Roberts Clark Independent Financial Solutions Limited is an Independent Intermediary and is authorised and regulated by the Financial Conduct Authority to give such advice and is bound by their rules. Our Financial Conduct Authority firm reference number is 192598. Certain products are not regulated by the Financial Conduct Authority. Where this is the case we will tell you.
Our permitted business includes advising on, making arrangements in and arranging (bringing about) savings, investments, non-investment insurance contracts, regulated mortgage contracts (including lifetime mortgages and home reversion plans known as equity release) and pensions, including the specialist activities of pension transfers and pension opt outs. You can check this and all of our permitted business on the Financial Conduct Authority Register by visiting https://register.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768. Their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS.
Roberts Clark IFS Limited is a limited company registered in England. Our registered number is 3981121 and registered office address is 1 Stret Constantine, Newquay, Cornwall, TR7 1GH. Our VAT number is GB 748 2866 87.
FinancialAdvice.net and Associated Sites
FinancialAdvice.net and associated sites (“the sites”) are trading styles of Roberts Clark IFS Limited (“we” and “us”).
Access and use of the sites is subject to the following membership and purchases terms and the other associated documents detailed on this page.
By accessing the sites you signify your acceptance of these membership and purchases terms and the other associated documents. You must not use the sites if you do not accept the membership and purchases terms and other associated documents.
If you do use the sites, your conduct indicates that you agree to be bound by the membership and purchases terms and associated documents.
We recommend you save or print a copy of these membership and purchases terms and other associated documents for your records.
The associated documents that form part of these membership and purchases terms are:
These membership and purchases terms replace all previous membership and purchases terms for the sites.
We may change or withdraw any part of the sites (including these membership and purchases terms) at any time, with or without prior notice. You should check the date the membership and purchases terms were last updated regularly.
Using FinancialAdvice.net and Associated Sites
Certain parts of the sites do not require you to subscribe and become a member. Where the access you require is not free of charge, you will be given an opportunity to pay the current membership fee and become a member.
If you wish to purchase documents, guides and/or information from the sites or obtain independent financial advice, you do not need to pay and become a member, although there are associated benefits for members.
Your membership with us will be renewable at 1-year intervals from the date the membership was purchased. Membership payments can be made annually in advance or monthly by standing order. Membership payments are non-refundable and non-transferable. We will send an email to your membership email address before renewal is due and you will be able to renew, cancel or terminate your membership at that point, if you choose to.
Each membership is for a single user only. When you become a member you will choose a user name and password.
We reserve the right to vary the membership services available at any time and we do not guarantee that a membership service will remain for members or that a free of charge service will remain free of charge.
You agree to pay the membership fee at the rate that applies at the time of your membership. We charge in Great British Pounds Sterling but may also show guide prices in United States Dollars and Euros. You should use them as a guide only and we do not warrant their accuracy.
You can pay your membership by either standing order, bank transfer, cheque, debit card, credit card or via PayPal. In using these methods of payment you warrant that you are entitled to do so. There is an additional charge of 2.95% of the payment if you choose to pay by debit card, credit card or via PayPal. If we do not receive payment authorisation or if the payment is not valid, cannot be processed or if any authorisation is subsequently cancelled or any check of your card fails, we may terminate or suspend your access to our membership services.
We will endeavour to process your membership promptly but cannot guarantee a specific time.
You are responsible for all use of the services and purchases made using your username and password, whether or not the use is made by you or someone else using your username and password. You are responsible for protecting and securing your username and password from unauthorised use. If you believe there has been a breach of security of your username you should contact us immediately.
It is in your interests to inform us if your email address or payment details change. If we are unable to renew your subscription, we regret that it will be necessary to suspend your access to the membership sections of the sites until you provide us with valid payment details.
Our Obligations Under the Consumer Contracts Regulations
We comply with the legislation contained in the Consumer Contracts Regulations that were introduced into UK law in June 2014. They replaced the Distance Selling Regulations 2000 and as updated. We strive to give clear information to allow you to make an informed choice regarding whether to buy from us or not.
The Consumer Contracts Regulations cover occasions where you purchase from us at a distance. For example, through the sites, via telephone or post. The regulations do not cover face to face purchases.
At the point during the transaction where the contract is about to be concluded (this means when you are obligated to purchase and we are obligated to supply) and if you are purchasing from us online, we will remind you of this before any payment is processed.
Once you have proceeded past that reminder, the contract will be concluded and your payment will be processed. You have a right to cancel within 14 days of receiving your goods.
For annual membership purchases, this is a service and not goods. As soon as your payment has been processed you will have access to the sites, including member only parts. We will send you an email acknowledging and confirming your purchase. If you wish to cancel the service then we reserve the right to charge for the time you had access to the sites to the point of receiving your notice of cancellation.
Cancelling Purchases (including your membership):
For financial guides and information (whether delivered electronically or by post) that are non-returnable.
You are not able to cancel once the contract has been concluded. Under the Consumer Contracts Regulations any material such as electronic financial guides and information could be deemed as ‘services’. Those financial guides and information posted to you could be deemed as ‘goods that by reason of their nature cannot be returned’. This is because once you have received the financial guide or information, you cannot return the knowledge gained from them.
If you wish to terminate your membership of FinancialAdvice.net you can do this at any time by sending an email to info@FinancialAdvice.net or by telephoning us. If you decide to end your membership part way through the subscription year (outside the 14-day cancellation period) we will not make a proportionate refund of the unused membership period.
Our Rights to Terminate your Membership
We may terminate your membership and refuse your access to the sites in the following circumstances:
If for any reason you are not satisfied with your membership of FinancialAdvice.net or other purchases, we will investigate the issues you raise and will endeavour to resolve them as quickly as possible.
If you wish to make a complaint relating to a regulated product or service, this will be dealt with in accordance with the rules of the Financial Conduct Authority. We have complaints handling procedures, which are available on request.
Single User Licence for Purchases by Industry Professionals
References to “us”, “we”, “our” and “FinancialAdvice.net” in this licence means Roberts Clark IFS Limited.
By purchasing this guide, you agree to be bound by the following terms and conditions:
1. When you ‘purchase’ a guide from us you are purchasing a single user licence to use our guide for the purposes of your own business or in a single company. You may use the guide as often as you want, subject to the other terms and conditions of this single user licence.
2. All ownership rights, copyright and intellectual property rights in the content shall remain the sole property of Roberts Clark IFS Limited. We will strongly protect our rights.
3. You may not copy, modify, publish, transmit, sell, reproduce, create derivative works from, distribute, pass off as your own work, perform, display or in any way exploit the content of the guide, in whole or in part, except as expressly permitted.
4. It is a condition of the licence that you preserve our copyright notices as far as reasonably possible, and at least once on every document.
5. We reserve the right to withdraw, amend or update any guide without notice.
6. We try to ensure that all guides and information contained within them are up to date and accurate at the time of issue. However, Roberts Clark IFS Limited nor its directors or officers or third party sales agents shall be liable from any losses that arise from relying upon the guide or information contained within it.
7. Where guides and/or the information contained within them changes, we will have no obligation to inform you. Where we update guides and/or information that you have purchased, we may contact you to inform you of the update.
8. The guides and information contained within them do not constitute legal, regulatory or financial advice. If you are unsure you should seek professional advice.
9. This licence shall be governed by and construed in accordance with English law, and any disputes relating to this licence shall be subject to the exclusive jurisdiction of the courts of England.
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