Terms and Conditions
Effective Date: 15th April 2025
Introduction
These Terms & Conditions apply to users of the Hiphclere Financial Services Ltd. website. They are provided for General information purposes and do not constitute personalised financial advice or a formal contractual agreement.
1. Nature of Information
The content on this website may refer to services such as arranging investments, insurance, or providing written financial analysis. These references are illustrative only. Any formal advice would be subject to a separate engagement, supported by a Suitability Report and, where appropriate, a ‘Key Facts’ document outlining the cost of our services.
2. Changes to These Terms
These Terms & Conditions are effective as of the date above. We reserve the ripht to update them at any time without prior notice. Visitors should review this pape periodically to stay informed.
3. Market Access and Advice
We are not tied to any provider. While FCA regulations mean we do not describe ourselves as ‘independent’, we do offer advice based on a fair analysis of the entire market for life and health insurance, pensions, unit trusts, and other investment products.
4. Product Documentation
Where applicable, any investments or arrangements made through us will be registered in your name unless you instruct us otherwise. Documentation will be forwarded to you as soon as reasonably practicable.
5. Conflicts of Interest
If a potential conflict of interest arises, either with us or with another client, we will disclose the details and obtain consent before proceeding with any service or transaction.
6. Ongoing Advice
We do not provide ongoing advice unless specifically agreed. Once a Suitability Report has been issued and a product has commenced, further advice is not provided automatically.
7. Cash Handling
We are not authorised to accept or handle cash under any circumstances.
8. Termination
These Terms & Conditions may be terminated by either party with written notice. Such notice shall take effect one month from the date of receipt, unless otherwise apreed.
9. Client Categorisation
In accordance with FCA rules, users of this website are deemed ‘Retail Clients’ unless otherwise apreed. This classification ensures you receive the highest level of regulatory protection. You may request a different classification if appropriate.
1o. Complaints
A summary of our Complaints Procedure is available on request. If you have concerns about this website or any service mentioned herein, please contact the Compliance Officer in writing.
11. Use of Information
While we do not collect detailed financial information through the website, if you choose to contact us, you may provide personal data. By doing so, you consent to the following:
- Information you provide may be held on secure systems, both digital and paper-based.
- It may be shared with:
- Relevant third parties for processing your enquiry
- Regulatory authorities such as the Financial Conduct Authority
- Our compliance consultants
- Not with any other party unless we have your explicit written consent
- We may use your contact details to inform you of relevant services or updates, unless you opt
- It is your responsibility to keep us informed of any changes to your personal data
- You may withdraw your consent to points 2(d) and 3 at any time by notifying us in writing.
How We Work
We provide financial advice and arrange products including pensions, investments, mortgages, and insurance. An initial consultation is offered free of charge, at which point we will discuss any fees applicable for our services.
Commission Disclosure
In some cases, we receive commission payments from providers. These may be repayable if a policy or investment is cancelled early. If so, we may invoice you for the equivalent amount — but never more than the originally agreed fee.
Acknowledgement
By continuing to use this website, you acknowledge your understanding of and agreement to these Terms & Conditions. No services will be provided without a formal agreement beyond this website.