1. Information About Us
1.1 This website, www.independentmortgageservices.co.uk, is operated by John McKee, a mortgage and protection adviser with Nexus IFA Limited.
1.2 Nexus IFA Limited is an appointed representatives of The Whitechurch Network Ltd which is Authorised and Regulated by The Financial Conduct Authority.
1.3 The Financial Conduct Authority does not regulate all the activities undertaken by John McKee or Nexus IFA Ltd mentioned on this website. The Financial Conduct Authority does not regulate taxation advice, estate planning or trust advice. The majority of the services mentioned on this website are subject to the UK regulatory regime and are therefore usually restricted to consumers based in the UK.
1.4 This website is approved by The Whitechurch Network Ltd. All contents of the website are deemed to be correct as at the last site update. We have made great efforts to ensure the accuracy of the information provided and do not accept any responsibility for errors or omissions. The material contained on this website is a guide only, it is not intended as advice or a recommendation to buy, sell or hold any securities and does not constitute an offer to sell or the solicitation of an offer to buy any securities. The information on this website should not be viewed as offering you financial advice.
2. Access to the website
2.1 Access to this website is free of charge.
2.2 It is your responsibility to make any and all arrangements necessary in order to access the website.
2.3 Access to the website is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue the website (or any part of it) at any time and without notice. We will not be liable to you in any way if the website (or any part of it) is unavailable at any time and for any period.
3. Links to the website
3.1 You may link to the website provided that:
3.1.1 You do so in a fair and legal manner;
3.1.2 You do not do so in a manner that suggests any form of association, endorsement or approval on our part where none exists;
3.1.3 You do not use any logos or trade marks displayed on the website without our express written permission; and
3.1.4 You do not do so in a way that is calculated to damage our reputation or to take unfair advantage of it.
3.2 You may not link to the website from any other site the main content of which contains material that:
3.2.1 is sexually explicit;
3.2.2 is obscene, deliberately offensive, hateful or otherwise inflammatory;
3.2.3 promotes violence;
3.2.4 promotes or assists in any form of unlawful activity;
3.2.5 discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
3.2.6 is intended or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
3.2.7 is calculated or is otherwise likely to deceive another person;
3.2.8 is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy;
3.2.9 misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive (obvious parodies are not included in this definition provided that they do not fall within any of the other provisions of this sub-Clause 3.2);
3.2.10 implies any form of affiliation with Nexus IFA Ltd where none exists;
3.2.11 infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trade marks and database rights) of any other party; or
3.2.12 is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
4. Links to other websites
Links to other sites may be included on this website. Unless expressly stated, these sites are not under our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on the website is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
5.1 Nothing on this website constitutes advice on which you should rely. It is provided for general information purposes only. Professional financial advice should always be sought before taking any action relating to your personal finances.
5.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that the website will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
5.3 We make reasonable efforts to ensure that the content on the website is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the content is complete, accurate, or up-to-date.
6. Our Liability
6.1 To the fullest extent permissible by law, we accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) this website or the use of or reliance upon any content included on this website
6.2 To the fullest extent permissible by law, we exclude all representations, warranties, and guarantees (whether express or implied) that may apply to the website or any content included on the website.
6.3 If you are a business user, we accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
6.4 We exercise all reasonable skill and care to ensure that this website is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of this website (including the downloading of any content from it) or any other site referred to on this website.
6.5 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of this website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
6.6 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law. For full details of consumers’ legal rights, including those relating to digital content, please contact your local Citizens’ Advice Bureau or Trading Standards Office.
7. Viruses, Malware and Security
7.1 We exercise all reasonable skill and care to ensure that this website is secure and free from viruses and other malware.
7.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.
7.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via this website.
7.4 You must not attempt to gain unauthorised access to any part of this website, the server on which this website is stored, or any other server, computer, or database connected to the website.
7.5 You must not attack this website by means of a denial of service attack, a distributed denial of service attack, or by any other means.
7.6 By breaching the provisions of sub-Clauses 7.3 to 7.5 you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and we will cooperate fully with those authorities by disclosing your identity to them. Your right to use this website will cease immediately in the event of such a breach.
8. Acceptable Usage Policy
8.1 You may only use this website in a manner that is lawful. Specifically:
8.1.1 you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
8.1.2 you must not use this website in any way, or for any purpose, that is unlawful or fraudulent;
8.1.3 you must not use this website to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
8.1.4 you must not use this website in any way, or for any purpose, that is intended to harm any person or persons in any way.
8.2 We reserve the right to suspend or terminate your access to this website if you materially breach the provisions of this Clause 8 or any of the other provisions of these Terms and Conditions. Specifically, We may take one or more of the following actions:
8.2.1 suspend, whether temporarily or permanently, your right to access this website;
8.2.2 issue you with a written warning;
8.2.3 take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach; 8.2.4 take further legal action against you as appropriate;
8.2.5 disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
8.2.6 any other actions which we deem reasonably appropriate (and lawful).
8.3 We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that we may take in response to breaches of these Terms and Conditions.
9. Privacy and Cookies
10. Changes to these Terms and Conditions
10.1 We may alter these Terms and Conditions at any time. Any such changes will become binding on you upon your first use of this website after the changes have been implemented. You are therefore advised to check this page from time to time.
10.2 In the event of any conflict between the current version of these Terms and Conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
11. Contacting Us
To contact us, please use any of the methods provided on our contact page.
12. Communications from Us
12.1 If we have your contact details, we may from time to time send you important notices by email. Such notices may relate to matters including, but not limited to, service changes and changes to these Terms and Conditions.
12.2 We will never send you marketing emails of any kind without your express consent. If you do give such consent, you may opt out at any time. Any and all marketing emails sent by us include an unsubscribe link. If you opt out of receiving marketing emails from us at any time, it may take up to 21 business days for us to comply with your request. During that time, you may continue to receive marketing emails from us.
12.3 For questions or complaints about communications from us (including, but not limited to marketing emails), please contact us at firstname.lastname@example.org or via the methods provided on our contact page.
13. Data Protection
13.1 All personal information that we may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the GDPR.
14. Law and Jurisdiction
14.1 These Terms and Conditions, and the relationship between you and us (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales.
14.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Sub-Clause 14.1 above takes away or reduces your rights as a consumer to rely on those provisions.
14.3 If you are a consumer, any dispute, controversy, proceedings or claim between you and us relating to these Terms and Conditions, or the relationship between you and us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.
14.4 If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England & Wales.
14.5 All trademarks & logos contained on this website remain the property of their respective owners. The presence of any such trademark or logo does not in any way imply that the owner endorses this website or any products, services or communications mentioned herein.
We strongly recommend that you take appropriate professional independent financial advice before making any decision relating to your personal finances or entering into any financial obligations or transactions.
Do not make a financial decision based upon the information contained on this website alone. It is not detailed or comprehensive enough to enable you to make a correctly informed decision.
A mortgage is a loan secured against your home or property. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
The value of investments can go down as well as up and you may not get back the full amount you invested. Past performance is not an indication of future performance. Investment returns cannot be guaranteed and you may not get back the full amount invested. It is therefore important that you understand the risks and commitments.
Taxation: Levels and bases of, and relief from, taxation are current levels and are subject to change. The value depends on the circumstances of the investor. The FCA does not regulate taxation advice, tax planning, estate planning or trust advice.
If you are unsure as to the suitability of any financial products or services mentioned on this website please contact John McKee or call him on 01733 239229 to discuss your personal circumstances. The information on this website does NOT provide financial advice based on your personal circumstances.