Terms and Conditions of Service

Email: hello@danielmcafee.co.uk or daniel@ila-hub.com.

Website: danielmcafee.co.uk and ila-hub.com

Business address: Whitfield Business Hub, 184-200 Pensby Road, Heswall, Wirral, United Kingdom, CH60 7RJ. This address is for correspondence only. Please do not send original documents to it.

I am a solicitor authorised and regulated by the Solicitors Regulation Authority (SRA number 8015561). I provide the agreed advice personally. My business is not a separately SRA-authorised law firm.

Independent legal advice is not a reserved legal activity under the Legal Services Act 2007. I provide it as a regulated solicitor, and my professional obligations under the SRA Standards and Regulations apply to it.

My insurance, the SRA Compensation Fund position and how to complain are set out in the Regulatory Notice, which forms part of these terms. You can check my details on the SRA register at sra.org.uk.

I explain the agreed document and its principal risks and consequences for you. I must be satisfied that I can advise independently, that you understand the advice and that you are deciding freely.

I issue the agreed certificate only where I can properly do so. Whether a lender accepts it depends on the lender's current requirements.

The service is delivered remotely: secure document upload, a private video call and electronic delivery of the outputs.

A video advice call does not itself witness your signature. I do not remotely witness your guarantee or accept incoming original documents. After the call you will usually need to sign the document in front of an independent witness who is physically present with you. Tell me about any witnessing or original-document requirement so I can explain whether I can help.

Who receives what. I email both outputs to you. The certificate is for you to pass to the lender or the lender's solicitor, or I send it to them directly if you ask me to. The record of advice is private to you. I do not send it to the lender, broker or anyone else without your instruction.

Timing. My usual timing is: electronic certificate within 24 hours of your call; posted original by 1pm the next working day if your appointment is before 3pm and you chose the posted-original option. I cannot guarantee the timing of the lender's own process or the completion of your transaction.

Conveyancing, title review or advice on the wider property transaction; negotiating with the lender or anyone else; drafting or amending the document; assessing the commercial merits of the loan or investment; advice on tax, accounting, financial products or insolvency; disputes or proceedings; any ongoing retainer; and law outside England and Wales.

If a document or issue needs advice outside this scope, I will tell you and explain the scope and fee before you decide whether to instruct me. You can also instruct another professional.

You must be 18 or over and an individual. I advise individuals, including directors signing in a personal capacity, not companies in their own right.

You must attend the call yourself. Advice cannot be given to someone on your behalf.

Each person who needs advice has their own matter, appointment, ID check, outputs and fee. Someone else may arrange or pay for your appointment. That does not entitle them to your documents, your advice or your record of advice.

Location. The advice is on the law of England and Wales. Tell me at booking if you are not a UK resident or will be outside the UK during the call. I will tell you whether I can advise; I may need to decline.

Language and adjustments. If you need an interpreter or a reasonable adjustment, tell me before the call so we can agree how it will work. Any interpreter must be independent of the transaction and of anyone else involved in it.

Posted original. If your lender requires an original wet-ink certificate, a £25 charge applies for each original pack I post, including special delivery postage. If the lender requires an original, this option is mandatory. A scan or electronic copy alone does not carry the charge.

The fee and any posting charge are shown before you pay. Payment is taken in advance by Stripe.

I am not currently VAT registered. No VAT is added to my fees.

When the contract starts. The contract is made when your payment and your calendar booking have both been confirmed and I have sent you a booking confirmation by email. The confirmation includes a link to these terms in a form you can keep. If your payment and calendar booking do not match, I will contact you. Do not pay again while that is being checked.

What payment does and does not mean. Payment secures the appointment. It does not mean I have accepted your documents as ready for advice, and it does not guarantee a certificate. I will tell you when your matter is ready for the call. If review shows I cannot support the instruction, I will explain the next step and refund you as set out in the Refund and Cancellation Policy.

If you move your appointment under the free reschedule, you keep the price you paid, even if the new slot is in the other price band.

The Refund and Cancellation Policy forms part of these terms. It sets out your statutory cancellation rights, the free reschedule, the £50 late or not-ready charge and how refunds work.

Please contact me if you believe a payment or refund is wrong.

I may respond to a payment dispute with relevant evidence, subject to my confidentiality and data protection duties. I do not send your full ID, your advice or call notes to a card scheme by default.

Nothing here restricts any statutory remedy or your right to raise a payment dispute.

Upload complete and accurate documents through the secure upload route at least 3 hours before your call.

Tell me promptly about any change relevant to the advice, including a revised document.

Join the call at the booked time, from a private space on your own, with your photo ID and working audio and video.

Do not record the call.

I will provide the service with reasonable care and skill.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability or remedy that cannot lawfully be excluded or limited.

I am not responsible for losses that were not reasonably foreseeable when the contract was made, or for losses caused by inaccurate or incomplete information you give me.

I take notes during the call and make a transcript using a transcription tool, so that I can prepare an accurate record of advice.

I do this to perform the contract and because I have a legitimate interest in keeping an accurate record of the advice I give. I will tell you at the start of the call. If you object, tell me before the call so we can discuss it.

How long notes and transcripts are kept is set out in the Privacy Notice.

If you are unhappy with my service, please tell me at hello@danielmcafee.co.uk or daniel@ila-hub.com with "Complaint" in the subject. I will acknowledge your complaint within 5 working days and send my final written response within 8 weeks.

If you remain dissatisfied after my final response, or 8 weeks pass without resolution, you may be able to refer the complaint to the Legal Ombudsman, subject to its eligibility rules and time limits. Details are in the Regulatory Notice.

Concerns about my professional conduct can be raised with the SRA.

The Privacy Notice explains how I use your personal data. It is information about processing, not a request for your consent to every purpose.

If I or an essential system is unavailable and the call cannot go ahead, I will offer you a new appointment free of charge. If you do not want one, or I cannot provide the service within a reasonable time, I will refund the fee in full.

I may update these terms. The version that applies to you is the one you accepted when you booked. I will send you that version with your booking confirmation.

These terms are governed by the law of England and Wales.

The courts of England and Wales have jurisdiction, subject to any non-excludable consumer right to bring proceedings in the courts of the part of the UK where you live.