Effective from 1 May 2026

These Terms of Service govern your use of ADVICIFAS Pro. By creating an account and subscribing, you agree to be bound by them. Please read them carefully and keep a copy. You can download a copy at any time from the platform.

ADVICI LTD t/a ADVICIFAS. Registered in England and Wales, company number 14713745. Registered office: 124 City Road, London, EC1V 2NX.

We are not regulated by the Solicitors Regulation Authority, the Financial Conduct Authority, or the Prudential Regulation Authority. We are not a member of the Financial Services Compensation Scheme.

Summary of Key Terms

This summary is for information. It does not form part of the contract and the full conditions below prevail.

Definitions

These meanings apply throughout this document.

A reference to a Condition is a reference to a numbered clause of this document. Headings are for navigation and do not affect meaning. Words in the singular include the plural and the other way round.

1. About ADVICIFAS Pro

1.1 What ADVICIFAS Pro is

ADVICIFAS Pro is a self-service software platform providing tools to help you challenge CIFAS fraud markers and other adverse records held against you. The platform generates correspondence, analyses documents you upload, indicates statutory and procedural deadlines, and presents your case as a structured roadmap of steps.

Depending on your case, the roadmap may include Subject Access Requests, complaints, counter-responses, chasers, responses to information requests, subject access compliance challenges, referrals to the Financial Ombudsman Service, and referrals to the Information Commissioner's Office.

No correspondence leaves the platform until you have reviewed it and approved it. Where you have connected your own email account, approved correspondence is transmitted from that account, by the platform, at your direction. Where you have not, you copy the correspondence and send it yourself.

Either way, correspondence is sent in your own name, from your own address, and on your instruction. Every formal step in your case is taken by you.

1.2 What ADVICIFAS Pro is not

ADVICIFAS Pro does not constitute legal advice, financial advice, or regulated claims management activity within the meaning of the Financial Services and Markets Act 2000 as amended by the Financial Guidance and Claims Act 2018.

We do not represent you. We do not manage your claim. We do not negotiate with any institution, regulator, ombudsman or court on your behalf. We are not your solicitor and we are not an FCA-authorised adviser.

1.3 No guarantee of outcome

The removal of a CIFAS marker, credit marker or any other record is not guaranteed. Outcomes depend on matters outside our control, including the evidence held by the recording institution and the decisions of institutions, regulators and ombudsmen.

The generation of correspondence and the operation of the platform do not of themselves constitute a guarantee that any record will be removed, amended or reconsidered.

1.4 Eligibility

To use ADVICIFAS Pro you must:

• be at least 18 years of age;
• be permanently resident in the United Kingdom, excluding the Channel Islands and the Isle of Man; and
• have a record held against you on a fraud prevention database or on your credit file which you wish to challenge.

The platform is for use in respect of your own records only. You must not use it in respect of another person's records, whether or not they have asked you to.

Cases involving witting or complicit participation in fraud are outside the scope of this service.

1.5 Confirming eligibility

We may ask you to confirm or evidence your age, residence or identity at any time. Where you do not, or where the information you give is inconsistent with information we hold, we may suspend your account under Condition 10 until the position is resolved.

1.6 Capacity

By subscribing you confirm that you have the legal capacity to enter into this contract. If you are assisting someone who lacks capacity, or acting under a power of attorney or deputyship, contact us before subscribing so we can arrange this properly.

2. Automated Processing and Generated Content

2.1 How content is generated

Correspondence, document analysis and case assessments are produced by the system. They are generated automatically from the information held on your case, and are not written or reviewed by a person before they are presented to you, unless we tell you otherwise in a particular case.

2.2 Generated content can be wrong

Content produced by the system can contain errors, including factual inaccuracies, incorrect dates, misattributed statements, and incorrect legal or procedural references. It may also omit matters relevant to your case.

You must read everything the system produces before it goes out. You are responsible for satisfying yourself that it is accurate and appropriate before you approve it.

2.3 Your right to human involvement

No decision producing legal effects concerning you, or similarly significantly affecting you, is taken by us on a solely automated basis.

Where the platform makes an automated determination affecting your use of the service, including a determination that an uploaded document is not relevant to the step it was uploaded to, you may ask us to review it. Contact [email protected] and a person will consider it.

2.4 Deadlines

The platform may display deadlines, including statutory periods under data protection law and time limits for referring a complaint to the Financial Ombudsman Service.

These are provided for information. They are calculated from the information available to the platform, which may be incomplete or incorrect. You remain responsible for identifying and meeting any deadline that applies to your case. Subject to Condition 13.5, we are not liable for any deadline that is missed, miscalculated or not displayed.

3. Your Account

3.1 Account security

You are responsible for keeping your account credentials confidential. You must not share your password, one-time codes or authentication details with any third party. You are responsible for activity carried out through your account and must tell us immediately if you suspect unauthorised access.

3.2 Accurate information

You must provide accurate, honest and truthful information at all times. Inaccurate, falsified or otherwise untrue information may result in suspension or termination under Condition 10.

3.3 Devices and sessions

You can see the devices signed in to your account and sign any of them out from within the platform. You should do this if you lose a device or suspect unauthorised access.

We may limit the number of devices signed in at once, and may end a session for security reasons, including where we detect activity inconsistent with your normal use. Where we do, you can sign in again.

3.4 Your Membership ID

Each subscription has its own Membership ID. You can find yours on your case page in the platform, and you should quote it whenever you contact us about billing or a refund.

3.5 One account per product, and holding both products

Each subscription is personal to you and for your own use. You may not hold more than one ADVICIFAS Pro subscription.

You may hold an ADVICIFAS Pro Kit subscription on the same email address. If you do, the two are separate subscriptions governed by separate terms:

• each has its own Membership ID;
• each is billed separately, on its own date, with its own payment method;
• cancelling one does not cancel the other; and
• where a reactivation fee applies, it applies per subscription.

Suspension or termination of one subscription does not of itself affect the other, unless the reason for it applies to both.

3.6 If you die

If you die, your personal representatives may contact us at [email protected] with evidence of their authority. We will cancel the subscription with effect from the date we are notified, refund any part of the current billing period not yet used, and provide a copy of your case data to them on request. We will retain data thereafter only as set out in Condition 11.5.

4. Subscription, Billing and Cancellation

4.1 What the fee is for

Your subscription fee buys access to the platform for the period you have paid for. It is not a fee for an outcome.

You are paying to use the tools, not for a marker to be removed, for an institution to respond, or for any application to be accepted. The fee is earned by our making the platform available to you, and it remains payable whether or not your case succeeds.

4.2 Fees

ADVICIFAS Pro is charged at the monthly subscription fee displayed at the time of purchase. Fees are collected by our payment processor and are due on the same date each month.

4.3 Payment methods

We accept card payments, Apple Pay and Google Pay. You must maintain a valid payment method on your account. If a payment fails we will attempt to collect it again. Repeated failures may result in suspension.

4.4 Introductory discounts

We may from time to time offer a discount on a first payment. Any such discount:

• is offered at our discretion and may be withdrawn or changed at any time before you subscribe;
• applies to the first payment only; and
• does not apply to any later payment, so your subscription renews at the standard fee then in force.

We will tell you the discounted amount and the standard fee before you pay. Withdrawing or changing a discount does not affect anyone who has already subscribed on it.

4.5 Price changes

We may change our subscription fees. Any change will be notified to you at least 30 days in advance and will not apply to a billing period already paid for. If you do not accept a change you may cancel before it takes effect.

4.6 Immediate supply and loss of the right to cancel

Access to the platform begins as soon as your first payment is taken.

By subscribing you expressly request that we begin supplying the service immediately, and you acknowledge that you will lose your statutory right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 once supply has begun.

We record the date and time you gave that consent, together with the device and connection you gave it from.

4.7 What this means

There is no 14-day cooling-off period. Once you have subscribed, the subscription fee for the current period is not refundable, and Condition 4.10 applies to cancellation.

This does not affect your rights under Condition 12 where the service is not of satisfactory quality, not fit for purpose, or not as described.

4.8 Payments taken in error

If we take a payment we should not have, including a duplicate charge, a charge after you cancelled, or a charge for an amount other than the one displayed to you, email [email protected] quoting your Membership ID.

We will refund it within 14 days of agreeing that the payment was taken in error, by the same method you paid, unless that is not possible. There is no need to make a complaint for this.

4.9 Refund requests

Where you ask us for a refund in any other circumstance, email [email protected] quoting your Membership ID and telling us what you are asking for and why.

We will respond within 14 working days, either refunding the amount or explaining why we do not agree to the request. Where we need further information from you, the 14 working days runs from the date we receive it.

Once we have responded to a refund request, we will not review a further request on the same grounds unless something has changed. A repeated request on the same grounds may be treated as a duplicate and not responded to.

A refund request made solely on the grounds that you are dissatisfied will be treated as a complaint and handled under Condition 14. Tell us at [email protected], so it reaches the right place first time.

Nothing in this Condition affects your rights under Condition 12.

4.10 Cancelling your subscription generally

You may cancel at any time through the platform. Cancellation takes effect at the end of the current billing period and you keep access until then.

Subscription fees already paid are not refunded and no partial refund is issued for unused time within a billing period. This does not affect your rights under Condition 12.

4.11 Your data after cancellation

We do not delete your case data when you cancel. There is no automatic deletion and no expiry period. Your cases, correspondence, uploaded evidence, roadmaps and analysis remain in your account, and if you resubscribe you continue from where you left off.

This is how we operate the service and we intend to continue operating it this way. It is not a guarantee that your data will be retained indefinitely. We may change our retention practice, and if we do we will give you at least 60 days' notice and a means of exporting your data before anything is deleted. We may also be required to delete data by law or by a court.

Nothing in this Condition affects your right to ask us to delete your personal data under Condition 11.6. Where you ask us to, we will delete it.

4.12 Reactivation

You can resubscribe at any time. Where you cancelled voluntarily, a one-off reactivation fee of £19.99 applies in addition to your monthly subscription. The fee will be displayed to you before you pay it, and we will not charge a reactivation fee that has not been displayed in advance.

No reactivation fee applies where your subscription ended because we suspended or terminated it and that decision was later reversed, or where your subscription lapsed because of a payment failure you resolve within 30 days.

4.13 Payment disputes

If you have a problem with any payment, however you paid, tell us first at [email protected]. We will deal with it under Condition 14 and we will resolve it with you directly wherever we can.

Where a card chargeback is raised, your subscription may be paused while the payment is in dispute, because the payment for the current period is no longer held by us. If the chargeback is resolved in our favour, we may recover the amount and any fee charged to us, and your subscription resumes.

Nothing in this Condition affects your right to raise a dispute with your card issuer.

5. What We Will Provide

5.1 Core functions

For as long as your subscription is active, we will provide:

• the ability to upload documents and audio recordings relating to your case;
• generation of correspondence for your review and approval;
• analysis of institution responses and documents you upload;
• a case roadmap showing the steps available to you;
• access to your case history and the correspondence generated; and
• where you choose to connect an email account, the ability to send approved correspondence from it.

5.2 The roadmap shows the steps available now

Your roadmap shows the steps that are available on your case at the time you look at it. It is not a list of everything that will happen, and it is not a menu of everything the platform can do.

Steps appear when your case reaches them. A step you have seen elsewhere, or that another person has, may not appear on yours because your case has not reached that stage, because it is not available on your facts, or because an earlier step has not been completed.

Steps may also change or be removed as your case develops. Where a response from an institution changes the position, the roadmap may regenerate to reflect it.

If you think a step should be available and it is not, email us at [email protected] and we will look at it.

5.3 Changes to features

We may add, modify or remove individual features. We will not remove a core function listed in Condition 5.1 during a billing period you have already paid for, unless we are required to by law or by a third party on whom the function depends.

Where we materially reduce the functionality of the platform, we will give you at least 30 days' notice and you may cancel with a pro-rata refund of any period paid for and not yet used.

5.4 If we withdraw the service

If we decide to discontinue ADVICIFAS Pro, we will give you at least 60 days' notice. During that period you will retain full access, you will not be charged for any billing period beginning after the notice, and we will provide a facility to export your case data and correspondence.

We will refund any period paid for that extends beyond the closure date.

5.5 Support

We provide support by email at [email protected] and through the platform's help function. We aim to respond to support enquiries within 2 working days. This is a target, not a contractual commitment.

5.6 If the platform is unavailable

We do not guarantee a level of availability. Short interruptions for maintenance, updates or technical problems are a normal part of operating the platform and do not entitle you to anything.

If the platform is materially unavailable to you for more than 72 consecutive hours, we will extend your subscription by the length of the outage. The extension is applied automatically to your next renewal date and you do not need to ask for it.

An outage caused by something at your end, including your device, your internet connection, or your own account being suspended, is not covered by this Condition.

Extending the subscription is the only remedy under this Condition. We do not offer a credit or a refund for unavailability, and this Condition does not affect your rights under Condition 12.

6. Your Use of ADVICIFAS Pro

6.1 Generated correspondence

All correspondence is presented to you for review and approval before it is sent. You are solely responsible for reviewing it and deciding whether to approve it.

