2 1. Grindeys llp Grindeys llp is a limited liability partnership. For convenience the firm is referred to as Grindeys in these Terms and Conditions. Grindeys is incorporated in England & Wales (registered number OC312191). References to we and our refer to Grindeys; references to you and your refer to the client. 2. Quality of service We are unequivocally committed to the quality of service we provide to our clients and to ensure that we are continually aware of any possible improvements, we regularly review our own performance. These reviews include feedback from clients from, for example, analysis of completed Quality Control Questionnaires. We are subject to external assessment of our quality systems and processes and a sample of files may be examined as part of this check. Please let us know in writing if you do not wish your file to be reviewed. 3. Equality and Diversity We are committed to providing a good service to all clients that is free of discrimination. You should always be treated fairly and with respect and we need to hear from you if you feel that we have not treated you according to these principles. A summary of our complaints policy is set out in these Terms and Conditions, numbered 7 below. If you would like a copy of our Equality and Diversity policy, please speak to the person that is handling your matter and they will provide you with a copy. 4. Conduct of Your Matter We will tell you the name of the person (who may be a solicitor, legal executive, licensed conveyancer, legal assistant or trainee) responsible for the day to day conduct of your matter. We will do this in our initial letter to you that confirms your instructions. The person concerned, if not a team leader, will be responsible to their team leader who will also be named. Every effort will be made to ensure continuity of the conduct of your matter by the person responsible for your case. However, if it should be necessary for a change to take place you will be notified as quickly as possible, in writing. Where appropriate we will arrange with you for outside agencies to assist in your case, for example, barristers, planning consultants, surveyors, valuers, accountants, interpreters or enquiry agents. Whilst we will use all reasonable endeavours to select the most appropriate agencies we cannot be responsible for their advice, conduct or actions in connection with your matter. Where any business or professional service is outsourced, we will take reasonable steps to ensure the confidentiality of any information concerning you. 5. Professional Rules and Regulation Whilst the Law Society is the representative body for solicitors in England & Wales, regulation of the legal profession is now carried out by the Solicitors Regulation Authority and the complaints regulator is the Legal Ombudsman. The Solicitors Regulation Authority has a Code of Conduct which all solicitors are expected to follow. It sets out a number of key principles, including: Upholding the rule of law and the proper administration of justice; Acting with integrity; Not allowing our independence to be compromised; Acting in the best interests of each client; Providing a good standard of service to clients; and Behaving in a way that will maintain public confidence in ourselves and the legal profession.
3 6. Financial Services As we are regulated by the Law Society for financial services, we may have to refer you to someone who is authorised by the Financial Services Authority, as we are not. We may, however, be able to provide certain limited investment services where these are closely linked with the legal work we are doing for you. 7. If You are Dissatisfied with Our Service The firm aims to offer all of its clients an efficient and effective service. However, even in the best-run organisations, from time to time, clients may be unhappy with the way the matter is being dealt with or the service they have received. If, at any time, you have any issues or concerns about the conduct of your case, or if you have a complaint about your bill, you should contact the person handling your case in the first instance. Their name is in the Confirmation of Instruction letter given to you at the start of your job. If you are still unhappy, you should then discuss the matter with their supervisor and failing that, with the firm s Client Care Partner. We will endeavour to resolve any concerns you have, but if we are unable to do so to your satisfaction then you may ask the Legal Ombudsman to consider your complaint. If the concern is in relation to your bill, you may also apply to the court for an assessment of the bill under Part III of the Solicitors Act Please note that if all or part of the bill remains unpaid, the firm may be entitled to charge interest. A copy of our complaint procedure is available on request. 8. Data Protection Act The personal details you provide will be used by Grindeys to process your matter in accordance with the provisions of the Data Protection Act Data is stored both manually and on computer and we take the privacy and protection of your information very seriously. The information about you is used for: The processing and administration of your matter; For the purpose of dealing with your matter, we may need to pass information to others such as barristers, agents, experts or other advisors; Sensitive information may sometimes be required in connection with your matter. The Act defines this as information about criminal offences, racial origin, political or religious beliefs etc. This will be used to protect your interests and to establish, exercise or defend your legal rights; Processing of financial transactions, including credit card information where applicable; Processing of Quality Control Questionnaires and quality control checks; File and document archiving and retrieval; Statistical and management information; and Advising you on an occasional basis of any changes in legislation or other issues that may be relevant to you. This may be done by letter, telephone or by s. If you do not wish to receive such information please write to the Marketing Department, Grindeys llp, Glebe Court, Stoke on Trent, ST4 1ET. We will not release your information or file to anyone outside Grindeys unless it is needed for us to perform our duties to you. However, in certain cases, the law places a statutory duty on us to disclose information, for example, under a court order or to comply with the Proceeds of Crime Act 2002 and the Terrorism Act Your data will be stored and processed in the European Economic Area ( EEA ). Very occasionally a client s matter will involve countries outside the EEA, in which case data may need to be transferred and by using our services you agree to the data being transferred.
