Terms & ConditionsThese Terms & Conditions (“Terms”) apply to all services provided by Callaghan Financial Services (“we”, “us”, or “our”) to any individual or business client (“you” or “your”). By engaging our services, you agree to be bound by these Terms.Our ServicesWe provide financial consulting, pension advisory (including QROPS), and property-related services. All services are tailored to individual needs based on the information provided by you. We offer general guidance and support based on our experience. Client ObligationsYou agree to:- Provide accurate, complete, and up-to-date information.
- Cooperate fully with any requests for information or documentation.
- Ensure you have the legal capacity to enter into agreements with us.
You remain responsible for your own financial decisions and any outcomes resulting from our services or recommendations.Fees and PaymentWe offer no-obligation quotes for all services, and any fees will be clearly agreed with you in writing before work begins.- Invoices are payable within 7 days of issue unless otherwise agreed.
- We reserve the right to suspend or discontinue services in the event of non-payment.
All quoted fees are exclusive of VAT unless expressly stated otherwise.ConfidentialityWe treat all information you share with us as strictly confidential and will not disclose it to third parties except:- With your express consent;
- Where required by law;
- To service providers working on our behalf under confidentiality agreements.
Data ProtectionWe comply fully with the UK GDPR, EU GDPR, and relevant local data protection laws.For full details on how we handle your data, see our Privacy Policy. You may request a copy at any time by emailing QROPS@msn.com.Limitation of LiabilityWe will provide our services with reasonable care and skill, but to the maximum extent permitted by law, we shall not be liable for:- Any indirect, incidental, or consequential losses;
- Losses resulting from your use of or reliance on our advice;
- Delays or failures caused by circumstances beyond our reasonable control.
Our total liability for any claim shall not exceed the fees paid by you for the relevant services.Intellectual PropertyAll documents, reports, and materials provided by us are our intellectual property and may not be copied, reproduced, or distributed without our prior written consent.TerminationEither party may terminate our agreement in writing at any time. You will remain liable for all fees incurred up to the termination date.We reserve the right to decline or withdraw services if:- You provide misleading or incomplete information;
- Payment is not received;
- We believe the engagement may breach legal or ethical obligations.
Governing LawThese Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise agreed in writing.ContactFor any questions, concerns, or service-related matters, please contact:Callaghan Financial ServicesEmail: QROPS@msn.comTel: +34 698 243 745