By approving a letter, you confirm that you have read it and consider it accurate and appropriate to send. Approval is your instruction to send it, and once given the letter may be transmitted immediately and cannot be recalled.

6.2 Your decisions

The platform may present options, recommendations or suggested courses of action. These are tools to support your decision-making, not instructions. You are responsible for all decisions about your case, including which letters to send, when to send them, and whether to escalate.

6.3 Sending from your own email account

You may connect your own email account to the platform. If you do:

• you authorise the platform to send correspondence from that account, on your instruction, when you approve it;
• correspondence sent this way appears in your own sent items and any reply comes to you;
• we access your mailbox only to send correspondence you have approved and to identify replies relating to your case;
• we do not read, store or process messages unrelated to your case; and
• you may disconnect the account at any time through the platform, after which correspondence must be copied and sent by you.

Connecting an email account is optional. The platform works without it.

You remain responsible for the content of anything sent from your account, whether you send it yourself or approve it for sending through the platform.

6.4 Uploaded documents and recordings

Documents you upload are stored securely and processed to support your case. By uploading a document you confirm you have the right to share it and that it is accurate and unaltered.

You may also upload audio recordings, for example of a call with an institution. Recordings are transcribed automatically by the system and the transcript is used in the same way as any other document on your case.

Before uploading a recording you must satisfy yourself that you were entitled to make it and are entitled to share it with us. Recordings of calls commonly contain the personal data of other people, including the individual you spoke to. We process that data on the basis that you have provided it for the purposes of your own legal claim or challenge.

Do not upload any document or recording relating to another person unless you have their authority, or unless it forms part of the record of your own case.

6.5 Acceptable use

You must not:

• pursue a challenge you know to be without merit;
• provide information you know to be false, misleading or incomplete;
• use the service for any unlawful purpose;
• attempt to gain unauthorised access to any part of the platform, its servers or any data stored in it;
• upload content that is defamatory, fraudulent, malicious or otherwise objectionable, including malware;
• use the platform, its outputs or its methodology to provide services, advice or assistance to any other person, whether paid or unpaid;
• resell, sublicense or commercialise the platform or anything produced by it;
• scrape, crawl or systematically extract data from the platform; or
• use automated means to access the platform other than as we permit.

6.6 Abusive conduct

We will not tolerate abusive, offensive, threatening or discriminatory conduct towards our staff. Where it occurs we may suspend or terminate your account under Condition 10 without the opportunity to remedy.

7. Compensation Pursuance

7.1 What it is

Where the platform provides tools, documentation or template correspondence relating to compensation, this is provided exclusively as technical data rights enforcement support in connection with Article 82 of the UK GDPR and the Data Protection Act 2018.

7.2 Regulatory position

This does not constitute regulated claims management activity. What we provide is limited to:

• tools to help you evidence and document harm, loss or distress caused by the data processing in question;
• template correspondence for you to review, approve and send in your own name; and
• factual information on the procedural basis for pursuing a data protection remedy.

7.3 No representation, valuation or negotiation

We do not represent you, manage your claim, value your claim, or negotiate with any institution, regulator, the Financial Ombudsman Service or the courts in connection with compensation.

Correspondence is produced for your review and is sent only on your approval, in your own name and from your own address. Where it is transmitted by the platform from an email account you have connected, that is a technical means of sending your own correspondence at your direction. It does not make us your representative and it does not make us a party to any correspondence.

We express no view on the value of any claim you may have. If you want a claim valued or conducted, instruct a solicitor.

7.4 Fees

Your subscription fee is for access to the platform. Compensation Pursuance tools are provided as part of that access. We do not charge success fees and we do not take a percentage of any compensation you recover.

7.5 Acknowledgement

By accepting these terms you confirm that you have not been induced to subscribe by any representation that we would manage a compensation claim on your behalf or act as a claims management company.

8. Regulatory Referrals and Other Representation

8.1 Referrals are yours

The platform may produce correspondence for referral to the Financial Ombudsman Service, the Information Commissioner's Office or a fraud prevention agency.

Any such referral is made by you, in your own name and on your approval, whether you send it yourself or approve it for sending from an email account you have connected. We do not make referrals on your behalf and we are not a party to them.

8.2 No effect on your subscription

Referring a matter externally does not affect your subscription or your access to the platform, and we will not suspend or terminate your account for doing so.

8.3 Time limits

You are responsible for identifying and meeting any time limit that applies to a referral, including the six-month period for referring a complaint to the Financial Ombudsman Service following a final response.

8.4 Instructing a solicitor or other adviser

You may instruct a solicitor or another adviser at any time. Doing so does not affect your subscription and we will not suspend or terminate your account for it.

Where another party is acting on the same matter, we are not responsible for the consequences of conflicting approaches, and we do not review, adopt or coordinate with their work.

9. Intellectual Property

9.1 Our property

All content, features, functionality, software and design of the platform are owned by ADVICI LTD t/a ADVICIFAS. The strategic methodology, templates, prompts and analytical frameworks underlying the platform remain our property.

9.2 Your licence

You are granted a limited, personal, non-exclusive, non-transferable licence to access and use the platform, and to use correspondence generated through it, for the purposes of your own case. This licence continues after your subscription ends in respect of correspondence already generated.

9.3 What you may do with your correspondence

For the avoidance of doubt, you may:

• send correspondence generated through the platform to the institution or other intended recipient;
• provide it, and any analysis relating to your case, to the Financial Ombudsman Service, the Information Commissioner's Office, a fraud prevention agency, a court, a solicitor or another adviser you instruct;
• provide it to any person from whom you are seeking advice about your own case;
• retain copies for your own records; and
• refer to it in any complaint, referral or proceedings concerning your own case.

9.4 What you may not do

You must not publish, distribute or make available our templates, methodology or generated content for use by other people, whether commercially or otherwise. You must not use anything produced by the platform to assist, advise or act for any third party.

For the avoidance of doubt, describing your own experience of the service, including publicly, is not a breach of this Condition.

9.5 Enforcement

Where we reasonably believe you have breached Condition 9.4, we may suspend or terminate your subscription and pursue any remedy available to us for the unauthorised use of our work.

10. Suspension and Termination

10.1 Your right to cancel

You may cancel at any time under Condition 4.10.

10.2 Our right to suspend or terminate

We may suspend or terminate your account where you:

• materially breach these terms;
• provide inaccurate, falsified or dishonest information;
• act abusively, offensively or violently towards our staff;
• use the platform for an unlawful purpose;
• fail to maintain a valid payment method after repeated requests; or
• pose a risk to the security or integrity of the platform or other users' data.

