Terms & Conditions

Company Number:

Registered Office:

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Last Updated: 26th November 2025

1. Introduction

These Terms and Conditions ("Terms") govern the provision of property sourcing and packaging services ("Services") by HERITAGE PROPERTY PARTNERS LTD (Company Number: 15857766), with registered office at 21 Downland Way, Durrington, Salisbury, England, SP4 8BX ("we", "us", "our", "the Company").

By engaging our Services, making payment, or signing any service agreement with us, you ("you", "your", "the Client") agree to be bound by these Terms. If you do not agree to these Terms, you should not engage our Services.

These Terms, together with any service agreement, fee schedule, or other documents expressly incorporated by reference, constitute the entire agreement between you and the Company.

2. Regulatory Information and Professional Standards

The Company operates in accordance with applicable UK laws and regulations governing property services. We maintain the following registrations and memberships:

Data Protection: We are registered with the Information Commissioner's Office (ICO) under registration number ZB734355. We process your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Property Redress Scheme: We are members of Property Ombudsman (Membership Number: T11469). This provides you with an independent dispute resolution service should you be unable to resolve a complaint with us directly.

Important: The Company is not regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice, mortgage advice, or arrange regulated mortgage contracts. You should always seek independent legal and financial advice before making any property investment decision.

3. Services Provided

The Company provides property sourcing and deal packaging services, which may include:

- Identifying and presenting investment property opportunities that meet your specified criteria

- Providing property details, photographs, and relevant information about potential investments

- Arranging property viewings and facilitating introductions to relevant third parties

- Coordinating due diligence processes and liaising with solicitors, surveyors, and other professionals

- Packaging property investment opportunities with projected returns and investment analyses

- Providing ongoing support throughout the property acquisition process

The specific Services to be provided will be set out in your service agreement or engagement letter. Services may vary depending on the package selected and the nature of the property opportunity.

What We Do Not Provide: We do not provide regulated financial advice, tax advice, legal advice, mortgage advice, or property management services unless expressly agreed in writing. All projections, estimated returns, and financial analyses are provided for information purposes only and do not constitute financial advice or guarantees of performance.

4. Client Obligations and Responsibilities

As a Client engaging our Services, you agree to:

- Provide accurate, complete, and truthful information about your investment criteria, financial position, and experience

- Conduct your own independent due diligence on any property opportunity presented

- Seek independent legal advice from a qualified solicitor before entering into any property transaction

- Seek independent financial and tax advice regarding the suitability of any investment for your circumstances

- Obtain independent mortgage advice from an FCA-regulated mortgage adviser if you require finance

- Arrange appropriate building surveys, valuations, and property inspections

- Make timely payments for Services in accordance with the agreed fee structure

- Respond promptly to requests for information or decisions during the transaction process

- Comply with all applicable laws and regulations relating to property ownership and investment

You acknowledge that property investment carries inherent risks and that past performance or projected returns are not indicative of future results. You accept full responsibility for your investment decisions.

5. Fees and Payment Terms

Our fees for Services will be set out in your service agreement or fee schedule. Fees may be structured as:

- Fixed sourcing fees payable upon successful completion of a property purchase

- Upfront retainer or reservation fees

- Percentage-based fees calculated on the property purchase price

- Milestone-based payments at specified stages of the transaction

5.1 Payment Terms

Unless otherwise agreed in writing, fees are payable as follows:

- Reservation or retainer fees are payable immediately upon acceptance of a property opportunity

- Sourcing fees are payable within 7 days of completion of the property purchase

- Any outstanding balances must be paid before completion of the transaction

Payment may be made by bank transfer to the account details provided in your invoice. We do not accept cash payments over £5,000 in accordance with money laundering regulations.

5.2 Non-Refundable Fees

Unless expressly stated otherwise in your service agreement, all fees paid to the Company are non-refundable once Services have commenced. This includes situations where:

- You decide not to proceed with a property purchase after we have sourced and presented the opportunity

- Your mortgage application is declined or you are unable to secure finance

- The vendor withdraws the property from sale

- You change your investment criteria or decide not to invest

This reflects the work undertaken in sourcing, packaging, and presenting opportunities to you. Specific refund provisions, if any, will be clearly stated in your service agreement.

5.3 Late Payment

If payment is not received by the due date, we reserve the right to:

- Charge interest on overdue amounts at 8% per annum above the Bank of England base rate

- Suspend Services until payment is received in full

- Pursue recovery of outstanding amounts through legal proceedings

6. Property Information and Accuracy

We take reasonable care to ensure that property information provided to you is accurate at the time of presentation. However:

- Information is sourced from third parties including vendors, estate agents, and publicly available records

- Property details, dimensions, boundaries, and descriptions may be subject to errors or change

- Photographs may not reflect the current condition of the property

- Rental valuations and yield calculations are estimates based on market conditions at the time

- Projected returns, capital growth estimates, and investment analyses are projections only and not guarantees

Your Responsibility: You must conduct your own inspections, surveys, and due diligence on any property. We strongly recommend engaging:

- A qualified surveyor to conduct a full structural survey

- A solicitor to conduct legal searches and review title documentation

- A local letting agent to verify rental valuations and tenant demand

The Company accepts no liability for any inaccuracies in third-party information or for your failure to conduct adequate due diligence.

