By using our Site, you indicate that you have read, understood and accept to these terms of use and that you agree to abide by them. If you do not agree to these Terms and Condition, please refrain from using our Site. These Terms are a legally binding agreement between you and us.

Who are we and how to contact us

We are IMC Financial Services (company number 07594779), an independent financial services company that provides expert advice in a range of financial matters. Our registered address is Lambourn House, 17 Sheen Lane, Mortlake, London SW14 8HY.

To contact us, please email info@imcfs.co.uk or by post to the address above.

Who regulates our Services

IMC Financial Services is authorised and regulated by the Financial Conduct Authority (FCA) for pure protection, residential mortgages and general insurance business. You can confirm this information via the Financial Services Register at https://register.fca.org.uk or by contacting FCA on 0800 111 6768. Our FCA reference number is 449388.

Please note that, although IMC Financial Services is regulated by FCA, commercial mortgages and some buy-to-let and offshore mortgages are not regulated by the FCA.

Our Services

IMC Financial Services provides expert advice service for Mortgages (residential, buy-to-let and let-to-buy) and Protection (life insurance, critical illness and income protection). We offer a comprehensive range of first charge mortgages from across the market, but not deals that can only obtain by going directly to a lender.

We will: a) constantly review the mortgage market in order to select the most appropriate lenders to meet your individual circumstances; b) use protection providers selected to offer suitable cover to meet your needs; c) use lenders who consistently provide our customers with a competitive product range and high standards of service.

Accessing our Site

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

We amend these Terms from time to time by updating this page. Please check these Terms to ensure you understand the terms of use that apply to the use of the Site, before you engage and navigate our Site.

Acceptable use

You may use our Site only for lawful purposes. You may not use our Site 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 Site or any equipment or network on which our Site is stored.

Interactive Services and Content

When you use our features tools and contact forms present on our Site, this constitutes permission for IMC Financial Services to add your details to our database. The use of your data in this way is in accordance with our privacy policy.

Registration of Services

To receive details on the latest financial news, mortgage rates, insurance policies, will writing and other Services that we market under IMC Financial Services, you will need to register your interest with us. This can be done by visiting our office in Mortlake, or by contacting us via email or phone. You can also register your interest via our website tools. You accept sole responsibility for all use of and for keeping secret any account ID (username) and password that may have been given to you or chosen by you for the use of this Site and/or tools within the Site. You will notify us immediately of any unauthorised use of them or any other breach of security of this Site of which you become aware.

You undertake that all information provided by you for the purpose of the registering with us are accurate and complete.

Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights (including any trade marks such as ‘IMC Financial Services’ and ‘IMC’) in our Site and in the material published on it. Those works are protected by intellectual property laws and treaties around the world. All such rights are reserved.

You may download and print page(s) from our Site for the sole purpose of using this Site and your personal reference. However, you must not copy, transmit, modify, republish, store, pass-off or link to any material or information on or downloaded from this Site without out prior written consent. You must not use any part of the materials on our Site for any commercial purpose without obtaining prior written consent. Our status as the authors of the material on our Site must always be acknowledged.

Warranty

Whilst we make every effort to ensure that the materials on our Site are accurate, complete and up to date (including any information relating to mortgage rates), we provide them for information only – general interest – and does not constitute specific advice. We do not imply or establish any client, advisory, financial or professional relationship. Through our Site, we nor any other person is providing advisory, consulting or other professional services.

Due to the nature of software and the internet, we cannot warranty that your access to this Site will be uninterrupted or error free. We may suspend, withdraw, discontinue or change all or any part of our Site without notice. We shall not be liable if we cannot process your details due to circumstances beyond our reasonable control.

Our Liability

As our Site is provided free of charge, the material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy.

Whether you are a consumer or a business user, we do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees or subcontractors and for fraud or fraudulent misrepresentation.

Information about you and your visits to our Site

We process information about you in accordance with our ‘Privacy Policy‘. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

Links to and from our Site

This Site may contain links to other websites and content operated by third parties. We have no control over their individual content and, therefore, make no warranties or representations as to the accuracy or completeness of any of the information appearing in relation to any linked websites. The links are for your convenience only. You may link to our home page (www.imcfs.co.uk), 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.

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

If you wish to make any use of material on our Site other than that set out above, please address your request to info@imcfs.co.uk

Jurisdiction and applicable law

These Terms, their subject matter and their formation are governed by English law. The courts of England and Wales will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site. 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.

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 Site.

Customer Feedback and Concerns

We are committed to quality and fairness, and we try to ensure that all customer feedback is dealt with consistency and properly recorded. Phone calls may be recorded for training and monitoring purposes.

If you have any concerns about the material presented on our Site, please contact info@imcfs.co.uk

Thank you for visiting our Site.