Terms & conditions
1.1 The Site is operated by Manor Financial Advice Ltd, whose registered office is at Sovereign House, Suite A3, Stockport Rd, Cheadle, SK8 2EA. The company is incorporated in England and Wales (no. 07728991)
1.2 The Company may revise this legal notice at any time by updating this posting.
2.1 Manor Financial Advice Ltd is authorised and regulated by the Financial Conduct Authority under registration number 810808. The company is incorporated in England and Wales (no. 07728991)
2.2 Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Information can be obtained by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.
2.3 Information about the product you choose, such as the minimum term, the existence or absence of a right to cancel, and any early termination rights and penalties, will be provided in the relevant product disclosure information. This will be supplied to you before you conclude any contract.
2.4 This website is designed to provide you with relevant information to help choose an insurance product that suits your needs. We do not provide any advice whatsoever; we only provide you with factual information. You should always check the suitability of the product or service that is of interest to you and it is your own decision whether to obtain or decline from taking any product or service.
By submitting your details, you are making a request to obtain the relevant product or service from a third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted.
You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.
2.5 As we cannot be held responsible for advice we have not given, you should be aware that your right to redress if the policy you choose turns out to be unsuitable for any reason will be limited.
2.6 You will not be charged for the use of this website.
2.7 You agree that you may communicate with us, and we may communicate with you, via telephone (mobile or otherwise including SMS), post, or email. For these purposes, our contact details are as follows.
By Writing: Sovereign House, Suite A3, Stockport Rd, Cheadle, SK8 2EA
By Telephone: 0800 368 9671
2.8 We maintain Professional Indemnity Insurance with regard to any advice provided to you by the Company in respect of any of the products intermediated by the Company.
2.9 We do not hold any client money.
2.10 Nothing in these terms or conditions excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
- COMPLAINTS PROCEDURE
3.1 We pride ourselves on always providing you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Services Team at the address above, by telephone on 0800 368 9671 or by email at email@example.com
3.2 Upon receipt of your complaint a complaint handler will contact you so we can resolve your complaint as soon as possible. When we provide a final response we will inform you of your right to refer the complaint to the Financial Ombudsman Service and you must do so within six months if not satisfied.
While we would always aim to complete an investigation within eight weeks, if, for any reason, our investigation is not concluded within this period, we will write to you again. We will inform you of the reasons for the further delay and advise that if you are not satisfied with our progress then you may refer the complaint to the Financial Ombudsman Service.
3.3 If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR; Telephone: 0800 023 4567 or 0300 123 9123; Email: firstname.lastname@example.org; Website www.financial-ombudsman.org.uk.
4.1 The entire content of this website is protected by copyright or other intellectual property rights and the information contained on it is for your personal use only. You aren’t allowed to download, transmit or modify any part of the website without our prior permission; nor must you create any links to our website without our prior written permission.
4.2 Accuracy of Information – We aim to ensure that the information provided on our website is up to date and accurate. However, we cannot guarantee this and neither can we guarantee that it is suitable for your purpose. You are responsible for checking the information and ensuring that it meets your requirements.
4.3 We may (as previously stated) make changes to the content of our website at any time.
5.1 We aim to make our website accessible to you at all times, but from time to time we may suspend access to our website without notice at any time for any reason, e.g. website maintenance or a content update.
- LINKS TO AND FROM OTHER WEBSITES
6.1 Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. If you decide to access any of the third-party websites linked to the Website, you do so entirely at your own risk.
7.1 The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice.
7.2 We do our best to ensure that all the information on this site is accurate. The information is provided to us by third parties and we review the information frequently.
8.1 We do not accept any liability for any losses or damages which may be suffered by you whether the same are suffered directly or indirectly, or are immediate, or consequential in connection with our website in any way or in connection with the use or inability to use our website including but not limited to loss or damage due to viruses, logic bombs, Trojan horses, worms or any other malicious code.
- GOVERNING LAW AND JURISDICTION
9.1 This legal notice shall be governed by English law. The courts of England and Wales shall have non-exclusive jurisdiction to determine any disputes arising in connection with these terms and conditions and/or your use of our website.