TERMS & CONDITIONS
                                                                                                                   
1: Interpretation Client means you the client of the company. 
1.1: Company means Day Cooper Adams Ltd.
1.2: Contract means the signed terms of engagement between the client and the company relating to the supply of services.
1.3:”Services” means all or any of the services as specified in the contract.
1.4:”Thirdparty” means any person, firm or company that has sold the client a financial product.
1.5:”Product” means the financial products which the client received advice relating to.

2: Duration The contract shall commence on the date on which the client's initial processing fee is received and the contract is signed on behalf of the company. The clients claim will commence on the date the signed contract has been returned and received by the company and unless terminated.
Or- The Company advises the client that it is unable to recover compensation.
Or- The Company exercises its right not to pursue a claim for compensation.
Or-The right for the client to exercise their right  to cancel.

3: Services The company agrees with the client:
3.1: To provide the services using reasonable skill and care.
3.2: To notify the client in writing if it decides that it will not pursue an application for compensation.
3.3: To act in the best interests of the client at all times.

4: Charges/Fees & Debt Recovery The Company’s charges are those referred to in this contract. The company is instructed to act on behalf of the client with the objective of securing payment of monies owed by way of compensation or contractual right. It is understood that an initial processing payment of £587.50 including VAT plus £50 for legal, administration and contracts will be paid to Day Cooper Adams Ltd to commence proceedings. All payments are processed by Day Cooper Adams Ltd through either Abbey Bank or PayPal Payments Pro This fee is non-refundable subject to clauses 4.1 and 4.2.
4.1: The initial processing fee paid to Day Cooper Adams Ltd will only be refunded to the client if the client cancels the contract within the 14 day cooling off period which starts from the date of the agreement (contract) signed on behalf of the company.  All refunds or cancellation must be carried out in writing and sent by registered post and received by the company within the 14 days from commencement of the contract.  The management reserves the right to reject any cancellation notices that do not comply with this ruling and charge a reasonable fee for work already carried out.
4.2: Where the company exercises its right not to pursue a claim for compensation for any reason on behalf of the client, a full refund of the processing fee paid to Day Cooper Adams Ltd will be given.
4.3: When a settlement offer is made, it will be forwarded by the company for due consideration by the client. On completion of settlement the client agrees to pay the company a commission of 12% plus VAT of the monetary value of compensation awarded on any given policy/policies managed by the company. The client is to forward to the company, the commission due from the award paid by the third party within 14 working days of receiving the compensation settlement.  In the event that the company has to take steps to recover any commission charges overdue, the client undertakes to be liable for all reasonable costs and expenses incurred by the company.

5: Obligations of the Client
The client agrees with the company:
5.1:  To provide promptly all such information as the company may from time to time reasonably request.
5.2: To ensure that all information sent to the company is accurate, not misleading and shall not contain any relevant omissions. The company cannot be held responsible for any information withheld which restricts their ability to recover compensation
5.3: To authorize the company to act on its behalf to contact the third party or such other companies as the company considers necessary to perform the services and to authorize the release of any such information as the company deems appropriate.
5.4: To authorize the company to negotiate on the merits of the client's claim.
5.5: To authorize the company to accept the claim for compensation on behalf of the client, subject to the clients approval.
5.6: To copy to the company any correspondence or information it receives from the third party as not to delay or hinder the complaint process.
5.7: To promptly notify the company of the full names of all joint policyholders.
5.8: The client agrees to notify the company of any settlement offered by the third party in respect of a claim for compensation.
5.9: That not withstanding a settlement offer is agreed and accepted directly by the client with the third party; the client will remain responsible for and shall pay the service charges referred to in the contract.
5.10: The client is deemed to have accepted an offer of compensation in cases where an offer, which in the opinion of the company is a fair and reasonable one, which has been forwarded either by the company or the third party to the client and who has not within the statuary 28 days of receiving such an offer either returned to the company the third party’s acceptance forms or a letter rejecting the third party’s offer.

6: Performance The Company shall not be liable for any loss, damage or expense arising from any delay in the performance of any services by the third party involved in the complaint lodged on behalf of the client by the company.

7: Liability The Company’s liability in respect of the service is to provide the same with reasonable skill and care.

8: Termination
The company shall have the right by giving written notice to the client at any time to immediately terminate the contract if;
8.1: or the client is adjudicated bankrupt.
8.2: No failure or delay in exercising any of the company's rights shall constitute a waiver of the same or any other of its rights
8.3: If the client withdraws a complaint prior to an award of compensation being paid out by the policy provider and after the complaint lodged by the company has been upheld by the policy provider, they will remain liable for the fees to the company on a , if they independently accept an award based on a complaint which relates to the same policy/policies upon which the company originally lodged the complaint on their behalf then they are still liable for the fee on a pro rata basis to the company.
8.4: If the client terminates the contract after 14 days such termination must be given in writing to the company, as to notify the third party, the status of the complaint.

9: Confidentiality:  The subject matter of the contract and any information acquired by either party pursuant to the contract is confidential and neither party shall, without prior written consent of the other party, make any use or disclosure thereof except for the purpose of the contract save to the extent such information is or becomes publicly available, otherwise it is in breach of the foregoing obligations.

10: The working papers prepared as part of the engagement are our property and constitute confidential information.

11: Data Protection Act During the engagement the company shall request information about the client’s personal and financial situation from the client. It may be appropriate to obtain some of the information about the client’s personal and financial situation from third parties (for example, from other firms which act, or have acted, as your professional advisers).
11.1: The information that the company obtains about the client’s personal and financial situation may constitute "personal data" or "sensitive personal data" under the Data Protection Act 1998 ("the 1998 Act"). By signing this agreement, the client expressly consents that the company:
11.2: carry out such processing (whether obtaining, recording or holding) of such data as is necessary to enable the company to carry out the engagement;
11.3:using the companies knowledge of the client’s personal and financial situation, bring to the client’s attention by contacting the client by telephone, from time to time, information that the company believes may be of interest to the client, unless the client has informed the company that they do not wish to receive any such information
11.4: If requested by the client in writing, the company shall (for a fee not exceeding the maximum fee prescribed in the 1998 Act) provide details of the data that the company hold about the client. You undertake to advise the company if any such details are incomplete, inaccurate or out of date.
11.5: If requested by the client in writing, the company shall provide the client with such details of the third parties to which the company discloses information about the client’s personal and financial situation.

12: Rights Of Third Party No person other than the company, any person to whom the company assigns the contract and the client shall acquire any enforceable rights under or in connection with the contract.

13: Variations No variation to these conditions shall be binding unless agreed in writing between the company and the client.

14: Law & Jurisdiction The law applicable to this contract shall be English law and the parties consent to the jurisdiction of the English courts in all matters affecting this contract.

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