4 9. Appointments, Correspondence and Telephone Calls We will endeavour to arrange appointments with you at your convenience. Whilst the person responsible for your matter will always try to see you at short notice, no guarantee can be made of the availability of the person under such circumstances. Every effort is made to return phone calls on the same day and reply to correspondence and s as quickly as possible. We prefer to communicate using as this provides a better service to our clients. If you would prefer us not to use s then please let the person handling your case know. s are usually sent without encryption but you may prefer the added security encryption provides, in which case let us know and we will enable encryption for all future exchanges. 10. Quotations Where a quotation (i.e. a fixed price or percentage of the value of an estate or property) has been given, you must take particular note of the extent of the work that we have agreed to do for you, as we have given you a quotation based on this. The nature of legal work is such that issues may arise during the job that require us to carry out further work which is outside the scope of the job originally quoted for. We will discuss this with you at the time, but reserve the right to make an additional charge in accordance with the criteria laid down below for fees (clause 11). If you ask us to undertake additional work or alter earlier instructions, this may also involve us in extra work and hence additional charges. Again, the charge will be calculated based on the criteria laid down for fees (clause 11). 11. Estimates We will try to give a realistic estimate of the fees involved in any matter in which we are instructed. However, by the nature of the work, matters may be more or less complex than originally envisaged. We will keep you informed of any resulting revision in the original estimate of fees. We will explain to you the issues raised in your matter and keep you informed of progress. Where possible, we will tell you how long we think the matter will take to complete, or get to the next stage. If the case is contentious, we will tell you whether the anticipated outcome of your case will justify the likely costs and risk involved. Where we cannot give an estimate because of the degree of uncertainty, we will tell you the hourly rate (excluding VAT and expenses) of the person with conduct of your matter and, if appropriate, of others who may work on it. Alternatively, we may provide a range of fees representing the possible minimum and maximum estimated values, or a figure just for the first stage of the job. You may set a limit on the fees and expenses to be incurred. This means you must pay those incurred up to the limit. We will let you know as soon as it appears that the limit may be exceeded. We will not exceed it without first obtaining your consent. 12. Fees The Solicitors Code of Conduct requires that our fees be fair and reasonable to both us and to you, having regard to all the circumstances of the case. In particular, we are entitled to take account of: a) the complexity of the matter or the difficulty or novelty of the questions raised; b) the specialised knowledge and responsibility involved; c) time spent on the case; d) the speed at which the job is to be concluded; e) the number and importance of the documents prepared or perused, without regard to length;
5 f) the place where and the circumstances in which the business or any part of it is transacted; g) the amount or value of any money or property involved; h) whether any land involved is registered land; i) the importance of the matter to you; j) your approval (express or implied) to the amount of the costs; k) whether or not your case is successful (in which case we will tell you at the outset the full rate and discounted rate if applicable). The time spent on a matter will include, but not exhaustively, meetings with you and third parties, telephone discussions and correspondence (letters sent and received are charged at six minutes each), reading, drafting and revising documents, research and thinking time, court appearances, travelling time, storage and retrieval of records and information, secretarial and other general supervision, administration and care and control of the matter. We may make a reasonable charge for administrative expenses including photocopying, fax, telephone, travel and similar costs which are specifically recorded against your matter. We reserve the right to charge a higher rate for work that has to be done outside the normal office hours, in which case we will notify you in writing beforehand. The rates applicable to your job will be advised to you separately. Our hourly rates are normally reviewed annually on 1st January each year to reflect increases in overhead costs and inflation. If a review is carried out before your current work is concluded, we will inform you of the change before it takes effect. In the event that we have sent you a cheque that has been lost or which remains unrepresented at our bank six months after issue, we reserve the right to make a 25 charge (inclusive of VAT) for the cheque s replacement. 13. Interim Invoices Interim bills may be sent at regular or appropriate intervals throughout the conduct of the matter. An interim bill will not necessarily cover all aspects of the work done to its date but will be taken into consideration on preparation of the final account. 14. Court Proceedings Even if you are successful in court proceedings the other party may not be ordered by the court to pay all your fees and expenses, or these may not be recoverable from the other party in full. If this happens you will have to pay part or all of our outstanding charges and expenses. If the other party is legally aided, you may not recover any of your fees and expenses, even if you win the case. If you are unsuccessful you may be ordered to pay some or all of the other party s expenses. This is in addition to our costs. We will discuss with you, when relevant, whether our fees and expenses and/or your liability for another party s fees and expenses may be covered by insurance. Interest may be claimed from the other party from the date the court orders them to pay our fees. We will account to you for this interest to the extent that you have paid our fees and expenses on account, but we are entitled to the rest of the interest. You are responsible for paying the fees and expenses of trying to recover fees and expenses from the other party. 15. Invoicing and Payment on Account Property transactions we will normally send you our bill following the exchange of contracts and payment is required on a purchase prior to completion. In the case of a sale, the payment is due on completion.
