www.MyCbi.co.uk info@MyCbi.co.uk

A 1:0. Important to us all initial statement

For Personal Finance we are regulated by the Financial Services Authority

A1:1. We are required by Law and by our insurers to issue this statement of terms and conditions of use so as to not only state the protections afford you the consumer but also in a fair and reasonable attempt to mitigate any future but spurious claims

A 1 : 2. As such it remains our aim and intention to help people with Personal Finance

A 1: 3. This always was the case and we sincerely hope you find the site both informative and easy to use and navigate though we do invite your comment or criticism at all times.

A 1: 4. It never is, nor ever was nor will be our intention to mis-lead anyone – quite the opposite. We wish to make as many people aware of where they are being treated positively as well as being taken for a ride by some of the institutions, even Government Departments

A 1: 5. Needless to say, we do not wish to nor do we try to slander or libel anyone – John Prescott, Tony and Cherie Blair included

A 1: 6. It is necessary for anyone using this site (as with all sites) to agree to our terms and conditions before we are able to take any question or enquiry or plea for help

A 1: 7. We know only too well that many people simply ‘tick the box’ for terms and conditions in order to ‘just get on with it’

A 1: 8. Without prejudice to ourselves we strive to not allow such action to affect your statutory rights nor the moral rights we rightly and respectfully bestow up on all of user members

A 1: 9. We envisaged these terms & conditions prove superfluous, especially when compared to our service care and control, consideration and empathy acting in our Clients Best Interest

A 1: 10. Fullest and detailed T&C as follow below

B 1: 0. Jurisdiction for use

B1:0. This web-site is intended for use only by those who can access the site from within the United Kingdom

 

C 1: 0. Governing Law
This web-site and its owners and web masters are governed by the laws of the country of the United Kingdom in which you reside and or from where you accessed the site in relation to any complaint or claim or dispute or action that may or may not arise out of this site and shall be determined by such laws

D 1: 0 Contacts

D 1:0. If you believe any information on this site is incorrect or inaccurate or have any suggestions on how the content or tools or facilities of this site might be improved please contact us at web-master@MyCbi.co.uk

D 1: 1. If you have any questions on a particular product or service please use the contact details shown for that particular product or service or submit a ‘brief expression of interest form’ requesting a telephone call at your convenience

E1:0. Changes

E1:0. We will update the content of this notice from time to time.

E1:1. Please ensure that you visit these pages regularly and refresh your browser so as to ensure you receive up to date information

E1:2. We will also changes content and statement on pages in line with product service and industry development and we ask that you also refresh browser to update the pages you view

F1:0. Customer client responsibility

F1:0. It is your own responsibility to ensure that your computer or any machine you use to access this site is virus protected.

F1:2 Arundel Associates FSA 417449 or Personal Touch financial Services Ltd FSA187834 nor David Nettleton or My Clients Best Interest or JDN-Leg can accept nor be held responsible for any loss or damage you may or may not suffer as a result of accessing this or any associated or linked sites or downloads made

G1:0 Accuracy & Validity of Information

G1:0 Whilst we take all reasonable steps to ensure that the information contained within these pages (or linked pages) is accurate and up to date it is nonetheless only made available on an “as is” basis and accordingly we cannot and nor will not accept any liability for any errors or omissions nor any losses real or perceived that may or may not immediately or later be suffered or incurred

G1:1 If you are in any doubt as to the validity of the information available within or linked to or from these pages we strongly urge you to clarify such issues by making direct contact with us

H1:0 Availability

H1:0 Whilst we take all reasonable steps to ensure this web site is always accessible we will not be held liable if, for any reason whatsoever, the web-site is or were unavailable for any period of time

H1:1. We may also have to suspend access to the web-site for routine or essential maintenance or emergency repair or updates and whilst we will always endeavor to give reasonable and adequate notice of this we cannot be bound to do so.

