Medident Financial Planning - Terms and Conditions

Provision of internet services

We cannot guarantee to provide and maintain the services continuously and without interruption and faults.  We may also temporarily suspend availability of the services in order to upgrade, repair or maintain any aspects of the technological infrastructure of the services.  We will use all reasonable endeavours to carry out such repair or maintenance work with minimum disruption to the services.

We will use our reasonable endeavours to maintain and provide the services in accordance with these terms and conditions.  However, you acknowledge that we are not and cannot be responsible for the networks or for the services not being transmitted correctly or without interruption and shall not be liable to you for any failure to provide and to transmit all or any part of the services or if you cannot access the services.  We will not be held responsible for the content or functionality of other internet sites which may have links placed to them on this site.

Client Agreement

A copy of our Client Agreement is available as a PDF download.

The document is in PDF format and to read it you need to have Adobe Reader installed on your computer.  This is available free from the Adobe website.

Data Protection

By registering your details on this website, you are giving your explicit consent to us holding personal data which you provide to us, in accordance with our Privacy Policy, including any sensitive personal data as defined in the Data Protection Act 1998.

Online Security

Your personal details are not stored on any part of our site.

You recognise that the internet is accessible to anyone with the appropriate technical capability and as such it is impossible to protect totally against the abuse of the system by third parties, including the introduction of a virus onto the system.  You acknowledge that it is your responsibility to satisfy yourself that your own information technology is protected against computer viruses.

Credit and debit card payments

Credit or debit card information is not stored on any part of our site and you always have the option of ordering without submitting your card details.

Quotations

All quotations are given in good faith and are subject to completion of a satisfactory proposal form and acceptance by the insurance company. It is the proposer's responsibility to answer all questions honestly, correctly and to disclose any material facts.

Policy Documents

Policy documents will be issued to clients at the address stated on the proposal form.  All policies and documents must be checked by the policyholder for accuracy and suitability.  Any errors notified to us will then be rectified.

Complaints

If you wish to make a complaint, please contact us either:

In writing: Dispute Resolution Department, The Sense Network Limited, Brookdale Centre, Manchester Road, Knutsford, Cheshire, WA16 0SR; or
by telephone: 0844 576 8737; or
by email: complaints@sense-network.co.uk.

Our written complaints procedure is available upon request.  If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS).  Further information about the FOS is available from their website www.financial-ombudsman.org.uk.  If we cannot meet our obligations you may be entitled to compensation from the Financial Services Compensation Scheme.  This depends on the type of business and the circumstances of the claim.

Deposit business is covered up to a maximum level of compensation of £35,000.

Most investment business is covered for all of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Insurance business may be covered for all of the first £2,000 and 90% of the remainder of the claim, without any upper limit.  For compulsory classes of insurance (e.g. motor or employers liability insurance), advising and arranging is covered for 100% of the claim, without any upper limit.

Mortgage services may be covered for all of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Further information about the FSCS is available from their website www.fscs.org.uk.

Copyright Notice

This website is protected by Copyright.  All material on this website and any material sent to you by e-mail or any other form from this website (the "content") or in any way relating to the website belongs to our licensors or us.  All rights, including copyright, in the content of these web pages are owned or controlled for these purposes by Medident Financial Planning Limited.  In accessing these web pages, you agree that you may only download the content for your own personal non-commercial use.  You may retrieve and display content from this website on the Electronic Device on which you first accessed it or downloaded it, print a single copy of individual pages on paper and store such pages for caching purposes only, for your personal and non-commercial use alone.

You may not do any of the following without prior written permission from Medident Financial Planning Limited: reproduce the content or modify or in any way commercially exploit any of the content; redistribute any or part of any of the content; remove the copyright or trade mark notice(s) from any copies of content made in accordance with these Terms; create a database in electronic or structured manual form by systematically downloading and storing all and any of the content.

FundsNetwork™ is a trademark of FIL Limited and is used with its permission.

Further Information

Any further information may be requested from Medident Financial Planning Limited.  Contact details are shown on our Contact page.

English Law

These terms and conditions and the policies they relate to shall be governed by English Law.  Your statutory rights are unaffected.