10.3 Process

Except where the breach is serious enough to require immediate action, or where we are required to act immediately by law, we will tell you what the problem is and give you at least 7 days to put it right before we suspend or terminate.

Where we suspend or terminate, we will tell you why, unless we are prevented from doing so by law. You may challenge the decision by writing to [email protected], and a person not involved in the original decision will review it.

10.4 Refunds on termination

Where we terminate for material breach, fees already paid are not refunded.

Where we terminate for any other reason, or where a suspension is found on review to have been unjustified, we will refund the unused portion of the current billing period.

This does not affect your rights under Condition 12.

10.5 Your data on termination

Condition 4.11 applies, save that where we terminate for material breach we may delete your case data after 90 days' notice to you. You may export your case data at any time before deletion, and you may exercise your rights under Condition 11.6 at any time, including after termination.

10.6 Dormant accounts

If you have not logged in to the platform for six months, we may treat your account as dormant and suspend non-essential notifications. Your subscription and your data are unaffected and you can resume use at any time by logging in.

11. Data Protection

11.1 Controller

ADVICI LTD t/a ADVICIFAS is the controller for personal data processed through ADVICIFAS Pro. Contact our Data Protection Officer at [email protected].

11.2 What we collect

• Your name, email address, date of birth and postal address
• CIFAS report data and marker details
• Documents and audio recordings you upload, including institution responses and supporting evidence, and transcripts produced from recordings
• Correspondence generated and sent through the platform
• Device information, IP addresses and browser details, for security
• Payment information, processed by our payment provider
• Your interactions with the platform, including chat messages and feedback
• Where you connect an email account, the correspondence sent from it through the platform and replies relating to your case

Documents you upload may contain special category data, including health information, where that is relevant to your case. Where it does, we process it on the basis of your explicit consent, given by uploading it, and for the purpose of the legal claim or challenge it relates to. You may withdraw that consent at any time by deleting the document or contacting us, although this may limit what the platform can do for you.

11.3 Lawful bases

We process your personal data:

• to perform our contract with you: to operate the platform, generate correspondence, analyse documents and manage your subscription;
• for our legitimate interests: security, fraud prevention, service improvement and the establishment or defence of legal claims;
• to comply with a legal obligation; and
• on the basis of your consent, where we have asked for it.

11.4 Processors and transfers outside the UK

We use third-party processors to operate the platform. They are engaged for:

• hosting and storage of your case data and uploaded files;
• automated analysis of documents and generation of correspondence;
• payment processing;
• transactional email; and
• sending correspondence from an email account you have connected, where you use that feature.

Some of this processing takes place outside the United Kingdom, including in the United States. Your case data, including the content of documents and recordings you upload, is transmitted outside the UK for the purpose of generating analysis and correspondence.

Transfers outside the United Kingdom are made under the International Data Transfer Addendum to the EU Standard Contractual Clauses, together with a transfer risk assessment.

The categories of processor we use, and the safeguards applying to transfers outside the United Kingdom, are set out in our Privacy Policy. Where we add or change a processor in a way that materially affects the processing of your data, we will notify you at least 30 days in advance and you may cancel under Condition 4.10 if you object.

You may request further information about our processors and the transfer safeguards from our Data Protection Officer.

11.5 Retention

How long we keep each category of personal data, and the basis on which we keep it, is set out in our Privacy Policy. In summary, we retain case data and correspondence for as long as is necessary for the establishment, exercise or defence of legal claims, and account and billing records for as long as we are required to by law.

Condition 4.11 sets out what happens to your case data if you cancel.

11.6 Your rights

You have the right to be informed, to access, to rectification, to erasure, to restriction of processing, to object to processing, to data portability, and rights in relation to automated decision-making.

You may exercise any of these by contacting [email protected]. We will respond within one month. There is no charge.

Where you ask us to erase your personal data, we will do so unless we are required or entitled to retain it, for example for the establishment or defence of legal claims or to comply with a legal obligation. Where we retain anything, we will tell you what and why.

You have the right to complain to the Information Commissioner's Office at ico.org.uk, whether or not you have complained to us first.

11.7 Security

We use encryption in transit and at rest, access controls and security monitoring. Full details are in our Privacy Policy.

11.8 Personal data breaches

Where a personal data breach is likely to result in a high risk to your rights and freedoms, we will tell you without undue delay and explain what has happened, what we are doing about it, and what you can do.

12. Your Statutory Rights

12.1 Nothing in these terms limits or excludes any right you have under applicable law that cannot lawfully be limited or excluded, including under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

12.2 Digital content and services supplied under these terms must be of satisfactory quality, fit for purpose and as described. If they are not, you have rights to repair or replacement and, where that is not possible or does not resolve the problem, to a price reduction.

12.3 The statutory duty of reasonable care and skill applies to the service we provide. That duty is assessed by reference to the operation of the platform and the content it produces, and not by reference to the outcome of any challenge. The failure to achieve removal of a marker does not of itself constitute a breach of that duty.

12.4 If we supply digital content that damages your device or other digital content, and this was caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

13. Liability

13.1 We are not liable for the outcome of your challenge, including the decision of any institution, the Financial Ombudsman Service, the Information Commissioner's Office, any fraud prevention agency, or any court or tribunal.

13.2 Once you have reviewed and approved correspondence generated by the platform, you accept responsibility for its content and for any consequence arising from it, whether you send it yourself or approve it for sending from an email account you have connected.

13.3 We will use reasonable endeavours to keep the platform available but do not guarantee uninterrupted or error-free access. The platform may be unavailable due to maintenance, updates or circumstances beyond our reasonable control.

13.4 Subject to Condition 13.5, our total liability for any claim arising from or in connection with ADVICIFAS Pro shall not exceed the greater of the total fees paid by you in the 12 months preceding the claim, or £100.

We are not liable for loss of profit, loss of business, loss of opportunity, or any indirect or consequential loss. We are not liable for any loss that was not foreseeable at the time the contract was made.

13.5 Nothing in these terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• breach of the terms implied by sections 34 to 36 of the Consumer Rights Act 2015;
• any matter for which it would be unlawful to exclude or limit liability.

14. Complaints

14.1 If you are unhappy with the service, tell us at [email protected] or write to the registered office. We will acknowledge within 5 working days and respond substantively within 8 weeks.

14.2 Our complaints procedure is available on request and on our website.

14.3 We are not covered by the Financial Ombudsman Service in respect of this platform, and we are not a member of an alternative dispute resolution scheme. If we cannot resolve your complaint, you may pursue the matter through the courts.

14.4 You may complain to the Information Commissioner's Office about any matter concerning your personal data, whether or not you have complained to us first.

