Website Access

Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Website without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.

Acceptable Use

You may use our Website only for lawful purposes. You may not use our Website in any way that breaches any applicable local, national or international law or regulation or that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect. You also agree not to access without authority, interfere with, damage or disrupt any part of our Website or any equipment or network on which our Website is stored.

Intellectual Property

You may print off one copy and may download extracts, of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website. This license does not permit incorporation of the material or any part of it in any other work, publication, or website whether in hard copy or electronic or any other form.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status as the authors of material on our Website must always be acknowledged.

You must not use any part of the materials on our Website for any commercial purpose without obtaining a license to do so from us.

If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on Information Posted

Commentary and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. Users of the Website should not take or omit to take any action that relies on information on our Website.

While we make every effort to ensure that the materials on our Website are accurate and complete, we provide them for information only, so they are indicative rather than definitive. We, therefore, make no explicit or implicit guarantee of their accuracy, and, as far as applicable laws allow, we neither accept responsibility for errors, inaccuracies or omissions, nor for loss that may result directly or indirectly from reliance placed on such materials by any visitor to our Website.

In making our Website available, we do not imply or establish any client, advisory, financial or professional relationship. Through our Website, we, nor any other person is providing advisory, consulting or other professional services.

Our Website Changes Regularly

We aim to update our Website regularly and may change the content (including any information relating to properties) at any time. If the need arises, we may suspend access to our Website, or close it indefinitely. Any of the material on our Website may be out of date at any given time, and we are under no obligation to update such material.

Our Liability

As our Website is provided free of charge, the material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude: all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; any and all liability (whether arising in contract, tort or otherwise) for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it. This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

Information about you and your visits to our Website

We process information about you in accordance with our privacy policy and in line with the GDPR. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate. If you wish us to amend your details please contact us.

Linking to our Website

You may link to our home or other Pages, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not operated by you.

Our Website must not be framed on any other website, nor may you create a link to any part of our Website other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with applicable local, national or international law, regulation, and good industry practice.

Links from our website

Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Jurisdiction and Applicable Law

The English courts will have exclusive jurisdiction over any claim arising from or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by Scottish law.

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Website.

Changes to our Privacy Policy

Any changes we may make to our privacy policy in the future will be posted on this page.

 

Complaints

Complaints Manager Contact Details

Name: Leah Vella

Telephone: 02381 980034

Address: First Floor Anglo City House, 2-6 Shirley Road, Southampton SO15 3EU

E-mail: leah@homelogic.co.uk

Our Procedures

Any complaint verbal or written will be referred to our complaints manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also

• Acknowledge the complaint in writing promptly
• Give details in our acknowledgement letter of the Financial Ombudsman Service
• Make contact to seek clarification on any points where necessary
• Fully investigate the complaint
• Keep you informed of our progress
• Discuss with you our findings and proposed response

You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.

Adviser or Provider

Clients often express dissatisfaction to their adviser about the product provider. We will need to establish whether or not your complaint relates to the advice given, the adviser service or the service or performance of the product provider. If unclear, this must not delay investigation and we will proceed with our own investigation. The complaints manager will review this matter and take the complaint to the provider if appropriate in consultation with you.

Investigation

The complaints manager will establish the nature and scope of your complaint having due regards to the Financial Conduct Authority’s direction:

• Deal with complaints promptly and fairly
• Give complainants clear replies and, where appropriate, fair redress

Eligible Complainants

It is the firm’s policy to treat all complainants the same, however, eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.

The Financial Conduct Authority complaints rules apply to complaints:

• Made by, or on behalf of an eligible complainant;
• Relating to regulated activity;
• Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience;

Final response

This will set out clearly the firm’s decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.

We must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:

• Explain that the complainant must refer the matter to the ombudsman within six months of the date of this letter or the right to use this service is lost
• Indicate whether or not we consent to waive the relevant time limits.

Complaints Acknowledged Within 5 Working Days

Complaints that can be settled to your satisfaction within 5 business days can be recorded and communicated differently.

Where we consider a complaint to be resolved to your satisfaction under this section, we will promptly send you a ‘Summary Resolution Communication’, being a written communication from us which:

• refers to the fact that you have made a complaint and informs you that we now consider the complaint to have been resolved to your satisfaction;
• We will tell you that if you subsequently decide that you are dissatisfied with the resolution of the complaint you may be able to refer the complaint back to us for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
• Indicates whether or not we consent to waive the relevant time limits, (where we have discretion in such matters)
• Provide the website address of the Financial Ombudsman Service; and
• Refer to the availability of further information on the website of the Financial Ombudsman Service.

In addition to sending you a Summary Resolution Communication, we may also use other methods to communicate the information where:

• We consider that doing so may better meet your needs; or
• We have already been using another method to communicate about the complaint.

Closing a complaint

We will consider a complaint closed when we have made our final response to you. This does not prevent you from exercising any rights you may have to refer the matter to the Financial Ombudsman Service.

Financial Ombudsman Service

We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman.