Terms and Conditions of Service

Daniel McAfee SRA-Regulated Freelance Solicitor (SRA No: 8015561) Email: daniel@dmcafeesolicitor.com Last updated: 13 May 2026

1. Who we are and how to contact us

1.1 These Terms and Conditions (“Terms”) govern the provision of online Independent Legal Advice (“ILA”) through ILA Hub. ILA Hub is a trading name of Daniel McAfee, an SRA-regulated freelance solicitor, operating as a sole trader in England and Wales (“we”, “us”, “our”, “I”). 1.2 Daniel McAfee is a solicitor of the Senior Courts of England and Wales, authorised and regulated by the Solicitors Regulation Authority (SRA No: 8015561). The SRA’s Standards and Regulations apply to our work and can be found at sra.org.uk. 1.3 The business is operated as a sole trader in England and Wales. 1.4 You can contact us at daniel@dmcafeesolicitor.com.

2. Regulatory Notice

This Regulatory Notice gives you clear information about who will be advising you, how that advice is regulated, how to complain, and what protections apply. We are required to make this information available to you under Rule 4.3 of the SRA Transparency Rules. 2.1 The advisor and the trading name 2.1.1 The legal advice provided through ILA Hub is delivered personally by Daniel McAfee, a solicitor of the Senior Courts of England and Wales, authorised and regulated by the Solicitors Regulation Authority (SRA No: 8015561). 2.1.2 ILA Hub is a trading name of Daniel McAfee. The trading name itself is not separately authorised or regulated; the regulated person is Daniel McAfee in his individual professional capacity as a solicitor. The business operates as a sole trader. 2.1.3 Daniel practises as a freelance solicitor within the SRA’s freelance solicitor framework and provides only non-reserved legal services through ILA Hub. 2.2 Reserved and non-reserved legal activities 2.2.1 Section 13(1) of the Legal Services Act 2007 (“the Act”) provides that whether a person is entitled to carry on a reserved legal activity is determined solely by reference to the Act. 2.2.2 Section 15 of the Act determines whether a firm needs to be authorised by the SRA or another approved legal services regulator. It confirms that only firms carrying on reserved legal activities need to be authorised. 2.2.3 The reserved legal activities, set out in section 12 and Schedule 2 of the Act, are: the exercise of a right of audience before certain (higher) courts; the conduct of litigation (which can be described as the taking of formal steps in proceedings, such as issuing a claim or filing documents or forms); reserved instrument activities (which cover certain conveyancing transactions — for example, preparing and lodging transfers or charges with the Land Registry — and preparing instruments relating to court proceedings, such as pleadings); probate activities, namely preparing papers on which to seek or challenge a grant of probate or letters of administration; notarial activities (for which authorisation is granted by the Master of the Faculties); the administration of oaths. 2.2.4 The Independent Legal Advice provided through ILA Hub does not fall within any of those categories. ILA is a non-reserved legal activity. There is therefore no requirement for ILA Hub, as a trading name, to be separately authorised or regulated by the SRA. The SRA’s professional standards continue to apply to Daniel personally, as the solicitor providing the advice. 2.3 Implications under Rule 4.3 of the SRA Transparency Rules Because the trading name is not itself a regulated entity, certain protections that apply to SRA-authorised law firms do not apply in identical form. We are required to make the following clear to you: Professional indemnity insurance. SRA-authorised firms are required to hold professional indemnity insurance that meets the SRA Minimum Terms and Conditions, with a minimum level of cover of £2 million, to protect clients if something goes wrong. As a freelance solicitor providing only non-reserved services through ILA Hub, Daniel is not required to maintain insurance meeting those Minimum Terms and Conditions. Details of the insurer, level of cover, and scope of cover can be requested by emailing daniel@dmcafeesolicitor.com. SRA Compensation Fund. The SRA Compensation Fund is intended to help people who have suffered loss due to (i) the dishonesty of an SRA-regulated person or firm, or (ii) loss and hardship caused by an SRA-regulated person or firm’s failure to account for money received (including a failure to finish work for which they have been paid). Because ILA Hub is not an SRA-authorised firm and Daniel practises as a freelance solicitor providing non-reserved services, you will not be able to make a claim against the SRA Compensation Fund in respect of services provided through ILA Hub. Legal Ombudsman. Because ILA Hub is not an SRA-authorised firm, you do not have a right to complain to the Legal Ombudsman about ILA Hub as a separate entity. However, you do retain the right to complain to the Legal Ombudsman about Daniel personally — as a solicitor regulated by the SRA — in relation to the service he has provided to you or his professional conduct. The procedure for doing so is set out in section 14 (Complaints). Solicitors Regulation Authority. You can verify Daniel’s regulatory status on the SRA’s public register at sra.org.uk. Complaints about his professional conduct (as opposed to the quality of service) may be made to the SRA.

