them.
9.7 The records we maintain of any online messages,
instructions, payments or other transactions will be final evidence
of those messages, instructions, payments or other transactions and
of the time they are given or carried out except where there is an
9.8 You are responsible if, when you use our online service, you
give us incorrect instructions or mistakenly instruct us to make
the same payment more than once.
10. General Information
10.1 Unless we have made a different agreement with you, these
terms and conditions are governed by English law. The law that will
apply to the establishment of our relationship will be the same as
the law that governs these conditions.
10.2 This agreement is in English and we will only write and
communicate with you in English.
10.3 If we choose not to exercise rights against you immediately
we can still do so later.
HomeGround Management Limited ("We") are committed to protecting
and respecting your privacy. This policy (together with our terms
of use) www.homegroundonline.com and any other documents referred
to on it, sets out the basis on which any personal data we collect
from you, or that you provide to us, will be processed by us.
Please read the following carefully to understand our views and
practices regarding your personal data and how we will treat
For the purpose of the Data Protection Act 1998 (the Act), the
data controller is HomeGround Management Limited of 5 Market
Yard Mews, 194-204 Bermondsey Street, London, United Kingdom, SE1
Information We May Collect From You
We may collect and process the following data about you:
- Information that you provide by filling in forms on our site
www.homegroundonline.com (our site). This includes information
provided at the time of registering to use our site, subscribing to
our service, posting material or requesting further services. We
may also ask you for information when you enter a competition or
promotion sponsored by HomeGround Management Limited, and when you
report a problem with our site.
- If you contact us, we may keep a record of that
- HomeGround Management Limited OR We may also ask you to
complete surveys that we use for research purposes, although you do
not have to respond to them.
- Details of transactions you carry out through our site and of
the fulfilment of your orders.
- Details of your visits to our site including, but not limited
to, traffic data, location data, weblogs and other communication
data, whether this is required for our own billing purposes or
otherwise and the resources that you access.
IP Addresses And Cookies
We may collect information about your computer, including where
available your IP address, operating system and browser type, for
system administration and to report aggregate information to our
advertisers. 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 contain information that
is transferred to your computer's hard drive. They help us to
improve our site and to deliver a better and more personalised
service. They enable us:
- To estimate our audience size and usage pattern.
- To store information about your preferences, and so allow us to
customise our site according to your individual interests.
- To speed up your searches.
- To recognise you when you return to our site.
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 our site. Unless you have adjusted your browser
cookies when you log on to our site.
Where We Store Your Personal Data
The data that we collect from you may be transferred to, and
stored at, a destination outside the European Economic Area
("EEA"). It may also be processed by staff operating outside the
EEA who work for us or for one of our suppliers. Such staff maybe
engaged in, among other things, the fulfilment of your order, the
processing of your payment details and the provision of support
services. By submitting your personal data, you agree to this
transfer, storing or processing. HomeGround Management Limited OR
We will take all steps reasonably necessary to ensure that your
data is treated securely and in accordance with this privacy
All information you provide to us is stored on our secure
servers. Any payment transactions will be encrypted [using SSL
technology]. Where we have given you (or where you have chosen) a
password which enables you to access certain parts of our site, you
are responsible for keeping this password confidential. We ask you
not to share a password with anyone. Unfortunately, the
transmission of information via the internet is not completely
secure. Although we will do our best to protect your personal data,
we cannot guarantee the security of your data transmitted to our
site; any transmission is at your own risk. Once we have received
your information, we will use strict procedures and security
features to try to prevent unauthorised access.
Uses Made Of The Information
We use information held about you in the following ways:
- To ensure that content from our site is presented in the most
effective manner for you and for your computer.
- To provide you with information, products or services that you
request from us or which we feel may interest you, where you have
consented to be contacted for such purposes.
- To carry out our obligations arising from any contracts entered
into between you and us.
- To allow you to participate in interactive features of our
service, when you choose to do so.
- To notify you about changes to our service.
We may also use your data, or permit selected third parties to
use your data, to provide you with information about goods and
services which may be of interest to you and we or they may contact
you about these by post.
If you are an existing customer, we will only contact you by
electronic means (e-mail or SMS) with information about goods and
services similar to those which were the subject of a previous sale
If you are a new customer, and where we permit selected third
parties to use your data, we (or they) will contact you by
electronic means only if you have consented to this.
If you do not want us to use your data in this way, or to pass
your details on to third parties for marketing purposes, please
tick the relevant box situated on the form on which we collect your
We do not disclose information about identifiable individuals to
our advertisers, but we may provide them with aggregate information
about our users (for example, we may inform them that 500 men aged
under 30 have clicked on their advertisement on any given day). We
may also use such aggregate information to help advertisers reach
the kind of audience they want to target (for example, women in
SW1). We may make use of the personal data we have collected from
you to enable us to comply with our advertisers' wishes by
displaying their advertisement to that target audience.
