Terms of Service

1. Parties and Scope

These Terms of Service ("Terms") form a legally binding agreement between you ("User", "you") and Assesr ("Assesr", "we", "us", "our"), the operator of the website at assesr.com and the associated web application (collectively, the "Platform").

By accessing or using the Platform — including creating an account, uploading documents, viewing credit papers, or interacting with any feature — you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Platform.

If you are using the Platform on behalf of an organisation, you represent and warrant that you have authority to bind that organisation to these Terms. References to "you" then include that organisation.

2. Definitions

• "Borrower" — a User who submits development scheme information to the Platform for the purpose of obtaining development finance.
• "Broker" — a User who submits scheme information on behalf of a third-party borrower or developer.
• "Lender" — a User who accesses deal submissions, credit papers, and related materials through the Platform for the purpose of evaluating development finance opportunities.
• "Credit Paper" — the structured analysis document generated by the Platform from User-submitted data and documents, including financial appraisals, risk grading, sensitivity analyses, and related outputs.
• "Deal" — a development finance opportunity submitted to the Platform by a Borrower or Broker.
• "User Content" — all data, documents, files, text, images, and information that you upload, submit, or otherwise provide to the Platform.

3. Eligibility and Account Registration

3.1 Eligibility

The Platform is intended for use by professionals engaged in or seeking UK property development finance. You must be at least 18 years old and have the legal capacity to enter into binding contracts in your jurisdiction. If you are a regulated entity, you are solely responsible for ensuring your use of the Platform complies with all applicable regulatory requirements.

3.2 Account security

You authenticate via third-party OAuth providers (e.g. Google, Apple) or via email-based magic link. You are responsible for maintaining the security of your authentication credentials and for all activity that occurs under your account. You must notify us immediately at deakidj93@gmail.com / jeremy.church@icloud.com if you suspect any unauthorised access.

3.3 Accuracy of information

You represent and warrant that all information you provide is accurate, complete, and current. We reserve the right to suspend or terminate accounts that contain materially false or misleading information.

4. The Platform and Services

4.1 What the Platform does

Assesr is a technology marketplace that: (a) allows Borrowers and Brokers to upload development scheme information and documents; (b) uses artificial intelligence and automated processes to generate Credit Papers; (c) matches Deals to Lenders based on stated preferences; (d) facilitates communication between parties in the development finance process, including structured information requests with automated contact detail redaction; (e) tracks deal response times and service-level metrics; (f) enables Lenders and Borrowers/Brokers to leave verified deal reviews and performance ratings; and (g) calculates marketplace reputation tiers based on verified deal activity.

4.2 What the Platform is not

Assesr is not a lender, financial adviser, mortgage broker, investment adviser, or credit broker. The Platform does not provide financial advice, investment advice, tax advice, legal advice, or any form of regulated financial service. Credit Papers are informational outputs generated from data you provide — they are not recommendations, endorsements, guarantees of funding, or professional valuations. Assesr does not make lending decisions and has no control over whether any Lender offers terms on any Deal.

Assesr is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry out any activity that requires FCA authorisation. The Platform operates as a B2B technology service providing data structuring and marketplace matching. Users should obtain independent professional advice before making any financial decisions.

4.3 AI-generated content

Credit Papers and other analytical outputs are generated using artificial intelligence, including third-party large language models. While we endeavour to produce accurate, useful outputs, AI-generated content may contain errors, inaccuracies, omissions, or hallucinations. You acknowledge that:

• AI outputs reflect and are constrained by the quality, completeness, and accuracy of the data and documents you provide;
• No AI output constitutes professional advice, a valuation, or a guarantee of any kind;
• You are solely responsible for verifying, reviewing, and validating any information before relying on it or presenting it to third parties;
• Risk grades, financial appraisals, sensitivity analyses, and comparable benchmarking are indicative only and must not be treated as substitutes for independent professional assessment.

4.4 Third-party data

The Platform may incorporate data from third-party sources including HM Land Registry, Companies House, the Environment Agency, the Energy Performance Certificate register, the Planning Data service, and the Office for National Statistics. This data is provided "as is" and we make no representation as to its accuracy, completeness, or timeliness. Third-party data is subject to the terms and licensing conditions of the respective data providers.

4.5 E-signatures

The Platform may require you to provide an electronic signature to confirm acceptance of fee agreements, terms, review consent, or other documents. E-signatures are captured alongside tamper-evidence data including a timestamp, your IP address, browser user agent, and cryptographic hashes (SHA-256) of the signed content. By providing an e-signature you acknowledge that it constitutes your binding consent to the relevant document, equivalent in legal effect to a handwritten signature to the maximum extent permitted by applicable law.

4.6 Deal reviews and marketplace reputation

After a Deal completes, the Platform may invite both parties to leave a verified review. Reviews include category ratings, a written review, tags, and a "would work again" indicator. Reviews are verified by default and may be displayed publicly on your marketplace profile. The Platform calculates marketplace reputation tiers based on verified deal completions, response times, and overall performance metrics. Your tier, ratings, and review count may be visible to other Users.

4.7 Webhooks and integrations

Lenders may configure webhook endpoints to receive automated notifications about Deal events (e.g. status changes, document additions). Data delivered via webhooks is authenticated with HMAC-SHA256 signatures. You are responsible for the security of your webhook endpoints and for ensuring that any data received is handled in accordance with applicable Data Protection Laws.

4.8 Service-level tracking

The Platform tracks Lender response times against indicative service-level targets (e.g. initial response, document requests, term sheet provision). These metrics are used to calculate marketplace reputation and may be visible to Borrowers and Brokers when evaluating Lender profiles. They are informational only and do not constitute binding service-level commitments by any party.

4.9 Beta and availability

The Platform is currently in beta. Features may be added, modified, or removed without notice. We do not guarantee uninterrupted, error-free, or secure access to the Platform. We may suspend or discontinue the Platform (or any part of it) at any time, with or without notice, and without liability.

5. User Content and Intellectual Property

5.1 Ownership

You retain all ownership rights in your User Content. Nothing in these Terms transfers ownership of your User Content to Assesr.

5.2 Licence grant

By uploading User Content, you grant Assesr a worldwide, non-exclusive, royalty-free, sublicensable licence to use, copy, store, process, transform, display, and transmit your User Content solely for the purposes of: (a) providing the Platform services (including generating Credit Papers and matching you to Lenders); (b) improving and developing the Platform; and (c) complying with applicable law. This licence continues for as long as your User Content is stored on the Platform and for a reasonable period thereafter to allow for backup deletion.

5.3 Submissions to Lenders

When a Deal is submitted to the marketplace, the following data is shared with matched Lenders: all information provided through the Deal intake form (including scheme details, borrower information, loan requirements, site specifics, planning data, build details, GDV and exit strategy, fees and finance, and equity and security information), all uploaded documents (including identity documents, proof of address, title documents, planning permissions, QS reports, valuations, sponsor CVs, build programmes, surveys, and any other supporting materials), the AI-generated Credit Paper, and any area enrichment data associated with the Deal. You acknowledge and expressly consent to this disclosure. Lenders may only access Deals that have been matched to them through the Platform's matching system.

5.4 Representations regarding User Content

You represent and warrant that:

• You have all necessary rights, licences, and permissions to upload and share your User Content;
• Your User Content does not infringe any third party's intellectual property, privacy, or other rights;
• Your User Content does not contain any malicious code, virus, or harmful component;
• Where you are a Broker submitting on behalf of a third-party borrower, you have obtained all necessary authorisations and consents from that borrower.

5.5 Assesr IP

All intellectual property in the Platform — including its software, design, algorithms, models, credit paper templates, risk grading methodology, matching logic, trade marks, and brand — is owned by or licensed to Assesr. Nothing in these Terms grants you any right, title, or interest in our intellectual property except the limited right to use the Platform in accordance with these Terms.

6. Fees and Payment

6.1 Borrower and Broker pricing

Borrowers and Brokers pay a 0.5% Assesr Fee on the final loan amount at drawdown, plus VAT at the prevailing rate. The fee is agreed at deal submission and invoiced automatically via Stripe when the loan draws down. Payment is due within 14 days. No upfront fees, no subscription fees, and no charges for generating credit papers.

6.2 Lender pricing

Lenders may be subject to subscription fees, transaction fees, or success fees as separately agreed. The specific terms will be set out in a Lender Participation Agreement.

