Terms of use for this website

These terms govern your use of the ProActivLife website. They are not the terms of any advice relationship — if you become a client, your adviser will give you a separate client agreement setting out what we will do for you and what it costs.

By using this site you accept these terms. If you do not accept them, please stop using the site.

Who runs this website

This site is operated by ProActivLife Ltd, registered in England and Wales (company number 08954775), registered office 3 Chester Bridge, Crewe, Cheshire, CW2 7EF. ProActivLife Ltd (FCA 628708) is an appointed representative of Financial Expert Partnership Ltd (FCA 591556), which is authorised and regulated by the Financial Conduct Authority.

Full details of our regulatory position are on our Legal & Regulatory page.

This website is not advice

The mortgage calculator

The calculator on this site produces an illustration, not a lending decision or a mortgage offer. It applies a general income multiple and an assumed interest rate to the figures you type in. It is a rough guide to the scale of borrowing that might be available — nothing more.

What a lender will actually offer you depends on things the calculator does not know and cannot know: your credit history, your outgoings and financial commitments, the type and condition of the property, your deposit, the lender's own affordability model and stress-testing rules, and its lending policy on the day you apply. The figure the calculator shows is very likely to differ from what you can borrow, in either direction.

Do not use the calculator's output as a basis for making an offer on a property, for giving notice on a tenancy, or for any other commitment. Speak to an adviser first.

The adviser-matching tool

The matching tool suggests advisers based on the answers you give about service, language and how you would like to meet. It is a convenience for finding a suitable person to speak to. It is not a ranking of quality, not a statement that any adviser is better than another, and not advice. You are free to contact any adviser on the site regardless of what it suggests.

Accuracy and changes

We take care to make the information here accurate and current at the time it is published, and we review it regularly. But financial services change constantly — rates move, product terms change, tax treatment changes, and the rules themselves change.

We therefore do not warrant that everything on this site is complete, current or free from error, and we may change or remove any of it without notice. Where a page carries a review date, that date tells you when it was last checked.

If you spot something that is wrong or out of date, please tell us at info@proactivlife.co.uk. We would rather know.

How you may use this site

You may read, print and download pages from this site for your own personal, non-commercial use, and you may share links to it freely. We would be pleased for you to send a page to someone it would help.

You may not:

• Copy, republish or redistribute substantial parts of the site commercially, or present our content as your own.
• Remove or obscure any copyright, trade mark or regulatory notice.
• Use the site or its content to promote your own or a third party's financial services.
• Scrape, harvest or systematically extract content or adviser details, including for training a machine-learning model, without our written permission.
• Introduce a virus or other malicious code, attempt to gain unauthorised access to the site or any server behind it, or attack it in a way that disrupts availability.
• Use any contact detail on this site to send unsolicited marketing.

Some of these would also be criminal offences under the Computer Misuse Act 1990, and we would report them.

Intellectual property

The content, layout, design and code of this site are owned by ProActivLife Ltd or used under licence. The ProActivLife and Professional Adviser Academy names, the ProActivLife mark, the Professional Adviser Academy mark, and the strapline "The Smart Financial Choice." are trade marks of ProActivLife Ltd.

The typeface Archivo is used under the SIL Open Font Licence. Any third-party names or marks mentioned on this site belong to their respective owners, and their appearance does not imply any endorsement of us by them, or of them by us.

Links to and from this site

You are welcome to link to any page on this site, provided you do so fairly, do not damage our reputation, and do not suggest any association, approval or endorsement that does not exist. Do not frame our pages within another site.

Where we link out — to the FCA register, the Financial Ombudsman Service, the ICO, MoneyHelper, or elsewhere — we do so because we think the destination is useful. We have no control over those sites and take no responsibility for their content or their privacy and cookie practices. Once you follow a link, their terms apply, not ours.

Availability

We do not guarantee that this site will be available without interruption or free from faults. We may suspend, withdraw or restrict any part of it for business or operational reasons, and we will try to give reasonable notice where we can.

If you need to reach us and the site is unavailable, call 01270 747 989.

Our liability to you

Nothing in these terms limits or excludes our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any liability that cannot be limited or excluded by law; or
• your rights as a consumer under the Consumer Rights Act 2015 or any other consumer protection legislation.

We also do not seek to limit any liability we owe you in relation to regulated advice. If we advise you badly, your remedy is not affected by anything on this page — you can complain, and you can go to the Financial Ombudsman Service. See our Complaints page.

Subject to all of the above, we will not be liable for any loss or damage arising from your use of this website, or from your reliance on general information published on it, where you have not taken personal advice. In particular we are not liable for business losses, loss of profit, loss of business or loss of anticipated savings arising from use of this site, since the site is provided for personal use.

Privacy and cookies

How we handle your personal information is set out in our Privacy Policy. What this site stores on your device, and how to control it, is in our Cookie Policy. You can change your cookie settings at any time.

Keeping yourself safe online

Financial services attract fraud, so two practical points:

• We will never email, text or call to ask for a password, a card PIN, a one-time security code, or to ask you to move money to a different account. If you get a message claiming to be from us that does any of these, it is not from us. Call the number on this page — not a number in the message.
• Please do not send us sensitive information by ordinary email. Email is not secure. Do not email us bank details, identity documents or medical information unless your adviser has given you a secure route. Call us and we will tell you the safe way to send it.

Governing law and changes to these terms

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction — except that if you live in Scotland or Northern Ireland you may also bring proceedings in your own courts, and your local consumer law protections still apply to you.

We may revise these terms at any time. The version on this page is the one that applies, and the date it was last reviewed appears at the top and bottom of the page. Please check it from time to time.

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