The following conditions constitute the terms of use
of this website and also the general condition of
engaging with us to provide you with access to advice
on financial products.
Any advice or recommendation that is offered to you
by an associated financial adviser will be based on
your stated objectives and circumstances, taking into
account any restrictions that you wish to place on
the type of products you would be willing to consider.
Unless confirmed in writing to the contrary, we will
assume that you do not wish to place any restrictions
on the advice you are given access to.
Full details of the products that may be recommend
to you including, for example, the minimum duration
of the product, information on the right to cancel
or whether no right to cancel arises, and any other
early termination rights and penalties, will be covered
in the relevant product disclosure information you
will receive before conclusion of any contract.
YOUR PROTECTION
Circumstances can arise where we or one of our other
customers may have some form of interest in business
being transacted for you. If this happens or we become
aware that our interests, or those of one of our other
customers, conflict with your interests, we will write
to you and obtain your consent before we carry out
your instructions. At this time we will detail the
steps we will take to ensure you receive fair treatment.
In certain cases you can exercise a right to cancel,
by withdrawing from the contract recommended to you.
Please note that in most instances you will not be
able to exercise a right to cancel a mortgage contract,
unless the contract is concluded at a distance (i.e.
no face to face advice), in which case you will have
a 14 day cancellation period. Additionally, any contracts
arranged with your explicit consent (normally referred
to as execution only) do not provide cancellation
rights.
If applicable, the cancellation period will begin
on the day the contract is concluded or, if later,
the day on which you receive the contractual terms
and conditions. Instructions for exercising the right
to cancel, if applicable, will be contained in the
relevant product disclosure information which will
be issued to you.
DATA PROTECTION
* To provide you with access to full and appropriate
financial advice we need to record and use information
about your personal circumstances. This information
will be held in our computer records in accordance
with our registration under the Data Protection Act
1998. We will retain your information while you have
a relationship with us and for any longer period that
we are legally required to meet.
* If you give us information about another person
we believe that you have their authority to consent
to the processing of their information.
* We may use this information to obtain illustrations
for you about the financial products we recommend
and / or share it with third parties for account administration,
debt tracing and collection, credit assessment, fraud
prevention and to inform you of other products and
services.
* We may also provide your data to the Financial Services
Authority or the Banking Code Standards for their
use in monitoring our compliance with the relevant
code.
* We will not disclose information about you to anyone
else (other than our agents or other third parties
performing any of the above activities on our behalf)
unless we are required by law to do so.
* You are entitled to ask for a copy of any information
held about you, subject to the payment of a fee applicable
to that access, and you have the right to request
that it be changed or deleted if it is incorrect.
* We may monitor and record telephone calls for training
and security purposes.
Some services are provided to us by third parties,
such as processing business or obtaining compliance
or regulatory advice, which warrant the disclosure
of more than just your basic contact details.
You agree that personal information held by us may
be disclosed on a confidential basis and, in accordance
with the Data Protection Act 1998, to any such third
parties. You also agree that this information may
be transferred electronically, e.g. via email, and
you agree that we, or any such third party, may contact
you in future by any means of communication which
we consider appropriate at the time.
YOUR CONSENT
I have read the above terms and fully consent to the
terms imposed and I authorise the transfer of information,
on a confidential basis when warranted between any
such third parties, this includes passing my personal
information to financial advisers and approaching
product providers to obtain an Application In Principle
which may involve a credit search.
I confirm that I am happy to give Harvest Associates
Ltd, or associated third parties, my express consent
to contact me at any time by telephone/post/email
to discuss the relative merits of a product or service
which may be of interest to me.