6.3 Broker commissions

Where a Broker has a commission arrangement facilitated through the Platform, commissions are calculated and disbursed in accordance with the commission percentage recorded on the Deal and the final loan amount at drawdown. Commission payments are processed via Stripe Connect. Assesr is not responsible for any tax obligations arising from commission payments — Brokers are solely responsible for their own tax affairs.

6.4 Taxes

All fees are exclusive of applicable taxes. You are responsible for all taxes, duties, and levies imposed on you in connection with your use of the Platform, except for taxes on our net income.

7. Lender Application and Obligations

7.1 Lender application and approval

Access to the Lender side of the marketplace requires submission of a lender application, which may include your company number, contact telephone number, FCA reference (if applicable), website, lending types, geographic coverage, and loan size range. Applications are reviewed and approved or rejected at Assesr's sole discretion. We are under no obligation to approve any application or to provide reasons for rejection.

7.2 Reporting of deal completion

Lenders who fund a Deal that was introduced, facilitated, or processed through the Platform are required to report the completion and drawdown of that Deal to Assesr within 5 business days of drawdown. Failure to report a completed Deal constitutes a material breach of these Terms and may result in the imposition of additional fees, suspension, or termination of the Lender's account.

7.3 Off-platform completion

If a Lender is introduced to a Borrower or Deal through the Platform, and the Lender subsequently funds that Deal (or a substantially similar deal with the same borrower, sponsor, or site) outside the Platform within 24 months of the initial introduction, the Lender remains liable for all applicable fees as if the Deal had been completed through the Platform. We may verify completion through public registries including HM Land Registry charge data and Companies House filings.

7.4 Confidentiality of deal information

Lenders must treat all Deal information, Credit Papers, uploaded documents, and related materials as confidential. Lenders may not share, forward, or disclose Deal information to any third party without the prior written consent of the Borrower (or Broker acting on the Borrower's behalf) and Assesr, except as required by law or regulation or for the Lender's own internal credit assessment purposes.

7.5 Lender data handling obligations

Upon receiving Deal information, documents, and Credit Papers through the Platform, the Lender becomes an independent data controller (or, where applicable, a joint controller with Assesr) in respect of any personal data contained within those materials. The Lender is solely responsible for handling such data in compliance with all applicable Data Protection Laws, including the UK GDPR and Data Protection Act 2018.

7.6 Mandatory data deletion on deal cancellation, withdrawal, or decline

If a Deal is cancelled, withdrawn by the Borrower or Broker, declined by the Lender, or otherwise terminated before drawdown, the Lender must:

1. Permanently delete or destroy all copies of the Borrower's personal data, uploaded documents, Credit Papers, and any other Deal materials received through the Platform — including any copies stored in the Lender's own systems, email, CRM, cloud storage, shared drives, or any other location — within 30 calendar days of the cancellation, withdrawal, or decline date;
2. Confirm deletion in writing to Assesr upon request;
3. Not retain any personal data from the cancelled Deal except where retention is strictly required by law or regulation, in which case the Lender must: (a) limit retention to only the data required; (b) ensure that data is held securely and not used for any other purpose; and (c) delete it as soon as the legal retention obligation expires.

Assesr has no control over, and accepts no liability for, the Lender's handling, storage, security, or deletion of Borrower data once it has been made available to the Lender through the Platform. The Lender indemnifies Assesr against any claims, losses, damages, or regulatory penalties arising from the Lender's failure to comply with its data handling and deletion obligations under this Section or under applicable Data Protection Laws.

7.7 Borrower data not to be used for unsolicited marketing

Lenders must not use Borrower personal data obtained through the Platform for unsolicited marketing, lead generation, or any purpose other than evaluating and progressing the specific Deal for which the data was shared. Breach of this provision constitutes a material breach of these Terms and may result in immediate suspension or termination of the Lender's account.

