How we act for you
We can act for you if you live in the United Kingdom. There may be restrictions on how we can advise you if any of the following apply:

• You don’t live in the UK.
• You are currently staying in the UK, but normally live abroad OR
• You are currently staying in the UK and plan to move abroad or return to another country.

Please ask us for details if you think this may apply to you.

Conflicts of interest
Occasions may arise where we or one of our other clients have some form of interest in business being transacted for you. If this happens, or we become aware that our interests or those of one of our other clients conflicts with your interests, we will write to you and obtain your approval to proceed in the light of the disclosure. We will set out the steps we will take to ensure your fair treatment in the event of a conflict of interest and you decide to allow us to continue to act for you.

Allowable Inducements
We may receive reasonable non-monetary benefits from lenders. We will not accept benefits that are unreasonable.

How we charge you for our services
Full descriptions of the payment options we offer are included in the Initial Disclosure Document which we have issued to you.

Client money
We do not handle clients’ money. We never accept cheques made payable to us or handle cash (unless it is payment in settlement of our fees and disbursements for which we have sent you an invoice). If you do send us money, this may delay your transaction as we may have to return it to you.

Data protection
Please refer to the separate Data Protection Statement that we have issued to you that sets out how we collect and use data about you.

Communications
We will communicate with you by means convenient to you and us. Our usual methods are video conferencing meetings, face-to-face meetings, telephone, email and messages via our portal amongst others.

If you ask us to do something for you, we will confirm this to you in writing to ensure that we have understood your instructions correctly. If we give you advice, we will usually confirm it to you in writing.

Provision of information by you
We seek to ensure that any personal information we hold about you should remain accurate and up to date, as this could affect the advice we give you. Therefore, please let us know if there are any significant changes to your personal details, when they occur.

If we ask you to fill out any forms or documents, you must do this promptly, accurately and honestly. You may be committing a criminal offence by completing a form with information that is not accurate or truthful. We will not be liable to you if you suffer financially because you have not completed a form or document truthfully or accurately. As and when requested, you must provide instructions to us in a timely and clear manner.

When we first meet, we will discuss the services we offer.

Termination of Authority
You or we may terminate our authority to act on your behalf in the provision of home finance business at any time and this Terms of Business, without penalty.

Notice of this termination must be given in writing and will take effect from the date of receipt.

Any mortgage transactions that we are arranging will be completed in accordance with this Terms of Business unless you and we agree otherwise in writing. You will be liable to pay for any transactions made and/or services that are underway, carried out prior to termination and any fees and disbursements that are outstanding.

Applicable Law and Jurisdiction
These Terms of Business will be interpreted and construed in accordance with English law and are subject to the exclusive jurisdiction of the English courts, except if your address is in Scotland, when the courts of Scotland shall have non-exclusive jurisdiction.

This is a legally binding agreement upon which you and we intend to rely. You should read the terms carefully before signing. By signing, you consent to the terms and conditions of this Terms of Business agreement. If there are any terms within this Terms of Business that you do not understand, please ask for further information. This Terms of Business Agreement will come into effect from the date you sign it.