Acceptable Use Policy

Last updated: 17 June 2026

This Acceptable Use Policy describes what you may and may not do when using Mortiqo. By using the Service, you agree to this Policy. Breach may result in suspension or termination.

1. Permitted Use

Mortiqo is provided for legitimate use by UK mortgage and protection advisers and the firms they work for, including:

Managing client relationships and cases
Collecting fact-find information from clients with lawful consent
Running compliance checks and generating suitability reports
Tracking renewals, pipelines, tasks and appointments
Storing and processing client documents securely

2. Prohibited Activities

You agree not to use Mortiqo to:

Break any applicable law, including UK GDPR, FCA rules, or money laundering regulations
Process personal data without proper lawful basis (consent, contract, legitimate interest)
Send unsolicited marketing communications (spam)
Upload viruses, malware, or any malicious code
Attempt to access accounts, data, or systems you're not authorised to access
Reverse-engineer, decompile, or copy the Service
Resell, sublicense, or share your account access with third parties
Use automated tools to scrape, copy, or extract data from the Service
Interfere with or disrupt the Service or other users
Misrepresent your identity or your firm's regulatory status
Use the Service to harass, defame, or harm any individual

3. Client Data Responsibilities

When you upload client data to Mortiqo:

You confirm you have lawful basis to process that data
You confirm the client has been informed about how their data will be used
You're responsible for ensuring data is accurate
You must honour any data subject rights requests (access, deletion, correction) from your clients

4. AI-Generated Content

Mortiqo's AI features assist your professional work but do not replace your judgement:

You must review all AI-generated content (compliance flags, suitability drafts, etc.) before relying on it
You're responsible for the final advice provided to your clients
You must not present AI-generated content as your own original work in regulatory submissions

5. FCA and Network Compliance

If you're an Appointed Representative, check with your network before adopting Mortiqo
Mortiqo's compliance features support your obligations but don't satisfy them on your behalf
You remain solely responsible for FCA compliance, including Consumer Duty obligations

6. Security

You agree to:

Keep your login credentials confidential
Use strong, unique passwords
Notify us immediately of any suspected security breach
Log out when finished using the Service on shared devices

7. Reporting Violations

If you become aware of any breach of this Policy, please report it to hello@mortiqo.com.

8. Consequences

Breach of this Policy may result in:

Warnings or temporary suspension
Permanent account termination without refund
Reporting to relevant authorities where required by law
Legal action where appropriate

9. Changes to This Policy

We may update this Policy occasionally. We'll notify you of significant changes.

10. Contact

Questions about this Acceptable Use Policy?

Email: hello@mortiqo.com
Phone: +44 7832 620797