Hill-Duckworth make information, images and products available on this web site, subject to the following terms and conditions. By accessing this site, you agree to these terms and conditions. The right to change these terms and conditions, and the products, services, and prices mentioned in this site at any time, with sole discretion, without notice is reserved by Hill-Duckworth. Hill-Duckworth reserve the right to seek all remedies available by law and in equity for any violation of these terms and conditions. Any rights not expressly granted herein are reserved.

Copyright

The site design, graphics, code, page scripts and alert system on this web site are protected by copyright. They may NOT be distributed or reproduced by any means, or in any form, without Hill~Duckworth's prior written permission.

COPYRIGHT NOTICE:
© Hill~Duckworth
All rights reserved.

Use of Web Site Images & Information

Except as otherwise indicated on this site, you may view, print, copy, and distribute documents on this site subject to the following terms and conditions: The document may be used solely for informational, personal, non-commercial purposes; Any copy of the document or portion thereof must include all copyright and proprietary notices in the same form and manner as on the original; The document may not be modified in any way; and Hill~Duckworth reserve the right to revoke such authorisation at any time, and any such use shall be discontinued immediately upon notice from Hill~Duckworth. Documents specified above include the layout and design, code and page scripts of this web site.  Documents specified above also include logos, graphics, sounds and images on this web site, and again they may be reproduced or distributed only when expressly permitted by Hill~Duckworth.

Warranties and Disclaimers;
Liability Limitations

Whilst HD Rhodes takes all reasonable steps to ensure the accuracy and timeliness of the information contained on this website, we cannot guarantee this and accept no liability for any errors or omissions.

Any details provided on this website, are for information purposes only. Full advice and recommendation can only be obtained by contacting one of our advisers at 134 Yorkshire Street, Rochdale.

Submissions

You grant Hill~Duckworth and their agents an unrestricted, irrevocable license to display, use, modify, perform, reproduce, transmit, and distribute any information you submit, for any and all commercial and non-commercial purposes. You also agree that Hill~Duckworth and their agents are free to use any ideas, concepts, or techniques that you send Hill~Duckworth and their agents for any purpose, including, but not limited to, developing, manufacturing, and marketing products that incorporate such ideas, concepts, or techniques. Hill~Duckworth and their agents may, but are not obligated to, review or monitor areas on the site where users may transmit or post communications. Hill~Duckworth and their agents are not responsible for the accuracy of any information, data, opinions, advice, or statements transmitted or posted. You are prohibited from posting or transmitting to or from this web site any libellous, obscene, defamatory, pornographic, or other materials that would violate any laws. However, if such communications do occur, Hill~Duckworth and their agents will have no liability related to the content of any such communications.

Privacy

All personal details you submit to this website will remain private except where it is necessary to provide them to a third party for the purposes of making a mortgage application.

You are entitled under the Data Protection Act to see a record of all personal information we hold on you.

Mortgage Terms of Business

HD Rhodes is not an appointed agent of any lender for mortgage business, and therefore is able to arrange mortgages from the whole market place. HD Rhodes subscribes to the Mortgage Code.

The Mortgage Code came into effect for intermediaries on 30th April 1998 and is a voluntary Code to which HD Rhodes adheres to and subscribes. The Code sets minimum standards of good lending and advisory practice, which are to be followed by all lenders and mortgage intermediaries.

HD Rhodes is registered with the Mortgage Code Compliance Board under registration number 5552966.

Please note, the Mortgage Code only applies to residential mortgages, and as such you have no redress under the Code for any Buy to Let or commercial arrangements.

We constantly review the mortgage market in order to select appropriate lenders to meet your individual circumstances. We use lenders who consistently provide our customers with a competitive product range and high standards of service.

Under the terms of the Code, there are three levels of service available. These are:
· Full advice and recommendation.
· Information on different types of mortgage products available to allow you to make a choice.
· Information on a single product only, where no advice is given.
We offer a full advice and recommendation service in all cases, in order that you can make an informed decision about the choice of your new mortgage.

