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Terms and Conditions

Legal Disclaimer

Mercer & Hole is registered to carry on audit work in the UK and Ireland and regulated for a range of investment business activities by the Institute of Chartered Accountants in England and Wales. M&H Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority and is a subsidiary of Mercer & Hole Group Limited. Registered in England and Wales No. 9585846. (Hereinafter “Mercer & Hole”, “Mercer & Hole Trustees Limited” and “M&H Financial Planning Ltd”  is referred to as “M&H Group”).

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use.  If you disagree with any part of these terms and conditions, please do not use our website.

The information contained in this website is intended solely to provide general guidance on matters of interest for the personal use of the reader, who accepts full responsibility for its use.  The application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this website.  Accordingly, the Information on this website is provided with the understanding that the authors and publishers are not herein engaged in rendering legal, accounting, tax, or other professional advice or services.  Therefore, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers.  Before making a decision or taking any action, you should consult a M&H Group professional.

While we have made every attempt to ensure that the information contained in this website has been obtained from reliable sources, M&H Group is not responsible for any errors or omissions, or for the results obtained from the use of this information.  All information in this website is provided with no guarantees of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, expressed or implied. Nothing herein shall to any extent substitute for the independent investigations and the sound technical and business judgment of the reader.  In no event will M&H Group, or its partners, employees or agents, be liable to you or anyone else for any decision made or action taken in reliance on the information in this website or for any consequential, special or similar damages, even if advised of the possibility of such damages.

There are certain links within this website that connect to other websites maintained by third parties over whom M&H Group has no control. M&H Group makes no representations as to the accuracy or any other aspect of information contained in other websites.

Your use of this website and downloads from it, and the operation of these terms and conditions, shall be governed in accordance with the laws of England and Wales.

Privacy Policy

Introduction

M&H Group is committed to privacy issues and this privacy statement details our approach on these issue.  By using this website and submitting any personal data, you agree to the use by M&H Group of such data in accordance with this privacy statement.

If you have any questions on our privacy policy, please email us at webmaster@mercerhole.co.uk.

Data collection

We only collect identifiable personal data or information that is specifically voluntarily provided by visitors to our website.  For example, a visitor may choose to share the following information:

  • name and job title
  • contact information including email address
  • demographic information such as postcode, preferences and interests.

Visitors are able to send emails directly through our website and their message will contain the user’s screen name, email address and any additional details they wish to share within the mail body of the email.

Use of data

When a visitor provides personal data to us, we use it solely for the purpose for which it was provided to us as stated at the point of collection.

Our website does not collect or compile personally identifying information for dissemination or sale to outside parties for consumer marketing purposes, or host mailings on behalf of their parties.

Data controller

Each of the business entities of M&H Group is the data controller of any personal data collected through this website, and will process such data in accordance with the Data Protection Act 1998.

Disclosure to third parties

Our policy is not to share personally identifiable information with any third parties, unless required by law, or unless explicitly requested by a visitor.

This data is not shared with any member firms in the TIAG alliance for any secondary or unrelated purposes, or shared with any third parties, unless disclosed at the point of collection.  If there any such instances where such information may be shared, the visitor will be asked for permission beforehand.

Security

We have implemented generally accepted standards of technology and operational security in order to protect personally identifiable data from loss, misuse, alteration or destruction.  We ensure that all appropriate confidentiality obligations and technical and organisational security measures are in place to prevent unauthorised or unlawful disclosure or processing of such information and data and accidental loss or destruction of or damage to such information and data.  Only authorised M&H Group staff are provided access to personally identifiable information and these employees have agreed to ensure confidentiality of this information.

Access to information

If you would like to details or the information you have submitted or would like to update personal data you have submitted through this website, email us at webmaster@mercerhole.co.uk.

When personally identifiable information is retained, we do not assume responsibility for verifying the ongoing accuracy of the content of personal information.  When practically possible, if M&H Group is informed that any personal data collected through the website is no longer accurate, M&H Group will make appropriate corrections based on the updated information provided by the authenticated visitor.