8. Prohibited Conduct

You must not:

1. Use the Platform for any unlawful purpose or in violation of any applicable law or regulation;
2. Submit false, fraudulent, misleading, or deliberately incomplete information;
3. Attempt to circumvent, disable, or interfere with the Platform's security, access controls, or matching features;
4. Scrape, harvest, crawl, or use automated means to access the Platform or extract data, except through approved APIs or webhook integrations;
5. Reverse-engineer, decompile, or disassemble the Platform or any of its components;
6. Use the Platform to transmit spam, malware, or any harmful content;
7. Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
8. Use Credit Papers, risk grades, or other Platform outputs in marketing materials or public communications without our prior written consent;
9. Circumvent the Platform to complete transactions that were introduced or facilitated through the Platform, in order to avoid applicable fees;
10. Share account credentials or allow multiple individuals to use a single account;
11. Use the Platform in a manner that could damage, disable, overburden, or impair its functionality;
12. Attempt to circumvent the Platform's contact detail redaction system by embedding contact information in non-standard formats within information requests or other communications;
13. Manipulate or artificially inflate marketplace reputation metrics, review scores, or response-time data;
14. Submit false, misleading, or retaliatory deal reviews.

9. Disclaimers and Limitation of Liability

9.1 "As is" provision

The Platform and all services, content, and outputs (including Credit Papers) are provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by applicable law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and any warranties arising from course of dealing or usage of trade.

9.2 No guarantee of outcomes

We do not guarantee that: (a) you will receive any lending offers; (b) any Credit Paper will be accurate, complete, or suitable for any purpose; (c) any lender-borrower relationship facilitated through the Platform will result in a completed transaction; (d) the Platform will be uninterrupted, timely, secure, or error-free; or (e) any data sourced from third parties is accurate or current.

9.3 Limitation of liability

To the maximum extent permitted by applicable law, in no event shall Assesr, its founders, officers, employees, agents, or affiliates be liable for:

• Any indirect, incidental, special, consequential, punitive, or exemplary damages;
• Loss of profits, revenue, data, business opportunities, goodwill, or anticipated savings;
• Cost of procurement of substitute services;
• Damages arising from reliance on any Credit Paper, risk grade, financial appraisal, or other output of the Platform;
• Damages arising from the actions, omissions, or conduct of any other User (including Lenders, Borrowers, or Brokers);
• Damages arising from any delay, failure, or interruption of the Platform;

regardless of the theory of liability (whether contract, tort, strict liability, or otherwise) and even if Assesr has been advised of the possibility of such damages.

9.4 Aggregate cap

Our total aggregate liability for all claims arising out of or in connection with these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees paid by you to Assesr in the 12 months preceding the claim; or (b) £100. This cap applies regardless of the form or theory of the claim.

9.5 Jurisdictional limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability shall be limited to the maximum extent permitted by applicable law. Nothing in these Terms excludes or limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under applicable law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Assesr and its founders, officers, employees, and agents from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Platform; (b) your User Content; (c) your breach of these Terms; (d) your violation of any law, regulation, or third-party right; (e) any claim by a third party relating to information you submitted through the Platform; or (f) if you are a Broker, any claim by a borrower or other party on whose behalf you acted.

11. Termination

11.1 By you

You may stop using the Platform at any time. To close your account, contact us at deakidj93@gmail.com / jeremy.church@icloud.com. Closure of your account does not release you from any obligations that accrued before termination, including payment obligations and lender reporting requirements.

11.2 By Assesr

We may suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice. We will make reasonable efforts to notify you in advance where practicable, but we are under no obligation to do so. Grounds for termination include (but are not limited to) breach of these Terms, suspected fraud, prolonged inactivity, or conduct that may harm the Platform or other Users.

11.3 Effect of termination

Upon termination: (a) your right to access the Platform ceases immediately; (b) we may delete your account data in accordance with our retention policies and Privacy Policy; (c) sections that by their nature should survive (including Sections 5, 7 (in particular 7.5, 7.6, and 7.7), 9, 10, 12, 13, 14, and 15) shall survive termination.

12. Dispute Resolution and Governing Law

12.1 Governing law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

12.2 Jurisdiction

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms. However, nothing in this clause shall prevent us from seeking injunctive or other equitable relief in any court of competent jurisdiction worldwide.

12.3 Informal resolution

Before bringing any formal claim, you agree to attempt to resolve any dispute informally by contacting us at deakidj93@gmail.com / jeremy.church@icloud.com. We will attempt to resolve the matter within 30 days. If the dispute cannot be resolved informally, either party may proceed with formal proceedings.