Disclosure Of Your Information
We may disclose your personal information to any member of our
group, which means our subsidiaries, our ultimate holding company
and its subsidiaries, as defined in section 1159 of the UK
Companies Act 2006.
We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in
which case we may disclose your personal data to the prospective
seller or buyer of such business or assets.
- If HomeGround Management Limited or substantially all of its
assets are acquired by a third party, in which case personal data
held by it about its customers will be one of the transferred
- If we are under a duty to disclose or share your personal data
in order to comply with any legal obligation, or in order to
and other agreements; or to protect the rights, property, or safety
of HomeGround Management Limited, our customers, or others. This
includes exchanging information with other companies and
organisations for the purposes of fraud protection and credit risk
You have the right to ask us not to process your personal data
for marketing purposes. We will usually inform you (before
collecting your data) if we intend to use your data for such
purposes or if we intend to disclose your information to any third
party for such purposes. You can exercise your right to prevent
such processing by checking certain boxes on the forms we use to
collect your data. You can also exercise the right at any time by
contacting us at HomeGround Management Limited, PO Box 6433, London
W1A 2UZ OR firstname.lastname@example.org.
Our site may, from time to time, contain links to and from the
websites of our partner networks, advertisers and affiliates. If
you follow a link to any of these websites, please note that these
websites have their own privacy policies and that we do not accept
any responsibility or liability for these policies. Please check
these policies before you submit any personal data to these
Access To Information
The Act gives you the right to access information held about
you. Your right of access can be exercised in accordance with the
Act. Any access request may be subject to a fee of £10 to meet our
costs in providing you with details of the information we hold
be posted on this page and, where appropriate, notified to you by
are welcomed and should be addressed to HomeGround Management
Limited, PO Box 6433, London W1A 2UZ OR
HomeGround Management Ltd is registered with the Information
Commissioner's Office as a data controller.
When we refer to "personal information" in this
individual, or is capable of doing so. We may hold and use
data about you in your capacity as a leaseholder, business customer
or solicitor or any other capacity in which you may visit this
clicking 'accept' and continuing to visit any of our websites or
use of any of our services, you indicate your agreement to our use
What information do we collect about you?
We collect information about you when you become our leaseholder
or apply to use any of our services or contact us in person, by
telephone, by e-mail or by post. When you access or use our
website, website usage information is collected using cookies.
How will we use your information?
We collect information about you for the following reasons: to
process an application to use our services; to verify your identity
to help prevent money laundering and financial crime; to help
protect your information and prevent unauthorised access to your
information; and to help to improve the services we provide to you.
We use a secure database to save any correspondence we
receive from you. We may use, collect and share your
information (including but not limited to, information from
cookies, log files, location data, and usage data) with businesses
that are legally part of the same group of companies with
HomeGround, or that become part of that group ("affiliates") in
order to facilitate the objectives listed above. Information
will be shared with third parties where this is necessary to enable
us to provide our services to you or to allow us to comply with our
legal or regulatory obligations. For further information on
this point please contact email@example.com
Third parties with whom we will share your information
and the reasons for this are as follows:
Solicitors - We share information with solicitors when a request
is made during a sale/ transfer process. We also share
information with solicitors when landlord consents have been
requested from HomeGround. Lastly, we share information with
solicitors when HomeGround outsource ground rent and insurance debt
collection.Managing Agents - Your service charge or other third
party property managing agents will regularly liaise with
HomeGround to ensure that both companies have the best information
available on their records about the current leaseholder.Our
professional advisers - Our appointed auditors, accountants,
lawyers and other professional advisers sometimes require access to
the information we hold in order to advise us.
Access to your information and correction
You have the right to request a copy of the information that we
hold about you. If you would like a copy of some or all of the
personal information we hold about you please contact us using the
contact details on our website. In line with the Information
Commissioners Office, we will endeavour to provide the fullest
information within 40 days of receiving the request. Our fee
in the matter is £10.00. We want to make sure that your
personal information is accurate and up-to-date. You may ask us to
correct or remove information you think is inaccurate.
How we protect your personal information
We take appropriate security measures (including physical,
electronic and procedural measures) to help safeguard your personal
information from unauthorised access and disclosure. For example,
only authorised employees are permitted to access personal
information, and they may do so only for permitted business
functions. In addition, we use firewalls to help prevent
unauthorised persons from gaining access to your personal
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