Terms and Conditions.
PLEASE READ THIS CAREFULLY BEFORE VIEWING THIS SITE. THIS SETS OUT THE CONDITIONS, WHICH GOVERN YOUR USE OF THIS SITE AND OF ANY MATERIAL THAT MAY BE MADE AVAILABLE THROUGH THIS SITE. ONLY USE THIS SITE IF YOU AGREE TO THE FOLLOWING CONDITIONS.
Introduction
Welcome to Squirrel Financial Management Ltd: SquirrelGroup.co.uk (the "Site"). In these terms and conditions, the expressions "we" and "us" means Squirrel Group which includes Squirrel Financial Management Ltd, Squirrel Client Services Ltd, Squirrel Wealth Management Ltd, and their trading styles.
The Site is owned and operated by Squirrel Financial Management Ltd registered in England and Wales, company number 3961335. Registered at SQ2 House, 240b Lichfield Road, Sutton Coldfield, West Midlands B74 2UD.
The terms and conditions set out below constitute an agreement between you (the user) and us and set out the conditions upon which you may view the Site and access the information, products, material and services available on the Site. We reserve the right to alter the Site and any of the terms, conditions and provisions of the Site (whether contained in the Legal Notice, these Terms and Conditions of Use, the Privacy Policy or elsewhere), at any time. It is the users responsibility to view the terms, conditions and provisions of the Site regularly and thoroughly.
The terms, conditions and provisions of the Site (including, without limitation, the Privacy Policy) shall be governed by and construed in accordance with English Law and the parties submit to the exclusive jurisdiction of the English courts.
Should any part of this Agreement be found to be void, unlawful or unenforceable, it shall be deemed severable from the rest of this Agreement so that it is not effective to the extent that it shall not affect the validity of the remaining terms and conditions of the Agreement, which shall remain valid and enforceable.
Unless otherwise specified the information on the Site is directed solely at those who access the Site from the United Kingdom (of Great Britain and Northern Ireland) and at those who are residents of the United Kingdom (of Great Britain and Northern Ireland).
While we take every care to ensure that the standard of the Site remains high and to maintain the continuity of the Site, the Internet is not a stable medium and errors, omissions, interruptions of service and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate the Site (or any particular part of it) or to provide the services offered on the Site. In addition, we make no representations or warranties about the accuracy, completeness, and freedom from viruses, availability, reliability or suitability for any purpose of the information and related graphics published on the Site (including all texts, advertisements, links or other items), which may contain technical inaccuracies and typographical errors. The Sale of Goods Act(s) and all other legislation from time to time that imply terms into contracts is/are expressly excluded from application to the Site and the services supplied in connection with it to the fullest extent permitted by law.
We and all content providers and contributors to the Site disclaim and exclude to the fullest extent permitted by law all liability for any loss or damage whatsoever whether arising in tort, contract, equity or otherwise and arising out of or in relation to or in connection with your access to or use of or inability to use the Site.
We are not providing any legal, accounting or any other professional advice or opinion on specific facts or matters and (other than in the case of fraudulent misrepresentations and representations expressly made in these terms and in our Privacy Policy) we exclude all representations and offer no warranties. Neither we nor any of our directors, officers, employees or agents will be liable for damages arising out of or in connection with the use of the Site or the information contained in it. This is a comprehensive limitation of liability that applies to all damage of any kind including (without limitation), compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of opportunity, loss of or damage to property and third party claims save that nothing in the terms, conditions and provisions of the Site shall exclude or restrict liability for death or personal injury resulting from our negligence or that of our directors, officers, employees or agents.
On the Site you may be offered various links to other sites, which we hope you will be interested in and enjoy. We do not accept any responsibility for the content of those sites, the owners of which do not necessarily have any association, commercial or otherwise with us.
Nothing contained in the Site shall form a contract or part of a contract other than as expressly provided and other than the terms, conditions and provisions of the Site.
Where appropriate your statutory rights are not affected by these Terms and Conditions of Use.
We expressly do not accept responsibility for the content and information on the linked sites and we do not accept responsibility (without derogation from the above) for the views, sound recordings, video or other graphics expressed on the linked sites. All information, design, text, graphics and the selection or arrangement therefore is copyright owned by or licensed to us or third parties associated in the appearance of the Site. You may copy electronically and print in hard copy portions of the Site solely for the non-business related purpose of using the Site to seek information of the kind shown by the Site. Any other use of materials on the Site (including reproduction for purposes other than those noted above and amendment, updating, distribution or republication) without prior written permission is forbidden.
