Terms and Conditions - Nova

Terms and Conditions

Instruction to proceed

Please sign this document to confirm you would like to proceed with our services. Where we recommend a product from a lender who wishes to deal directly with you or you chose yourself to deal directly with a lender we have recommended, our fees as detailed on page one still apply. Where speed is required, we will consider accepting your verbal instructions to proceed and in this circumstance you understand that instructing us to proceed is your acceptance of these terms and conditions.

Data Protection

We will store and use any personal information about you to fulfil your instructions and in accordance with the Data Protection Act 1998 (“the Act”). This information may be made available to certain third parties such as regulatory authorities and our auditors who may also be bound by the Act. If you have been introduced to us by a third party, we will keep private from the third party all personal information, although we may provide to them updates on the progress of your application unless you specifically request us not to.

Following completion of your mortgage and/or setting up an insurance policy on your behalf, we will keep in contact with you by any appropriate means to review your arrangements and keep you informed of any products or services that may be of interest to you.

Restrictions and Legal Jurisdiction

Please be aware that the FCA does not regulate most Buy to Let, Commercial and Overseas Mortgages or development finance and bridging finance. Where they do fall under regulation we will notify you of that fact. We are committed however to providing the same high standards even when dealing with your requirements for non-regulated products. This agreement will be governed by and construed in accordance with the laws of England and Wales and any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales.

Payment of fees

Payment can be made by direct bank transfer or debit/credit card.

We reserve the right to charge interest at the rate of 8% per annum for any amounts due to us which remain unpaid after the due date.

What to do if you have a complaint

If you wish to register a complaint, please write to: Ockwells Rd, Cox Green, Maidenhead, Berkshire SL6 3LP or call: 0203 8000 600. If we cannot settle your complaint you may be entitled to refer it to the Financial Ombudsman Service.

Are we covered by the Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Regulated Mortgage advising and arranging is covered up to a maximum limit of £50,000.

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