7. No Financial Advice or Guarantees

Critical Notice: The Company does not provide regulated financial advice. We are not authorised or regulated by the Financial Conduct Authority.

Any information, projections, or analysis provided by us is for general information purposes only and does not constitute:

- Financial advice or a recommendation to invest

- Tax advice or tax planning services

- Legal advice regarding property ownership or contracts

- Mortgage advice or arranging regulated mortgage contracts

- A guarantee of rental income, capital growth, or investment returns

You Must Seek Independent Professional Advice:

- Financial Advice: Consult an FCA-regulated independent financial adviser to assess whether property investment is suitable for your circumstances

- Legal Advice: Instruct a qualified solicitor to handle all legal aspects of your property purchase

- Mortgage Advice: Consult an FCA-regulated mortgage adviser if you require finance

- Tax Advice: Consult a qualified accountant or tax adviser regarding tax implications

Property investment involves significant financial risk. You may lose money, property values can fall, rental income is not guaranteed, and you may experience void periods or problem tenants. You accept all investment risk.

8. Due Diligence and Third-Party Professionals

While we may facilitate introductions to third-party professionals such as solicitors, mortgage brokers, surveyors, or contractors, we do not guarantee their performance or accept liability for their services.

You are free to instruct your own choice of professionals and should satisfy yourself as to their competence, qualifications, and suitability. Any arrangements you enter into with third parties are entirely at your own risk.

We may receive referral fees or commissions from third parties we introduce you to. Any such arrangements will be disclosed to you in accordance with regulatory requirements.

9. Client Money and Anti-Money Laundering

We do not hold client money for property purchases. All deposits and purchase funds must be paid directly to your solicitor's client account.

In accordance with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, we are required to:

- Verify your identity and conduct due diligence checks before providing Services

- Obtain evidence of your source of funds for property purchases

- Report any suspicious activity to the National Crime Agency

You agree to provide all documentation requested for these purposes. We reserve the right to refuse service or terminate our relationship if satisfactory due diligence cannot be completed.

10. Cancellation and Cooling-Off Period

10.1 Consumer Rights

If you are a consumer (an individual acting for purposes outside your trade, business, or profession), you have the right to cancel your service agreement within 14 days of entering into the contract (the "Cooling-Off Period") under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

To exercise your right to cancel, you must inform us of your decision by a clear statement sent to before the expiry of the Cooling-Off Period.

If you have expressly requested that we begin providing Services during the Cooling-Off Period and you then cancel, you will be required to pay for Services provided up to the point of cancellation on a pro-rata basis.

10.2 Client-Initiated Cancellation After Cooling-Off Period

If you wish to terminate the service agreement after the Cooling-Off Period has expired:

- You must provide written notice to

- You remain liable for all fees incurred up to the date of termination

- Any non-refundable fees already paid will not be refunded

- If a property has been reserved or sourced for you, full sourcing fees may remain payable

10.3 Company-Initiated Termination

We reserve the right to terminate our service agreement with you if:

- You fail to make payment when due

- You provide false or misleading information

- You breach these Terms or any service agreement

- We are unable to complete satisfactory anti-money laundering checks

- We reasonably believe that continuing the relationship would expose us to legal or regulatory risk

In the event of termination by the Company for breach or non-payment, all fees remain payable and no refunds will be provided.

11. Liability and Limitations

11.1 Our Liability to You

Nothing in these Terms excludes or limits our liability for:

- Death or personal injury caused by our negligence

- Fraud or fraudulent misrepresentation

- Any other liability that cannot be excluded or limited by law

11.2 Limitations of Liability

Subject to Section 11.1, we accept no liability for:

- Any loss of profit, loss of business, loss of revenue, or loss of anticipated savings

- Any loss arising from your failure to conduct adequate due diligence

- Any loss arising from changes in property market conditions, interest rates, or rental demand

- Any loss arising from your inability to secure mortgage finance or other funding

- Inaccuracies in information provided by third parties, including vendors, agents, or public records

- The performance or conduct of third-party professionals you instruct

- Any loss arising from your failure to obtain or follow independent professional advice

- Void periods, problem tenants, maintenance costs, or other property-related issues after purchase

- Changes in taxation, legislation, or regulation affecting your investment

Where we are found liable to you for any reason, our total aggregate liability shall not exceed the total fees paid by you to the Company for the specific Services giving rise to the claim, up to a maximum of £10,000.

11.3 Your Responsibility

You acknowledge and agree that:

- Property investment is undertaken entirely at your own risk

- You are responsible for making your own investment decisions based on independent advice

- You have the financial resources and sophistication to bear the risks of property investment

- Past performance is not indicative of future results

12. Data Protection and Privacy

The Company is committed to protecting your personal data. We are registered with the Information Commissioner's Office (ICO) under registration number ZB734355.

