Terms of Business

About Us

Clifton International is a trading style of Fair Investment Company Limited ("we", "our", "us").

Fair Investment Company Limited is registered in England and Wales and operates from:

2 Portland Street, Clifton, Bristol, BS8 4JH

Fair Investment Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 192852).

These Terms of Business explain the nature of the services provided through the Clifton International website and our relationship with users of the website.

By submitting an enquiry through this website, you acknowledge that you have read and accepted these Terms of Business.

Our Service

Clifton International operates as a marketing and introducer service for individuals seeking finance in connection with the purchase, refinancing or development of residential, commercial or investment property in the United Kingdom and overseas.

We do not provide mortgage advice, financial advice, legal advice, tax advice or investment advice through this website.

The information contained on this website is provided for general information purposes only. It does not constitute advice, a recommendation, an endorsement or a personal recommendation of any particular lender, financial product, intermediary or course of action.

Any decision to proceed with a property transaction or finance arrangement should be made only after obtaining appropriate professional advice from suitably qualified advisers.

Introductions to Third Parties

Where you submit an enquiry, we may introduce you to one or more specialist property finance intermediaries. Examples include:

• UK property enquiries being referred to Clifton Private Finance Limited.
• UK property enquiries being referred to other suitably authorised and regulated UK finance intermediaries.
• International property finance enquiries being referred to specialist finance intermediaries operating within the relevant jurisdiction.
• Enquiries relating to European property transactions being referred to specialist intermediary partners with expertise in the relevant country.

Any finance arrangement, mortgage product or refinancing solution will be discussed directly between you and the intermediary to whom your enquiry is referred.

We are not a party to any agreement subsequently entered into between you and any intermediary, lender, finance provider, solicitor, valuer or other professional adviser.

No Advice

Our role is strictly limited to introducing prospective customers to suitable finance intermediaries. We do not:

• assess the suitability of any mortgage, loan or finance product for your circumstances;
• make personal recommendations;
• advise on the merits of proceeding with a transaction;
• negotiate finance arrangements on your behalf; or
• guarantee that any finance application will be accepted.

Any advice that you subsequently receive will be provided by the intermediary, lender or professional adviser handling your enquiry and will be subject to their own terms of business and regulatory status.

No Guarantee of Funding

Submitting an enquiry through Clifton International does not guarantee:

• finance approval;
• mortgage approval;
• refinancing approval;
• access to any particular lender;
• availability of any specific interest rate; or
• completion of any property transaction.

All lending and finance arrangements remain subject to underwriting criteria, valuation, affordability assessments, legal requirements and lender approval.

Overseas Property Transactions

Property finance arrangements involving overseas properties may be subject to different laws, regulations, lending standards and tax regimes than those applicable in the United Kingdom.

Neither Clifton International nor Fair Investment Company Limited accepts responsibility for advising on:

• foreign legal requirements;
• property ownership structures;
• taxation;
• currency exchange risks;
• residency requirements; or
• local regulatory obligations.

You should obtain independent legal, tax and professional advice before proceeding with any overseas property transaction.

Information Provided by You

You are responsible for ensuring that all information supplied to us is accurate, complete and not misleading.

We are entitled to rely upon the information you provide when assessing the most appropriate intermediary to whom your enquiry should be referred.

If information provided by you subsequently proves to be inaccurate, incomplete or misleading, any intermediary or lender may decline to proceed with your application.

Fees and Charges

Clifton International does not charge consumers for making an introduction through this website unless expressly agreed in writing.

The third-party intermediary, lender or adviser to whom you are introduced may charge fees for their services. Any such fees, commissions or charges will be disclosed to you directly by the relevant firm under their own terms and conditions.

We may receive an introductory fee, referral fee or commission from intermediary partners in connection with successful introductions.

Such arrangements do not increase the amount payable under any finance agreement entered into with a lender unless expressly stated by the intermediary handling your application.

Data Protection and Privacy

To provide our introducer service, we may collect and process personal information supplied by you.

Where appropriate, we may share your personal information with:

• Clifton Private Finance Limited;
• authorised and regulated UK finance intermediaries;
• specialist international finance intermediaries;
• intermediary partners located within the United Kingdom and the European Union;
• lenders and professional advisers involved in assessing your enquiry.

We will only share information reasonably required to facilitate your enquiry.

Our collection, use and sharing of personal information is governed by our Privacy Policy and applicable UK data protection legislation.

Electronic Communications

By submitting an enquiry, you consent to communications by:

• email;
• telephone;
• SMS;
• video conferencing platforms; and
• other electronic communication methods agreed with you.

We may retain records of communications for compliance, training and quality assurance purposes.

Website Content

Whilst we make reasonable efforts to ensure that the information on this website is accurate and up to date, we do not warrant or guarantee its completeness, accuracy or suitability.

Market conditions, lending criteria and finance products may change without notice.

The content of the website should not be relied upon as the sole basis for making financial or property-related decisions.

Limitation of Liability

To the fullest extent permitted by law, neither Clifton International nor Fair Investment Company Limited shall be liable for any loss, damage, cost or expense arising directly or indirectly from:

• reliance on information contained on this website;
• any decision made following an introduction;
• actions or omissions of third-party intermediaries;
• actions or omissions of lenders;
• delays in obtaining finance;
• refusal of finance applications; or
• losses arising from overseas property transactions.

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any liability that cannot be excluded under applicable law.

Complaints

If you are dissatisfied with any aspect of our introducer service, please contact us in writing at:

Email: helpdesk@fairinvestment.co.uk

Where your complaint relates to advice, a recommendation, a mortgage application or another service provided by a third-party intermediary, your complaint may need to be directed to the firm responsible for providing that service.

Changes to These Terms

We reserve the right to amend these Terms of Business from time to time.

The latest version will always be published on the Clifton International website and will apply from the date of publication.

Governing Law

These Terms of Business shall be governed by and interpreted in accordance with the laws of England and Wales.

Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.