Terms of Service .

Terms & Conditions

Effective Date: Jan/01/2024
Company Name: Hank Zarihs Associates
Registered Office: 2nd Floor North Park House, the Precinct, High Road, Broxbourne, EN10 7HY
Email: shiraz@hankzarihs.com
Phone: +44 (0) 20 3889 4403

1. Introduction

These Terms and Conditions govern your use of the services provided by Hank Zarihs Associates (“we”, “us”, “our”), including all financial brokerage, consultancy, and advisory services. By engaging our services, you agree to these Terms.

2. Services Offered

Hank Zarihs Associates acts as a financial intermediary, introducing clients to lenders for development finance, bridging loans, commercial mortgages, VAT loans, and related funding products. We do not lend money directly.

3. Client Obligations

• Clients must provide accurate, complete, and up-to-date information during the application process.

• Any misrepresentation or omission of key details may result in the cancellation or delay of funding.

• Clients must comply with all relevant regulations, including anti-money laundering (AML) requirements.

4. Fees and Commissions

• We may charge arrangement, consultancy, or broker fees, which will be clearly disclosed before any service agreement is made.

• In some cases, we may receive commissions from lenders, which we may retain.

5. No Guarantee of Funding

While we strive to match clients with suitable lenders, we do not guarantee loan approval, funding amounts, or interest rates. Final decisions rest solely with the lender.

6. Confidentiality

All client data is handled in accordance with applicable data protection laws. We maintain confidentiality unless disclosure is required by law or with the client’s explicit consent.

7. Third-Party Links

Our website or communications may include links to third-party websites. We are not responsible for the content, privacy practices, or services of such external sites.

8. Limitation of Liability

To the fullest extent permitted by law, Hank Zarihs Associates shall not be liable for:

• Any indirect, incidental, or consequential damages.

• Loss of data, revenue, or profit arising from the use of our services.

• Decisions made based on information or advice provided by us.

9. Termination

We reserve the right to terminate services or agreements at our discretion if clients breach these terms or act fraudulently.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction – e.g., England and Wales]. Disputes will be subject to the exclusive jurisdiction of the courts in that jurisdiction.

11. Amendments

We may update these Terms and Conditions at any time. Clients will be notified of material changes, and continued use of our services constitutes acceptance of the updated terms.