15. General

15.1 Changes to these terms. We may update these terms. Where a change materially affects your use of the platform or your rights, we will give you at least 30 days' notice by email. If you do not accept a material change, you may cancel before it takes effect and receive a pro-rata refund of any period paid for and not used. Continued use after that date constitutes acceptance.

15.2 Notices. Notices to us go to [email protected] or the registered office. Notices to you go to the email address on your account. Email notices are treated as received on the day sent, unless sent after 5pm on a working day or on a non-working day, in which case on the next working day. You must keep your contact details up to date.

15.3 Force majeure. We are not liable for failure to perform caused by events beyond our reasonable control, including failure of third-party infrastructure, internet or payment systems. If such an event continues for more than 30 days, either of us may cancel and we will refund any period paid for and not used.

15.4 Assignment. You may not transfer your rights under these terms. We may transfer ours on notice to you, provided your rights under these terms are not reduced.

15.5 Third parties. No person other than you and us has any right to enforce these terms under the Contracts (Rights of Third Parties) Act 1999.

15.6 Survival. Conditions 9, 11, 12, 13 and 15 survive termination.

15.7 Severability. If any condition is found invalid or unenforceable, the remainder continues in force.

15.8 No waiver. If we do not insist that you perform any obligation, or delay in enforcing any right, that does not mean we have waived it.

15.9 Entire agreement. These Terms of Service and our Privacy Policy form the entire agreement between you and us in relation to ADVICIFAS Pro. This does not exclude liability for any statement made fraudulently.

15.10 Language. These terms are made in English and all communications between us will be in English.

15.11 Governing law. English law applies. The courts of England and Wales have jurisdiction, except where you are resident in Scotland (courts of Scotland) or Northern Ireland (courts of Northern Ireland).

15.12 Contact. [email protected], or ADVICIFAS, 124 City Road, London, EC1V 2NX.

Effective from 13 June 2026

These Terms of Service govern your use of ADVICIFAS Pro Kit. By creating an account and subscribing, you agree to be bound by them. Please read them carefully and keep a copy.

ADVICI LTD t/a ADVICIFAS. Registered in England and Wales, company number 14713745. Registered office: 124 City Road, London, EC1V 2NX.

We are not regulated by the Solicitors Regulation Authority, the Financial Conduct Authority, or the Prudential Regulation Authority. We are not a member of the Financial Services Compensation Scheme.

Summary of Key Terms

This summary is for information. It does not form part of the contract and the full conditions below prevail.

Definitions

These meanings apply throughout this document.

A reference to a Condition is a reference to a numbered clause of this document. Headings are for navigation and do not affect meaning. Words in the singular include the plural and the other way round.

1. About ADVICIFAS Pro Kit

1.1 What Pro Kit is

ADVICIFAS Pro Kit is an information directory of banking and financial products that may be available to you while a CIFAS marker or other adverse record is in place. Pro Kit provides information only.

1.2 What Pro Kit is not

Pro Kit does not constitute financial advice and is not a regulated activity. We do not advise you to take any product, we do not assess your eligibility or your circumstances, and we do not introduce you to providers.

Where the directory ranks providers against answers you give, that ranking compares product features to the needs you stated. Condition 1.10 explains what it does and does not mean.

Inclusion of a provider in the directory is not an endorsement, a guarantee of acceptance, or an assurance that the provider will offer you anything.

1.3 No guarantee of acceptance

Whether any institution accepts your application is entirely at that institution's discretion. We are not a party to any relationship between you and any provider listed, and accept no liability for the outcome of any application.

1.4 How the directory is compiled

Providers are drawn from official regulatory registers:

• the Financial Conduct Authority register of electronic money institutions;
• the Financial Conduct Authority register of authorised payment institutions;
• the Financial Conduct Authority mutuals register, covering credit unions and building societies;
• the Bank of England list of PRA-regulated insurers; and
• the Ofcom list of mobile network operators and providers.

Each firm is resolved against Companies House by company number where possible, and cross-referenced against the published CIFAS membership list.

Every listing is then checked against the provider's live website to confirm the firm is still trading and the site is genuine. Listings that fail that check are deactivated.

The directory is refreshed weekly. The CIFAS membership list is refetched at the same time, and any provider that has become a CIFAS member is removed automatically.

1.5 What the CIFAS stance label means

Each listing carries a stance label derived from CIFAS membership:

• Not a CIFAS member. The firm does not appear on the published CIFAS membership list and is therefore not able to search the CIFAS databases. A marker recorded against you is not visible to that firm through CIFAS.
• CIFAS member, case by case. The firm appears on the published CIFAS membership list, by company number or exact name match, and is able to see a marker recorded against you.

This label describes CIFAS membership only. It does not describe whether the firm will accept your application, and it is not a prediction about you.

1.6 Limits of what we can tell you

We do not know, and do not state, any provider's acceptance rate. A provider that cannot see your CIFAS marker may still decline your application for reasons unconnected to it, including credit history, affordability, identity verification, residency, or its own commercial criteria.

We rely on the accuracy and currency of the registers and the CIFAS membership list. Those are maintained by third parties and may be incomplete or out of date at any moment. A firm may join CIFAS between our weekly refreshes.

We do not warrant that any information in the directory is current, complete or accurate at the moment you access it. You should check directly with the provider before applying.

1.7 Commercial relationships

We receive no payment, commission, referral fee or other benefit from any provider listed in the directory.

No provider pays to be listed, and no provider can pay to be listed. Inclusion is determined solely by the regulatory registers and the CIFAS cross-reference described at Condition 1.4. Position and prominence within the directory are not influenced by any commercial relationship.

If this ever changes, we will disclose it clearly on the affected listing and notify subscribers in advance under Condition 14.1.

1.8 Eligibility

To use ADVICIFAS Pro Kit you must be at least 18 years of age and permanently resident in the United Kingdom, excluding the Channel Islands and the Isle of Man.

We may ask you to confirm or evidence your age, residence or identity at any time.

1.9 Capacity

By subscribing you confirm that you have the legal capacity to enter into this contract.

1.10 Personalised recommendations

You can answer a short set of questions about what you are looking for. The directory then ranks providers by how well their features match your answers.

This is a filter on the same directory. It works by comparing the features of each product against the needs you have told us about. It does not assess you, your finances, your credit position or your eligibility for anything, and we do not see or use any information about you beyond the answers you give.

A high ranking means a product's features match what you asked for. It is not a recommendation to apply, an opinion that a product is suitable for you, or a statement that you will be accepted.

Condition 1.2 applies in full: this is information, not financial advice. Always check directly with a provider before applying.

Your answers are personal data. We use them to produce your ranking and to improve the directory. Condition 9 sets out your rights over them.

