Our Terms

Please find our terms and conditions for our website. It contains all the useful information you need to know about using our site.

Our Website

The Website

What we do as a business

Leads The Way websites provide generic information to help you in your search for a service provider or in considering a product from one of our approved partners.

This information is provided to you purely for assistance only and is not intended to be construed as advice nor is such information a personalised representation directed to your specific circumstances.

Third-parties

If you provide us with basic requirements via our enquiry form, Leads The Way will attempt to introduce you to a third party company who we think will be able to help you with your current situation. That is our sole aim and that introduction will only be at your request (by submitting the form). That introduction is made in good faith and Leads The Way does not and can not provide any guarantee or warranty that the third party firm we introduce you to will be able to meet your unique needs or your exacting standards. This is dealt on a personal basis once the approved partner has contacted you to discuss your situation in further detail.

Leads The Way in some cases may validate some of the data you provide in order to check that an address or telephone number conform to the normal formats for such data (eg, telephone numbers can only contain numebers and not letters). This is to avoid contact failures due to simple errors by our users. Leads The Way will also vet that the service or product you are interested in is one offered by the arranger we introduce you to and this is to ensure that the approved partner has the capability to assist our users once an enquiry has been made.

If Leads The Way are claiming some details on our websites about a partner or the panel of partners, then Leads The Way will have taken basic steps to check those details as far as possible with the company(ies) in question. Checks are only taken at certain times and Leads The Way provides no guarantee that an approved partner will not make changes to their business processes in the future. We will endeavor to update any data on our website should we learn from the partner that such changes have commenced.

Leads The Way will advise you of the approved company who will be making contact with you in an auto-reply email once your submission has been made. The auto-reply email will also contain a copy of the full data you submitted.

Our obligation to you

By using this website you acknowledge and agree that Leads The Way do not act in any way as your agent or as the agent for any of the third party companies and services we use on this Website. Leads The Way does not commit you to using any third party products or service represented on the Website and any third party service you use or any product or service you purchase from a third party you do so at your own discretion and based on your own judgment. The agreement is between you and the third party provider, not between you and Leads The Way.

Once Leads The Way has matched and transmitted your request for contact, Leads The Way is no longer under any obligation to you.

Leads The Way or one of their trading names (The IVA People or theivapeople.com) will use your contact details that you provided on this website to notify you about any other relevant financial offers from them or the partners they work with. We will not pass your details to any other companies or third parties except for the primary data passed once the initial enquiry has been made from our enquiry form.

By entering your details on the Website you agree that you are interested in receiving communications about possible solutions and would like to be contacted about them by an approved provider.

All email communications and attachments sent by Leads The Way, their trading names or a third party company sending the emails on their behalf, are intended only for the addressee and/or others authorised and that have agreed to receive them.

Email communications

All email communications by Leads The Way are intended only for the addressee and/or others authorised to receive them, this is namely the third-party partner and yourself whom both receive a copy of the form you submit.

Leads The Way makes no warranties nor can it assume any responsibility for:

  • the quality of service offered by any third party featured on this Website
  • the content of any third party website that links to from this Website.

Information on this website

Where Leads The Way displays information on the website, that information will have been obtained and displayed in good faith. Whilst Leads The Way uses reasonable efforts to obtain information from reliable sources, such information is intended as generic information for educational purposes only. If you wish to rely on certain information as being applicable to your unique needs then you must take this up with the arranger you are introduced to.

Your Personal Data

Your Privacy

Any information You provide us or which we retrieve about you will be handled as per our privacy policy and by using this website you agree to the Leads The Way Privacy Policy.

Third parties

When you submit details on our Website, Your details will automatically be sent to a third party company / approved partner. By submitting Your details, You agree that You are giving an active invitation as required by the Privacy and Electronic Communications (EC Directive) Regulations 2003 to receive a telephone call from a third party provider.

The third party provider will either be named on our web site or You will be informed of the name of the third party company to whom your details have been transferred before you receive the call – usually in the auto-reply emai confirmation, and the subject of the call will always be related to the products/subjects displayed on the Website that you have enquired about.

Submitting details

By submitting your details, you give Leads The Way (or a company on behalf of Leads The Way) authority to contact you using the contact details you provided with regards to other products and services provided by or through Leads The Way unless we are otherwise informed.

If you provide personal or sensitive data about any other person then you agree that you will obtain all necessary authorisations from them to provide such data. We are not liable for information provided about someone else and are trusting that the person submitting the data provides correct data at the point of submission of the data.

You agree that Leads The Way may use another third party to transmit your details to an arranger. We also log details of the enquiry in a secured database temporarily which acts solely to confirm that an enquiry has been made. This is only for our benefit as to confirm numbers of such enquiries made to the third party firms over a period of time.

Title

Use of information

Leads The Way is a company engaged in the provision of introductions to financial services in relation to IVA’s, Debt Management solutions, bankruptcy solutions, insurances and other debt solutions. Leads The Way’s aim is to provide generic information which may be of assistance to those seeking such financial services. Leads The Way will then use information provided by you to introduce you to a third-party provider and arranger who deals in the service you have shown interest in by submitting the enquiry form. Leads The Way conducts this service using information provided to it by others. Leads The Way will not charge you for this service and any match between your needs and the services offered by an arranger is done in good faith.

Financial Advice

No financial information featured on the Website or accessed by you as a result of a link displayed on the Website is intended or considered to be financial advice offered by Leads The Way. We do not provide any financial advice directly on our website whatsoever.