3. The service I provide

3.1 I provide online ILA. This is a focused, document-specific advisory service in which we explain a defined legal document to you, confirm you understand it, confirm you are signing freely, and issue a signed ILA certificate suitable for your lender or counterparty. 3.2 As noted in section 2, ILA is a non-reserved legal activity within the meaning of the Legal Services Act 2007. Although a solicitor is not legally required to perform it, we provide it as a regulated solicitor and the SRA’s professional obligations apply. 3.3 Our service is delivered remotely by video call, supported by electronic document exchange and electronic signature.

4. What is included

4.1 Your fee covers: Pre-call review of the documents you have provided; Identity and address verification; A scheduled video consultation of up to the duration stated at booking (typically 30 minutes); Plain-English explanation of the document, its operative provisions, and the principal risks and consequences for you; Issue of a signed ILA certificate to the requesting party (your lender, their solicitor, your conveyancer, or another nominated recipient).

5. What is not included

5.1 The service expressly excludes: Conveyancing advice, title review, or any review of the underlying property transaction; Negotiation with the lender, the borrower, or any third party; Drafting or amendment of the document on which advice is given; Ongoing advisory or retainer services; Advice on tax, accountancy, financial products, regulated financial advice, or insolvency; Litigation, dispute resolution, or representation in proceedings; Any matter outside the law of England and Wales. 5.2 If you require any of the above, you should instruct a separate solicitor or other appropriate professional.

6. Eligibility

6.1 To use the service you must: Be aged 18 or over; Be an individual (we do not provide ILA to corporate bodies in their own right, though we advise individual directors signing in a personal capacity); Reside or be present in England and Wales for the duration of the call (we may decline to advise if you are outside this jurisdiction); Attend the call personally — the advice cannot be delivered to a representative on your behalf; Provide acceptable photographic identification and proof of address; Have sufficient command of English to engage with the advice (if you require an interpreter, please tell us before booking).

7. Fees and payment

7.1 The fee for the service is the amount stated at booking. Fees are payable in full, in advance, via our payment provider (Stripe). 7.2 No work will commence and no booking is confirmed until payment has cleared. 7.3 We are not currently VAT registered; no VAT is added to our fees.

8. Refunds, cancellations and rescheduling

8.1 Refunds and cancellations are governed by our separate Refund and Cancellation Policy, which forms part of these Terms. 8.2 In summary: A full refund is available where no call has taken place and you request cancellation within 24 hours of booking, subject to clause 8.3; Free rescheduling is permitted once, with a minimum of 2 hours’ notice; No refund is payable where you fail to attend the booked call without giving at least 2 hours’ notice; Once the call has taken place and the ILA certificate has been issued, the service is treated as delivered in full. 8.3 Consumer cancellation rights. If you are a consumer, you may have a statutory right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel within 14 days of booking. By booking a call within 14 days of the booking date and expressly requesting that the service commence within that period, you agree that your right to cancel will be lost once the call has taken place. We will draw this to your attention at the point of booking.

9. Chargebacks and disputed payments

9.1 By making payment you confirm that you have read these Terms, understand the service to be provided, and agree to be bound by the refund and cancellation provisions. 9.2 Where the service has been delivered in accordance with these Terms and the certificate has been issued, any chargeback or payment dispute initiated by you will be defended. 9.3 We reserve the right to recover from you the original fee plus reasonable, vouched out-of-pocket costs incurred in disputing the chargeback (including any chargeback fee levied on us by the card scheme or our payment processor).