6 In other cases, it is normal practice to ask you to pay sums of money from time to time on account of the charges and expenses which are expected in the following weeks or months. This should help you in budgeting for costs as well as keeping you informed of the legal expenses which are being incurred. On matters exceeding six months duration, we will reassess our initial costs and advise you if our initial estimate will be exceeded. Any such money paid to us on account will be held in our Client Account until an appropriate invoice is delivered to you in the case of fees or until it is necessary to pay an expense. We will be entitled to transfer monies held on your behalf from our Client Account in order to discharge outstanding fees arising as a result of invoices delivered to you or expenses incurred. 16. Payment of Invoices and Disbursements You are personally responsible for payment of our fees and disbursements in full regardless of whether or not there is an agreement or order that a third party should pay them. We will use our reasonable endeavours to recover such fees and disbursements from a third party but if the amount recovered (if any) does not cover the outstanding amounts then you will be asked to pay the shortfall. In certain cases, a third party may be responsible for paying some or all of your costs. In this situation you have to pay our charges first and any amounts recovered will then be refunded to you provided our charges have been paid in full. The other person is not liable to pay the VAT element of your costs if you are able to recover the VAT yourself. You should also be aware that if the third party fails to make some or all of their payment to you, then you are responsible for any charges and expenses incurred in seeking to recover the outstanding debt. We accept payment by Switch, Delta, MasterCard and Visa. If you are paying 500 or more, there is a 1% surcharge for debit cards and a 2% surcharge for credit cards. There are no charges when the amount is below 500. It takes three days for the money to reach our bank account and this needs to be borne in mind in time critical transactions. If you intend to make any cash payments, you need to be aware that we are only able to accept a maximum of 500 on any one job. 17. Expenses We may be required from time to time to pay expenses (called disbursements ) on your behalf in connection with your matter. These may be, for example, court fees, stamp duty, search fees, barristers fees, expert witnesses fees, bank charges, couriers fees or other expenses. We require all search fees to be payable up front, before we order the search for you. If we have asked you to provide funds for this or any other disbursement but the funds have not been received, we are under no obligation to make the payment on your behalf. 18. Valued Added Tax Value Added Tax will be charged on all fees and expenses as appropriate at the appropriate rate prevailing at the tax point on which an account is delivered. If you are VAT registered we will supply to you, on request, copies of any disbursement invoices against which you may reclaim the input VAT. 19. Interest on Invoices Fees, expenses and VAT are due on the delivery of our invoice. Interest will be payable on the outstanding balance of any invoice unpaid 30 days after the date of the invoice at the rate for the time being payable, calculated on a daily basis from the invoice. If you have any query about our invoice, contact us straight away.