Leads The Way advises that when looking at any financial product or service you read the full terms of that product carefully and if you are in any doubt as to its meaning or effect that you seek qualified independent financial advice.

Third parties

Leads The Way cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party present on the Website. Those terms are entirely separate to these Leads The Way Terms and Conditions. Before you enter into any agreement with a third party we recommend that you read their terms and Conditions very carefully and seek independent advice where necessary. Once a form has been submitted to our approved partners, that is the end of your involvement with Leads The Way, The IVA People or theivapeople.com.

Leads The Way may receive commission or fees as a result of your use of the services of third party providers featured on the Website. We do not charge You for the services that we offer in any way. Once the introduction has been made Leads The Way has fulfilled its obligations and is no longer involved after that point and has no continued responsibility to you after that point.

To the extent permitted by law, Leads The Way exclude any liability for an inaccuracies present on the Website.

Intellectual Property, Trademarks, Copyrights

Our website

You may download and use the Website for your private, non-commercial, personal use only, provided that you retain all copyright notices and other proprietary notices contained on the Website. You may not sub-licence or deal in this right without Leads The Way’s prior written permission.

Use of the site

No person other than the rightful owner or licensee of such Intellectual Property Rights may:

  • hack, attempt to hack, distribute, modify, transmit, re-use, re-post, or use any or all of the Website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without Leads The Way’s or the relevant licensee’s prior written permission;
  • provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the Website without Leads The Way’s prior written permission;
  • display, publish, copy, print, post or otherwise use the Website and the information contained therein for the benefit of any other website without Leads The Way’s or the relevant licensee’s prior written permission;
  • process or otherwise use the information contained on or within the Website for any illegal or immoral purpose nor use or process the same unfairly.

Ownership

All copyright, design rights, database right, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any applications therefore (“Intellectual Property Rights”) in the Website belong to and vest in Leads The Way, or are licensed to Leads The Way unless otherwise specified. All such rights of Leads The Way are hereby asserted and reserved.

Liabilities

Leads The Way provides and maintains the Website to help you get a basic understanding of financial service products, to assist you by providing generic information about certain financial services products and to assist you in finding a financial service provider. Leads The Way sources the information provided from third parties and shall be liable only to provide its services with reasonable skill and care and gives no other warranty in connection with the Website.

Subject as aforesaid, to the maximum extent permitted by law, Leads The Way excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to Leads The Way and Leads The Way shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:

  • any incorrect or inaccurate information on the Website to the extent that such information has been displayed generally as provided to Leads The Way or is an approximation or statistical representation of information provided to Leads The Way.
  • all interruptions to or delays in updating the service;
  • the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the Website;
  • any amount or kind of loss or damage due to viruses or other malicious software that may infect a user’s computer equipment, software, data or other property caused by persons accessing, using or downloading the Website, or from transmissions via emails or attachments received from Leads The Way or its licensees;
  • the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties (“External Sites”) to which the Website link and web site located on or through any External Site nor for any transactions involving External Sites (including as to ‘cookies’, personal data, confidential information, or purchases of domain names or other services). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, web site or transactions;
  • all representations, warranties, conditions and other terms which but for this notice would have effect.

These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law or regulation nor shall it exclude or limit Leads The Way’s liability for death or personal injury resulting from its negligence nor any fraudulent representation.

Leads The Way have used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards however it cannot account for the accuracy of information provided to it by others or posted by users of the Website.

However it is agreed, acknowledged and understood that:

  • The Website and all the services contained within are provided as an informed introduction service only and are not intended or held out to replace or represent appropriate financial advice;
  • Financial advice and the financial markets are constantly evolving and Leads The Way cannot guarantee that all of the information displayed on the Website is completely up-to-date;

Use of this website

The Website is to be used solely for private, non-commercial, personal purposes only. Accordingly, you undertake not to:

  • use the Website for any commercial or business purpose;
  • use your access to the Website, or information gathered from it, for the sending of unsolicited bulk email.

Termination

Leads The Way shall be entitled to terminate this Agreement and immediately remove, cancel or suspend access to and use of the Website upon your breach of any part of these Terms whatsoever.

Termination shall be without prejudice to the accrued rights of either party.

Leads The Way will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including (without limitation) Internet outages, communications outages, fire, flood, war or act of God.

General Terms

Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights).

All questions, comments or enquiries should be directed by email to .

Leads The Way acts as principal on its own account and not as agent for you or any other person. Leads The Way is under agreement to provide financial services introductions to a third party company who then passes those introductions to arrangers.

If Leads The Way does not enforce any provision of this agreement such will not be considered a waiver of any provision or right.

In the event that any part of these terms and conditions is held to be unenforceable, such part will at Leads The Way’s option be construed as far as possible to reflect the parties’ intentions and the remainder of the provisions will remain in full force and effect.

These terms and conditions constitute the entire agreement between you and Leads The Way and shall apply to the exclusion of all other terms or conditions of contract which you may purport to propose.

Use of Leads The Way and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.

It is hereby asserted that the Website is intended for and directed at the UK and no representation or warranty is made as to whether the Website complies with the regulatory regime and local laws of any other countries.

Complaints

The IVA People and theivapeople.com is the trading name of Leads The Way, a web-based lead generation company, an affiliate of The Debt Advisor Ltd.

If your complaint is specifically regarding the use on our website, then please email us in the first instance at .

If your complaint is in regard to the financial solution, the plan offered or anyone you have spoken to, it is most likely with the debt solution provider and you should use their complaints procedure, outlined here: http://www.thedebtadvisor.co.uk/complaints.aspx