10. Your responsibilities

10.1 You agree to: Provide complete and accurate documents and information; Tell me promptly of any change in circumstances relevant to the advice; Attend the call at the scheduled time, in a private environment, with adequate audio and video; Not record the call (we will record it under clause 12; you may request a copy under our Privacy Policy).

11. Limitation of liability

11.1 Nothing in these Terms limits or excludes our liability for: Death or personal injury caused by our negligence; Fraud or fraudulent misrepresentation; Any matter for which liability cannot lawfully be limited or excluded. 11.2 Subject to clause 11.1, our total aggregate liability to you in contract, tort (including negligence), breach of statutory duty or otherwise, arising out of or in connection with the service, is limited to the fee paid by you for that service. 11.3 Subject to clause 11.1, we will not be liable for any: Loss of profits, business, contracts, revenue, or anticipated savings; Loss of opportunity; Indirect, special, or consequential loss; Loss arising from delay or failure of the underlying transaction; Loss arising from your failure to provide complete or accurate information, or your decision to act contrary to the advice given. 11.4 Daniel holds professional indemnity insurance that is adequate and appropriate to the scope, type, and value of the work carried out through ILA Hub. As explained in section 2.3, this insurance is not required to meet the SRA Minimum Terms and Conditions because the work is non-reserved and is carried out through a freelance practising arrangement. Details of the insurer, level of cover, and scope of cover are available on request.

12. Recording of calls

12.1 ILA calls are recorded. The recording forms part of our file and is retained as evidence that advice was given. 12.2 The legal basis for recording is the performance of our contract with you and compliance with our regulatory and evidential obligations as a solicitor. 12.3 You will be reminded that the call is being recorded at the start of each session.

13. File retention

13.1 We retain client files (including documents, identification evidence, correspondence, and the call recording) for 7 years from the date of issue of the ILA certificate, in accordance with SRA expectations and professional indemnity requirements. 13.2 Files are then securely destroyed unless we are required by law to retain them longer.

14. Complaints

14.1 I aim to provide a service that you will not need to complain about. If something goes wrong, please tell me as soon as possible. 14.2 First stage. Send your complaint by email to daniel@dmcafeesolicitor.com, marked “Complaint”. We will acknowledge within 5 business days, investigate, and provide a substantive written response within 8 weeks. 14.3 Legal Ombudsman. If you are dissatisfied with our final response, or if 8 weeks have passed without a final response, you may refer your complaint to the Legal Ombudsman in relation to the service provided to you by Daniel personally: Website: legalombudsman.org.uk Telephone: 0300 555 0333 Post: Legal Ombudsman, PO Box 6167, Slough, SL1 0EH 14.4 You must usually refer a complaint to the Legal Ombudsman within 6 months of our final written response, and within 1 year of the act or omission complained of, or within 1 year of when you should reasonably have known there was cause for complaint. 14.5 As explained in section 2.3, the Legal Ombudsman accepts complaints about Daniel as an individual SRA-regulated solicitor. The route of complaint to the Legal Ombudsman in relation to ILA Hub as a separate entity is not available because ILA Hub is a trading name and not a regulated firm. 14.6 SRA. Complaints about Daniel’s professional conduct as a solicitor (as opposed to the quality of service) may be made to the Solicitors Regulation Authority at sra.org.uk.

15. Data protection

15.1 Personal data is processed in accordance with our Privacy Policy, which forms part of these Terms.

16. Force majeure

16.1 I will not be liable for failure or delay caused by events outside our reasonable control, including illness, power or internet outage, or unavailability of essential third-party platforms. We will offer rescheduling at no cost in such cases.

17. Changes to these Terms

17.1 I may update these Terms from time to time. The version applicable to you is the version in force at the time of your booking.

18. Governing law and jurisdiction

18.1 These Terms and any dispute or claim arising out of or in connection with them are governed by the law of England and Wales. 18.2 The courts of England and Wales have exclusive jurisdiction to settle any dispute or claim, subject to any non-excludable consumer rights you may have to bring proceedings in the courts of your country of residence.