Unsubscribe

Should visitors choose to unsubscribe from mailing lists or any registrations, we will provide instructions or a visitor may contact us by email at webmaster@mercerhole.co.uk.

Data retention

The personal data you submit to us will only be retained for as long as is required for the purposes for which it was collected or as required by law.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Provision of Services Regulations 2009

The following information is given in accordance with the Provision of Services Regulations 2009. (In some instances M&H Group has been replaced with the  specific business entity in which the provision relates to e.g. Mercer & Hole, Mercer & Hole Trustees Limited, M&H Ltd).

General

Mercer & Hole is registered by the Institute of Chartered Accountants In England & Wales to carry out company audit work. M&H Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority and is part of Mercer & Hole Group Limited. Registered in England and Wales No. 9585846 and registered office at Gloucester House, 72 London Road, St Albans, Hertfordshire AL1 1NS.

As a member firm of the Institute of Chartered Accountants in England and Wales (“ICAEW”), Mercer & Hole is subject to the ICAEW’s Code of Ethics.

Audit

Mercer & Hole is registered to carry on company audit work in the UK by the Institute of Chartered Accountants in England and Wales. Details of our audit registration can be viewed at www.auditregister.org.uk under reference number C005397534.

Statutory audit work is subject to the Audit Regulations and Guidance, the International Standards on Auditing and the Ethical Standards issued by the Auditing Practices Board.

Insolvency Appointments

Partners and staff taking insolvency appointments are licensed to act as insolvency practitioners in the United Kingdom by the Institute of Chartered Accountants in England and Wales.

Work undertaken under insolvency appointments is subject to the insolvency law and regulation, court practice notes and the Statements of Insolvency Practice.

In addition, insolvency practitioners are subject to the ICAEW's Code of Ethics D.  All insolvency practitioners are also expected to comply with the Joint Insolvency Code of Ethics.

FSA regulated activities

M&H Financial Planning is the trading name of M&H Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority registered in England and Wales No. 9585846.

Data protection

M&H Group will comply with the provisions of the Data Protection Act 1998 when processing personal data about you and where applicable your family. In order to carry out the services of this engagement and for related purposes such as updating and enhancing our client records, analysis for management purposes and statutory returns, legal and regulatory compliance and crime prevention we may obtain, process, use and disclose personal data about you/your business/company/ partnership/officers and employees.

Each of the business entities of M&H Group and its Insolvency Practitioners are registered with the Information Commissioner as data controllers, details about all M&H Group licences can be viewed at this link with the following licence numbers:

M&H Group:

Mercer & Hole – Z8428322

Mercer & Hole Trustees Limited – Z5070878

M&H Financial Planning Ltd -  9585846

Insolvency Practitioners:

Steve Smith – Z6972565

Chris Laughton – Z8776922

Peter Godfrey-Evans – Z477443X

Henry Page - ZA084101

Quality of service

If you are not satisfied with any contractual services received, or if you have any suggestions for improvement of our services, please contact us at webmaster@mercerhole.co.uk   You may also contact the Institute of Chartered Accountants in England and Wales (“ICAEW”) and/or the Information Commissioner about the way in which we have handled your personal data.

For insolvency appointments you should contact the appointed insolvency practitioner and/or, for appointments made before 5 June 2013, the ICAEW, or for appointments made on or after 5 June 2013 the Insolvency Service IP Complaints Gateway, details of which are available at http://www.bis.gov.uk/insolvency/contact-us/IP-Complaints-Gateway.

Conflicts of interest

We will inform you if we become aware of any conflict of interest in our relationship with you, or in our relationship with you and another client. Where conflicts are identified, either between two or more of our clients, or in the provision of multiple services to a single client, we will take such steps as are necessary to deal with the conflict. In resolving it, we would be guided by the ICAEW’s Code of Ethics.

Professional indemnity insurance

Mercer & Hole’s professional indemnity insurance broker is Marsh Limited, FINPRO Practice, 1 Tower Place West, Tower Place, London EC3R 5BU.  The territorial coverage is worldwide.