We collect, process, and store your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This includes:

- Contact information (name, address, email, telephone)

- Financial information (income, assets, source of funds)

- Identification documents (passport, driving licence, utility bills)

- Investment preferences and property criteria

12.1 How We Use Your Data

We process your personal data for the following purposes:

- To provide our property sourcing and packaging services

- To comply with legal and regulatory obligations including anti-money laundering requirements

- To communicate with you about property opportunities and services

- To introduce you to third-party professionals where appropriate

- To maintain records of our business relationship

12.2 Your Rights

Under data protection legislation, you have rights including:

- The right to access your personal data

- The right to rectification of inaccurate data

- The right to erasure in certain circumstances

- The right to restrict or object to processing

- The right to data portability

To exercise any of these rights, or for full details of how we process your data, please contact us at [email protected] or review our Privacy Policy.

If you are not satisfied with how we handle your data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

13. Complaints Procedure

We are committed to providing excellent service. If you have a complaint about our Services, please follow this procedure:

13.1 Internal Complaints Process

Step 1 - Informal Resolution: Please contact us at [email protected] outlining your complaint. We will acknowledge your complaint within 3 working days and aim to resolve it informally where possible.

Step 2 - Formal Complaint: If your concern is not resolved informally, please submit a formal written complaint to [email protected]. We will investigate your complaint and provide a full written response within 15 working days.

13.2 Independent Redress

If you are not satisfied with our response to your complaint, you may refer your complaint to our approved Alternative Dispute Resolution (ADR) provider:

Property Ombudsman

Membership Number: T11469

The redress scheme provides an independent review of complaints and can award compensation where appropriate. This service is free to use. Full details of how to access the scheme will be provided in our response to your formal complaint.

Please note that you must first attempt to resolve your complaint through our internal complaints process before referring it to the redress scheme.

14. Intellectual Property

All materials provided to you by the Company, including property analyses, investment reports, presentations, and marketing materials, remain the intellectual property of the Company.

You may use these materials solely for the purpose of evaluating property opportunities presented by us. You may not:

- Reproduce, distribute, or share our materials with third parties without written permission

- Use our materials for any commercial purpose

- Remove or alter any copyright notices or branding

15. Confidentiality

Both parties agree to keep confidential any non-public information disclosed during the course of our relationship, including:

- Your personal and financial information

- Property opportunities that are not publicly marketed

- Commercial terms and fee structures

- Any information marked as confidential

This obligation continues after termination of our relationship, except where disclosure is required by law or regulation.

16. Force Majeure

Neither party shall be liable for failure to perform obligations under these Terms where such failure is caused by circumstances beyond their reasonable control, including but not limited to:

- Acts of God, natural disasters, or extreme weather

- War, terrorism, civil unrest, or government action

- Pandemic, epidemic, or public health emergency

- Failure of utility services or telecommunications

- Changes in law or regulation

If a force majeure event continues for more than 90 days, either party may terminate the service agreement by written notice.

17. Entire Agreement and Variations

These Terms, together with any service agreement or engagement letter, constitute the entire agreement between you and the Company and supersede all previous agreements, understandings, and representations.

We reserve the right to update these Terms from time to time. Any changes will be notified to you by email at [email protected] and will take effect 14 days after notification. Your continued use of our Services after changes take effect constitutes acceptance of the revised Terms.

No variation of these Terms shall be valid unless made in writing and signed by both parties.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or regulatory authority, that provision shall be deemed severed from these Terms and the remaining provisions shall continue in full force and effect.

19. Third-Party Rights

These Terms are between you and the Company only. No third party has any right to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Act 1999.

20. Waiver

Our failure to enforce any provision of these Terms, or to exercise any right or remedy, shall not constitute a waiver of that provision, right, or remedy. Any waiver must be made in writing and signed by an authorised representative of the Company.

21. Notices

All notices under these Terms must be in writing and sent to:

For the Company:

HERITAGE PROPERTY PARTNERS LTD

21 Downland Way, Durrington, Salisbury, England, SP4 8BX

Email: [email protected]

For the Client:

To the address or email you have provided to us.

Notices sent by email shall be deemed received on the day of transmission if sent before 5pm on a working day, or on the next working day if sent after 5pm or on a weekend or bank holiday.

Notices sent by first-class post shall be deemed received 2 working days after posting.

22. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the law of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter.

If you are a consumer, you may also have the right to bring proceedings in the courts of your country of residence, and nothing in this clause affects your statutory rights.

23. Contact Information

If you have any questions about these Terms or wish to contact us regarding our Services, please use the following details:

HERITAGE PROPERTY PARTNERS LTD

Company Number: 15857766

Registered Office: 21 Downland Way, Durrington, Salisbury, England, SP4 8BX

Email: [email protected]

Regulatory Information:

ICO Registration: ZB734355

Property Redress Scheme: Property Ombudsman (Membership: T11469)