OUR TERMS OF BUSINESS

Please read this document carefully before you sign below.

K Financial Ltd is registered under the Data Protection Act 1998.

We keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be able to advise you as to your financial needs.

We confirm that, to the best of our knowledge this information was correct at the time it was obtained from you. We also confirm that this information will not be used, or transferred by us to any other company, other than as a normal part of business transacted on your behalf. Please make sure that any emails sent to you by our company are secure and that no one else can access this information as it may contain personal data.

We cannot be held responsible for the information held on your file becoming inaccurate, due to your change of circumstances if you fail to inform us of those changes.

We cannot be held responsible for future market changes including investment performance. We recommend a regular review to make sure that advice given now continues to be the most appropriate for your needs in the future. We recommend a financial review at least every 12 months. If you do not agree to a review and subsequently a previous recommendation becomes unsuitable for your needs, K Financial Ltd will not be held responsible.

Remuneration

Please refer to the Information Disclosure Document provided in our meeting

If we arrange for you to effect a life policy from which we receive commission and subsequently you cease to pay premiums which results in us refunding the commission which has been paid to us we reserve the right to charge you a fee to recompense us for the time spent in advising you and arranging the policy. We shall not charge any fee if you exercise your right to cancel the policy in accordance with the cancellation notice sent to you by the product provider.

Right to withdraw

If a fee is being charged by us you have 14 days from the date of receipt of these terms of business to withdraw. If you do wish to exercise these cancellation rights this must be in writing. Please note a mortgage cannot be cancelled once your solicitor has completed the paperwork and drawdown the money.

CLIENT DECLARATION

I/We confirm that I/we have been provided by K Financial Ltd with a Combined Information Disclosure Document confirming the Key Facts about the service and Key Facts Document about the cost of the services. I/We understand that any fee charged will be agreed prior to any work being carried out, in writing, either on a letter head or Key Facts Illustration. If K Financial Ltd has been instructed to work on a commission basis only, and as a consequence, the most suitable product for your needs does not pay commission, you will be informed in writing, and a fee will be agreed and charged prior to any further work being carried out. Our fee structure is confirmed in the Key Facts Document about the cost of our services.

I/We understand that K Financial Ltd is Authorised and Regulated by the Financial Services Authority.

I/We understand that this information gathered by K Financial Ltd will be held on a database.

I/We give permission to conduct a credit search on our behalf to assist them if arranging a mortgage. I/We understand that K Financial Ltd will confirm this verbally with me/us first prior to conducting this search. I understand that excessive credit searches can be detrimental to my credit rating.

Periodically K Financial Ltd may issue information and newsletters to clients to keep them abreast of changes.

I/We give consent for telephone calls, emails, SMS texts, letters and faxes to be received from K Financial Ltd now and in the future for the purpose of reviewing and or changing my/our mortgage arrangements and any other financial needs. I/We understand that K Financial Ltd may pass my/our personal information to its mortgage packagers, solicitors, insurers, service providers, agents, associated companies or lending sources and I/We give consent for such information to be disclosed to them and for telephone calls, emails, sms texts, letters and faxes to be received from them.

I/We understand that the conduct of any credit taken out i.e. Mortgage, Secured Loan, Personal Loan, Hire Purchase, Credit Agreement, Store Card etc, will be registered with a credit reference bureau i.e. Experian, CCN, Equifax, Call Credit. If you do not keep your credit payments up to date and do not make payments when payments are due, will affect your credit rating and borrowing capacity in the future. Your home may be repossessed if you do not keep up repayments on your mortgage.