12.4 Class action waiver

To the maximum extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this waiver is found to be unenforceable in your jurisdiction, this clause shall not apply to you.

13. General Provisions

13.1 Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via the email associated with your account or through the Platform, with at least 14 days' notice before they take effect. Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to any changes, you must stop using the Platform before the effective date.

13.2 Entire agreement

These Terms (together with the Privacy Policy and any Lender Participation Agreement) constitute the entire agreement between you and Assesr regarding the Platform and supersede all prior agreements, representations, and understandings.

13.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, it shall be severed. The remaining provisions shall continue in full force and effect.

13.4 No waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by Assesr.

13.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets.

13.6 Force majeure

Assesr shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including natural disasters, acts of government, pandemic, war, terrorism, civil unrest, cyber attack, power outage, telecommunications failure, or third-party service outage.

13.7 Third-party rights

These Terms do not confer any rights on any third party under the Contracts (Rights of Third Parties) Act 1999 or any equivalent legislation in any jurisdiction.

13.8 Notices

Notices to you may be sent to the email address associated with your account. Notices to Assesr must be sent to deakidj93@gmail.com / jeremy.church@icloud.com. Notices are deemed received when sent by email upon transmission, unless the sender receives an automated failure notification.

14. International Users

The Platform is designed primarily for UK property development finance. If you access the Platform from outside the United Kingdom, you do so at your own initiative and are responsible for compliance with applicable local laws. We make no representation that the Platform or its content is appropriate, available, or lawful in any particular jurisdiction outside the UK. We reserve the right to limit availability to any person, geographic area, or jurisdiction at any time.

15. Partner Programme

15.1 Eligibility and Application

Any registered user may apply to join the Assesr Partner Programme. Approval is at our sole discretion. We may reject or revoke partner status at any time for any reason, including but not limited to breach of these Terms or prohibited conduct.

15.2 Referral Attribution

Approved partners receive a unique referral link and may set up a branded referral page. When a new user clicks a partner's referral link, a 30-day attribution window begins. If the user signs up and creates a deal within this window, the deal is attributed to the partner. Attribution uses a first-touch model — the first partner whose link is clicked receives credit. Attribution cannot be transferred, disputed retroactively, or manually assigned. Commission applies to the first deal only per referred user — subsequent deals by the same user are not eligible for partner commission.

15.3 Commission and Tiers

Partners earn a percentage of the loan amount on the first referred deal per user that draws down. The base commission rate is 0.1% (Bronze tier). Higher rates are unlocked automatically based on the number of referred deals drawn down within a rolling 90-day window: Silver (3+ deals, 0.12%), Gold (8+ deals, 0.15%), Platinum (15+ deals, 0.18%). Tiers are recalculated automatically and may decrease if referral activity declines. Referred users receive a 50% discount on their first deal fee (0.25% instead of 0.5%). Commission is calculated on the final loan amount at drawdown. Tier thresholds and commission rates may be adjusted by Assesr with 30 days' notice.

15.4 Payment

Partner commissions are paid via Stripe Connect. Partners must complete Stripe onboarding, including identity verification, before payouts can be processed. Payouts are initiated automatically when a referred deal draws down. Assesr is not responsible for Stripe processing delays, failed transfers due to incomplete onboarding, or tax obligations arising from partner income.

15.5 Prohibited Practices

Partners must not: (a) refer themselves, create additional accounts for the purpose of self-referral, or earn commission on deals they are directly involved in as borrower or broker; (b) use misleading, spammy, or deceptive methods to generate referral clicks; (c) impersonate Assesr or claim to act on behalf of Assesr; (d) offer financial advice, arrange finance, or otherwise act in a regulated capacity unless appropriately authorised; (e) share referral links in a way that could bring Assesr into disrepute. Assesr may flag and investigate referrals where the referred user shares an email domain with the partner.

15.6 Termination

Assesr may suspend or terminate partner status at any time. Outstanding commissions for deals that have already drawn down will be paid. Pending referrals (deals not yet drawn) will not earn commission after termination. Partners may voluntarily leave the programme at any time by contacting support.

16. Contact

If you have any questions about these Terms, contact us at:

Assesr
Email: deakidj93@gmail.com / jeremy.church@icloud.com
Website: assesr.com