--- title: "Terms & Conditions" date: 2025-11-12T08:20:00+00:00 author: Clinton canonical_url: "https://co-ownership.org/terms-conditions" section: Landing pages --- ![CO Staff chatting](https://co-ownership.s3-assets.com/2980x1000px/_2980x1000_crop_center-center_none/CO-Staff-chatting.png) # Terms & Conditions This notice was last updated: 14 April 2026 ## Contents These Terms and Conditions apply to your use of this website and to your interactions, applications, and participation in any Co-Ownership, Rent to Own, and Customer Panel activities. By accessing this website or continuing with any application or engagement, you accept and agree to be bound by these Terms and Conditions. Additional terms may apply to specific products, services, or activities. These appear in the relevant sections and form part of these Terms and Conditions. ## **About Us** These Terms and Conditions relate to: **Northern Ireland Co-Ownership Housing Association Limited (“Co-Ownership”)** and **OwnCo Homes Limited (“OwnCo Homes”)**, a wholly owned subsidiary responsible for the Rent to Own scheme. Registered office: Moneda House, 25–27 Wellington Place, Belfast, BT1 6GD Tel: 028 9032 7276 Email: References to **“we”, “us”, or “our”** mean Co-Ownership and OwnCo Homes. References to **“you”** mean any user of our website, applicant, customer, tenant, or participant in the Customer Panel. ## **General Terms of Use** The content on this website is provided for general information and support. It is not legal, financial, or tax advice, and should not be relied upon without seeking independent professional advice. Products and services are primarily available to residents of Northern Ireland. This website does not constitute an offer or solicitation by Co-Ownership or OwnCo Homes. This website should be accessed via its homepage and other primary navigation pages to ensure full visibility of important information about our products. ## **Intellectual Property** All material on this website including text, graphics, images, audio, software, logos, trademarks (registered or unregistered), and layout is owned by or licensed to Co-Ownership / OwnCo Homes. You may not copy, reproduce, modify, publish, upload, transmit, distribute, or exploit any material from this website without prior written permission. You may not use our corporate marks without our consent and only in line with our approved brand-use guidance. ## **Access and Security** You are responsible for ensuring you have suitable equipment, software, and internet connectivity to access this website, and for all related costs. You must notify us promptly in writing if you become aware of any unauthorised access or use of the website. We reserve the right to suspend website access immediately if you breach these Terms and Conditions. ## **Warranties and Disclaimers** The website and its content are provided “as is”. We do not warrant that: - information is complete, accurate, or up to date - access will be uninterrupted or error-free - defects will be corrected - downloads or use of the site will be free from viruses or harmful code ## **Acceptable Use** You must not use the website to: - damage, disable, overload, or impair its operation - interfere with other users - transmit unlawful, harmful, defamatory, obscene, or otherwise inappropriate material - distribute viruses or malicious code - engage in unauthorised advertising, data harvesting, or database creation Links to third-party websites are provided for convenience only. We do not endorse or accept responsibility for external content, and we cannot be held responsible for any losses incurred from use of these websites. ## **Downloads** If you download material from our website, you do so at your own risk. You are responsible for verifying its completeness and ensuring it is kept safe and unaltered. Do not offer downloaded material from our website. for sale. We may reject printed forms if updated versions now apply. ## **Limitation of Liability** We are not liable for any direct, indirect, incidental, or consequential loss of any kind arising from: - use of the website - inaccuracies or errors in its content - materials downloaded from our website - data corruption - equipment or software failure - viruses or harmful components - service interruptions Your sole remedy is to stop using the website. ## **Indemnity** You agree to indemnify and hold Co-Ownership and OwnCo Homes harmless against all claims, actions, costs, losses, damages, or expenses arising from your use of the website or your breach of these Terms and Conditions. This obligation continues after termination. ## **Call Recording** Calls to our offices may be monitored or recorded for quality, training, security, or regulatory purposes. ## **Monitoring** Internet communications to and from our domains may be monitored for security, staff safety, fraud prevention, and policy compliance. ## **Privacy** Use of personal data is governed by our [Privacy Notice](https://co-ownership.org/privacy-notice). ## **Severability** If any provision is found unlawful or unenforceable, it will be removed, and the remainder will continue in full force. ## **Waiver** Failure to exercise any rights does not constitute a waiver of future rights. ## **Governing Law** These Terms and Conditions are governed by Northern Ireland law. The courts of Northern Ireland have exclusive jurisdiction over disputes. ## **Interpretation** Headings are for convenience only, and they don't affect the interpretation of these terms and conditions. Singular includes plural and all genders include each other. We may update these Terms and Conditions at any time without notice. You are responsible for reviewing them regularly. Continued use of the website or ongoing engagement with our services confirms your acceptance of any changes made.