Our Relationship

Any advice or recommendation that we offer you will be based on your stated objectives and circumstances, taking into account any restrictions that you wish to place on the type of products you would be willing to consider. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.

Full details of the products we may recommend to you including, for example, the minimum duration of the product, information on the right to cancel or whether no right to cancel arises, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract.

Any products we have arranged for you will not be kept under review but we will advise you upon your request. We may, however, contact you in the future by means of an unsolicited promotion (by telephone or post) should we wish to discuss the relative merits of a particular product or service which we feel may be of interest to you. There is no additional cost to you for using a means of distance communication.

You or we may terminate our relationship at any time without penalty.

Your Protection

Circumstances can arise where we or one of our other customers may have some form of interest in business being transacted for you. If this happens or we become aware that our interests, or those of one of our other customers, conflict with your interests, we will write to you and obtain your consent before we carry out your instructions. At this time we will detail the steps we will take to ensure you receive fair treatment.

In certain cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. Please note that in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), in which case you will have a 14 day cancellation period. Additionally, any contracts arranged with your explicit consent (normally referred to as execution only) do not provide cancellation rights.

If applicable, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you.

All Lenders' Offer Documents will be forwarded to you as soon as practicable after we receive them. If there are a number of documents relating to a series of transactions we will normally hold each document until the series is complete and then forward them all to you at the same time.

Data Protection

Some services are provided to moneyQuest by third parties, such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by moneyQuest may be disclosed on a confidential basis and, in accordance with the Data Protection Act 1998, to any such third parties. You also agree that this information may be transferred electronically, e.g. via email, and you agree that we, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.

Your Consent

I have read the above terms and fully consent to the terms imposed and I authorise the transfer of information, on a confidential basis when warranted between any such third parties. I acknowledge receipt of the Initial Disclosure Document, and that this Terms of Business Letter will come into effect from the date of issue.