No permission whatever is given by us in respect of the use of any such trade marks, product names, company names, logos or titles and such use may constitute compromising of these rights.
We shall not be held liable for any breach of conditions of use or any failure to provide or delay in us providing our services through this Site resulting from any occurrence beyond our reasonable control including (without limitation) strikes, lock-outs and other industrial disputes, break- down of systems or network access, fire, explosion or accident failure of any third party telecommunications or service provider.
Please read our Privacy Policy.
Squirrel Group
SQ2 House
240b Lichfield Road
Four Oaks
Sutton Coldfield
West Midlands
B74 2UD
Telephone queries to be made to: 0121 308 1152
Email: info@squirrelgroup.co.uk
Squirrel Financial Management Ltd is registered in England and Wales 3961335.
Squirrel Financial Management Ltd is authorised and regulated by the Financial Services Authority.
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About our servicesSquirrel Financial Management Ltd. |
1.The Financial Services Authority (FSA) |
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The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. |
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2. Whose products do we offer? |
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Insurance |
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We offer products from a range of insurers for Income Protection, Life Insurance & Critical Illness cover. |
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We only offer products from a limited number of insurers for Mortgage Payment Protection Insurance and Residential Buildings & Contents Insurance Ask us for a list of insurers we offer insurance from. |
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We only offer product from a single company. |
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Mortgages |
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We offer mortgages from the whole market. |
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We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from. |
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We only offer product from a single company. |
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3. Which service will we provide you with? |
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Insurance |
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We will advise and make a recommendation for you after we have assessed your needs for Income Protection, Life Insurance & Critical Illness cover, Mortgage Payment Protection Insurance and Residential Buildings & Contents Insurance |
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. |
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Mortgages |
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We will advise and make a recommendation for you after we have assessed your needs. |
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. |
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4. What will you have to pay us for our services? |
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Insurance |
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A fee |
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No fee is normally charged as we will be paid commission by the recommended company, however this commission can be rebated to you if you would rather pay a fee for the advice |
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You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. |
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Mortgages |
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No fee. |
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We charge a standard fee of £495. The actual fee that we charge takes
into account the complexity of an application together with personal
circumstances such as past or present financial difficulties. The maximum
that we charge is 3% of the mortgage amount capped at £4,000. For example on a mortgage of £100,000 the 3%
fee would be £3,000. We will also be paid by commission from the lender. |
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We charge a standard fee of £495. The actual fee that we charge takes into account the complexity of an application together with personal circumstances such as past or present financial difficulties. The maximum that we charge is 3% of the mortgage amount capped at £4,000. For example on a mortgage of £100,000 the 3% fee would be £3,000. We will also be paid by commission from the lender. In all cases any fee will be agreed prior to application and is only payable on completion. |
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You will receive a key facts illustration when considering a mortgage which will tell you about the fees. |
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5. Who regulates us? |
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Squirrel Financial Management is authorised and regulated by the Financial Services Authority. Our FSA Register number is 193430. Our permitted business is; Income Protection, Life Insurance & Critical Illness cover, Mortgage Payment Protection Insurance and Residential Buildings & Contents Insurance Mortgages |
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6. What to do if you have a complaint |
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If you wish to register a complaint, please contact us: |
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... in writing Write to the Compliance Manager at Squirrel Financial Management Ltd, SQ2 House, 240b Lichfield Road, Four Oaks, Sutton Coldfield, West Midlands, B74 2UD |
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... by phone Telephone 0121 308 1152 |
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If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. The Financial Ombudsman Service does not consider complaints about home reversion schemes. |
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7. Are we covered by the Financial Services Compensation Scheme (FSCS)? |
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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 business and the circumstances of the claim. |
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Insurance |
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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. |
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Mortgages |
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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 are not covered by the Financial Services Compensation Scheme. |
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Further information about compensation scheme arrangements is available from the FSCS. |
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Message from the Financial Services AuthorityThink carefully about this information before deciding whether you want to go ahead. If you are at all unsure about which lifetime mortgage or home reversion scheme is right for you, you should ask your adviser to make a recommendation. Please remember that home reversion schemes are not regulated by the FSA. |
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Mortgage Deals Direct is a trading style of Squirrel Financial Management who are Authorised and regulated by the Financial Services Authority. Registered as a Limited Company in England and Wales no. 3961335 Registered Office same as Head Office.