7 20. Abortive Instructions, Transactions and Delays We will delay or refuse to carry out any instructions or transactions if we are not reasonably satisfied of the lawfulness of the instruction or transaction. We are also unable to carry out an instruction or transaction if we have been unable to verify, to our satisfaction, your identity or the principal whom you represent. If a transaction or instruction does not proceed we will make a reasonable charge for the actual work carried out to date, based either on our hourly rates, or the percentage of time spent on a fixed price job. In addition to our fees and VAT, you will also have to pay any expenses that we have paid or committed to pay on your behalf. 21. Clearance of Funds We are bound by the Solicitors Regulation Authority rules that say we cannot use the funds of one client to pay the outgoings of another. In some cases we may need to make substantial payments on your behalf, such as in property transactions. When money is being paid by us to a third party, five working days must be allowed for clearance of any cheques deposited with us by you or on your behalf. Three days must be allowed for credit and debit card payments. We recommend that you use your bank s direct bank transfer ( CHAPS ) procedure to transfer money to us, which will often be cheaper, quicker and more convenient for you. If cleared funds have not been received in time to carry out the transaction, we will do what we can to mitigate the situation, but will not be liable in the event that the transaction cannot proceed. Our fees and disbursements will be due as if the transaction did complete and we reserve the right to raise a supplementary charge for any additional work required as a result of the non-clearance of funds. 22. Interest on Client Account We normally hold client monies on a general Client Account and account to clients for interest earned in accordance with the Solicitors Accounts Rules Larger sums of money can be held on a separate designated deposit account with a nominated bank or other financial institution. If requested in writing, we will open such an account, but a charge will be made to cover any bank set up fees or other costs together with a reasonable administration fee. Subsequent transfers between the designated deposit account and Grindeys undesignated Client Account in which monies may be held will be subject to similar charging. In calculating interest due to you we will assume that five working days are taken to clear incoming or outgoing cheques with interest credited from the sixth day onwards. Payments by cash, bankers draft or made by electronic funds transfer are treated as cleared funds and earn interest immediately. Because of the disproportionate costs of handling small amounts, interest is only paid where the quarterly amount of such interest exceeds Legal Aid Legal aid may be available in a limited number of cases. If you think that you may be eligible for legal aid you should ask the person responsible for your matter. Information on eligibility for legal aid is generally available from our offices. 24. Non-Payment of Bills For as long as a bill remains unpaid, we reserve the right to suspend work on that and on any other matter on which we are engaged on your behalf. Ultimately if bill(s) remain unpaid, we will terminate our retainer on all jobs with prior written notice to you.
8 We also reserve the right to deduct any amounts owed to us from any money that we hold on your behalf. By law we have a lien (i.e. a right to retain but not to sell) any property that has come into our possession on this or other matters. The lien exists until payment of all outstanding costs, expenses and VAT due from you to us has been made. We are not entitled to sell your property although its value may well exceed the value of the unpaid debt. The lien would incorporate such items as a policy of assurance, a share certificate, deeds, money or your file of papers. This is not an exhaustive list but it should be noted that the lien does not extend to your original Will, original court records or documents which come into our hands in some capacity other than as your solicitor. If we are conducting litigation for you we have additional rights in any property recovered or preserved for you, whether it is in our possession or not, and in respect of all costs incurred, whether billed or unbilled. We also have a right to ask the court to make a Charging Order in our favour for any assessed costs. 25. Money Laundering & Making a Disclosure The law requires us to obtain satisfactory evidence of your identity and sometimes other people associated with your job as well. This verification process must be completed at the start of the job. Sometimes we may do this using electronic verification procedures. If we are assisting you with a transaction, we may also need to satisfy ourselves about the source and provenance of the funds too. Please note that we are unable to receive any money until all the identification matters have been dealt with. We are professionally obliged to keep your affairs confidential. However, solicitors may be required by law to make a disclosure to the Serious Organised Crime Agency where they know or suspect that a transaction involves money laundering or terrorist financing. If we make a disclosure in relation to your matter, we may not be able to tell you that a disclosure has been made. We may have to stop working on your matter for a period of time and may not be able to tell you why. If any loss occurs as a result of our having made a report then the law precludes you making a claim against us. 26. Joint Instructions on Property Matters In most property transactions we will act for both you and the lender providing your mortgage finance. Under Section O (4.1) of the Solicitors Code of Conduct 2011, we have a duty to disclose information of which we are aware which is material to the matter. In particular, we are under an obligation to report to the lender the purchase price and you may be committing fraud if you seek to misinterpret the true price by omitting to mention any relevant facts to us. It is a condition of business that you agree to waive your right to confidentiality in order for such a disclosure to be made. 27. Limitations to Scope of Work Unless we have agreed something with you to the contrary, we will only provide you with legal advice directly connected to the work you have asked us to do. We are not responsible for advice and neither do we make an assessment of the finance, business, commercial, accounting, environmental or insurance implications of a proposed transaction. In property work, it is not our responsibility to carry out physical property inspections, valuations or to arrange or advise on the suitability of mortgage or other financial arrangements, unless specifically requested by you.
