§ TERMS

Terms of Use

Last updated: 27 October 2026

Draft for review. Reshaped into introducer-appropriate terms and branded to your company. For a finance introducer passing leads to FCA-authorised firms, have this checked by a solicitor or a UK legal-template service before it goes live to the public.

These terms apply between you (the user of this website) and Sunfruit Limited (company number 15032642), a company registered in England and Wales whose registered office is at 18a Gawsworth Avenue, Didsbury, Manchester, M20 5NF, trading as Instacapital ("we", "us", "our"). By using this website (instacapital.co.uk) you agree to these terms.

1. Who we are and what we do

Instacapital is a trading name of Sunfruit Limited. We operate this website and the property-check and enquiry tools on it.

We are an introducer only. We are not a lender, a mortgage or finance broker, or a provider of financial, investment, tax or legal advice, and we are not authorised by the Financial Conduct Authority. When you make an enquiry, we introduce you to nominated FCA directly authorised agents who may be able to help with finance. Those agents deal with you directly and under their own terms and are responsible for any advice, recommendation or arrangement. Nothing on this website is financial advice or a personal recommendation.

2. Our fees

We do not charge you a fee for making an introduction. We may receive a commission or fee from an agent or lender if your enquiry results in finance being arranged.

3. The property check and information on this site

The website offers a free property-information tool that returns data from public sources (such as energy performance certificates and planning records), together with other general information.

This information is provided for general guidance only. It may be incomplete, out of date, or not specific to the exact property.
Any estimated or indicative figures are not valuations, offers or advice.
You must not rely on information from this website when making any finance, purchase or investment decision. Always verify independently and take professional advice.
We do not warrant the accuracy or completeness of third-party data.

4. Using this website

You may use the website only for lawful purposes and in accordance with these terms. You must not misuse it — including by submitting false or misleading information, attempting to gain unauthorised access to it or its data, introducing malicious code, or disrupting its operation.

When you submit an enquiry you confirm that the information you provide is accurate and that you are authorised to provide it.

5. Intellectual property

All content on this website — including text, graphics, logos, images, page layout, underlying code and software — is owned by Sunfruit Limited or our licensors and is protected by UK and international intellectual property law. You may not reproduce, copy, distribute or reuse it without our written permission, except as expressly permitted by law. You may link to our home page without prior permission.

6. Links to other websites

The website may link to other websites that are not under our control. We assume no responsibility for their content and accept no liability for any loss or damage arising from your use of them. A link does not imply our endorsement.

7. Disclaimer

The website and its tools are provided "as is" and "as available". We make no warranty that they will be error-free, uninterrupted, fit for a particular purpose, or that any information on them is accurate or current. We make no guarantee of any particular outcome from using the website or from any introduction.

We accept no liability for any disruption or non-availability of the website resulting from causes outside our reasonable control.

8. Limitation of liability

To the maximum extent permitted by law, we accept no liability for any direct or indirect loss or damage — foreseeable or otherwise — arising from your use of the website, its tools or any information on it, or from the acts, omissions, products or services of any agent or lender we introduce you to. You use the website at your own risk.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for any other liability that cannot lawfully be excluded.

9. General

If we do not exercise a right or remedy under these terms, that is not a waiver of it. If any term is found to be unlawful or unenforceable, it shall be severed and the remaining terms continue to apply. These terms are the entire agreement between you and us regarding the website.

10. Notices

Notices to us may be sent by post to our registered office (18a Gawsworth Avenue, Didsbury, Manchester, M20 5NF) or by email to info@instacapital.co.uk. You can also contact us on 07500 771244.

11. Law and jurisdiction

These terms and any dispute relating to them or to your use of the website are governed by the laws of England and Wales and subject to the exclusive jurisdiction of its courts.