Although legal terms, conditions disclaimers may be sometimes difficult to understand using statements that may seem complicated, it is important that you do understand them. They are designed to ensure that there is a clear service standard set out for you and to protect the correct rights of all parties involved.

If you are unsure about any statement, Edwards & Associates will be happy to discuss any issues that you are unsure about. Alternatively you should seek advice from third parties.

“You”, “your” and “yours” are references to the person using the website “We”, “us” and “our” are references to "Edwards & Associates". "Strategic Partners" and "Associates" are references to other websites providing insurance, loans or other services.

Content within the site.
From this Site we provide information or a portal and hyperlinks to other websites or pages provided by other parties. (our strategic partners) Your use of other parties' sites may be subject to their own terms and conditions.

The products and services contained in this website are available only to UK residents over 18 years of age.

The content in this website is for information purposes only and Edwards & Associates and our strategic partners do not accept any responsibility or liability as to the accuracy of the content within the site made available to you and any liability due to the sites inaccuracy with be disclaimed within guidelines permitted by law.

Please read the terms and conditions details carefully before you use the Edwards & Associates website. By using the website you are agreeing to be bound by our terms, conditions and disclaimers.

FSA

Not all products mentioned on this site are regulated by the FSA (Financial Services Authority)

Main Terms and Conditions
These Terms cover your use of this Site. All our products and services have their own terms and conditions (the 'Product Terms').

You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms, then the Product Terms will prevail.

Your use of other parties' sites may be subject to their own terms and conditions.

Please read them.

Please ensure that you read carefully all applicable terms, conditions and disclaimers together with the Important Notes relevant to your use of the products, services or information that may be offered to you from time to time.

CHANGES TO OUR TERMS
Edwards & Associates may change the information and content supplied by this site from time to time. These changes will be made to comply with any changes in law governing the internet, or law governing the products and services detailed in the sites content.

These changes will be made without notice at any time by updating this posting.

You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

Again Edwards & Associates note that the changes to the site will be for the benefit of all parties involved improving our service standards.

AVAILABILITY OF SITE, PRODUCTS AND SERVICES
The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

NO OFFER
Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments.

Should you seek to rely in any way whatsoever upon any information contained on this Site, you do so at your own risk

Before you make any decision or take any action that might affect your personal finances or business, you should always consult a suitably qualified professional adviser.

USERS
This Site is intended solely for those who access it from within the United Kingdom.

Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places.

People accessing this Site from outside the United Kingdom must inform themselves about and observe any relevant rules, regulations and restrictions.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site.

You should read them carefully. These apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the “Act”), or the rules of the Financial Services Authority (the “FSA”) for the conduct of business.

NO WARRANTIES
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied.

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.

We do not represent that:
• any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
• this Site will be available,
• access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of transmitted information,
• no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.

We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.

EXCLUSION OF OUR LIABILITY
To the extent permitted by law, we shall not be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:
• your use of this Site,
• your reliance on or your inability to use the information, products or services on this Site, or
• any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.
The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.
All of the above exclusions apply even if you have advised us of the possibility of the above types of damage, loss or liability.

THIRD PARTY SITES
Links to Third Party Sites - where we provide a portal or hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or linking to this Site. Sites that link to us without our permission! We have not verified the content of any such websites. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.

Downloads from Third Party Sites - links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we make no implied licence or warranty in relation to the obtaining of or use of such software whatsoever. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

We are not responsible for the set up of any link from a third party website to our Site.

INTERNET AND E-MAIL COMMUNICATIONS
Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.
We are not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail).

You should not include any sensitive or confidential information in such messages.

OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.

INTELLECTUAL PROPERTY RIGHTS
Our Rights - all intellectual property rights (including without limitation, copyright, database rights, design rights, patents and trademarks) in the pages, screens, information and materials included in this Site are owned by or licensed to us unless otherwise stated.

Copying by you - you may print, copy, download or temporarily store extracts from this Site for your personal information or use or to help you use our products and services. You must not alter anything contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without prior written permission.

DOCUMENT RETENTION
It is our policy to retain documents for business effected on your behalf in electronic or paper format for a minimum of 6 years. Thereafter, we may destroy documents without further reference to you.

It is possible for claims to be made long after a policy has expired for certain types of insurance. It is therefore important that you keep your policy documentation safely, and in accordance with statutory requirements.

Loans

Secured loans are secured on your property.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

MISSING PAYMENTS WILL HAVE SEVERE CONSEQUENCES AND MAY MAKE OBTAINING CREDIT MORE DIFFICULT IN THE FUTURE.

FEES and charges

Normally we will not charge any upfront fees or costs for our services. However on some problem cases we reserve the right to charge of fee of up to 10% of the agreed loan amount on completion.

It should be noted that if this does become the case you will be notified up front before any chargeable work has been undertaken giving you the opportunity to withdraw.

Supplying your details on the Edwards & Associates website.

The website is designed for you to access without providing your details. The parts of the website where you will provide Edwards & Associates with your personal details will be highlighted clearly. Any personal details that you provide to Edwards & Associates will be kept offline to secure your privacy. Appropriate structures have been put in place to ensure that this offline information is stored securely to avoid unauthorised access or disclosure.

The information that may be collected from you is used solely for the purpose of meeting your service requirements.

Third parties will not be marketing companies but businesses that have relationships with Edwards & Associates who will be attempting to supply you with your required service or product.

Credit searches
Credit searches will be made about you with various credit agencies. The searches will provide information about your current and previous credit. It will also provide electoral role details. Details of the search will be recorded with the credit agencies regardless of whether your application proceeds or not.

Credit scoring may be used in some circumstances, but not all to evaluate your application. This information will be recorded with the agencies and other companies requesting information from these agencies may be able to use this information in their credit decision making. The information may be used for debt tracing, account managing and also the prevention of money laundering

Joint applications
If you make a joint application for credit or state a financial association with another party you will also be declaring that you have authority from the other party to disclose information about them also, giving permission for us to search and record information about them with credit agencies.

Terms and conditions