Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Assesr platform ("Platform"), operated by Assesr Ltd ("we", "us", "our"). By registering an account, submitting information, or otherwise using the Platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Platform.

Assesr is a technology platform that connects property developers, investors, and other borrowers ("Borrowers") with potential lenders ("Lenders") and intermediaries ("Brokers") across specialist UK property finance, including development finance, buy-to-let, and commercial mortgages. We do not ourselves lend money, hold or handle any lending funds, provide regulated financial advice, or act as a broker. All lending decisions are made by the Lenders themselves.

These Terms are the umbrella that governs everyone's use of the Platform. Depending on your role, you may also sign a separate agreement — the Borrower Agreement, Broker Agreement, Lender Agreement, or Partner Agreement — which sets out the commercial terms specific to that role (fees, commission, confidentiality, and no-circumvention). Where an agreement you have signed covers a matter, that agreement prevails over these Terms on that matter.

• "Platform" — the Assesr website, applications, APIs, and related services.
• "User" — anyone who accesses or uses the Platform, including Borrowers, Brokers, Lenders, and Partners.
• "Borrower" — a User who submits a property finance opportunity to the Platform seeking indicative or formal loan terms from Lenders.
• "Broker" — a User who submits deals on behalf of a Borrower, with the Borrower's authority.
• "Lender" — a User who is invited or matched to review deals on the Platform for the purpose of evaluating property finance opportunities (including development finance, buy-to-let, and commercial lending).
• "Partner" — a User who introduces borrowers, brokers, or lenders to Assesr through a referral link and earns commission on qualifying referrals that draw down, in accordance with the Partner Agreement.
• "Credit Paper" — the structured analysis document generated by the Platform from User-submitted data and, where applicable, uploaded documents.
• "Deal" — a property finance opportunity submitted to the Platform.
• "Assesr Fee" — the fee described in Section 6.

You must be at least 18 years old and have the legal capacity to enter into these Terms. Businesses must be duly incorporated or formed under the laws of their jurisdiction and be represented by an authorised person.

You are responsible for the accuracy of all information you provide, for keeping your login credentials secure, and for all activity that occurs under your account. You must notify us immediately of any unauthorised access or security breach.

4.1 Deal submission

Borrowers and Brokers may submit Deals to the Platform. You represent and warrant that: (a) you have the authority to submit the Deal and share the information provided; (b) the information is accurate and complete to the best of your knowledge; and (c) you are not submitting the same Deal through Assesr and a competing platform in a way that breaches our exclusivity or circumvention obligations.

4.2 Matching and introductions

Assesr uses automated and manual processes to match Deals to potential Lenders based on the information provided. A match does not constitute an offer of finance or any binding commitment by Assesr or by any Lender. Lenders retain full discretion over whether to engage with a Deal.

4.3 Credit Papers

The Platform may generate a Credit Paper to help Lenders assess a Deal. Credit Papers are produced from User-submitted data and may be supplemented by automated or manual analysis. They are provided for informational purposes only and do not replace a Lender's own due diligence, legal advice, or valuation.

4.4 No financial advice

Nothing on the Platform constitutes financial, legal, tax, or regulated mortgage advice, and a Credit Paper is analytical information only, not a compliance, due-diligence, or fund-verification product. You should obtain independent professional advice before entering into any finance arrangement.

4.5 No handling of funds; anti-money-laundering

Assesr is an introducer and technology provider only. We do not receive, hold, control, or transmit any lending funds, and we do not verify, and have no responsibility to verify, the source, ownership, or legitimacy of any funds used in a Deal. Each Lender is solely responsible for its own anti-money-laundering, sanctions, know-your-customer, and source-of-funds checks and for the legitimacy of the funds it advances. Users must not use the Platform to launder money, evade sanctions, or facilitate any unlawful activity.

By using the Platform, you agree to our Privacy Policy. You acknowledge that Deal information shared with matched Lenders is provided for the purpose of evaluating a potential financing arrangement. Lenders are permitted to use that information solely for that purpose and must keep it confidential, subject to applicable law and their own professional obligations.

You grant Assesr a licence to use submitted data to operate, improve, and analyse the Platform, including to train and improve our matching and document-understanding systems, provided that we will not publicly disclose commercially sensitive information that identifies you or your Deal without your consent, except as required by law.

