Terms and Conditions

Applicability of Terms and Conditions

By using this website you accept these terms and conditions of use. If you do not accept the terms and conditions, you must not use this website.

Changes to Terms and Conditions

We are entitled to change these terms and conditions without notice. You should not assume that they will be the same on each visit to this website.

Registered Office:

Charter House
12 Russell Gardens
Kensington
London, W14 8EZ

Legal Disclaimer

This site is intended for intermediary use only. Please be aware that the information included on this website is aimed solely for intermediary use and is not designed for use by consumers. This website is intended as a simple guide to Equity Release, and the Charterhouse Retirement Solutions products for intermediaries looking to offer equity release to their clients, and does not in any way constitute professional financial advice. The information contained within this website is based upon our current understanding of legislation relating to Equity Release Plans, which may change in the future. Such changes cannot be foreseen. Please contact Charterhouse Retirement Solutions at the above address for specific details on the plans offered by Charterhouse Retirement Solutions, or if you need any further information.

Copyright and Trademark

Website © 2009 Charterhouse Retirement Solutions Limited. Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is all owned by Charterhouse Retirement Solutions unless otherwise indicated. Charterhouse Retirement Solutions and the Charterhouse Retirement Solutions logo are registered trademarks of Charterhouse Retirement Solutions Limited. Reproduction of the pages of this website in whole or in part without the prior written consent of Charterhouse Retirement Solutions is strictly prohibited unless carried out for private, non-commercial viewing purposes. Materials on this website may not be modified, reproduced or publicly displayed, performed or distributed or used for any public or commercial purposes. Copyright and all intellectual property rights in the content of this site are vested in Charterhouse Retirement Solutions and reserved, unless indicated otherwise. The content of this site belongs to Charterhouse Retirement Solutions unless indicated otherwise. Any unauthorised use of any material on the website may violate copyright, trademark and other laws.

Liability Disclaimer

While every effort has been made to provide clear, accurate and complete information, the changing nature of laws and regulations may lead to delays, omissions or inaccuracies of information contained on this website. Charterhouse Retirement Solutions does not guarantee that the website will be error-free, omission-free, free from viruses, uninterrupted or without delay. The information on this site is provided as it appears without warranties of any kind – expressed or implied – including accuracy, timeliness and completeness.

E-mail

Please note that there is no guarantee that any e-mail sent from this website will be received, or that the contents of any such e-mail will remain private or unaltered during Internet transmission. If you any concerns about this, you may prefer to telephone us on 020 7471 6052 or write to us at Charter House, 12 Russell Gardens, Kensington, London W14 8EZ. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and a denial of service attack. Any enquiries sent to us via the use of our registration or referral are delivered to us via a secure environment. However e-mails sent from us to your e-mail address are not secure. For this reason we will not include any of your personal information or provide any advice by e-mail, but will usually respond to your enquiries by telephone or post.

Availability

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance. However, we will always aim to keep any disruption to a minimum. We cannot guarantee that this website will be free of viruses or defects of any kind and we will not be held responsible for any technical problems you may suffer as a result of your use of this website. Third Party Websites This website contains links to websites operated by third parties. We do not accept any responsibility for the operation and content of these websites. Responsibility rests solely with the organisation identified as controlling the third party website and will be governed by their separate terms and conditions. We provide links to third party websites only for convenience and an additional source of information for our users – inclusion of any third party link does not imply endorsement in any way from Charterhouse Retirement Solutions. We accept no responsibility or liability for the contents of any linked third party websites.

Competitions and offers

‘Bonus Commission Offer’ runs from 29 October 2009 until 31 December 2009. £150 Bonus Commission will be paid on completion of the first case which must be submitted via the Online Referral Form at www.charterhouse-rs.co.uk/equity-release-members/referral during this period. In the case of multiple case submissions made during this period, £150 Bonus will only be paid on the first case to complete and will only be paid one time per CRS Club Member. £150 Bonus will only be paid to the CRS Club member after the case has completed, and after CRS has received monies from the lender.