H1:2. Any disruption will be kept to a minimum

H1:3. We cannot guarantee or warrant our web-site will be free of viruses pests or defects nor Spyware of any description and we will not be held responsible for any technical problems or losses of any kind  resultant directly or indirectly from your use of our web-site or linked sites

I1:0 Third Party Web sites

I1:0.This web site may also contain hypertext links to web sites other than our own and so operated by third parties who may or may not be know to us.

I1:1. The responsibility for the operation content and ‘health’ of those web sites shall rest solely with the organization identified as owning or controlling those third party web sites and shall be governed by separate terms and conditions and shall not be incumbent on or to or from MyCbi or it’s owners or successors past present or future.
I1:3. Links are provided for convenience to us and or you the browser or user of our website MyCbi and any inclusion of any links do not imply any endorsement in any degree of the site to which it links or steers.

I1:4. We do not accept any responsibility or liability for any of the content of any linked web site

I1:5 We do not accept any responsibility or liability for any of the content or function or ‘health’ of any other web site in general, and especially those that may be mentioned within content on our (or linked web sites)  web site or may or may not even be recommended or promoted within same
 
J1:0 Privacy Statement

J1:0. David Nettleton, Arundel Associates and Personal Touch Financial Services together with MyCbi and Funding Options are registered with the UK Data Protection Registrar and all endeavors to follow all of the guidelines and rules set out in the Data Protection Act 1998 are made

J1:1We will not disclose your personal details to any third parties unless it is necessary to do so

J1:2. On those occasions where it is necessary to disclose information to a third party we will do so in a very strictly confidential basis in at least full compliance of the Data Protection Act 1998

J1:3. Such times as this disclosure may be necessary or reasonable would be for us to source products on your behalf, obtain insurance or assurance quotations & KFI’s, obtain KFI documents in relation to loans or mortgages, processing business instructed to us by you and obtaining regulatory and compliance advice or information all within the terms of the Data Protection Act 1998

K1:0. Privacy Policy

K1:0 We have notified our processing of personal data to the Information Commissioner under the terms and requirements of the Data Protection Act 1998

K1:1. We respect your personal privacy and will not use information we hold about you, or know about you in any way that we would not ourselves accept and herewith clearly state that what you tell us in confidence remains private

K1:2. We have set out the following information about how we manage the personal information we do collect

L1:0. Contact Details

L1:0. If you have any comments or concerns regarding our privacy policy please contact us at web-master@MyCbi.co.uk

M1:0 How we use personal data

We collect personal data to enable us to identify you and deliver personalized offers and promotions based upon your demographics and product purchase profile  and for the purposes of statistical analysis

M1:1. This personal information is also used for system administration purposes and to form personal profiles and demographics that we may use to improve to improve the content of our communications to you

M1:2 In order to collect customer or client or even visitor information to use in profiles we do sometimes use “cookies” to store and track information about your use and visits to and from our web site MyCbi

M1:3. We will use this personalized and profiled information to keep you informed of areas of development within our business profile that you may have an interest in or may benefit from.

M1:4. If you would prefer not to receive communications in electronic format of SMS Text or E-mail or Web or Pod or Blog cast please tell us by E-mail to web-master@MyCbi.co.uk

N1:0 What we will not allow to happen with your personal data information

N1:0 We will not sell, rent nor disclose any information or knowledge we hold about you to any third party except where and when we were required to do so by Law of England and or United kingdom

N1:1. We will not sell, rent nor disclose any information or knowledge we hold about you to any third party except where are or were served with a valid legal request or warrant by a law enforcement officer, officer of the court or a government agency

 

N1:2. We will not sell, rent nor disclose any information or knowledge we hold about you to any third party except where or when you have explicitly or implicitly given your consent

O1:0 Access to personal data

O1:0. Under the terms and spirit of the Data Protection Act 1998 we are entitled to charge an administration fee of £10 for answering your request for access to the data we hold.