2. Automated Content

2.1 How listing content is produced

The descriptions and summaries shown against each provider are produced by the system. They are generated automatically from the register data, the provider's own published material and the checks described at Condition 1.4, and are not written or reviewed by a person before they are published, unless we tell you otherwise.

2.2 Generated content can be wrong

Content produced by the system can contain errors, including out-of-date product details, incorrect eligibility criteria and inaccurate summaries of a provider's terms. It may also omit matters relevant to you.

Do not rely on a description in the directory as a statement of a provider's current terms. Check with the provider before applying.

2.3 Telling us about a mistake

If you find something in the directory that is wrong, tell us at [email protected] and we will check it and correct it if it is.

3. Your Account

3.1 Account security

You are responsible for keeping your account credentials confidential. You must not share your password, one-time codes or authentication details with any third party. You are responsible for activity carried out through your account and must tell us immediately if you suspect unauthorised access.

3.2 Accurate information

You must provide accurate, honest and truthful information at all times. Inaccurate, falsified or otherwise untrue information may result in suspension or termination under Condition 8.

3.3 Devices and sessions

You can see the devices signed in to your account and sign any of them out from within the platform. You should do this if you lose a device or suspect unauthorised access.

We may limit the number of devices signed in at once, and may end a session for security reasons. Where we do, you can sign in again.

3.4 Your Membership ID

Each subscription has its own Membership ID. You can find yours in your account, and you should quote it whenever you contact us about billing or a refund.

3.5 One account per product, and holding both products

Each subscription is personal to you and for your own use. You may not hold more than one ADVICIFAS Pro Kit subscription.

You may hold an ADVICIFAS Pro subscription on the same email address. If you do, the two are separate subscriptions governed by separate terms:

• each has its own Membership ID;
• each is billed separately, on its own date, with its own payment method;
• cancelling one does not cancel the other; and
• where a reactivation fee applies, it applies per subscription.

Suspension or termination of one subscription does not of itself affect the other, unless the reason for it applies to both.

3.6 If you die

If you die, your personal representatives may contact us at [email protected] with evidence of their authority. We will cancel the subscription with effect from the date we are notified and refund any part of the current billing period not yet used.

4. Subscription, Billing and Cancellation

4.1 What the fee is for

Your subscription fee buys access to the directory for the period you have paid for. It is not a fee for an outcome.

You are paying to use the directory, not for any provider to accept your application. The fee is earned by our making the platform available to you, and it remains payable whether or not any application succeeds.

4.2 Fees

ADVICIFAS Pro Kit is charged at the monthly subscription fee displayed at the time of purchase. Fees are collected by our payment processor and are due on the same date each month.

4.3 Payment methods

We accept card payments, Apple Pay and Google Pay. You must maintain a valid payment method on your account. If a payment fails we will attempt to collect it again. Repeated failures may result in suspension.

4.4 Introductory discounts

We may from time to time offer a discount on a first payment. Any such discount:

• is offered at our discretion and may be withdrawn or changed at any time before you subscribe;
• applies to the first payment only; and
• does not apply to any later payment, so your subscription renews at the standard fee then in force.

We will tell you the discounted amount and the standard fee before you pay. Withdrawing or changing a discount does not affect anyone who has already subscribed on it.

4.5 Price changes

We may change our subscription fees. Any change will be notified to you at least 30 days in advance and will not apply to a billing period already paid for. If you do not accept a change you may cancel before it takes effect.

4.6 Immediate supply and loss of the right to cancel

Access to the directory begins as soon as your first payment is taken.

By subscribing you expressly request that we begin supplying the service immediately, and you acknowledge that you will lose your statutory right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 once supply has begun.

We record the date and time you gave that consent, together with the device and connection you gave it from.

4.7 What this means

There is no 14-day cooling-off period. Once you have subscribed, the subscription fee for the current period is not refundable, and Condition 4.10 applies to cancellation.

This does not affect your rights under Condition 11 where the service is not of satisfactory quality, not fit for purpose, or not as described.

4.8 Payments taken in error

If we take a payment we should not have, including a duplicate charge, a charge after you cancelled, or a charge for an amount other than the one displayed to you, email [email protected] quoting your Membership ID.

We will refund it within 14 days of agreeing that the payment was taken in error, by the same method you paid, unless that is not possible. There is no need to make a complaint for this.

4.9 Refund requests

Where you ask us for a refund in any other circumstance, email [email protected] quoting your Membership ID and telling us what you are asking for and why.

We will respond within 14 working days, either refunding the amount or explaining why we do not agree to the request. Where we need further information from you, the 14 working days runs from the date we receive it.

Once we have responded to a refund request, we will not review a further request on the same grounds unless something has changed. A repeated request on the same grounds may be treated as a duplicate and not responded to.

A refund request made solely on the grounds that you are dissatisfied will be treated as a complaint and handled under Condition 13. Tell us at [email protected], so it reaches the right place first time.

Nothing in this Condition affects your rights under Condition 11.

4.10 Cancelling your subscription generally

You may cancel at any time through the platform. Cancellation takes effect at the end of the current billing period and you keep access until then.

Subscription fees already paid are not refunded and no partial refund is issued for unused time within a billing period. This does not affect your rights under Condition 11.

4.11 Your data after cancellation

We do not delete your account data when you cancel. There is no automatic deletion and no expiry period. If you resubscribe, your account is restored as it was.

This is how we operate the service and we intend to continue operating it this way. It is not a guarantee that your data will be retained indefinitely. We may change our retention practice, and if we do we will give you at least 60 days' notice before anything is deleted. We may also be required to delete data by law or by a court.

Nothing in this Condition affects your right to ask us to delete your personal data under Condition 9.6. Where you ask us to, we will delete it.

4.12 Reactivation

You can resubscribe at any time. Where a reactivation fee applies, it will be displayed to you before you pay it, and we will not charge a reactivation fee that has not been displayed in advance.

No reactivation fee applies where your subscription ended because we suspended or terminated it and that decision was later reversed, or where your subscription lapsed because of a payment failure you resolve within 30 days.

4.13 Payment disputes

If you have a problem with any payment, however you paid, tell us first at [email protected]. We will deal with it under Condition 13 and we will resolve it with you directly wherever we can.

Where a card chargeback is raised, your subscription may be paused while the payment is in dispute, because the payment for the current period is no longer held by us. If the chargeback is resolved in our favour, we may recover the amount and any fee charged to us, and your subscription resumes.

Nothing in this Condition affects your right to raise a dispute with your card issuer.

5. What We Will Provide

5.1 Core functions

For as long as your subscription is active, we will provide access to the directory, including the ability to browse and search listings and to view the information held about each provider.

