Terms

About Us

Remortgage-net is a trading name of Fair Investment Company which was launched in 2000 and is a leading independent UK personal finance portal authorized and regulated by the Financial Services Authority (FSA).

Fair Investment Company of Kings House, 14 Orchard Street, Bristol, BS1 5EH. is authorised and regulated by the Financial Services Authority (FSA). Our FSA registration number is 192852. You can check that we are registered by checking the FSA website on www.fsa.gov.uk.

Our services

Fair Investment Company does not provide advice, but instead provides customers with information to assist them in selecting products they feel are most appropriate for their needs.

Fair Investment Company, although authorised to do so, does not advise on FSA regulated products.

Fair Investment Company effectively acts as “introducer” and will introduce you to other companies who provide financial products and services.

Our website provides you with the opportunity of researching and selecting financial products over the Internet. We will not advise you on the suitability of any product. If financial advice is required, we will put you in touch with a company who provides financial advice.

Full details of the products you take out including, for example, the minimum duration of the product, information on the right to cancel or whether no right to cancel arises, policy terms and conditions and definitions will be covered in the relevant product disclosure information you will receive prior to the conclusion of any contract which you may select.

You or we may terminate our relationship at any time without penalty.

Risk

Please be aware that investments can fall as well as rise, and that you may not get back the full amount invested. The price of investments may depend on fluctuations in the financial markets, which are outside our control. Past performance is not necessarily a guide to future performance.

Please note that FSA does not regulate all types of commercial finance and personal loans. Protection policies – such as health insurance, critical illness and income protection - will not be regulated by FSA until midnight on 14 January 2005.

Right to cancel

In most cases you can exercise a right to cancel, by withdrawing from any contract recommended to you. In general terms you will normally have a 30 day cancellation period for a life or pension policy and a 14 day cancellation period for all other policies. Please note that in most instances you will not be able to exercise a right to cancel in connection with the purchase of shares, units in a collective investment scheme and unit linked life/pension policies when sold at a distance, or a mortgage contract unless the contract is sold at a distance. Additionally, any contracts arranged at your explicit consent (normally referred to as “execution only”) do not provide cancellation rights.

The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, 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 your right to cancel, if applicable, will be contained in the relevant product disclosure literature sent to you by the company providing the contract.

Client money

Fair Investment Company is not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.

We do not charge any fees for the service which we provide, and there is no additional cost for using a means of distance communication.

Remuneration

Fair Investment Company receives introduction fees or commissions or both from third parties to whom introductions are made.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.

Complaints

If for any reason you need to complain about the website, please write to the Compliance Officer at Fair Investment Company, Kings House, 14 Orchard Street, Bristol BS1 5EH. If following our investigation and response to you, you are still not satisfied with the outcome, you may contact the Financial Ombudsman Service (FOS). Full details of the FOS is contained within our complaints procedure, which is available at any time, on request.

Third party rights

This terms of business excludes any rights which may be conferred upon third parties by the Contracts (Third Party Rights) Act 1999.

Data protection

Some services are provided to Fair Investment Company, 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 Fair Investment Company, 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. 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. I acknowledge that the Terms of Business will come in to effect from the date of issue. I also confirm that I give Fair Investment Company, my express consent to contact me by telephone or e-mail.