O1:1. Applications should be made, in writing with payment attached payable to David Nettleton to 34 Glenville Avenue, Glen Parva, Leicester LE2 9JF

P1:0 Children & Internet Safety

P1:0. We do not wish to attract children and young people to this site unless it is for their educational and development purposes and or perhaps in conjunction with adult or tutor supervision or for home ‘work’ or study

P1:1. We guard against indecent and or imp[roper material at all times and effect filters and work, wherever possible with search engines such as Google or MSN or Yahoo or Ask and AltaVista in combating the spread or attachment or exposure or promotion of offensive or ‘adult material’

Q1:0. FSA Regulation Financial Services Ombudsman  Consumer Protection

Q1:0. Personal finances such as mortgages, re mortgages loans and secured loans such as second mortgages are regulated products and services controlled by the Financial Service Authority (FSA)

Q1:1. David Nettleton is a ‘Registered Individual’ in terms of being an ‘approved person’ – that is to say, approved to give financial advice and recommendation

Q1:2. The terms of this ‘Registered Individual’ status means David Nettleton is ‘under the umbrella of’ Arundel Associates for regulatory compliance and licensing purposes and therefore does not appear by name on the FSA Web site www.fsa.gov

Q1:3. Arundel Associates (FSA 417449) is a collective or ‘co-operative of 19 fully qualified and experienced individual Business Partners headed by John Hodges whose office and address is 45 Stamford Drive, Groby Leicester LE6 0YD and is an Appointed Representative of Personal Touch Financial Services Limited (FSA187834)  who are directly authorized by the FSA

R1:0. Treating Customer Fairly

R1:0. Whilst we have always felt this was a pre-requisite for any business or business man to succeed it is a recent facet of FSA focus and is an ethos to which all Partners of Arundel Associates have proactively subscribed

R1:1. Copy of the Arundel Associates TCG Policy – Treating Customers Fairly will be posted or attached to the main pages of the MyCbi web site for prominence

R1:2. MyCbi My Clients Best Interest is a trading name of David Nettleton purely for marketing purposes. MyCbi itself does not give any advice nor recommendation nor is the business name or web site qualified or approved or regulated to do so.

R1:3. Funding Options and Funding Options & Business Finance deal only with Commercial and or Business finance which is not a regulated activity. However, it does, as with Personal Finance require Consumer Credit Licence issued by the Office of Fair Trading together with Employers and Public Liability Insurance, EL & PL and Professional Indemnity insurance PII to cover advice and recommendation

R1:4. All business of David Nettleton as Partner of Arundel Associates and as sole trader and as Funding Options, The Sick Pay Club, Life Quote, JMG –BMV or JMG-SRB and Reclaims Management all subscribe to and embrace regulation and increased consumer protection

S1:0. Edit or Removal of Your Account Information

This can be quickly and easily arranged, please initially write to Web-Master@MyCbi.co.uk who then contact the appropriate departments to ensure your wishes are complied with as far as English Law allows us since it may be necessary under FSA requirements or for us to comply with Anti Money Laundering legislation to retain some detail or records for up to 7 years in some instances

T1:0. Loans Mortgages Re mortgages Secured Loans Second Mortgages

U1:0. Debt Management Debt Consolidation Informal Arrangement CCJ IVA

V1:0, The Sick Pay Club & Income Replacement

W1:0. Payment Protection Mis-sold Claims + MPPI & PPI Reclaim

 

X1:0. Housing Advice Sale & Rent Back Scandal and Protection

X1:1. Fast House Sales - Cash Buyers – BMV Below Market Value sales

Y1:0. Whatever yet – Maybe Bank Charge Reclaims & or Endowments

Z1:0. Whatever yet

Copyright David Nettleton 2007                                         Copyright JDN-Leg 2007

Items marked ***DN*** May be Copyleft Protected 2007 www.copyleft.com

Telephone calls to us or any of the afore mentioned may be recorded for training and monitoring purposes – As per usual what this means is that some calls may be recorded perhaps as an evidential record of what was said done or agreed – if this is or were the case then all parties to such a recording are entitled to copy or transcript under the spirit of the Data Protection Act 1998