Terms of Business

Aspiro Financial Ltd is an appointed representative of Rosemount Financial Solutions (IFA) Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Rosemount Financial Solutions (IFA) Ltd is entered on the Financial Services Register under reference 535515.

Aspiro Financial Ltd is based at High Weald House, Glovers End, Bexhill-On-Sea, East Sussex, United Kingdom, TN39 5ES.

The information on this website is subject to the UK regulatory regime and is intended for consumers in the UK.

These terms explain how this website may be used and provide general information about the mortgage, protection and insurance services available through Aspiro Financial.

These terms are a public website summary. They do not replace any personalised disclosure, illustration, recommendation, policy document or other paperwork provided to you as part of our advice process.

If you do not agree with these terms, you should stop using this website.

The content on this website is provided for general information only. It is not personal financial advice and should not be treated as a recommendation to take out, change or cancel any mortgage, protection policy or insurance product.

Any recommendation we make will be based on your personal circumstances, objectives and needs after we have gathered the relevant information from you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We may provide mortgage advice and arrange mortgage applications following an assessment of your personal needs and circumstances, including affordability.

We may also advise on and arrange non-investment protection contracts such as life cover, critical illness cover and income protection, and may arrange general insurance products based on your demands and needs.

Where appropriate, we will explain the scope of the service being provided, the products and providers considered, and any limitations that apply before you proceed.

For mortgage advice, we will consider the products and lenders that we have access to. This means we will not consider lenders that are only available by you going direct to them.

For protection and general insurance, we will explain the basis of our recommendation and the providers considered where relevant.

Some products or services may not be available to all customers and eligibility will depend on your circumstances and the criteria of the lender, provider or insurer.

Fees for mortgage advice, mortgage arrangement or other services may vary depending on the type of work involved, your circumstances and the service being provided.

Where a fee applies, we will explain the amount, when it is payable, and whether any refund terms apply before you agree to proceed.

We may also receive commission from a lender, provider or insurer. Where this applies, the amount will be confirmed in the relevant illustration, disclosure document or recommendation paperwork.

You may request information about commission rates from the lenders or providers considered at the time we make a recommendation to you.

Not all mortgage or finance business is regulated by the FCA. Most buy-to-let mortgages and commercial loans are not regulated by the Financial Conduct Authority and may not be covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

We will explain where a product or service is not regulated before you proceed, where this is relevant to your circumstances.

Any advice we provide depends on the accuracy and completeness of the information you give us. You must ensure the information you provide is true, accurate, complete and up to date.

If you provide incomplete, inaccurate or misleading information, this may affect the suitability of our advice, the outcome of any application, and whether a policy will pay out in the event of a claim.

You should tell us promptly if your circumstances change during the advice or application process.

We are required by anti-money laundering regulations to verify the identity of our clients, understand the purpose and nature of the business we conduct on their behalf, and keep the information we hold up to date.

We may use electronic identity verification systems and may carry out checks throughout our relationship, not just at the beginning.

We have a duty to report suspected fraud or financial crime to the relevant authorities. You must not provide documents or information that are falsified, misleading or misrepresent your circumstances.

Certain protection and insurance contracts may give you a right to cancel after the contract has been put in force. Where this applies, the provider or insurer will give you details of the cancellation period, how to cancel and any consequences of cancelling.

Mortgage applications and related services may have different cancellation or withdrawal consequences depending on the stage reached and the lender or provider involved.

We are not permitted to handle client money. You should not send cash to us or make cheques payable to us unless we have specifically issued an invoice for a fee or charge that is payable to us.

We do not provide legal, tax or accountancy advice. If your circumstances require legal, tax or accountancy input, you should seek advice from a suitably qualified professional.

This may be particularly important where your circumstances are more complex, for example involving company structures, property ownership, inheritance tax, commercial finance or specialist lending.

We aim to keep this website available and up to date, but we do not guarantee that it will always be available, uninterrupted, secure or free from errors.

We may update, suspend, withdraw or restrict access to any part of this website at any time without notice.

You are responsible for making sure your own device, browser and internet connection are suitable for accessing this website.

This website may contain links to external websites or third-party resources. These links are provided for convenience only.

We are not responsible for the content, accuracy, security or availability of external websites, and linking to them does not mean we endorse them.

The content, branding, layout and materials on this website are owned by or licensed to Aspiro Financial unless otherwise stated.

You may view and print pages from this website for your own personal use, but you must not copy, reproduce, modify, distribute or use website content for commercial purposes without our prior written permission.

We process personal information in accordance with our Privacy Policy. You should read our Privacy Policy to understand how personal data is collected, used, shared and protected.

This website may use cookies or similar technologies. Where required, you will be given information about the cookies used and any choices available to you.

If you wish to register a complaint, please write to Complaints Officer, Rosemount Financial Solutions (IFA) Ltd, Rosemount House, 2-4 Chequers Road, Basingstoke, RG21 7PU. Telephone 01256 405460 or e-mail complaints@rosemountfsIFA.co.uk.

A summary of our internal complaints handling procedures is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).

Further information about eligibility, product types, amounts and limits is available from the FSCS at www.fscs.org.uk.

We may update these terms from time to time. The version displayed on this website will be the current website version.

If you are already receiving advice or services from us, separate documents provided to you may also apply and should be read alongside these terms.

These terms are governed by English law and the parties submit to the exclusive jurisdiction of the English courts.