Website Terms of Use
Capricorn International
Last updated: June 2026
1. About These Terms
These Website Terms of Use (“Terms”) govern your access to and use of the websites capricornint.co.uk (“Capricorn International”) and capricorncommercial.co.uk (“Capricorn Commercial”) (together, “our websites”), both of which are operated by Capricorn Wealth Management Limited (“we”, “us”, “our”).
Capricorn Wealth Management Limited is a company registered in England and Wales under company number 06481670, with a registered office at 1 Queen Caroline Street, Hammersmith, London, W6 9YN.
We are an Appointed Representative of The Fiducia Network Ltd, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 917537.
By accessing or using our websites, you confirm that you accept these Terms and agree to comply with them. If you do not agree, please do not use our websites.
These Terms should be read alongside our Privacy Notice and Cookies Policy, which are incorporated by reference.
2. Changes to These Terms
We may revise these Terms at any time. The revised Terms will be posted on our websites with an updated date.
Your continued use of our websites following any changes will constitute your acceptance of the updated Terms. We recommend that you review these Terms each time you visit our websites.
3. Nature of Our Services
Capricorn International and Capricorn Commercial provide information about mortgage and commercial finance brokerage services. The content on our websites is provided for general information purposes only and does not constitute financial advice.
We are a credit broker and not a lender. We source finance from the whole of the lending market. We may receive commission from lenders for introducing clients; full disclosure of commission arrangements will be provided during your customer journey.
Not all products or services described on our websites are regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
4. Information on Our Websites
We take reasonable care to ensure that the information published on our websites is accurate and up to date at the time of publication.
However:
- We make no representations or warranties, express or implied, as to the accuracy, completeness, or fitness for purpose of the content on our websites.
- Content is subject to change without notice.
- Nothing on our websites constitutes professional, legal, tax, or financial advice.
- Past performance information included on our websites does not guarantee future results.
You should obtain independent professional advice before making any financial decision based on information contained on our websites.
5. Intellectual Property
All content on our websites, including text, images, graphics, logos, icons, page layout, and underlying code, is owned by or licensed to us and is protected by copyright and other intellectual property rights.
You may:
- View and print content for your own personal, non-commercial use.
- Share links to our websites.
You may not:
- Copy, reproduce, or republish content without our prior written consent.
- Remove or alter any copyright or proprietary notices.
- Use our logos, brand names, or trademarks without our express written permission.
- Scrape, data-mine, or systematically extract content from our websites.
6. Acceptable Use
You agree to use our websites only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use of our websites.
In particular, you agree not to:
- Use our websites in any way that violates applicable local, national, or international laws or regulations.
- Transmit any unsolicited or unauthorised advertising or promotional material.
- Introduce any malware, virus, Trojan horse, worm, or other harmful software or material.
- Attempt to gain unauthorised access to any part of our websites, servers, or networks.
- Engage in any conduct that disrupts or impairs the proper functioning of our websites.
- Collect or harvest personal data from our websites without our consent.
We reserve the right to suspend or restrict access to our websites for any user we believe to be in breach of these Terms or who poses a risk to us, our clients, or our systems.
7. Contact Forms and Enquiries
When you submit an enquiry through our websites, you agree to provide accurate and complete information.
You acknowledge that submitting an enquiry does not create a client relationship or constitute advice. A client relationship is only established when we have completed our onboarding procedures and entered into a formal client agreement with you.
Information submitted through our contact forms will be processed in accordance with our Privacy Notice.
8. Third-Party Websites and Links
Our websites may contain links to third-party websites. These links are provided for your convenience only.
We do not control, endorse, or take responsibility for the content, terms, or privacy practices of any third-party websites. You access linked websites at your own risk.
9. Disclaimer of Warranties and Limitation of Liability
To the extent permitted by applicable law:
- Our websites are provided on an “as is” and “as available” basis without any warranties of any kind, whether express or implied.
- We do not guarantee that our websites will be uninterrupted, error-free, or free of viruses or other harmful components.
- We will not be liable for any loss or damage arising from your use of or inability to use our websites, including any direct, indirect, incidental, or consequential loss.
- We will not be liable for any loss resulting from reliance on the content of our websites without obtaining independent professional advice.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under applicable law.
10. Regulatory Information
Capricorn Wealth Management Limited is an Appointed Representative of The Fiducia Network Ltd, which is authorised and regulated by the Financial Conduct Authority, FRN 917537.
Capricorn Wealth Management Limited is registered with the Information Commissioner’s Office under registration number Z1205062.
We are a member of the National Association of Commercial Finance Brokers (NACFB) and adhere to their Code of Practice.
The FCA’s register can be checked at register.fca.org.uk.
11. Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them are governed by and construed in accordance with the law of England and Wales.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales.
12. Severability
If any provision of these Terms is found by a court or other authority of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be deemed deleted, and the remaining provisions will continue in full force and effect.
13. Contact Us
If you have any questions about these Terms or our websites, please contact us:
- Capricorn International: info@capricornint.co.uk
- Capricorn Commercial: info@capricorncommercial.co.uk
- Telephone: +44 203 111 0900
- Post: 1 Queen Caroline Street, Hammersmith, London, W6 9YN