9 28. Storage of Documents We will store deeds, Wills and documents etc. by agreement with you, usually free of charge but no liability is accepted in relation to such storage and we have no duty of care to give advice in respect of those documents. If a charge is ever contemplated, prior notice will be given. Files are retained for a minimum of six years from when we conclude work on the file and in most cases, longer than this. By agreeing to these Terms and Conditions, you agree to your file s automatic destruction on or after the sixth year. If you do not wish your file to be destroyed, please advise us in writing and the file will be sent to you instead. Files are retained free of charge but we reserve the right to make a charge in respect of the provision of any copy documentation from a file that is in storage. We do not charge if your papers are being returned to you in lieu of destruction after the six year period has elapsed. If you wish us to release your papers, deeds or other documents, then we need to be sure that we are releasing them to the right person. We will ask you to make an appointment to collect the items and satisfactory evidence of identity will be required. If someone else is collecting on your behalf, as well as your written instruction, we will need to see their evidence of identity too. 29. Critical Dates Once your matter is completed we cannot accept an on-going responsibility for reminding you of critical dates in respect of matters such as rent reviews, lease renewals, exercise of options, service of notices or counter notices within time limits or any other such matters, unless we have current or specific instructions from you to deal with such matters immediately prior to the critical date concerned. 30. Environmental Searches on Property Matters We do not as standard practice carry out environmental land searches, which can highlight further matters on which to raise property enquiries, such as landfill, previous use of land, flooding from major rivers etc. If property has been polluted, then it is possible that someone who acquires property after the polluter may have to bear the costs of cleaning it up. While it cannot be guaranteed that an environmental search would reveal all such matters, it should reveal anything that is recorded on public registers. If you would like us to obtain an environmental search, we will discuss this and the cost of the search with you. It may well be that the replies to the search will mean that we will need to raise further enquiries of the relevant authorities to whom further fees may also be payable. If investigation of the results of the environmental search involves us in additional work, we reserve the right to charge for such additional work at the relevant person s hourly rate (see Fees, clause 12). 31. Copyright & Other Intellectual Property Rights Unless otherwise specifically agreed in writing, we retain the copyright and other intellectual property rights in all written or other materials supplied to you in respect of matters in which we are instructed. In the event that materials prepared by us are passed on to or are disclosed by clients to third parties, then you accept liability for the payment of proper professional charges for the use of such documentation and all expenses, or losses incurred in enforcing our intellectual property rights. 32. Tax and Planning Advice Unless specifically requested by you in writing, we will not provide tax advice on your proposed transaction. If you wish us to obtain advice, we will discuss with you whether it is a matter on which we are able to advise or whether an external tax specialist should be engaged.
10 We will not advise you on the planning implications of a proposed purchase, unless specifically requested to do so by you. However, we will advise you on the relevant information contained in the Local Search done on your property. 33. Insurance Mediation We are not authorised by the Financial Services Authority. However, we are included in the Register maintained by the Financial Services Authority so that we can carry on insurance mediation activity, which is broadly advising on, selling and administration of insurance contracts. This part of our business, including arrangements for complaints or redress if something goes wrong, is regulated by the Law Society. The Register can be accessed via the Financial Services Authority website at 34. Joint Instructions Where we are instructed by more than one person, firm or company to represent their legal interests, the instructions will be considered to be joint and several unless the instructions are otherwise varied and agreed in writing between us. 35. Conflict of Interests To avoid a potential conflict of interests, you should ensure that the person responsible for the matter is aware of your full name and address. In the case of corporate clients, this will include the registered office, normal trading or head office address and registered number of the company in addition to information about directors and the main shareholders. All material information in relation to a matter will need to be advised at the earliest opportunity to the person responsible for your case, because if a conflict of interest arises we may be unable to act for you. 36. Assessment of Fees If you have any query about our costs, please contact us so that it can be resolved. If you remain unsatisfied, you have the right to have them assessed by the court under sections 70, 71 & 72 of the Solicitors Act We are entitled to charge interest at the rate payable on judgment debts on the outstanding sum from one month after delivery of our invoice. If we have deducted our costs from sums held on your behalf or from estate funds where you are a residuary beneficiary, you may also follow the procedure set out above, provided you have notified us in writing of your complaint no more than three months after the invoice date. Your rights to challenge our fees may be restricted by these Terms and Conditions of Business. 