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By using this Website, I agree to be bound by these terms and conditions.
Definitions
The ‘website' you are currently visiting is a trading style of Global Finance
Services Ltd (Registered in England & Wales no. 5217901
) whose registered address is Lansdales House, Lansdales Road, High Wycombe, Bucks, HP11 2PB
Our service
Global Finance Services Ltd are directly authorised (through the Financial Services Authority – FSA) to provide advice on Insurance intermediation only.
Global Finance Services Ltd may at times introduce clients to a selected
panel of Independent Mortgage Advice companies.
Global Finance Services Ltd are directly authorised (through the Financial Services Authority – FSA) to provide advice on Insurance Intermediation Only. If we refer clients to Independent Mortgage Advisors, we ensure all partner advice companies are authorised (through the Financial Services Authority – FSA) to provide advice on Mortgages.
While every effort is made to ensure that all introducer panel advisers /
companies are competent and reputable, Global Finance Services Ltd
cannot take any responsibility for the advice provided by our partner advice
companies / advisers.
Web site content
The content of this web site should be viewed and taken as general information
on secured loans and on the service that can be provided through our
internet mortgage service – via our partner advice companies.
Although Global Finance Services Ltd is registered to provide financial advice,
it cannot conduct investment business. Information on this site is of a general
nature and is for general use only. In particular, the information does not
constitute advice and should not be used, construed or relied upon as such. If
you are in any doubt in respect of any financial decision, you should seek a
second opinion from a suitably qualified and regulated financial advisor. No
warranties, promises and / or representations of any kind, express or implied,
are given as to the nature, standard, accuracy or otherwise of the information
provided in this web-site nor to the suitability or otherwise of the
information to your particular circumstances.
The content of this web site should not be viewed or taken as advice on any
particular Loans or accociated products.
Global Finance Services Ltd provide advice on which product is most suitable for
you but this will carried out through our own qualified advisors. Should you
access an independent financial advisor via this web-site, no warranties,
promises and / or representations of any kind, express or implied, are given by
us as to the nature, standard, accuracy or otherwise of the information or
advice you may receive there from.
Your access to this site and the information therein is conditional upon your
acceptance of these terms and conditions.
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.
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.
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.
ii) This web-site may contain advertisements for third
parties. The third party advertisers take full responsibility for the material
submitted on the advertisements and the product or products advertised. We will
not accept responsibility for the accuracy of third party advertisements.
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.
Clause F does not affect your Statutory Rights as a consumer.
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.
ii) You are totally responsible for the accuracy of the
data that you input into any enquiry or application form.
iii) You are responsible for ensuring that any email or postal
address is secure from anyone that you would not wish to view any information
that may be provided to you from this site or our partners.
iv) You are responsible for the accuracy of the address
information provided to enable communication with you during the transaction
process. You must tell us if any of your address details change during the
advice process.
v) If you send a letter or email to us, you should not
assume that we have received it until you have received a response or reply
from us.
vi) You should be aware that we may record or monitor our
telephone calls to check any instructions or monitor our service standards.
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.
iii) 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.
iv) Due to the nature of electronic transmission of data over the
internet, any liability we may have for any losses or claims arising from an
inability to access the Website, or from any use of the Website or reliance on
the data transmitted using the Website, is excluded to the fullest extent
permissible by law.
v) 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.
vi) Subject to the liability which we accept in clause H (v) :- (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.
* For losses that were not foreseeable to both parties when the contract was
made * For losses that were not caused by any breach on part of the supplier *
For business losses and/or losses to non consumers.
Clauses H, i, ii, iii, iv, and v do not affect your Statutory Rights as a
consumer.
We cannot and will not guarantee that this web-site is free from computer
viruses or anything else that has destructive properties.
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.
Changes To These Legal Notices
We reserve the right to alter or amend these legal notices at any time and at
our discretion. When terms are changed, they will be displayed here. If you use
the site after changes have first appeared here, you will be bound by those
changes. The last changes made to these legal notices were made on 1st
June 2006.
Choice Of Law And Jurisdiction
i) Access to and use of this web-site is conditional upon your
agreement that any issue or dispute in relation to your use of this web-site
will be governed by English law and that you agree to submit to the exclusive
jurisdiction of the English Courts.
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.
General
I) Should you choose to download, print or copy any content
from this web-site, you must do so in accordance with these terms and
conditions. Such activity is permitted only for personal use and not for
commercial gain. Unless expressly stated otherwise on this web-site all other
use of the content is expressly forbidden.
ii) You may not assign or otherwise transfer any rights you
may accrue under these legal notices.
iii) These terms and conditions are provided only to the extent
that they are permitted by law. If any of these terms and conditions are
unenforceable in whole or in part, for whatever reason, that exclusion or part
exclusion will not affect the validity or enforceability of the remainder of
the terms and conditions or part contained herein.
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.
Your telephone calls
I) Telephone calls that you make to our customer service help
line 0800 007 5387may be monitored or recorded. This will help us to
train our staff and improve our service to you. A recording will only be used
under proper and careful supervision.
ii) Our customer service help line is available 6 days a week, all
calls will be free of charge.
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@GFSUK.com . Any complaints received will be dealt with in accordance
with our complaints procedure.
ii) You should put your complaint in writing and address it to our
Customer Services
Team (complaints handling) at our address given above (e-mail or postal).
iii) We will take your complaint / suggestion very seriously, and respond
rapidly with a view to resolving any issues / challenges to your complete
satisfaction, or ensure that the
Data protection
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.
Termination
i) We may terminate or suspend your access to the Website and
the services within it at any time.
ii) All disclaimers, indemnities and exclusions in these terms and
conditions shall survive termination of the agreement between us for any
reason.
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.
Governing law
These terms and conditions are governed by and construed in accordance with
English law. Any disputes shall be subject to the exclusive jurisdiction of the
English courts, to which each party submits.
Your home may be repossessed if you do not keep up repayments on your
mortgage.
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