1st Direct Mortgages terms and conditions. a) The Web site The ‘website' you are currently visiting is a trading style of Hello Finance Ltd (Registered in England & Wales no. 05501378) whose registered address is 7 Fidlas Road Llanishen Cardiff CF14 0LW. The service provided by Hello Finance Ltd through this web site is a “Mortgage Introductory Service” and internet information provision service. b) About Hello Finance Limited Hello Finance Ltd actively run and manage a portfolio of mortgage related websites. The following brands are trading styles of Hello Finance Ltd:- Hello Finance Limited is authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 446412. Our permitted business is introducing clients to authorised firms in respect of mortgage contracts and insurance policies. This web site may include other services and if those services are outside of the area regulated by the Financial Services Authority then they will not be regulated by the Financial Services Authority nor be under the Financial Ombudsman’s Scheme or under the Financial Services Compensation Scheme. (added) You can check this on the FSA’s Register by visiting the FSA’s website c) Our service Hello Finance Ltd introduce clients (through their portfolio of web sites) to firms who we believe are Authorised by the FSA and are on our panel of firms. We may receive an introductory fee or commission from the firms we introduce you to or from firms that advertise on our web site or who have links with our web site. We make no charge for your use of this web site but expect in return that you will comply with these terms and conditions. We only provide an introduction service and you will not receive advice or a recommendation from us. We will provide information about the firm that we introduce you to, however that information will have been provided to us by the firm and we can not and do not guarantee its accuracy. If you want us to provide you with additional information about the firms currently on our panel then please e-mail us at info@hellofinance.co.uk . Under the FSA rules each firm is required to provide you with details of their service so that you can decide whether their services are right for you. These documents are call initial disclosure documents (IDD) and should be provided to you before you are asked to come to any commitment. You are under no obligation to proceed with your allocated adviser. Whilst we make an effort to check that all the firms we introduce clients to are reputable firms registered with the FSA for the correct permission levels to provide mortgage advice we are reliant on others for the information we obtain and therefore we cannot guarantee or warrant the accuracy of these details and we take no responsibility for the suitability that the firms we introduce you to will meet your service needs. We provide no advice or recommendation over the firms we introduce you to and we are not acting on your behalf when making such an introduction. Provided the lead introduction form has been fully completed we will pass the information on to an authorised firm without delay and we will only pass those details to a firm from our panel. We will send you an e-mail acknowledgement that your form has been sent off and we will advise you the name and some details about that authorised firm who will then make direct contact with you. Should you access a financial advisor or mortgage intermediary via this web-site we do not warrant, take responsibility for, guarantee, endorse or recommend or make any representations whether express or implied over any advice, communication, service, action, product, statement or contract provided by the firm we introduce you to. The content of this web site should be viewed and taken as general information on the type of service you may wish to consider and is a general description of the levels of service that may be available from some of the individual firms on our panel. The content of this web site should not be viewed or taken as advice on any particular mortgage or type of mortgage. Hello Finance Ltd do not provide advice on which product is most suitable for you. Where third party material appears on our site we make no warranties and take no responsibility for the accuracy completeness fitness for purpose or the content of such third party material (whether or not such material is identified as third party material or not). Your access to this site and the information therein is conditional upon your acceptance of these terms and conditions. e) Access to the Website and its content i) We will endeavour to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time. ii) We reserve the right to change, modify, substitute, suspend or remove without notice any information or services on the Website from time to time. iii) We assume no responsibility for the content or services of any other websites to or from which the Website has links. IV) Whilst we take effort to keep our web site clean we cannot and will not guarantee that this web-site is free from computer viruses or anything else that has destructive properties. f) Intellectual Property i) The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, logo's, branding and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing. ii) You shall retain ownership of the data you submit to the Website. You grant us a world-wide, royalty-free, non-terminable licence to use, copy, distribute, publish and transmit such data in any manner. g) Third Party Links i) This web-site provides links to other web-sites owned by third parties. The content of such third party sites is not in our control and we will not take any responsibility for the information, products or other content thereon. Links to such third party sites are not to be taken as an endorsement of the third party site, of any products promoted, offered or sold on the third party site nor that such sites are free from computer viruses or anything else that has destructive properties. We do not take any responsibility for the collection or use of personal data by any third party sites and we shall not be liable for any loss or damage of whatsoever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise as a result of your dealing with these third parties. iii) We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application. h) Your Responsibility i) This web-site is designed for UK use only, and you are responsible for ensuring that you, and anyone else who may use your computer, satisfy that requirement. You should be aware that, in some geographic locations it may be an offence to apply for products accessible through this web-site from outside of the user's geographic area. i) Use Of This Web Site / Exclusions of liability. i) We use reasonable endeavours to ensure that the data on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions. ii) We cannot and will not guarantee that this web-site is free from computer viruses or anything else that has destructive properties. v) We shall not be liable for any loss or damage of whatever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise which may arise as a result of your use of (or inability to use) this web-site or from your use of (or failure to use) the information on this site. vi) Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA or for any decision made by the Financial Ombudsman Service for a complaint taken to the Financial Ombudsman Service. vii) With the exception of clause I.VI) above and subject to the terms of this agreement and limitation on liability spelt out in clauses I i) to V) above :- (a) our aggregate liability to you arising out of or in connection with this agreement or use of the Website shall not exceed £100; and (b) we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the Website for any indirect loss *, consequential loss, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation. Clauses H, i, ii, iii, iv, v and vi do not affect your Statutory Rights as a consumer. K) Choice Of Law And Jurisdiction i) Access to and use of this web-site is conditional upon your agreement to these terms and conditions and that these terms and conditions are governed by and construed in accordance with English law. ii) We shall retain the right, for our benefit only, to bring proceedings as to the substance of the matter in the courts of your jurisdiction. l) General m) Data submitted by you You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology. You warrant that you have the authority and right to submit such data including any data provided on behalf of another. You warrant that where that information involves another party that you have obtained sufficient warranty and agreement from them that their information can be used by us as per these terms and conditions. By summiting the enquiry form or by sending us an e-mail you agree to our use of the information you have submitted. You warrant and agree that we may use that information for;
We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy. We may disclose your details or access your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading, or any other applicable regulator, compliance monitor, Governmental or law enforcement agency. n) Complaints i) Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please write to our Customer Services Team (Complaints Handling) at our address given above, or email the team at complaints@hellofinance.co.uk. Any complaints received will be dealt with in accordance with our complaints procedure. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service if the complaint is relative to the provision of a regulated financial service. iii) We will take your complaint / suggestion very seriously, and respond rapidly with a view to resolving any issues / challenges you advise us of. o) Termination ii) All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason. p) General / Overview i) The content of this Website is directed solely at those who access the site from the United Kingdom . We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom . ii) The Website is for your non-commercial, personal use only and must not be used for business purposes. iii) If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected. iv) If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion. v) We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications. vi) Except as set out in the relevant clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other. vii) Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it. q) Financial Services Compensation Scheme. We are covered by the FSCS in respect of regulated activities. Activities which are not regulated will not be covered by this scheme.(added) You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Home reversion schemes and life time mortgages are not covered by the Financial Services Compensation Scheme. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. (added)
Further information about compensation scheme arrangements is available from the FSCS. Finds out more at their web site www.fscs.org.uk or
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