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Terms and Conditions

1. Financial Services and Markets Act...
   The Financial Services Authority requires that we provide you with what is known as a Key Facts document also known as the Initial Disclosure Document (IDD) to tell you about the services that we offer. It explains the products that we are able to recommend to you, our status and our charging methods. Our Terms of Business explains the different aspects of the way in which we operate and how this all affects you, the customer. This Terms of Business document will be effective from the date of receipt, but it may be amended by us following any initial interview intended to establish your current financial situation, objectives and attitude to financial risk. Any such amendment to the Terms of Business document will be forwarded to you within 10 working days of the day that the interview took place. However, irrespective of any amendments arising from such interviews, we reserve the right to amend the terms of this document without your consent, but we will give you at least 10 business days notice before conducting any relevant business, unless we consider it unfeasible to do so under the conditions present at that time.
2. Our Status
   The Finance Brokerage Limited is authorised and regulated by the Financial Services Authority(FSA). Our FSA number is 466102. Our officially recognized business includes advising on and arranging mortgages and non-investment insurance contracts. You can check this on the FSA's Register by visiting the FSA's website: www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.During busy periods and where particular expert advice is needed, to ensure that your enquiry is dealt with as quickly and competantly as possible we may pass your enquiry to another FSA registered mortgage intermediary who will offer you the same professional competency as we do , they may charge a fee. If they do charge a fee this will be disclosed to you on their first point of contact , they will contact you directly and deal with your enquiry.
3. Are we covered by the Financial Services Compensation Scheme (FSCS)?
   Yes we are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of the business and the conditions of the claim made.
   Investment: most types of investment businesses are covered for the first 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation that one can get is limited to £48,000.
   Insurance: insurance for advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit attached.
   Mortgages: 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.
   Further information about the compensation scheme and its arrangements are available from the FSCS.
4. Records
   We will, if requisite by you or your agents, supply copies of contract notes and copies of entries in books, records and computerised record relating to you. We undertake to maintain such records for a period of at least six years from the date of each and every transaction for you.
5. Personal Interests
   We undertake not to carry out business for you which we or one of our customers or any director/partner/employee has a known concern if we become aware that these concerns conflict with yours, unless that the concern is at first disclosed in writing and your consent obtained.
6. Instructions
   Normally, we ask customers to offer instructions in writing by completing the relevant application form and signing the appropriate declaration. Where you have a right to cancel your purchase, the product providers will give you notice of this in writing. Our authority is to act on your behalf in agreement with these Terms of Business can be terminated at any time by either side in writing, without prior notice and without penalties. This will be effective from the date that the notification is received. However, transactions already initiated remain outstanding, the notification will only be effected once these have been completed.
7. Ownership
   As an agent, we never own the products you buy or carry out though us. Purchases will therefore be registered in the name(s) of the client(s) and we will forward to you, all these documents showing tenure of your purchases, as soon as it is practicable after we receive them. In some cases, product provider will send the documentation directly to you.
8. Review
   Our services are in particular geared to providing a telephone, internet or postal based service. For mortgage and non-investment insurance contracts, we may make a diary note upon completion of your transaction to re-contact you at a future date. The purpose of this would be for us to carry out a follow up review, as it may not be in your interests to remain with the initial product suggested. In addition, from time to time we may become aware of opportunities to make you aware of additional products and services. Where this occurs we may contact you, unless you expressly request otherwise. In addition, should you have any needs in the future regarding any of the services we offer, then we would always be happy to hear from you. During busy periods and where particular expert advice is needed, and to ensure that your enquiry is dealt with as quickly and competently as possible, we may pass your enquiry to other FSA registered mortgage intermediaries, they will l contact you directly and deal with your enquiry. Our service is free to you but to operate this service we receive fees from the lenders or brokers we refer you to . some of these brokers may charge a fee , but if they do they will tell you up front.
9. Data Protection
   Information provided by you may be held, processed, disclosed and used by us, our professional advisers and any associated companies servicing our relationship with you. We hold the personal information provided by you securely and in confidence in our computerised and manual records. By submitting your personal information to us you agree that: information we hold about you can be held on computer and/or paper files; any information which you give us may be disclosed to selected third parties and group companies for the purpose of obtaining a service , marketing and of administration. Please note that we will not arrange to involve a third party, unless the security and discretion of your personal information is assured. We and any group companies, or selected third parties to whom we have passed your information may use the information to contact you by post, fax, e-mail or telephone to bring to your attention additional products or services, which may be of interest to you. However, if you would prefer to be excluded from these services, please write to us at Compliance Officer at The Finance Brokerage Limited , Suite 120 Tudorleaf Business Centre , 2-8 Fontayne Road, Tottenham , London. N15 4QL, phone Telephone: 0800-169-8789
10. What to do if you have a complaint
    If you wish to register a complaint, please contact us: in writing: write to The Finance Brokerage Limited Suite 120 Tudorleaf Business Centre , 2-8 Fontayne Road, Tottenham , London. N15 4QL,or by phone: telephone 0800-169-8786.If you cannot settle your complaint, you may be permitted to refer it to the Financial Ombudsman Service..
11. Client Money
    WE DO NOT HANDLE CUSTOMERS' MONEY.
12. Safeguards
    For your protection, we are licensed by the Office of Fair Trading under the Consumer Credit Act, registered under the Data Protection Act, and authorised and regulated by the Financial Services Authority. The Consumer Credit Act 1974 will only apply to non-regulated mortgages. If the mortgage we arrange for you is a regulated mortgage contract, our advice to you, the information we disclose and any mortgage offer you receive is subject to FSA regulation and you will have the full protection of the Financial Services and Markets Act 2000 in our dealings with you. Please be aware that most business mortgages, buy-to-let mortgages, loans for timeshare purposes and non-regulated investment accounts (i.e. deposit, or current accounts) do not fall under the Financial Services Authority's umbrella of protection.
13. Call recording
    Telephone calls to The Finanace Brokerage Limited may be recorded and used for training, or regulatory purposes.
14. Fees
    The Finance Brokerage Limited does not charge a fee for mortgage, or protection advice, but you should be aware of the likelihood that other taxes or costs relating to the services that we provide for you may exist even though they are not paid through us, or obligatory by us. Third parties we refer your enquiry to have a discretion to charge a fee , however they will inform you on the first point of contact , if they will charge a fee.
15. Law
    English law will be the basis of this contract and the language which this contract will be interpreted, and in which all communications will be conducted, will be English. The Contracts (Rights of Third Parties) Act 1999 shall not apply to this Terms of Business.
16. Internet Privacy Statement
    We use independent companies to measure and analyse how people use our website. They use cookies to gather and collect information such as the number of pages viewed on the site, the number of visitors and common ways of arriving at or leaving the site. Doing this enables us to keep our content and navigation fresh and useful. A cookie is a small file which can be saved onto your computer when you visit a website. We use them to monitor visits to areas of our website. Our site-tracking cookies don't contain name or address information, but they do contain an exclusively generated random number so that we distinguish one visitor from another and the date and time of your last visit to the website. Your web browser lets you turn off both lasting and provisional cookies. However, if you do disable cookies you might not be able to use some of this website

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