ServiceTerms

Terms & Conditions

Clear guidelines outlininghow our services operate andthe standards we follow

These terms outline how our services operate, the standards we follow and the responsibilities held by both parties. They ensure clarity, fairness and transparency throughout your engagement with us. By accessing our site or booking an appointment, you agree to these terms.

Terms & Conditions

Last updated: July 1, 2026

1. Definitions

    • “We”, “Us”, “Our” – the ILA service provider
    • “You”, “Client” – the individual receiving advice
    • “Service” – Independent Legal Advice delivered via video call

2. Scope of Service

We provide Independent Legal Advice for:

    • Mortgage and remortgage transactions
    • Personal guarantees
    • Transfer of equity
    • Occupier waivers
    • Gifted deposits
    • Bridging loans
    • Other lender‑required ILA

Advice is delivered remotely via video call unless otherwise agreed.

3. Client Responsibilities

You agree to:

    • Provide accurate and complete information
    • Upload all required documents before your appointment
    • Attend your scheduled video call on time
    • Ensure you are in a private, quiet environment for the consultation
    • Confirm your identity when requested

Failure to comply may delay or prevent the issuance of your ILA certificate.

4. Fees & Payment

    • All fees are fixed and displayed at the time of booking
    • Payment must be made in advance
    • Fees are non‑refundable once the appointment has commenced
    • Missed appointments may incur a rebooking fee

5. Cancellation & Rescheduling

You may cancel or reschedule your appointment:

    • Free of charge with at least 24 hours’ notice
    • Within 24 hours, a cancellation fee may apply

If we need to reschedule, we will notify you as soon as possible.

6. Delivery of ILA Certificate

Your certificate will be issued:

    • After the video call
    • Once identity verification is complete
    • Provided all documents have been reviewed

We are not responsible for delays caused by incomplete or incorrect information.

7. No Legal Representation

Our service is limited to Independent Legal Advice for specific documents. We do not act for you in the wider transaction and do not negotiate terms with lenders or third parties.

8. Limitation of Liability

We are not liable for:

    • Losses arising from incorrect information provided by you
    • Delays caused by lenders, brokers or third parties
    • Technical issues beyond our control
    • Indirect or consequential losses

Our liability is limited to the amount paid for the service.

 

9. Use of Website

You agree not to:

    • Misuse the website
    • Attempt unauthorised access
    • Copy or distribute website content without permission

10. Intellectual Property

All website content, branding and materials are owned by us. Unauthorised use is prohibited.

11. Governing Law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.