37. Claims and Limitations on Claims By accepting these Terms and Conditions you agree that any claim made by you shall only be brought against Grindeys and not against any member, director, officer or employee. Any legal documents, notices or proceedings served on us must be transmitted by post, fax or hand delivered to a member or employee. Delivery by does not constitute valid delivery. Except only to the extent that the law does not permit us to exclude or limit our liability, the total liability of the firm, its members and employees in connection with or arising, directly or indirectly, from this matter will be limited to the aggregate amount of 3 million pounds. This limit will cover all claims of any sort whatsoever whether arising in contract, negligence or otherwise and all losses or damages including interest, costs and expenses. In the event of a banking collapse, we will make a claim under the Financial Services Compensation Scheme (FSCS) in respect of any client money held on your behalf. In order to do this, we will need your consent to provide information to the FSCS to help them identify clients and any amounts to which they are
11 entitled. The current FSCS rules set a limit of 85,000 per individual client, but if you hold other personal monies in the same deposit-taking institution as we use for your client money, then the limit of 85,000 remains in total. A corporate body client may not be considered to be a small company by FSCS, in which case they will not be eligible for compensation. For the benefit of all clients, we have in place a Professional Indemnity Insurance policy with a minimum level of cover of 3 million pounds. If we have been found to be negligent in the handling of your matter then compensation may be paid by us or by our insurers. Our regulator, the Solicitors Regulation Authority also has a Compensation Fund which is intended to provide cover to clients in situations when Professional Indemnity cover may not be available. Full details of this can be found on the Solicitors Regulation Authority website. 38. Waiver Any failure by us to enforce any time period of other term of these conditions shall not be a waiver of any condition or a waiver of the right any time subsequently to enforce all applicable Terms and Conditions contained herein. We reserve the right to amend these Terms and Conditions of Business at any time upon reasonable prior notification being given to you. 39. Severability and Variation If any part of these Terms and Conditions are found by a court (or other competent authority) to be illegal, invalid or unenforceable in part or whole then they will be deemed not to form part of these Terms and Conditions. In these cases, the rest of the Terms and Conditions will not be affected or impaired by the decision of the court or other competent authority. 40. Force Majeure We will not be liable in any way for failure to perform, or delay in performing our obligations to you, if failure is due to factors outside our reasonable control ( Force Majeure ). In the event of a Force Majeure event arising, we will notify you as soon as reasonably practicable. 41. Jurisdiction Your agreement with Grindeys llp shall be governed by English Law and shall be subject to the exclusive jurisdiction of the Courts of England and Wales. 42. Notices Any change of your address must be notified to the person responsible for your matter as soon as possible but in any event within seven days. Your address for all purposes including correspondence and service of notices shall be the initial address notified to us by you unless otherwise varied in accordance with this clause. 43. The Contracts (Rights of Third Parties) Act 1999 You should understand that this agreement between us does not create any right enforceable by any person not a party to it. 44. Termination You may terminate your instructions at any time subject to these Terms and Conditions on notice in writing. Grindeys may also withdraw from acting for you, but normally will only do so for reasons of professional conduct or arising from your failure to comply with these Terms and Conditions. If Grindeys withdraw, notice will be given and you will be advised in writing. In the event of termination, we will render an invoice to you, which will become
12 payable in accordance with these Terms and Conditions for all work carried out up to or in consequence of the conclusion of this agreement. The charge will be calculated in accordance with the section on fees above, unless we have agreed an alternative method with you. 45. Acceptance of Terms and Conditions These Terms and Conditions of Business supersede any prior Terms and Conditions whether written or verbal. In the event that there is a conflict between our written Confirmation of Instructions and these Terms and Conditions, then the written Confirmation of Instructions will take precedence. By instructing or continuing to instruct Grindeys you are deemed to have accepted these Terms and Conditions for present and future work. Future work will be carried out at the rates applicable at that time. Client care is central to the operation of our firm as it is through feedback from you, our clients, that we are able to continually develop services that meet your expectations. We always like to hear from you if you have any suggestions on how we can improve our service to you. For more information or to contact our team of legal experts: Telephone: Visit: Certificate No: 1269/97 02/12
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Unless we agree a fixed fee with you, our charges are based on the time spent dealing with your matter. Time spent on your affairs will include meetings with you and perhaps others; any time spent travelling;
Rouse Legal (Hong Kong and Vietnam) Terms of Business 1. Rouse Legal Rouse Legal in Hong Kong is regulated by the Hong Kong Law Society. Rouse Legal in Vietnam is regulated by the Ministry of Justice Vietnam.
1. BROKER INFORMATION TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING Stephenson s (2000) Ltd T/As Cooke & Mason, Manor House 3 Low Moor Road Lincoln LN6 3JY is an independent Chartered Insurance Broker.
INFORMATION ABOUT YOUR MORTGAGE Important information for you to keep and refer to 1 Information about your mortgage This booklet is sent to you with your mortgage offer so you can read it before you enter
Mis-Sold Payment Protection Insurance (PPI) Claims Pack Debt Clear Solutions is delighted to enclose an information and application pack that will enable us to reclaim any mis-sold Payment Protection Insurance
31a Charnham Street, Hungerford, Berkshire, RG17 0EJ Tel: 01488 682546 Fax: 01488 684473 Email: firstname.lastname@example.org Web: www.bradingcryer.co.uk Standard terms of business The following standard
Debt Management Plan Terms of Business Important Note These terms of business (the Terms ) explain the rights and obligations of You and Us regarding the provision of your Debt Management Plan. You should
Terms of business agreement - commercial customers M & N Insurance Service Limited Authorised and regulated by the Financial Conduct Authority No: 305837. Registered Office: 248 Hendon Way London NW4 3NL
Residential mortgages general information Residential mortgages general information 2 Contents Who we are and what we do 2 Forms of security 2 Representative Example 2 Indication of possible further costs
LEGAL SCHEME REGULATIONS These Regulations came into force on 1 July 2014. 1 Introduction 1.1 These Regulations govern the Union s legal Scheme. The Rules of the Union set out your other rights and entitlements.
Quick Instruction Form for Sale or Purchase Information Questionnaire Please complete this form and return it to us as soon as possible either by post or by email using the email address in the accompanying
MOORE BLATCH LLP TERMS OF BUSINESS: PERSONAL INJURY, CLINICAL NEGLIGENCE AND EDUCATION 1. Introduction 1.1. It is important that you have confidence in us when you seek our assistance. We therefore aim
GEORGE IDE LLP TERMS OF BUSINESS 1. George Ide LLP George Ide LLP is a Limited Liability Partnership registered in England and Wales with the registration number OC336392. Its registered office is at 52
R OTHERA D OWSON SOLICITORS AND NOTARIES Terms of Business and Service Commitments The Partnership Rothera Dowson is a partnership consisting of limited companies details of which can be found on our website,
Terms and Conditions of Business Our aim at Refresh Debt Services is to help you on your way to financial recovery. We aim to be transparent in all our dealings with you so that you understand every aspect
General Terms of Business INTRODUCTION 1. Authorisation Warners Solicitors is a trading name of Warners Solicitors LLP, a limited liability partnership registered in Scotland Number SO301921 whose registered
Client Care and Terms and Conditions Introduction We set out below our standard terms and conditions which apply if we act for you. We also provide you with information relating to the Rules of Conduct
CLIENT AGREEMENT VERSION 1.5.15 CLIENT AGREEMENT Chadney Bulgin is authorised and regulated by the Financial Conduct Authority (FCA), FCA register number 483323. Contents 1. The Financial Conduct Authority
When this form has been completed and signed by the Customer and the Alternate Lender, send it to the Customer s Relationship Manager together with the completed Authority to contact form DEED OF PRIORITIES
JRI S STANDARD TERMS OF PURCHASE 1. INTERPRETATION 1.1 Definitions. In these Conditions, the following definitions apply: Business Day: a day (other than a Saturday, Sunday or public holiday) when banks
NAB Equity Lending Facility Terms This document contains important information regarding the terms and conditions which will apply to your NAB Equity Lending Facility. You should read this document carefully
INDIVIDUAL CLIENT AGREEMENT INDIVIDUAL CLIENT AGREEMENT The following terms and conditions apply to individuals who are transacting: for their own account, as a sole proprietor of a business, as a trustee
This Agreement governs the supply of any Goods and Services by AV 24/7 Pty Ltd or any of its Related Bodies Corporate ( AV 24/7 ) to you ( the Customer ). Unless otherwise specifically agreed in writing
Terms and Conditions 1. Definition 1.1 We, The Company, Our and Us means Guardian Recovery Limited whose registered office is 4 Tustin Court, Port Way, Preston, PR2 2YQ. Guardian Recovery Limited is registered
T E R M S O F B U S I N E S S MB M O O R E B L A T C H s o l i c i t o r s 1 TERMS OF BUSINESS 1. 1.1. 1.2. 1.3. 1.4. 1.5. 1.6. 2. 2.1. 2.2. 2.3. 2.4. 3. 3.1. Introduction It is important that you have
Client Agreement This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand
Investor Compensation (UK) Limited - Terms and Conditions PPI These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should
BIBBY FINANCIAL SERVICES STANDARD CONDITIONS FOR THE PURCHASE OF DEBTS (EDITION A/2004) INCORPORATED INTO THE AGREEMENT MADE WITH XXXX 1 CONTENTS 1. Introduction... 3 2. Duration of this Agreement... 3
Terms of business agreement - Commercial clients Please read this document carefully. It sets out the terms on which Finch Insurance Brokers Ltd agree to act for clients and contains details of our responsibilities
National House 80 82 Wellington Road North Stockport SK4 1HW CHURCHWOOD FINANCIAL LIMITED Terms and Conditions of Business Introduction Important Note: These Terms and Conditions of Business explain our
