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Terms and Conditions

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be legally bound by the following terms and conditions of use, which together with our privacy policy govern Preferred Adviser's relationship with you in relation to this website. We reserve the right to change these terms and any information on the site at any time without notice and changes will take effect immediately upon posting and you will confirm your agreement to be bound by the revised terms by continuing to use the site.

Terms of Use

The term "Preferred Adviser" or "us" or "we" refers to the owner of the website whose registered office is Transparency Limited, The Old Workshop, Kennerleys Lane, Wilmslow, Cheshire, SK9 5EQ. The contact number for any enquiries is 0844 567 5825. Our company registration number is 08051887 at Companies House. The term "you" refers to the user or viewer of our website. We are not required to be regulated by the Financial Conduct Authority.

Financial Advice

Under the Financial Services and Markets Act 2000, the giving of financial services advice is an activity regulated by the independent watchdog for the financial services industry, the Financial Conduct Authority ("FCA"). Only persons with authorisation from the FCA or those benefiting from an exemption can do so. The majority of advisers on this website are authorised firms. Some advisers are 'appointed representatives' of authorised firms, which means that they are not directly authorised themselves but they have been appointed by an authorised firm to act on its behalf, and so benefit from an exemption.

Although periodic checks are made to verify that an authorised firm continues to be registered with the FCA, Preferred Adviser recommends that users of this site make their own checks before engaging with an adviser. If you are unsure as to the current regulatory status of any firm or individual, please view the Financial Services Register directly at www.fca.org.uk/register.

Not all financial advisers are regulated by the FCA, especially those originating outside the UK, so before taking any advice decisions we would encourage you to check with an adviser:

Our lists cover a wide range of advisers, including independent financial advisers, insurance intermediaries, mortgage intermediaries, and other persons who advise on a variety of financial products. Some offer restricted advice in relation to the products they offer or they are limited to a certain range of providers to recommend. When dealing with any adviser we would recommend that you check the basis upon which any advice is given to you.

Preferred Adviser does not endorse or approve any of the financial advisers listed in the directory or any advice that they may provide.

Website Content

The information contained in this website are provided for general information purposes only and do not constitute professional advice. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Preferred Adviser does not accept any responsibility for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of and the reliance of information contained in this website.

Links

Through this website you are able to link to other websites, which are not under the control of Preferred Adviser. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

We accept no responsibility for information provided by third parties as any links to third party sites are provided solely as a convenience to users and at your own risk.

Website Maintenance

Every effort is made to keep the website up and running smoothly. However, Preferred Adviser takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Acceptable use of our Website

You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our Website. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack or in any other way interrupt or attempt to interrupt the operation of our Website.

You cannot use the website to create, check, confirm, update or amend your own or someone else's databases, records, directories, customer lists, mailing or prospecting lists (data mining).

Exclusion of liability

Your use of our Website, and of any links to third parties sites, is at your sole risk. To the fullest extent permitted by law, neither we nor any of our directors, employees or other representatives will be liable for any loss or damage arising out of or in connection with your use of this Website or reliance on any information available on the Website or any third party site linked to this Website. This is a comprehensive exclusion of liability that applies to all damages of any kind, including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:-

Listings

All financial adviser firms listed are there to enable customers to have a variety of choice in finding a suitable adviser and be given guidance of choice from previous customer ratings and reviews. These firms should not be allowed to remove their listing from the site unless they are no longer authorised to provide financial advice in the UK. If a you are a firm who wishes to remove your company from our lists for this reason or any other then please see the "contact us" section of our website. We will check all requests to be removed from the site.

Search results will automatically be listed in order of highest rated firms first starting with firms who have subscribed to have a Featured Profile on the site. Featured Profiles will be shown in rating order followed by Basic Profiles in order of rating. The order of rating will be the average of all reviews that the firm has had since the website was formed.

Featured Listings

Financial advisers can subscribe on a monthly basis to enhance their listing to include further information such as their company logo, a brief description of their services, their contact details and their adviser details. The Featured Listings will be shown before any Basic Listings in any search results but there will be no affect on the actual rating shown. These firms will still show in search results in order of highest rating with any other Featured Listings. If a firm has multiple locations then it must subscribe for each of their locations to show in each postcode area.

National Listings

Financial advisers can subscribe on a monthly basis to add their firm to our National Listings page. This is where the financial adviser firm will deal with customer regardless of their geographical location and contact with their customers is likely to be by phone and email. These listings will be featured in a similar way to the Featured Listings above and can include further information such as their company logo, a brief description of their services, their contact details and their adviser details. All firms that form part of the National List are available by subscription only and therefore are all Featured Listings. These firms will be listed in order of highest rating.

Adviser Subscriptions

Advisers who wish to subscribe to create a Featured Listing can do this online using a credit or debit card and pay monthly. All payments will be made through a third party so we will not store any bank, credit or debit card information whatsoever. We do not offer refunds for Featured Listings but if a firm wishes to cancel their Featured Listing they can do this at any time by contacting us. We will not refund any payments but we will not take any further payments as long as we are notified at least 3 working days before the next monthly payment is due. We will then restrict the listing back to a Basic Profile listing or remove the listing completely if is forms part of our National List.

Ratings and Reviews

All Ratings and reviews are intended to give fair and constructive opinions for other customers to use at their discretion and assist them to source a suitable financial adviser. Customers should therefore abide by the following rules:

We do however welcome all constructive reviews. All reviews will be reviewed before publishing and may take some time, usually up to 3 days, to appear on this site.

Ratings and reviews will not be removed from the site if simply the financial adviser firm is unhappy with a review. Reviews will only be removed if an adviser has a clear and valid reason to believe that the review has been made in error or for malicious reasons. If an adviser wishes to contest a review, this can be done for a specific review once logged in through the adviser site.

Copyright and Intellectual property rights

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

We are the owner or the licensee of all intellectual property rights (including without limitation copyright, and registered and unregistered trademarks and designs) in our website and in the material published on it, including without limitation all copyright in the design, text, graphics software and other material on our site and the selection or arrangement thereof. All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Permission is granted to electronically copy and print in hard copy extracts from our website for your personal reference solely in connection with the acquisition of goods or obtaining information through our site. Any other use of materials on our site (including without limitation use or reproduction for purposes other than those set out above and any alteration, modification, distribution, or republication of materials) is strictly prohibited without our prior written permission.

Governing Law

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Scotland and Wales.

How to contact us

Preferred Adviser is always open to feedback and constructive suggestions especially regarding our terms and conditions. If you would like to contact Preferred Adviser with any queries or comments, please go to the "contact us" link at the top of your screen.

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