Users must not scrape, reverse-engineer, or systematically collect data from the Platform without our written consent.

6.1 Borrower and Broker pricing

The Assesr Fee is a flat 0.5% of the final loan amount drawn down, the same on every deal, plus VAT at the prevailing rate. The Borrower adds the Assesr Fee to their loan, so it is funded by the loan rather than paid up front, and the Lender deducts it from the loan and pays it to Assesr on the first drawdown. Where a Broker submits the deal, the Broker is responsible to Assesr for the fee. If the fee is not settled on drawdown, Assesr may invoice the Borrower or Broker directly via Stripe, payable within 14 days. There are no upfront fees, no subscription fees, and no charge for generating credit papers, and nothing is payable if the loan does not draw down. The full fee terms are set out in the Borrower Agreement (or, for a Broker, the Broker Agreement) you sign, which prevails on those terms.

6.2 Lender pricing

Lenders are not charged an upfront fee for accessing the Platform or reviewing Deals. Separate lender commercial terms may apply and will be set out in the Lender Agreement.

6.3 Payment processing

Payments are processed through Stripe or another payment provider we specify. You agree to comply with their terms and to provide accurate billing information. All fees are quoted exclusive of VAT unless stated otherwise.

6.4 Refunds and disputes

Because our fee is contingent on a successful drawdown, no fee is payable if the loan does not complete. If a fee is charged in error, contact us at jeremy@assesr.com and we will investigate promptly.

6.5 Partner commission

Partners who introduce Borrowers, Brokers, or Lenders through a referral link may earn commission on qualifying referrals that draw down. Commission is paid by Assesr to the Partner, is not a cost to the Borrower or Lender, and is set out in the Partner Agreement.

You must not:

• use the Platform for any unlawful purpose or in violation of any applicable law;
• submit false, misleading, or fraudulent information;
• impersonate another person or misrepresent your authority;
• attempt to gain unauthorised access to the Platform or its systems;
• interfere with or disrupt the Platform, its servers, or its networks;
• circumvent Assesr to complete a Deal directly with a party introduced through the Platform, or otherwise avoid the Assesr Fee (see Section 8);
• harass, abuse, or discriminate against other Users;
• copy, modify, distribute, or create derivative works of the Platform except as permitted by law.

If Assesr introduces you to a Lender, Borrower, Broker, or other counterparty, or if you learn of a financing opportunity through the Platform, you must not:

• complete the relevant transaction outside the Platform within 60 months (5 years) of the introduction;
• introduce the relevant party to a third party in order to avoid the Assesr Fee;
• use information obtained through the Platform to compete with Assesr or to replicate its services.

If you breach this clause, you will be liable to pay Assesr the fee that would have been due had the transaction completed through the Platform, plus any costs of enforcement.

All content, branding, software, and materials on the Platform are owned by Assesr or its licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Platform for its intended purpose. You may not use our trademarks without prior written consent.

To the fullest extent permitted by law, Assesr is not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, goodwill, or data, arising out of or relating to your use of the Platform.

Our total liability to you for any claim arising from these Terms or your use of the Platform is limited to the greater of (a) the amount you have paid us in fees in the 12 months preceding the claim, or (b) £100.

Nothing in these Terms limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

You agree to indemnify and hold harmless Assesr, its directors, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the Platform, your breach of these Terms, or your infringement of any third-party rights.

We may suspend or terminate your account and access to the Platform at any time, with or without notice, if we believe you have breached these Terms, engaged in fraudulent or harmful conduct, or if continued access would expose us or other Users to legal or operational risk.

You may close your account at any time by contacting us. Clauses that by their nature survive termination (including confidentiality, fees, no-circumvention, indemnity, and limitation of liability) will continue to apply.

These Terms are governed by the laws of England and Wales. Any dispute arising from or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts of England and Wales, except that we may seek injunctive or other equitable relief in any competent court.

Before bringing a formal claim, we encourage you to contact us so that we can attempt to resolve the matter informally.

We may update these Terms from time to time. We will notify you of material changes by email or through the Platform. Your continued use of the Platform after the changes become effective constitutes your acceptance of the revised Terms.

If you have any questions about these Terms, please contact us at jeremy@assesr.com.