We will also provide you with information relevant to your mortgage needs, covering such items as an explanation of the main repayment methods and the implications of taking out a mortgage.

During our initial meeting, we will complete a detailed mortgage/financial review questionnaire to enable appropriate advice to be given on your mortgage and other related insurance products.

We require our clients to give us instructions in writing to avoid possible disputes. If the matter is urgent we will accept oral instructions provided they are confirmed in writing.

You, or we, may terminate our authority to act on your behalf at any time without penalty. Notice of this termination must be given in writing.

Once we have made our recommendations to you, we will confirm our advice in writing. You should retain this confirmation as a record of the advice given. Details of any product recommended will be confirmed by the lender on a formal Offer of Advance.

Before completing the mortgage application, your adviser will inform you if HD Rhodes will receive a fee for arranging your mortgage. This amount will be confirmed in writing prior to completion.

We never accept a cheque made out to this company (unless it is a cheque in settlement of fees or disbursements) or handle cash.

We will forward documents to you as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved we will normally hold the documents until the series is complete and then forward them to you.

We keep records of all our business transactions for seven years. You (or your agent) may inspect contract notes, vouchers and entries in books (whether kept manually or electronically). We treat all our clients' records as confidential, so we reserve the right to give you copies of your particular records rather than allowing access to files containing records about other clients. You have a right of access under the Data Protection Act 1998 to your personal records.

As your mortgage broker, we reserve the right to discuss your personal circumstances with any lender, in order to determine the most appropriate product for your needs. Your lender may undertake credit enquiries upon receipt of your mortgage application. They may also supply information to a Credit Reference Agency regarding the way your account is managed.

Your Protection, in the unlikely event of you ever having any complaint about the advice you have received or a product which we have arranged on your behalf, please immediately contact our Mortgage Code Compliance Officer, Mr David Rhodes, 134 Yorkshire Street, Rochdale. OL16 1LD Telephone 01706 860180 . He will make every effort to resolve the problem and will explain your statutory rights. If we are not able to resolve your complaint, we will assist you in referring you to the Mortgage Code Arbitration Scheme. Their address is: Mortgage Code Arbitration Scheme, 12 Bloomsrochdale Sq. WC1A 2LP, Tel: 020 7421 7444.

As mentioned previously, The Mortgage Code Arbitration Scheme does not cover Buy to Let or Commercial Mortgages.

Our internal auditing procedures will include monitoring and compliance of the Code. The Code is monitored by the Mortgage Code Compliance Board. Their address is available on request from our office. Complaints concerning the general operation of the Code can be made to them.

We maintain Professional Indemnity Insurance.

The above mortgage terms of business solely relates to mortgage business.

Third-Party Web Sites

The Hill-Duckworth site provides links to third-party web sites, which are not under the control of Hill-Duckworth. Hill-Duckworth make no representations about third-party web sites. When you access a non Hill-Duckworth web site, you do so at your own risk. Hill-Duckworth are not responsible for the reliability of any data, opinions, advice, or statements made on third-party sites. Hill-Duckworth provide these links merely as a convenience. The inclusion of such links does not imply that Hill-Duckworth endorse, recommend, or accepts any responsibility for the content of such sites.

Third-Party Products and Services

The Hill-Duckworth web site contains mention of third-party products and services for informational purposes. Hill-Duckworth make no recommendations or endorsements about third-party products and services. References to third-party services and products are provided by Hill-Duckworth "as is", without warranty of any kind, either express or implied.

Compliance with Laws
Governing Law and Jurisdiction

You agree that all matters relating to your access to, or use of, this web site shall be governed by the laws of England & Wales. You agree and hereby submit to the exclusive personal jurisdiction and venue of the Courts of England & Wales, with respect to such matters. Hill-Duckworth make no representation that images and information on this web site are appropriate or available for use in all countries, and prohibits accessing materials from territories where contents are illegal. Those who access this site do so on their own initiative and are responsible for compliance with all applicable laws.