INTERNATIONAL MONEY EXPRESS (IME) LIMITED ONLINE REMIT USER AGREEMENT This User Agreement is version 1.01 and is effective from This Agreement Between International Money Express (IME) Limited (hereafter
smile current account Terms and Conditions Terms and Conditions of the smile current account, overdraft and debit card (incorporating smilemore and smile student) With effect from 5 July 2015 Terms and
Standard conditions of purchase 1 OFFER AND ACCEPTANCE 2 PROPERTY, RISK & DELIVERY 3 PRICES & RATES The Supplier shall provide all Goods and Services in accordance with the terms and conditions set out
Quote Store 11 The Grange Cottam Preston Lancashire PR4 0LR General Terms and Conditions Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will be charging you
Terms of Business Agreement ( TOBA ) The purpose of this document is to describe our professional relationship and the services we will provide to you. You should read this document carefully for as well
cahoot CHAPS and International Payments terms and conditions These terms and conditions (the Conditions ) set out your rights and obligations when you request us to make any of the following payments in
COSTS DISCLOSURE AND RETAINER AGREEMENT BETWEEN (The Client) AND WATSONS Solicitors and Barristers Level 4, 130 Elizabeth Street SYDNEY NSW 2000 Tel: (02) 9283 0333 Fax: (02) 9283 0999 DX 1114 Sydney (The
You can order all our publications in large print, Braille, audio cassette or CD. Your local branch will arrange this for you or you can contact us on 08457 30 20 10. If you have hearing or speech difficulties
first direct credit card terms 1 Definitions These are the definitions used in this Agreement: : a transfer to the Account of an amount you owe to another lender (who is not a member of the HSBC Group)
FINANCIAL PLANNING Nationwide customer agreement Customers receiving advice This important document describes in detail the terms and conditions that will apply to charging for advised services. It explains
Terms and Conditions We want your decision to use Valour Financial Management services to be the best decision you have ever made towards regaining control of your financial situation. To that end we aim
Web Hosting Terms & Conditions Please read these web-hosting terms carefully, as they set out our and your rights and obligations in relation to our web hosting services. AGREEMENT: Whereas: (1) The Ruby
Standard Terms of Engagement and Terms of Business Contents 1. Standard Terms of Engagement of Keirs Carr... 4 1.1 Accounting Services... 4 Accounting Services... 4 Compilation of Financial Statements...
Retail Client Agreement Investment, Insurance and Mortgage Services Lewis Investment 41 Commercial Road Poole Dorset BH14 0HU 1. Introduction The purpose of this agreement is to set out the basis on which
SELF-Directed Nationwide customer agreement Customers not receiving advice This important document describes the terms and conditions that will apply if you invest on a selfdirected basis without advice.
Terms of Business Provided in accordance with the Consumer Protection Code 2012 issued by the Central Bank of Ireland and can be found on the Central Bank s website www.centralbank.ie About Us Our legal
CLIENT GUIDE TO LEASES You have asked us to act for you in connection with the grant of a new Lease or the assignment (purchase) of an existing Lease. The purpose of this guide is to advise you of various
Conditional Fee Agreement: What You Need to Know This document forms an important part of your agreement with us. Please read it carefully. Definitions of words used in this document and the accompanying
TERMS OF BUSINESS FOR ACCOUNTANTS The Professional Indemnity Company Indemnity House 131 Main Road Broughton Chester CH4 0NR Tel: 0333 733 5192 Fax: 0333 733 5193 www.theprofessionalindemnitycompany.com
MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the Claims Management Regulator in respect of claims management
Our standard terms and conditions for Your Advanced Personal Loan. For loans approved on or after 6 June 2015 6 June 2015 Important Information The information set out below forms part of your disclosure
Trading Services User Terms and Conditions 1. Definitions In the Agreement, unless the context requires otherwise, the following words shall have the following meanings: Access Accredited Software means
These Conditions apply to Your Loan. Other terms and conditions are in the Loan Security. When reading these Conditions You will notice the use of technical and legal words that can be identified by their
Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the
RETAINER AGREEMENT Dibble & Miller, P.C. Print Client s First Name, Middle Initial and Last Name This Retainer Agreement is a binding contract between the Law Firm of Dibble & Miller, P.C. and you, the
Loan Contract Terms and Conditions booklet with: Mortgage conditions; and Direct Debit Request Service Agreement This booklet contains some of the terms and conditions that apply to a loan we offer Borrower(s)
PAGE 1 OF 9 The following Terms and Conditions cover personal savings accounts with Shawbrook Bank Limited. These Terms and Conditions, Your Application, and the Key Product Features, comprise the agreement
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