Terms & Conditions

Introduction

Welcome to Opus Mortgage & Protection. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or using our services, you agree to be bound by these Terms.

We're committed to providing you with exceptional mortgage and protection insurance advice. These terms help ensure we can deliver our services effectively while protecting both your interests and ours.

About Opus Mortgage & Protection

Opus Mortgage & Protection Ltd is authorised and regulated by the Financial Conduct Authority (FCA). We are an appointed representative of Connect IFA Ltd (FRN: 441505), which is authorised and regulated by the Financial Conduct Authority.

Our Services

We provide mortgage brokerage and protection insurance advice services, including:

• Mortgage advice and arranging services
• Protection insurance advice
• Mortgage and financial calculators
• General information and guidance
• Application processing and submission

All advice is provided based on your individual circumstances and needs. We are committed to acting in your best interests at all times.

Website Use

When using our website, you agree to:

• Provide accurate and complete information
• Use the website for lawful purposes only
• Not attempt to gain unauthorized access to any part of the website
• Not use the website to transmit harmful or offensive content
• Respect intellectual property rights

Client Responsibilities

To provide you with the best service, we need your cooperation. You agree to:

• Provide complete, accurate, and timely information about your circumstances
• Inform us immediately of any changes that might affect your application
• Respond promptly to requests for documentation or information
• Read and understand all documentation before signing
• Ask questions if anything is unclear
• Make payments when due and notify us of any payment difficulties

Fees and Charges

We believe in transparent pricing. Our fee structure will be clearly explained during your initial consultation, including:

• Whether we charge a fee for our service or receive commission from lenders
• The amount of any fees payable and when they become due
• How commission payments might affect our recommendations
• Any third-party costs you may need to pay

All fees are agreed in advance, and you'll receive written confirmation before any charges are applied to your account.

Limitation of Liability

While we take every care in providing our services, we must set reasonable limits on our liability:

Complaints Procedure

What to do if you have a complaint

It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

Data Protection

We take your privacy seriously and handle your personal data in accordance with GDPR and data protection legislation. Please see our Privacy Policy for full details of how we collect, use, and protect your information.

By using our services, you consent to the processing of your personal data as described in our Privacy Policy.

Intellectual Property

All content on this website, including text, images, graphics, logos, and software, is protected by copyright and other intellectual property rights.

You may view and print pages for personal use only. Commercial use, reproduction, or distribution without our written permission is prohibited.

Changes to Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make significant changes:

• We'll update the "Last updated" date at the top of this page
• We'll notify existing clients by email where appropriate
• Continued use of our services constitutes acceptance of the updated terms

Governing Law

These Terms are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the English courts.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to apply.

Contact Information

If you have any questions about these Terms & Conditions, please contact us:

We're here to help and ensure you understand your rights and obligations when using our services.