By using this Website, you, and any other person whose name who you enter into any data capture form on this web site, agree to be bound by these terms and conditions.

a) The Web site
The ‘website' you are currently visiting is a trading style of Internet Marketing and Management Services Ltd (Registered in England & Wales no. 05208506) whose registered address is 7 Fidlas Road Llanishen Cardiff CF14 0LW.

The service provided by Internet Marketing and Management Services  Ltd through this web site is a “Mortgage Introductory Service” and internet information provision service.

b) About Internet Marketing and Management Services Limited

Internet Marketing and Management Services Ltd actively runs and manages a portfolio of mortgage related websites. Each web site will display its own trading style but the name of the operator of the web site will be displayed.

c) Please note that we do not provide a regulated financial service.
i) We may introduce you to a mortgage business, so that they can use their independent discretion as to which mortgage arrangement they may discuss with you. Any dealing you have with that mortgage business will be between you and the mortgage business.   
ii) We may display financial promotions about other services. Where appropriate these will be approved.
iii) We may simply act as a medium through which a firm supplying a service or product may communicate details of their service to you.
iv) We may include banners and links which connect to other web sites operated by third parties.
v) We may display generic information. Such information is not to be taken as ‘financial advice’.   Every person is unique and has unique needs. If you need any advice of any type then you should seek such advice from a qualified or regulated person.
 

c) Our service
Internet Marketing and Management Services Ltd introduce clients (through their portfolio of web sites) to firms who we believe are Authorised by the FSA (where appropriate), or are exempt because they are an appointed representative of an authorised firm, Those introductions may be direct or via a third party. The firm we introduce you to will either be on our panel of firms we use or on the panel used by the third party.

We may receive an introductory fee or commission from the firms we introduce you to or from firms that advertise on our web site or who have links with our web site.

We make no charge for your use of this web site but expect in return that you will comply with these terms and conditions.  

We only provide an introduction service and you will not receive advice or a recommendation from us. We will provide information about the firm that we introduce you to, however that information will have been provided to us by the firm and we can not and do not guarantee its accuracy. If you want us to provide you with additional information about the firms currently on our panel then please e-mail us at info@hellofinance.co.uk .

Under the FSA rules each regulated firm is required to provide you with details of their service so that you can decide whether their services are right for you. These documents are call initial disclosure documents (IDD) and should be provided to you before you are asked to come to any commitment.

You are under no obligation to proceed with your allocated adviser.

Whilst we make an effort to check that all the firms we introduce clients to are reputable firms registered with the FSA, or are otherwise exempt from such registration, we are reliant on others for the information we obtain and therefore we cannot guarantee or warrant the accuracy of these details and we take no responsibility for the suitability that the firms we introduce you to will meet your service needs.

We provide no advice or recommendation over the firms we introduce you to and we are not acting on your behalf when making such an introduction.
 
Provided the lead introduction form has been fully completed we will pass the information on to a firm that we believe is on the FSA register, where that is required, without delay. We or the third party will send you an e-mail acknowledgement that your form has been sent off and we or the third party will advise you the name and some details about the adviser firm who will then make direct contact with you.

Should you access a financial advisor or  mortgage intermediary via this web-site we do not warrant, take responsibility for, guarantee, endorse or recommend or make any representations whether express or implied over any advice, communication, service, action, product, statement or contract provided by the firm we introduce you to.
 
d) Web site content
The content of this web site should be viewed and taken as general information on the type of service you may wish to consider and is a general description of the levels of service that may be available from some of the individual firms on our panel.
 
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 mortgage or type of mortgage. Internet Marketing and Management Services Ltd do not provide advice on which product is most suitable for you.
Where third party material appears on our site we make no warranties and take no responsibility for the accuracy completeness fitness for purpose or the content of such third party material (whether or not such material is identified as third party material or not).

Your access to this site and the information therein is conditional upon your acceptance of these terms and conditions.

e) 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.
IV)       Whilst we take effort to keep our web site clean we cannot and will not guarantee that this web-site is free from computer viruses or anything else that has destructive properties.

f) 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.

g) 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 g does not affect your Statutory Rights as a consumer.

h) 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 introduction process. You must tell us if any of your address details change during the introduction 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.

i) 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) 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.

vi)    Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud.
vii)   With the exception of clause I.VI) above and subject to the terms of this agreement and limitation on liability spelt out in clauses I i) to V) above :-

(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, v and vi do not affect your Statutory Rights as a consumer.

j) 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 23 April, 2010.

K) Choice Of Law And Jurisdiction

i) Access to and use of this web-site is conditional upon your agreement to  these terms and conditions and that these terms and conditions are governed by and construed in accordance with English law.

ii)     Both parties agree that any disputes over the terms and conditions or over use of this web site shall be subject to the exclusive jurisdiction of the English courts to which each party submits  

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.

l) 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.

m) 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.

You warrant that you have the authority and right to submit such data including any data provided on behalf of another. You warrant that where that information involves another party that you have obtained sufficient warranty and agreement from them that their information can be used by us as per these terms and conditions.

By summiting the enquiry form or by sending us an e-mail you agree to our use of the information you have submitted.  You warrant and agree that we may use that information for;

• the provision of the introduction service,
• transmission to firms that appear on our panel or on a panel used by the third party,
• transmission of your information through a third party firm(s) for onward transmission to an adviser.
• providing details and information to our professional advisers, suppliers, financial service providers and employees,
• providing details and information to associated companies who may be able to provide information to you about services or products that may be of interest to you,
• provision world wide for the uses you have authorised in this agreement,
• providing to the firms on our panel and you also provide us licence to authorise them to use the information for the provision of their service to you.
•  Advising you about other services and products that may be of interest to you,

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 Office of Fair Trading, or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.

n) 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@hellofinance.co.uk. Any complaints received will be dealt with in accordance with our complaints procedure.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service if the complaint is relative to a standard consumer credit licence.

iii)   We will take your complaint / suggestion very seriously, and respond rapidly with a view to resolving any issues / challenges you advise us of.  

o) 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.

p) 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. The terms that are displayed at the time and ate you visit this web site are the terms and conditions that apply to that visit.

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.