Charterhouse Retirement Solutions (CRS) Registration Competition:

Competition winners may be required to partake in some publicity relating to the redemption of the prize.
CRS will not publish personal information of the prize winner, apart from their name, business and general locality.
Prize winners names and county will be made available on request.
Prizes will be awarded to the winner within four weeks of prize claim.

Competition Rules:

Competition runs from 9.00am on 5 November 2009 until 9.00am on 31 January 2010. 1 iPod nano to be awarded for each month with eligible participants to be drawn from all of those who registered in the previous calendar month, ie first iPod nano draw will take place on 1 December, with the name to be drawn randomly from a list of all of those who registered online during the month of November.

The winner will be notified within four weeks. CRS, on receipt of a stamped addressed envelope will provide details of the winning entry.

The draw is open to entrants over 18 years of age. Only one entry per person will be accepted. Employees of Charterhouse Retirement Solutions Ltd and associated companies, and their relatives (and any connected persons) are not eligible.

Eligible participants: All online registrations made at www.charterhouse-rs.co.uk/equity-release-register/ during the competition period will be eligible. Entry may result in a letter or telephone call from an adviser of Charterhouse Standard Holdings Ltd. No entrant is obliged to see any such adviser unless they wish to do so.

A total number of three iPod nano prizes will be drawn. Ideally, the prize will be presented in person where we would like to take a photograph for future promotional purposes. Where this is not possible, prize will sent by registered post to the address provided by the prize winner.

There is no cash alternative available.

Competition is open to intermediaries in the Financial Services Industry in the United Kingdom.

The decision Charterhouse Retirement Solutions Ltd on any matter relating to these rules shall be final.

Privacy Policy

Collection of Personal Information

As a visitor to this site, you do not have to submit any personal information in order to use our website. We only collect identifiable information that is specifically and voluntarily provided by a visitor to our site. A visitor to our site may choose to provide this information to register with us for future communications, submit an initial enquiry, request a call from Charterhouse Retirement Solutions, or request Charterhouse Retirement Solutions literature. When a visitor provides this type of identifiable information to us, we use it solely for the purposes for which it was provided. When requesting material or asking someone to contact you, you will need to register with us and will have the option to request other information that may be of interest. You have the right to access any personal information that you have submitted through the website.

Protection of personal information

The personally identifiable information you may provide is shared only with authorised employees of Charterhouse Retirement Solutions and will be retained only for as long as necessary to fulfill the purposes for which the information was collected, or as required by law. We do not share personal information with third parties except as necessary to carry out our business, your requests, or as required by law or other legal processes. We will never sell your personal information to third parties or make it available to any third parties without your consent. Charterhouse Retirement Solutions has technological and operational security policy and procedures in place to protect your personally identifiable information from loss, misuse, alteration or unintentional destruction. Our personnel who have access to the data have been trained to maintain the confidentiality of such information. Charterhouse Retirement Solutions assumes responsibility for keeping an accurate record of personal data once you have submitted the information, but not for confirming the ongoing accuracy of your personal information. If you advise Charterhouse Retirement Solutions of any inaccuracies or changes to your personal data, it will be amended accordingly.

Our website contains links to other sites, but this Privacy Policy applies only to personal data collected via the website operated by Charterhouse Retirement Solutions, and to how Charterhouse Retirement Solutions processes personal data. We are not responsible for the privacy policies of other websites.

Use of email

Although we take great care to protect the security of communications to and from our website, please be aware that we cannot guarantee that such communications will remain confidential before they have arrived in or after they have left our systems. Opting out If you do not wish to be kept updated about Charterhouse Retirement Solutions news and events and to continue to receive information from us, please
email info@charterhouse-rs.co.uk

If you have any concerns regarding the data held about you by Charterhouse Retirement Solutions, please contact us at:

Charterhouse Retirement Solutions
Charter House
12 Russell Gardens
Kensington
London, W14 8EZ

Intermediary Tel: 0800 088 4006
Fax: 020 7471 6053
Email: info@charterhouse-rs.co.uk