Terms of Use

1. Introduction and Acceptance

Welcome to Radcliffe's Financial Services ("we", "us", "our", "the Company"). These Terms of Use ("Terms") govern your access to and use of our website, services, and any related content or materials provided by us.

By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Our Services

2.1 Regulated Services

We are authorised and regulated by the Financial Conduct Authority (FCA) to provide:

• Mortgage advice and arrangement
• Insurance mediation
• Investment advice (where applicable)
• Consumer credit activities

2.2 Professional Services

We also provide professional services including:

• Accounting and bookkeeping
• Tax planning and compliance
• Business advisory services
• Corporate finance assistance
• Financial planning and consultation

2.3 Service Limitations

Our services are subject to:

• Regulatory permissions and restrictions
• Professional competence and capacity
• Applicable laws and regulations
• Terms of specific service agreements

3. Client Obligations

3.1 Information Accuracy

You agree to:

• Provide accurate, complete, and current information
• Update us promptly of any changes to your circumstances
• Respond to our requests for information in a timely manner
• Notify us of any errors or discrepancies you identify

3.2 Documentation

You must:

• Provide all necessary documentation when requested
• Ensure documents are genuine and unaltered
• Maintain copies of important documents
• Comply with document retention requirements

3.3 Compliance

You agree to:

• Comply with all applicable laws and regulations
• Cooperate with regulatory and compliance requirements
• Not use our services for illegal purposes
• Respect intellectual property rights

4. Professional Standards and Conduct

4.1 Regulatory Framework

Our services are governed by:

• FCA Principles: Treating customers fairly and with integrity
• ACCA Code of Ethics: Professional competence and due care
• CIOT Standards: Tax advisory professional standards
• Common Law: Fiduciary duties and care

4.2 Professional Indemnity

We maintain professional indemnity insurance covering:

• Minimum coverage of £1,000,000 per claim
• Aggregate annual coverage of £2,000,000
• Coverage for all regulated and professional activities
• Run-off coverage as required by regulation

4.3 Conflicts of Interest

We will:

• Identify and manage conflicts of interest
• Disclose material conflicts to affected clients
• Maintain appropriate Chinese walls where necessary
• Decline engagements where conflicts cannot be managed

5. Fees and Payment Terms

5.1 Fee Structure

Our fees are determined by:

• Complexity and scope of services required
• Time and resources allocated to your matter
• Regulatory and compliance requirements
• Market rates for similar services

5.2 Payment Terms

5.3 Late Payment

Late payment may result in:

• Interest charges at 8% above Bank of England base rate
• Suspension of services until payment is made
• Referral to debt collection agencies
• Termination of service agreement

6. Limitation of Liability

6.1 Professional Services

Our liability for professional services is limited to:

• The amount of professional indemnity insurance coverage
• Direct losses reasonably foreseeable at the time of engagement
• Losses directly caused by our negligence or breach of duty
• Claims made within the applicable limitation periods

6.2 Excluded Losses

We are not liable for:

• Indirect, consequential, or special damages
• Loss of profits, revenue, or business opportunities
• Losses arising from third-party actions or omissions
• Losses due to changes in law or regulation
• Technology failures beyond our reasonable control

6.3 Third-Party Products

For financial products arranged through us:

• Product providers are responsible for product performance
• We are not liable for product defects or failures
• Complaints should be directed to the product provider first
• Compensation schemes may provide additional protection

7. Intellectual Property

7.1 Our Intellectual Property

All content on our website and in our materials is protected by:

• Copyright, trademark, and design rights
• Database rights and confidential information
• Trade secrets and know-how
• Proprietary methodologies and systems

7.2 Permitted Use

You may:

• View and download content for personal use
• Print single copies for your records
• Share our content with appropriate attribution
• Use our content in accordance with fair dealing provisions

7.3 Prohibited Use

You may not:

• Reproduce, distribute, or commercially exploit our content
• Modify, adapt, or create derivative works
• Remove copyright notices or proprietary markings
• Use our content to compete with our business

8. Website Terms and Conditions

8.1 Acceptable Use

When using our website, you must not:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or inappropriate content
• Interfere with website security or functionality
• Attempt to gain unauthorized access to our systems
• Use automated tools to access or scrape our website

8.2 Website Availability

We endeavor to maintain website availability but:

• Cannot guarantee uninterrupted access
• May suspend access for maintenance or updates
• Are not liable for temporary unavailability
• Reserve the right to modify or discontinue services

8.3 User Content

If you submit content to our website:

• You grant us a license to use and display the content
• You warrant that you have the right to submit the content
• You agree the content will not infringe third-party rights
• We may remove content at our discretion

9. Regulatory Protections

9.1 Financial Services Compensation Scheme (FSCS)

Eligible clients may be entitled to compensation under the FSCS:

• Up to £85,000 for deposits and investments
• Up to £50,000 for insurance claims
• Up to £85,000 for mortgage advice claims
• Subject to FSCS eligibility criteria and limits

9.2 Financial Ombudsman Service

Eligible clients can refer complaints to the Financial Ombudsman Service:

• Free service for eligible complainants
• Independent review of complaints
• Power to award compensation up to £355,000
• Must follow our internal complaints procedure first

9.3 Professional Body Protections

Additional protections may be available through:

• ACCA complaints and disciplinary procedures
• CIOT professional standards and ethics
• Professional indemnity insurance coverage
• Regulatory compensation schemes

10. Termination

10.1 Termination by You

You may terminate our services by:

• Giving reasonable written notice
• Paying all outstanding fees and costs
• Providing any required documentation
• Complying with handover procedures

10.2 Termination by Us

We may terminate services if:

• You breach these Terms materially
• Fees remain unpaid after reasonable notice
• We are required to do so by law or regulation
• Circumstances make it inappropriate to continue

10.3 Effect of Termination

Upon termination:

• You must pay all outstanding fees immediately
• We will return your documents within 28 days
• Confidentiality obligations continue indefinitely
• Certain provisions of these Terms survive termination

11. General Provisions

11.1 Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts.

11.2 Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between us.

11.3 Amendments

We may update these Terms from time to time. Material changes will be notified to you in advance.

11.4 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

11.5 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision.