Terms & Conditions
Who are we?
SPF Private Clients is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy-to-let and commercial mortgages or taxation advice. Our registered office is City Place House, 55 Basinghall Street, London, EC2V 5DX (Registered in England No 36809707).
We are not a lender or insurer and do not act on behalf of any lender in providing product information. The lender’s terms will apply to any application you make through us.
What do we cost?
There will be a fee for mortgage advice. A fee of up to 1% of the loan amount is payable. For example, if we arrange a loan of £100,000 the fee could be £1,000. The exact fee charged will depend on the amount of work undertaken.
SPF’s Wealth Management team offers a complimentary initial consultation. If you then choose to take financial advice from us, we will always provide you with an estimate of the cost in advance.
We are able to act as mortgage, insurance and wealth management advisers.
If we are providing advice or any information, we aim to ensure that the data provided is accurate and current and we update the site on a regular basis. However, most of the information is provided by third parties, principally lenders, and while we continue to make reasonable efforts to verify it, we cannot guarantee either the accuracy or the timeliness of such information and give no warranty of any kind, express or implied.
As a result we make no representation or warranty about the accuracy, completeness or suitability for any purpose of the information and related graphics published on this site. This site may contain technical and factual inaccuracies, misrepresentations, omissions or typographical errors. Any liability we may have for such content however arising is expressly excluded to the fullest extent permitted by law.
You agree to use this site in accordance with the laws and regulations existing in the UK and acknowledge that this site is designed for use by persons in the United Kingdom only. Accordingly you agree that the information does not constitute a solicitation to you if you are outside the United Kingdom.
Copyright and trade marks
The copyright in this website belongs to SPF Private Clients. You may not make a permanent copy of or reproduce this website in any form. You may not reproduce or incorporate this website into any other website. You may only print, display or download temporary copies of the content to your computer for your own personal non-commercial use. You may not link to this site or frame it without the express consent of SPF Private Clients.
SPF Private Clients and the SPF Private Clients logos are trade marks registered in the name of SPF Private Clients Ltd in the UK and other parts of the world. Reproduction of these trade marks other than in order to view this website is prohibited.
This website contains links to third party websites over which SPF Private Clients has no control. SPF Private Clients assumes no responsibility for the content of third party web sites or for any losses which may arise out of the use of a third party website. The presence of a link to a third party does not necessarily mean that SPF Private Clients endorses that site or has any association with the proprietor of that website.
Whilst reasonable care is taken to ensure that the information contained on this website is accurate, we cannot guarantee it’s accuracy and we reserve the right to change the information on this website (including these terms and conditions) at any time without notice. You must check these Terms and Conditions for changes each time you intend to use this website.
SPF Private Clients provides this website on an “as is” basis and makes no representations or warranties of any kind with respect to this website or the content contained on it (including any text, graphics, advertisements, links or other item) and disclaims all such representations and warranties. In addition, neither we nor any other contributor to this website make any representation or gives any warranty, condition, undertaking or term either express or implied as to the condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the content contained on this website or that such content will be accurate, up to date, uninterrupted or error free.
Nothing on this website shall be regarded or taken as financial advice.
YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR THE USE TO WHICH YOU PUT THIS WEBSITE AND ALL THE RESULTS AND INFORMATION YOU OBTAIN FROM IT AND THAT ALL WARRANTIES, CONDITIONS, UNDERTAKINGS, REPRESENTATIONS AND TERMS WHETHER EXPRESSED OR IMPLIED, STATUTORY OR OTHERWISE ARE HEREBY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.
Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation, we and all contributors to the website hereby disclaim to the fullest extent permitted by law all liability for any loss or damage including any consequential or indirect loss or damage incurred by you, whether arising in tort, contract or otherwise, and arising out of or in relation to or in connection with your access to or use of or inability to use this website.
Interruptions and omissions
Whilst we take every care to ensure that the standard of this website remains high to maintain the continuity of it, the Internet is not always a stable medium, and errors, omissions, interruptions of services and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate this website (or any particular part of it).
We reserve the right to deny users access to the Site or any part of the Site without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use.
We shall not be liable to you for any breach of these terms and conditions of use or any failure to provide or delay in providing our services through the Site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.
Applicable law and jurisdiction
These terms, disclaimers and exclusions shall be governed and construed in accordance with English Law and any disputes arising in relation to these disclaimers and exclusions, or your use of the SPF Private Clients site, shall fall within the exclusive jurisdiction of the English courts.
If any part of our Terms and Conditions is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these conditions will not be affected.
Important information on SPF Private Clients
We are required to verify the identity of individuals or companies in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations. No transaction will be able to complete until such verification has been obtained. We may use electronic identity verification systems similar to those used for credit checks and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
We cannot be held responsible if you are refused a mortgage by a particular lender or only granted one subject to conditions that you find unacceptable. We also cannot be held responsible for any insurance which is declined or has additional exclusions or endorsements applied that you find unacceptable.
As part of the mortgage application process, information provided by you may be passed to credit reference agencies.
Financial Services Compensation Scheme (FSCS)
The Financial Services Compensation Scheme (FSCS) is the UK’s statutory compensation fund for customers of authorised financial services firms who are unable to pay claims against them, usually because they have gone out of business.
You may be able to claim compensation from the FSCS if we can’t meet our obligations. The amount of compensation available will depend on the type of business and the circumstances of the claim. We can provide more specific information on request, but as a guide:
Advising and arranging is covered up to a maximum limit of £50,000.
Eligible claims for most types of investment business are covered up to a maximum limit of £50,000.
In the majority of cases, eligible claims about the advising and arranging of protection products are covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Further information is available from the FSCS at www.fscs.org.uk