5.2 Changes to features

We may add, modify or remove individual features and may add or remove providers from the directory at any time. We will not remove access to the directory itself during a billing period you have already paid for.

Where we materially reduce the functionality of the service, we will give you at least 30 days' notice and you may cancel with a pro-rata refund of any period paid for and not yet used.

5.3 If we withdraw the service

If we decide to discontinue ADVICIFAS Pro Kit, we will give you at least 60 days' notice. During that period you will retain full access and you will not be charged for any billing period beginning after the notice. We will refund any period paid for that extends beyond the closure date.

5.4 Support

We provide support by email at [email protected]. We aim to respond within 2 working days. This is a target, not a contractual commitment.

5.5 If the platform is unavailable

We do not guarantee a level of availability. Short interruptions for maintenance, updates or technical problems are a normal part of operating the platform and do not entitle you to anything.

If the platform is materially unavailable to you for more than 72 consecutive hours, we will extend your subscription by the length of the outage. The extension is applied automatically to your next renewal date and you do not need to ask for it.

An outage caused by something at your end, including your device, your internet connection, or your own account being suspended, is not covered by this Condition.

Extending the subscription is the only remedy under this Condition. We do not offer a credit or a refund for unavailability, and this Condition does not affect your rights under Condition 9.

6. Your Use of Pro Kit

6.1 Information only

The directory is for your own personal use as an informational resource. You are responsible for your own decisions about which providers to approach and which products to apply for.

6.2 Acceptable use

You must not:

• use the service for any unlawful purpose;
• attempt to gain unauthorised access to any part of the platform, its servers or any data stored in it;
• reproduce, distribute or commercialise the directory or its contents;
• use the directory to provide services, advice or assistance to any other person, whether paid or unpaid;
• scrape, crawl or systematically extract data from the directory;
• use automated means to access the directory other than as we permit; or
• submit a report about an outcome in breach of Condition 7.4.

6.3 Abusive conduct

We will not tolerate abusive, offensive, threatening or discriminatory conduct towards our staff. Where it occurs we may suspend or terminate your account under Condition 10 without the opportunity to remedy.

7. Reporting an Outcome and Community Data

7.1 What this feature is

You can tell us the outcome of an application you made to a provider in the directory: whether you were accepted or declined, and optionally a note about your experience.

Reporting an outcome is entirely optional. The directory works without it and nothing in your subscription depends on it.

7.2 What is shared with other subscribers

Where enough outcomes have been reported for a provider, we show other subscribers the total number of accepted and declined reports for that provider.

We do not share:

• your name, email address, Membership ID or any other identifying detail;
• the note you write, which is visible only to us; or
• anything that would allow another subscriber to work out who reported what.

Only the counts are published. They are aggregated across everyone who has reported on that provider.

7.3 What the counts mean and do not mean

The counts are reports from other people. They are not verified by us and they are not supplied by the provider.

They are not an acceptance rate, not a sample of any statistical value, and not a prediction about your application. A provider with a high number of accepted reports may still decline you, and one with declined reports may accept you.

Where a listing indicates that a provider is likely to accept applicants with a marker, that indication may take account of reported outcomes alongside the provider's published material. It remains an indication only, and Condition 1.6 applies to it in full.

7.4 What you must not submit

When you report an outcome you must not:

• report an outcome that did not happen, or misstate what happened;
• report on a provider you did not apply to;
• submit anything defamatory, abusive, discriminatory or unlawful;
• include another person's personal data; or
• submit reports designed to distort the counts for or against any provider.

7.5 What we may do with reports

You keep ownership of anything you write. By submitting a report you grant us a non-exclusive, royalty-free licence to use it to operate and improve the directory, including publishing the aggregate counts described at Condition 7.2.

We may edit, decline to publish, or remove any report, and we may exclude a report from the counts, where we reasonably believe Condition 7.4 has been breached or the report is unreliable. We are not obliged to monitor or verify reports.

Repeated breach of Condition 7.4 may result in suspension or termination under Condition 10.

7.6 Withdrawing a report

You can change or withdraw a report at any time by resubmitting it or by contacting [email protected]. Where you withdraw one, it is removed from the counts.

Withdrawing a report does not affect counts already displayed to another subscriber before the withdrawal, and does not require us to recalculate anything shown historically.

7.7 Suggesting a provider

You can suggest a provider you think should be in the directory. You submit the name, the website and the category.

A suggestion is not a request we are obliged to act on. We will consider it and, where it passes the checks described at Condition 1.4, we may add it. We give no commitment that any suggestion will be added, and no timescale for considering one.

You must not suggest a provider on behalf of that provider, or in return for any payment or benefit from them. If you have any connection to a provider you suggest, tell us when you suggest it.

Condition 7.4 applies to suggestions as it applies to reports.

8. Intellectual Property

8.1 All content, features, functionality, software and design of the platform are owned by ADVICI LTD t/a ADVICIFAS.

The directory is a database compiled by us. The selection and arrangement of its contents, the listing descriptions, the stance labels, and the aggregate counts derived from reported outcomes are ours, and are protected by copyright and database right. This is so whether or not any individual item of underlying information is publicly available elsewhere.

Nothing in this Condition affects your ownership of anything you write in a report under Condition 7.5.

8.2 You are granted a limited, personal, non-exclusive, non-transferable licence to access and use the directory for your own personal use.

8.3 You must not reproduce, distribute, publish or make available to any third party any content from the directory without our prior written consent.

8.4 For the avoidance of doubt, describing your own experience of the service, including publicly, is not a breach of this Condition.

9. Data Protection

9.1 Controller

ADVICI LTD t/a ADVICIFAS is the controller for personal data processed through ADVICIFAS Pro Kit. Contact our Data Protection Officer at [email protected].

9.2 What we collect

• Your name, email address, date of birth and postal address
• Your interactions with the directory, including searches and providers viewed
• The answers you give about what you are looking for, used to rank providers under Condition 1.10
• Device information, IP addresses and browser details, for security
• Payment information, processed by our payment provider
• Any outcome you report to us about an application, including any note you write. Notes are visible only to us. Aggregate counts of accepted and declined reports are shown to other subscribers, without anything identifying you; see Condition 7.2

9.3 Lawful bases

We process your personal data:

• to perform our contract with you: to operate the platform and provide access to the directory;
• for our legitimate interests: security, fraud prevention and service improvement;
• to comply with a legal obligation; and
• on the basis of your consent, where we have asked for it.

9.4 Processors and transfers outside the UK

We use third-party processors to operate the service. They are engaged for hosting and storage, payment processing, and transactional email.

Some of this processing takes place outside the United Kingdom, including in the United States. Transfers outside the United Kingdom are made under the International Data Transfer Addendum to the EU Standard Contractual Clauses, together with a transfer risk assessment.

