Terms of business. Speak to a expert mortgage adviser today.
This document sets out the terms of business between Intrinsic Financial Services and its clients.
For information regarding our data protection please see our privacy policy.
We do this for YOU!
- Source the whole uk mortgage market for you
- Find and book your best buy mortgage deal
- Help you through the application processes
- Get quotes for your conveyancing (HIPs)
- Quote your mortgage protection life insurance
- Liaise and guide you through to completion!
- Contact us TODAY!
About our Mortgage Data
The mortgage data provided shows products available based on the criteria you have entered or selected. It does not contain all of the details you need to choose a mortgage and should not be considered advice or recommendation. Although great care is taken in producing this information, Source The Market Ltd and eLink Technologies Ltd (the data providers) do not accept liability or responsibility for errors or omissions. Please ask for a personal illustration before making a decision.
Investment Advice and Recommendations
Any investment advice your adviser provides will be based on your personal financial objectives. We will confirm these objectives, and the reasons for each recommendation in a "Reason for Recommendation" letter. If you have asked for any restrictions on the types of investment or the markets you wish to invest in, these will be confirmed in the Reason for Recommendation letter.
Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out an insurance policy. It is important that all statements made on the proposal form, or on any additional documentation are full and accurate. Please be aware that if you fail to disclose any relevant information, or any change of circumstances to your insurer then any claim may not be paid. We strongly recommend that the information you provide is checked thoroughly prior to submission.
Acting in your Best Interests
If any material interest or conflict of interest should arise in business that we are arranging for you, we will let you know and ask for your consent before we carry out your instructions.
Your Rights and Client Classification
The FSA has rules which affect the rights you have as a customer. We classify all our individual customers as 'private' customers. As a private customer you have rights under the Financial Ombudsman Service and the Financial Services Compensation Scheme (FSCS). These are set out in the Initial Disclosure Document – “What to do if you have a complaint” and “Are we covered by the Financial Services Compensation Scheme” sections. We have internal complaint handling procedures available – ask us if you would like a copy. There are other classifications of customer that don't have these rights. These are “Intermediate” customers - such as listed companies, local authorities and larger partnerships or trusts. Also market counterparties (e.g. national governments and other state bodies, banks or regulated financial services firms). If you'd like to know whether you would be classified as an intermediate customer or a market counterparty, please write to Intrinsic Financial Services Ltd Compliance Department, Wakefield House, Aspect Park, Pipers Way, Swindon, SN3 1SA or to the Financial Ombudsman Service and FSCS. These Terms of Business will apply from 19/01/2006 and will remain valid until further notice. We reserve the right to change them or anything in them at any time. Either we or you can end them at any time, without penalty and this will not affect any outstanding transactions being carried out on your behalf.
Data Protection Act 1998
The personal information you provide will assist your financial adviser in offering you the best advice as required by the Financial Services and Markets Act 2000. The personal data you provide will be used and stored in accordance with the Data Protection Act 1998. You have a right to access all the personal information that Intrinsic Financial Services holds about yourself. To receive this we must receive a written request including a £10.00 fee made payable to Intrinsic Financial Services.
Client Money
We do not handle Client Money. We never handle cash and will not accept a cheque made out to us (unless it is a cheque in settlement of monies owed to us).
Governing Law
This agreement shall be governed and construed in accordance with the laws of England and Wales. In relation to any dispute, the client irrevocably agrees to submit to the non-exclusive jurisdiction of the English courts.
