Purchases from AdvisersUnited.com
Our permitted business is advising on, making arrangements in and arranging (bringing about) savings, investments, non-investment insurance contracts, regulated mortgage contracts (including lifetime mortgages and home reversion plans) and pensions, including the specialist activities of pension transfers and pension opt outs. You can check this on the Financial Services Authority Register by visiting the Financial Services Authority’s web site www.fsa.gov.uk/register/ or by contacting the Financial Services Authority on 0845 606 1234. Their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS.
Roberts Clark Independent Financial Solutions Limited is a limited company registered in England. Our registered number is 3981121 and registered office address is Prosperity House, Water Street, Burntwood, Staffordshire, WS7 1AN. Our VAT number is GB 748 2866 87.
Roberts Clark Independent Financial Solutions Limited is a licenced credit broker. Our Consumer Credit Licence number is 568030.
AdvisersUnited.com and Associated Sites
AdvisersUnited.com and associated sites (“the sites”) are trading styles of Roberts Clark Independent Financial Solutions Limited (“we” and “us”).
Access and use of the sites is subject to the following purchases terms and the other associated documents detailed on this page.
By accessing the sites you signify your acceptance of these purchases terms and the other associated documents. You must not use the sites if you do not accept the purchases terms and other associated documents.
If you do use the sites, your conduct indicates that you agree to be bound by the purchases terms and associated documents.
We recommend you save or print a copy of these purchases terms and other associated documents for your records.
The associated documents that form part of these purchases terms are:
These purchases terms replace all previous purchases terms for the sites.
We may change or withdraw any part of the sites (including these purchases terms) at any time, with or without prior notice. You should check the date the purchases terms were last updated regularly.
Using AdvisersUnited.com and Associated Sites
The site does not require you to subscribe and become a member although certain documents and services are chargeable.
You can pay for your documents and services by either debit card, credit card of via PayPal. In using these methods of payment you warrant that you are entitled to do so. If we do not receive payment authorisation or if the payment is not valid, cannot be processed or if any authorisation is subsequently cancelled or any check of your card fails, we may terminate the purchase.
We will endeavour to process your payment for documents and services promptly but cannot guarantee a specific time.
You are responsible for all use of the services and purchases made using your username and password, whether or not the use is made by you or someone else using your username and password. You are responsible for protecting and securing your username and password from unauthorised use. If you believe there has been a breach of security of your username you should contact us immediately.
It is in your interests to inform us if your email address changes, in order for us to update you when documents or services you have purchased are updated or change.
Our Obligations Under The Distance Selling Regulations 2000
We comply with the legislation contained in the Distance Selling Regulations 2000 as updated in 2006. We strive to give clear information to allow you to make an informed choice regarding whether to buy from us or not.
The Distance Selling Regulations cover occasions where you purchase from us at a distance. For example, through the sites, via telephone or post. The regulations do not cover face to face purchases.
At the point during the transaction where the contract is about to be concluded (this means when you are obligated to purchase and we are obligated to supply) and if you are purchasing from us online, we will remind you of this before any payment is processed.
Once you have proceeded past that reminder, the contract will be concluded and your payment will be processed. Your right to cancel will end as soon as your payment has been processed.
As soon as your payment has been processed you will have access to the sites, including member only parts. We will send you an email acknowledging and confirming your purchase.
Cancelling Purchases:
For documents, financial guides and information
(whether delivered electronically or by post) that are non-returnable
You are not able to cancel once the contract has been concluded. Under the Distance Selling Regulations material such as electronic financial guides and information could be deemed as ‘services’. Those financial guides and information posted to you could be deemed as ‘goods that by reason of their nature cannot be returned’. This is because once you have access to the financial guide or information, you cannot return the knowledge gained from them.
Our rights to terminate your use of the sites
We may terminate and refuse your access to the sites in the following circumstances:
- If you do not make payments that are due to us
- If you breach any of the terms detailed on the sites
- If you do or fail to do anything that would jeopardises the continuance or reputation of us and our websites
- If you breach any legislation including but not limited to, the Financial Services & Markets Act 2000.
(such as merchandise)
You have a legal right to cancel the purchase of these goods within 7 working days from the end of the day you received them (the cancellation period). If you want to cancel and return the goods you must let us know this within the cancellation period by letter, fax or email and return the goods to us, at your own cost.
We request you return the goods to us before the expiry of the cancellation period and that you call us to ensure receipt of your intention to cancel and that we have received the returned goods.
Whilst the goods are in your possession you have a statutory duty throughout the period of cancellation to retain possession of the goods and take reasonable care of them.
We will refund your payment (including the cost of delivery) as soon as possible but within the maximum allowed period of 30 days.
You have a statutory duty to return the cancelled goods to us.
Customer Satisfaction
If for any reason you are not satisfied with your purchases from AdvisersUnited.com, we will investigate the issues you raise and will endeavour to resolve them as quickly as possible.
Single User Licence For Purchases By Industry Professionals
References to “us”, “we”, “our” “AdvisersUnited.com” and “Need An Adviser.com” in this licence means Roberts Clark Independent Financial Solutions Limited.
By purchasing documents and services from us, you agree to be bound by the following terms and conditions:
1. When you ‘purchase’ a guide from us you are purchasing a single user licence to use our guide for the purposes of your own business or in a single company. You may use the guide as often as you want, subject to the other terms and conditions of this single user licence.
2. All ownership rights, copyright and intellectual property rights in the content shall remain the sole property of Roberts Clark Independent Financial Solutions Limited. We will strongly protect our rights.
3. You may not copy, modify, publish, transmit, sell, reproduce, create derivative works from, distribute, pass off as your own work, perform, display or in any way exploit the content of the guide, in whole or in part, except as expressly permitted.
4. It is a condition of the licence that you preserve our copyright notices as far as reasonably possible, and at least once on every document.
5. We reserve the right to withdraw, amend or update any guide without notice.
6. We try to ensure that all guides and information contained within them are up to date and accurate at the time of issue. However, Roberts Clark Independent Financial Solutions Limited nor its directors or officers or third party sales agents shall be liable from any losses that arise from relying upon the guide or information contained within it.
7. Where guides and/or the information contained within them changes, we will endeavour to inform you. We will briefly describe the changes and you can decide whether or not to purchase the updated document. It is therefore important for you to keep us updated with your correct email address.
8. The guides and information contained within them do not constitute legal, regulatory or financial advice. If you are unsure you should seek professional advice.
9. This licence shall be governed by and construed in accordance with English law, and any disputes relating to this licence shall be subject to the exclusive jurisdiction of the courts of England.
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