Terms & Conditions

1. Acceptance

1.1 – Your access to and use of Mercury Wealth Management Limited’s website (“the website”) is subject exclusively to these Terms and Conditions. You will not use the website for any purpose that is unlawful. By using the website you fully accept the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the website.

1.2 – We reserve the right to update or amend these Terms and Conditions at any time and your continued use of the website following any changes shall be deemed to be your acceptance of such change. It is therefore your responsibility to check the Terms and Conditions regularly for any changes.

2. Privacy Policy

We are committed to responsible data management and subscribe to the principals of the data protection legislation in the UK. Information is for the use of people resident and ordinarily resident in the UK only. We maintain the privacy of our users and maintaining the security of any personal information received from you. If you contact us via email you will be asked to provide basic personal information. The information provided by you is not available for sale or use by third parties. The information is used solely for responding to your enquiry.

3. Links to Third Party Websites

The website may include links to third party websites that are controlled and maintained by others. A link to another website is not an endorsement of that website and you acknowledge and agree that Mercury Wealth Management Limited is not responsible for the content functionality or availability of any other sites. Any calculators should not be relied upon when taking financial planning decisions. The figures are always indicative and you are advised to seek specific advice

4. Intellectual Property Rights

None of the website content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of Mercury Wealth Management Limited. This excludes the downloading, copying and/or printing of pages of the website for personal, non-commercial home use only.

5. Disclaimers and Limitation of Liability

5.1 – The website is provided without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

5.2 – The pages on this site should not be viewed as offering you advice within the meaning of the Financial Services and Markets Act 2000.

5.3 – The Financial Conduct Authority (FCA) does not regulate certain services covered within the site such as taxation and estate planning

5.4 – To the extent permitted by law, Mercury Wealth Management Limited will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the website.

5.5 – Mercury Wealth Management Limited makes no warranty that the website will meet your requirements, that content will be accurate or reliable, that the functionality of the website will be uninterrupted or error free, that defects will be corrected or that the website or the server that makes them available are free of viruses or anything else which may be harmful or destructive.

6. Governing Law

6.1 – These Terms and Conditions shall be governed by and construed in accordance with the law of England and you hereby submit to the exclusive jurisdiction of the English courts.

6.2 – Nothing in these Terms and Conditions shall affect your statutory rights as a consumer.

6.3 – If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

7. Complaints

7.1 – If you have a complaint about the services you have received from us and wish to report it, please write to our Compliance Officer, Nigel Bourke. Alternatively, please telephone our Head Office on 01642 670307. After that, we will follow the procedure below:

As an Independent Financial Services firm authorised with the Financial Conduct Authority (FCA) the regulator has set out its rules in relation to handling clients complaints. In order to meet these rules we have put the following procedures in place.

7.2 – On receipt of your complaint we will record receipt of the complaint and write to acknowledge receipt of your complaint within 5 working days, unless it can be resolved within 1 business day. Within the acknowledgement letter we will provide you with a copy of these complaint procedures.

7.3 - We will endeavour to communicate with you in a clear and fair manner at all times whilst investigating your complaint.

7.4 –  If your complaint was made verbally, then within our acknowledgement letter we will confirm our understanding of your complaint.

7.5 –  Your complaint will then be investigated by our Compliance Officer, Nigel Bourke, who will gather all documentation required in order to thoroughly and objectively conduct the investigation. This may require some additional information from you and therefore an authority letter may be required so we can approach any 3rd party necessary.

7.6 – During the above process we will keep you informed of its progress to date and whether there is any further information we require from you. We will aim to deal with your complaint as quickly as possible.

7.7 -  If we have not resolved your complaint within 8 weeks from date of receipt, we will write to you again with our reasons for delay however we also enclose the leaflet “Your Complaint and the Ombudsmen” informing you of your rights to take action further to the Financial Ombudsman if you are unhappy with the progress. We will confirm when we expect our final response to be made.

7.8 – Within our final response letter we will set out our understanding of your complaint, the issues raised, the investigation we conducted and the outcome from the investigation. We will also detail any redress we believe appropriate or the reasons for declining redress.

8. Financial Ombudsman Service

8.1 – If you are not satisfied with our final response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

8.2 – The Ombudsman might not be able to consider your complaint if:

  • what you are complaining about happened more than six years ago, and
  • you are complaining more than three years after you realised (or should have realised) that there was a problem

8.3 – We will tell you if we think that your complaint is made outside of these time limits but this is a matter for the Ombudsman to decide. If the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

8.4 – If you do decide to refer your complaint to the Ombudsman you must do so within six months of our final response letter.

8.5 – If you do not refer your complaint to the Ombudsman within six months of the date of this letter, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances

 You can contact the Financial Ombudsman Service by:

  • Web-http://www.financial-ombudsman.org.uk/
  • Phone-08000234567
  • Email-complaint.info@financial-ombudsman.org.uk
  • or Post – The Financial Ombudsman Service, Exchange Tower, London E14 9SR