The terms, plainly stated

Effective from the day memberships open. Written to be read; if anything here is unclear, ask us and we'll answer plainly.

1. Who we are

Primehold is operated by Primehold App Limited, a company registered in England and Wales (company no. 17287472), registered office 111 Aldershot Road, Church Crookham, GU52 8JY, run by its founder, a practising specialist mortgage broker.

2. What Primehold is — and is not

Primehold is a record-keeping platform: a ledger for property portfolios, their lending, and their history. It computes figures from the entries you and your invited users put on the record.

Primehold does not give financial, investment, tax, or legal advice. Figures marked as estimates are estimates. Projections are arithmetic from assumptions you set, not forecasts. Primehold is not authorised or regulated by the Financial Conduct Authority; where you need advice, take it from a regulated adviser. If you ask us to introduce you to a broker, the introduction is to a regulated UK mortgage broker — which may be the founder's own practice — and the advice relationship is between you and them.

3. Your account

You are responsible for keeping your sign-in details private and for what is done under your login. Every entry on the record carries the name of the user who logged it. Invitations — to clients, to additional users, to brokers — are single-use links that expire; send them only to the person you mean to admit.

4. Your record and data protection

The portfolio record belongs to the owner it describes. You can export it whole at any time, and you can ask for your account and its data to be deleted entirely. If a broker link ends, the record stays with the owner and the broker's access is removed.

For the data you put on the record, you (the owner) are the data controller and Primehold is your processor — we process it only to provide the service, on your instructions. A broker or adviser you give access to acts as your authorised representative, on your behalf. You are responsible for having a lawful basis for the personal data you record about other people (for example tenants, contractors or agents) and for your obligations as a controller under UK data protection law. Please don't store special-category data — such as health, disability or criminal-record information — unless you have an appropriate lawful basis for it. How we handle personal data is set out in the privacy policy, which forms part of these terms.

5. Acceptable use

Use Primehold for keeping genuine portfolio records. Don't attempt to access records that aren't yours, probe or disrupt the service, or put unlawful content on the record. We may suspend an account that does — with notice and the chance to export, except where the conduct makes that impossible.

6. Fees

Brokers pay for Primehold as a monthly membership, priced on the pricing page at the time they subscribe; broker prices are quoted excluding VAT. Price changes apply only to brokers, never retrospectively, and a broker is always told before a renewal at a new price.

Property owners never pay Primehold. You start free — your first three properties — and connecting a broker unlocks the full product at no cost to you, for as long as that link holds.

7. Service and care

We run Primehold with the care a ledger deserves: UK-based hosting, encrypted connections, audited changes, and backups. We don't promise uninterrupted availability — maintenance and deployments happen — but interruptions are kept short and your data survives them.

8. Liability

Nothing in these terms excludes liability that cannot be excluded under the law of England and Wales, including for fraud or for death or personal injury caused by negligence. Subject to that: we are not liable for decisions made on figures in the record (the record holds what was logged into it), for indirect or consequential loss, or for loss of profit; and our total liability in any twelve-month period is capped at the fees you paid us in that period.

9. Ending things

A broker can cancel their membership at any time; access runs to the end of the paid period. A property owner can stop using Primehold at any time — there is nothing to cancel and no period to run out — and can export their record before, during, and after. Deleting your login is permanent and removes your access; erasing the whole record — which you can request, or a linked broker can do in the app — removes everything attached, and we'll say so plainly before anything is removed.

10. Changes and law

If these terms change materially, account holders are told by email before the change takes effect. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction.

Questions about these terms: scott@primehold.co.uk.