RJW Associates are committed to integrity and professionalism in all areas of our services and therefore we take our obligations under the Data Protection Act 1998 very seriously. We will use all reasonable endeavours to protect your privacy and ensure that Personal Data (as defined in the Act and which includes any details you provide to us which concern you as an individual) is collected and processed in accordance with the Act.

You can visit our site without providing us with any personal information. However, at times RJW Associates may require personal information to process any requests that you make and to process an application you subsequently make, to correspond, or for any other service related reason.

We will treat all your personal information as private and confidential (even when you are no longer a customer), except where disclosure is made at your request or with your consent or where we are required by law to disclose. We will hold your details for a minimum of 6 years.

We will use your information for the purposes of administration, to source your financial products, marketing, customer services, analysing your purchasing preferences and customer profiling.

We will only provide your information to relevant third parties such as mortgage lenders and the providers of other financial products in order to process your various requirements. Except where RJW Associates is required to disclose by law, we will treat all your information as confidential, even when you are no longer a client and will not disclose any such information except where a disclosure is made at your request or with your consent.

Where necessary you consent to our processing data that is defined as sensitive by the Data Protection Act such as data relating to your health or offences for the above purposes. RJW Associates will apply appropriate technical and organisational measures against the unauthorised processing of personal data and against accidental loss of, or damage to personal data. By providing your data you agree to your data being used and transferred as stated above.

In respect of the provision of illustrations for non-investment insurance products, data provided by you may be electronically forwarded to our selected provider, who may use this to obtain personal illustrations of the cover available.

For marketing purposes we may wish to contact you by mail, telephone, email or fax with offers of goods or services or forthcoming events which may interest you. If you do not wish to receive information on other products and services, please let us know and we will ensure that you are not contacted in this way.

Where business is transacted, RJW Associates maintains client information for a minimum period of six years. You have the right to ask for a copy of your information.


How we act for you

We can act for you if you live in the United Kingdom. There may be restrictions on how we can advise you if any of the following apply:

  • You don’t live in the UK;
  • You are currently staying in the UK, but normally live abroad; AND
  • You are currently staying in the UK and plan to move abroad or return to another country.

Please ask us for details if you think this may apply to you.

Conflicts of interest

Occasions may arise where we or one of our other clients have some form of interest in business being transacted for you. If this happens, or we become aware that our interests or those of one of our other clients conflicts with your interests, we will write to you and obtain your approval to proceed in the light of the disclosure. We will set out the steps we will take to ensure your fair treatment in the event of a conflict of interest and you decide to allow us to continue to act for you.

Allowable Inducements

We may receive reasonable non-monetary benefits from lenders. We will not accept benefits that are unreasonable.

How we charge you for our services

Full descriptions of the payments we charge for our services are included in the initial disclosure document and Service and Payment Agreement which we have issued to you.

Client money

We do not handle clients’ money. We never accept cheques made payable to us or handle cash (unless it is payment in settlement of our fees and disbursements for which we have sent you an invoice). If you do send us money, this may delay your transaction as we may have to return it to you.

Data protection

Please refer to the separate Data Protection Statement that we have issued to you that sets out how we collect and use data about you.


We will communicate with you by means convenient to you and us. Our usual methods are face-to-face meetings, telephone and e-mail amongst others.

If you ask us to do something for you, we will confirm this to you in writing to ensure that we have understood your instructions correctly. If we give you advice, we will usually confirm it to you in writing.

Provision of information by you

We seek to ensure that any personal information we hold about you should remain accurate and up to date; as this could affect the advice we give you. Therefore, please let us know if there are any significant changes to your personal details, when they occur.

If we ask you to fill out any forms or documents, you must do this promptly, accurately and honestly. You may be committing a criminal offence by completing a form with information that is not accurate or truthful. We will not be liable to you if you suffer financially because you have not completed a form or document truthfully or accurately. As and when requested, you must provide instructions to us in a timely and clear manner.

When we first meet, we will discuss the services we offer.

Termination of Authority

You or we may terminate our authority to act on your behalf in the provision of Home Finance business at any time and this Terms of Business, without penalty.

Notice of this termination must be given in writing and will take effect from the date of receipt.

Any mortgage transactions that we are arranging will be completed in accordance with this Terms of Business unless you and we agree otherwise in writing. You will be liable to pay for any transactions made and / or services that are underway, carried out prior to termination and any fees and disbursements that are outstanding.

Applicable Law and Jurisdiction

These Terms of Business will be interpreted and construed in accordance with English law and is subject to the exclusive jurisdiction of the English courts, except if your address is in Scotland, when the courts of Scotland shall have non-exclusive jurisdiction.


Our Terms of Business is a legally binding agreement upon which you and we intend to rely. You should read the terms carefully before signing it. By signing, you consent to the terms and conditions of the Terms of Business agreement. If there are any terms within the Terms of Business that you do not understand, please ask for further information. The Terms of Business Agreement will come into effect from the date you sign it.