Terms And Conditions
As part of the application process it is necessary for us to receive your permission to retain your personal details on our computer files and to carry out a credit search. Any information you provide will be treated in the strictest confidence. Please read the following declaration and click 'I agree' to proceed. Agreement implies that both permission is given to retain your personal details on our computer files and to carry out a credit search and that you are in agreement with the customer declaration below. If you do not click ‘I agree’ you will be unable to proceed with your application.
I/we declare that the statements and particulars in this application form are true and accurate to the best of my/our knowledge and belief and shall form part of any subsequent agreement. I/we agree that such information may be relied upon by all third parties to whom Click Financial Limited and its subsidiaries (Click) is authorised to disclose the same as if such third parties had received the information directly.
Customer Declaration
I/We confirm that I/we have the consent of any third party whose details I/we may disclose to Click and the third parties referred to in the paragraph below to disclose such details and to authorise Click to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us.
I/We agree that Click may search the files of a licensed credit reference agency or agencies, who will keep a record of the search, to confirm my/our particulars and for the purpose of credit assessment.
In order to obtain the most appropriate service, I/We agree that Click may provide details of this application to other Credit Broker\Lenders who will also search the files of a licensed credit reference agency or agencies for the same purpose. A record will be kept of such searches which may be used by other lenders in assessing future applications for finance by me/us and members of my/our household and for occasional debt tracing and fraud prevention.
Fees
I/We understand that as a result of Click passing the information to another Credit Broker\Lender NO FEES will be payable but Click may receive introductory commission. The commission from Credit Brokers\Lenders for passing such information will vary significantly depending on the type of loan (mortgage, secured loan, unsecured loan etc) and in most instances no commission will be received unless a loan is taken out. Typically, where commission is received, therefore, this can vary from an average 1% of the Loan value (usually for a mortgage) to an average 5% of the Loan value (usually a Secured Loan)
I/We understand that any selected insurance cover may vary from lender to lender and I/we will receive the appropriate brochure together with the formal offer. Telephone calls may, from time to time, be monitored for training or security purposes.
I/we agree that Click and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration.
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Clients Risk
You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not necessarily a guide to future performance.
Payment for Services
We normally derive our income from commission paid to us by life assurance companies and the operators of collective investment schemes through which investments are made. We shall tell you the amount of commission payable to us on any such investment. If we receive a commission or other form of benefit from the issuer of a security or from another intermediary, we will inform you, but we will not tell you its amount unless you ask us to do so. Alternatively, if you or we propose to operate on a fee basis, we will agree its basis, frequency and method with you in writing before we carry out any chargeable work.
Accounting to You
Unless in exceptional circumstances, we will confirm to you in writing the basis or our reason for recommending the transaction executed on your behalf. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you.
Investment Objectives & Restrictions
Following the issue of this letter any subsequent advice or recommendation offered to you will be based on your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. Details of your stated investment objectives will be included in the suitability letter we will issue to you to confirm our recommendation. 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.
Right to Withdraw
In the case of a non packaged product ISA or Pep recommended we will inform you in writing of any right to withdraw or cancel you may have or, if it is the case, we will inform you in writing that no such rights will apply.
Complaints
If you should have any complaint about the advice you receive or a product you have bought please write to the Compliance Officer at UK Loans Finder using the address on the contact page. If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service. Full details are contained within our internal complaints procedure, which is available to you on request at any time.
I/we understand that if false or inaccurate information is given by me/us, Click will disclose the Data to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application; (iv)
I/we understand that if false or inaccurate information is given by me/us, Click will disclose the Data to any third party who replaces or who may replace my/our Lender.
Prevention Of Money Laundering
The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.
Right Of Subject Access
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.
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