The categories of processor we use, and the safeguards applying to transfers outside the United Kingdom, are set out in our Privacy Policy. Where we add or change a processor in a way that materially affects the processing of your data, we will notify you at least 30 days in advance and you may cancel under Condition 4.10 if you object.

You may request further information about our processors and the transfer safeguards from our Data Protection Officer.

9.5 Retention

How long we keep each category of personal data, and the basis on which we keep it, is set out in our Privacy Policy. In summary, we retain account and billing records for as long as we are required to by law, and other account data for as long as is necessary for the purposes described above.

Condition 4.11 sets out what happens to your account data if you cancel.

9.6 Your rights

You have the right to be informed, to access, to rectification, to erasure, to restriction of processing, to object to processing, to data portability, and rights in relation to automated decision-making.

You may exercise any of these by contacting [email protected]. We will respond within one month. There is no charge.

Where you ask us to erase your personal data, we will do so unless we are required or entitled to retain it, for example to comply with a legal obligation. Where we retain anything, we will tell you what and why.

You have the right to complain to the Information Commissioner's Office at ico.org.uk, whether or not you have complained to us first.

9.7 Security

We use encryption in transit and at rest, access controls and security monitoring. Full details are in our Privacy Policy.

9.8 Personal data breaches

Where a personal data breach is likely to result in a high risk to your rights and freedoms, we will tell you without undue delay and explain what has happened, what we are doing about it, and what you can do.

10. Suspension and Termination

10.1 Your right to cancel

You may cancel at any time under Condition 4.10.

10.2 Our right to suspend or terminate

We may suspend or terminate your account where you:

• materially breach these terms;
• provide inaccurate, falsified or dishonest information;
• act abusively, offensively or violently towards our staff;
• use the service for an unlawful purpose;
• fail to maintain a valid payment method after repeated requests; or
• pose a risk to the security or integrity of the platform or other users' data.

10.3 Process

Except where the breach is serious enough to require immediate action, or where we are required to act immediately by law, we will tell you what the problem is and give you at least 7 days to put it right before we suspend or terminate.

Where we suspend or terminate, we will tell you why, unless we are prevented from doing so by law. You may challenge the decision by writing to [email protected], and a person not involved in the original decision will review it.

10.4 Refunds on termination

Where we terminate for material breach, fees already paid are not refunded.

Where we terminate for any other reason, or where a suspension is found on review to have been unjustified, we will refund the unused portion of the current billing period.

This does not affect your rights under Condition 11.

10.5 Dormant accounts

If you have not logged in for six months, we may treat your account as dormant and suspend non-essential notifications. Your subscription and your data are unaffected and you can resume use at any time by logging in.

11. Your Statutory Rights

11.1 Nothing in these terms limits or excludes any right you have under applicable law that cannot lawfully be limited or excluded, including under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

11.2 Digital content and services supplied under these terms must be of satisfactory quality, fit for purpose and as described. If they are not, you have rights to repair or replacement and, where that is not possible or does not resolve the problem, to a price reduction.

11.3 If we supply digital content that damages your device or other digital content, and this was caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

12. Liability

12.1 We are not liable for the outcome of any application you make to any provider.

12.2 Subject to Condition 12.5, we are not liable for the accuracy of information about any provider, including eligibility criteria, product terms or the stance labels described at Condition 1.5, save where we have failed to use reasonable care and skill.

12.3 We will use reasonable endeavours to keep the platform available but do not guarantee uninterrupted or error-free access. The platform may be unavailable due to maintenance, updates or circumstances beyond our reasonable control.

12.4 Subject to Condition 12.5, our total liability for any claim arising from or in connection with ADVICIFAS Pro Kit shall not exceed the greater of the total fees paid by you in the 12 months preceding the claim, or £100.

We are not liable for loss of profit, loss of business, loss of opportunity, or any indirect or consequential loss. We are not liable for any loss that was not foreseeable at the time the contract was made.

12.5 Nothing in these terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• breach of the terms implied by sections 34 to 36 of the Consumer Rights Act 2015;
• any matter for which it would be unlawful to exclude or limit liability.

13. Complaints

13.1 If you are unhappy with the service, tell us at [email protected] or write to the registered office. We will acknowledge within 5 working days and respond substantively within 8 weeks.

13.2 Our complaints procedure is available on request and on our website.

13.3 We are not covered by the Financial Ombudsman Service in respect of this service, and we are not a member of an alternative dispute resolution scheme. If we cannot resolve your complaint, you may pursue the matter through the courts.

13.4 You may complain to the Information Commissioner's Office about any matter concerning your personal data, whether or not you have complained to us first.

13.5 Complaints about a provider listed in the directory should be made to that provider. We are not a party to your relationship with them and cannot resolve a complaint about their conduct or their products.

14. General

14.1 Changes to these terms. We may update these terms. Where a change materially affects your use of the service or your rights, we will give you at least 30 days' notice by email. If you do not accept a material change, you may cancel before it takes effect and receive a pro-rata refund of any period paid for and not used. Continued use after that date constitutes acceptance.

14.2 Notices. Notices to us go to [email protected] or the registered office. Notices to you go to the email address on your account. Email notices are treated as received on the day sent, unless sent after 5pm on a working day or on a non-working day, in which case on the next working day. You must keep your contact details up to date.

14.3 Force majeure. We are not liable for failure to perform caused by events beyond our reasonable control, including failure of third-party infrastructure, internet or payment systems. If such an event continues for more than 30 days, either of us may cancel and we will refund any period paid for and not used.

14.4 Assignment. You may not transfer your rights under these terms. We may transfer ours on notice to you, provided your rights under these terms are not reduced.

14.5 Third parties. No person other than you and us has any right to enforce these terms under the Contracts (Rights of Third Parties) Act 1999.

14.6 Survival. Conditions 7, 8, 9, 11, 12 and 14 survive termination.

14.7 Severability. If any condition is found invalid or unenforceable, the remainder continues in force.

14.8 No waiver. If we do not insist that you perform any obligation, or delay in enforcing any right, that does not mean we have waived it.

14.9 Entire agreement. These Terms of Service and our Privacy Policy form the entire agreement between you and us in relation to ADVICIFAS Pro Kit. This does not exclude liability for any statement made fraudulently.

14.10 Language. These terms are made in English and all communications between us will be in English.

14.11 Governing law. English law applies. The courts of England and Wales have jurisdiction, except where you are resident in Scotland (courts of Scotland) or Northern Ireland (courts of Northern Ireland).

14.12 Contact. [email protected], or ADVICIFAS, 124 City Road, London, EC1V 2NX.