Terms and Conditions

Terms and Conditions

This web site is provided by Lothian Mortgage Services – Authorised and Regulated by the FCA. This web site does not give investment or other financial advice. It is designed to provide information on our services, and general educational help for potential customers. It does not and cannot give advice on your personal financial circumstances. If you require such advice please contact us. The site is intended for UK investors only. Please note that although we are a regulated entity, some of the services and products described on this web site may not be regulated by the Financial Conduct Authority. Please contact us for details.

This site contains links to other, external sites. We cannot be held responsible for the content of these sites (even if they are “framed” within our border), and their providers may or may not be regulated, therefore the regulatory protections which exist with the regulated sites will not exist on those unregulated ones. The information provided on this site does not constitute an offer of sale. Your use of this web site shall be governed by the laws of England & Wales whose courts shall have exclusive jurisdiction over any disputes arising from or in connection with the use, misuse or inability to use this web site. This site is provided free of charge and so we cannot be held responsible for the accuracy or completeness of any information presented on it. Therefore, subject to the provisions of our regulatory body and of UK law, we are not liable for any losses or damages, whether direct, indirect, special or consequential whether in contract, tort (including negligence) or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked web site for whatever reason.

We consider your privacy to be very important. We have notified the Office of the Information Commissioner of our processing obligations as required by the Data Protection Act 1998 and fully intend to comply with the provisions of that Act. For further information please contact the Office of the Information Commissioner (www.dataprotection.gov.org) or ourselves. Information provided by you will be used : by us to provide you with information and advice about investment and insurance products, and by Synaptic Systems Ltd web site maintenance and administration It is your responsibility to ensure that the information that you provide to us is accurate and up to date and to inform us of any changes that need to be made. By submitting your information to us you CONSENT to it being processed by us. Information provided by you will be stored securely, kept strictly confidential, and will not be disclosed to any third party without your explicit consent, with the following exceptions: In order to give you the information and advice that you require we may need to disclose your information to providers of investments and insurance policies. Our compliance advisers, auditors, and our regulatory body may require us to disclose certain client details to them in the normal course of their duties. The hosting of our web site, and of associated client data, is carried out by Synaptic Systems Ltd. Synaptic are Data Processors within the meaning of the Act, and will not use client information except in order to provide the functionality of the web site. We will disclose to you, on written request, what information we have on our systems related to you, how we use it, and we will give you the opportunity to review and correct any information we may hold.

Disclaimers and limitation of liability
The content of this site, including the information, names, images, pictures, logos and icons, is provided “AS IS” and on an “IS AVAILABLE” basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. Under no circumstances will we be liable for any of the following losses or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of the site regardless of the form of action. We do not warrant that functions contained in the site’s content will be uninterrupted or error free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs.