Common use of Rights to Cancel Clause in Contracts

Rights to Cancel. In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. In general terms you will normally have a 30-day cancellation period for a pure protection policy and payment protection contracts and a 14-day cancellation period for all other policies. Additionally, in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you will have a 14-day cancellation period. Finally, any contracts arranged at your explicit consent (normally referred to as ‘execution only’) do not provide cancellation rights. The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. Complaints Our complaints procedures are available on request. If you wish to register a complaint, please contact us in writing to The Compliance Director, Best Practice IFA Group Limited, Xxxxxx Xxxxx, Xxxxx Xxxxxx, Xxxxxxx, Xxxx Xxxxxx. XX00 0XX. Alternatively, you can telephone 00000 000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) further details of the FOS can be found at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0300 123 9 123. Compensation Scheme We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business, the circumstances of the claim and the eligibility of the claimant. Most types of investment, insurance, pension business and mortgages are covered by the FSCS up to specific limits, generally these limits are: Investments – most types of investment business are covered for up to a maximum of £50,000. Pensions – most types of pension business are covered for up to a maximum of £50,000. Insurance – most types of insurance contacts are covered for 90% of the claim, without any upper limit. Mortgages – advising and arranging is covered up to a maximum of £50,000. Further information about this compensation scheme arrangement and limits that apply to the various types of business can be found on the FSCS website - xxx.xxxx.xxx.xx or by contacting them on 0800 678 1100.

Rights to Cancel. In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. In general terms you will normally have a 30-day cancellation period for a pure protection policy and payment protection contracts and a 14-day cancellation period for all other policies. Additionally, in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you will have a 14-day cancellation period. Finally, any contracts arranged at your explicit consent (normally referred to as ‘execution only’) do not provide cancellation rights. The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. Complaints Our complaints procedures are available on request. If you wish to register a complaint, please contact us in writing to The Compliance Director, Best Practice IFA Group Limited, Xxxxxx XxxxxSussex House, Xxxxx XxxxxxNorth Street, XxxxxxxHorsham, Xxxx XxxxxxWest Sussex. XX00 0XXRH12 1RQ. Alternatively, you can telephone 00000 000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) further details of the FOS can be found at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx or by contacting them on 0300 123 9 123. Compensation Scheme We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business, the circumstances of the claim and the eligibility of the claimant. Most types of investment, insurance, pension business and mortgages are covered by the FSCS up to specific limits, generally these limits are: Investments – most types of investment business are covered for up to a maximum of £50,000. Pensions – most types of pension business are covered for up to a maximum of £50,000. Insurance – most types of insurance contacts are covered for 90% of the claim, without any upper limit. Mortgages – advising and arranging is covered up to a maximum of £50,000. Further information about this compensation scheme arrangement and limits that apply to the various types of business can be found on the FSCS website - xxx.xxxx.xxx.xx or by contacting them on 0800 678 1100.

Rights to Cancel. In most cases We will inform you can exercise a of your statutory right to cancel, by withdrawing from the contract recommended to you. In general terms The Distance Marketing Directive normally grants you will normally have a 30-day cancellation period for a pure protection policy and payment protection contracts and a 14-day cancellation period for all other policies. Additionally, 30 days in most instances which you will not be able to exercise a right to may cancel a mortgage life or pension contract. However, unless the there will be occasions where no statutory rights are granted, although this will be explained before any contract is concluded at a distance (i.e. no face to face advice), at which point you will have a 14-day cancellation period. Finally, any contracts arranged at your explicit consent (normally referred to as ‘execution only’) do not provide cancellation rights. The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to youconcluded. Complaints Our complaints procedures are available on request. If you wish to register a complaint, please contact us in us: ….in writing Write to The Compliance Director, Best Practice IFA Group Limited, Xxxxxx XxxxxBroadlands Business Campus, Xxxxx XxxxxxLanghurstwood Road, XxxxxxxHorsham, Xxxx XxxxxxWest Sussex, RH12 4QP. XX00 0XX. ….by phone Telephone 00000 000000 Alternatively, you can telephone 00000 000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) further details of the FOS can be found at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx www.financial- xxxxxxxxx.xxx.xx or by contacting them on 0300 123 9 1230800 023 4 567. Compensation Scheme We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business, the circumstances of the claim and the eligibility of the claimant. Most types of investment, insurance, pension business and mortgages are covered by the FSCS up to specific limits, generally these limits are: Investments – most types of investment business are covered for up to a maximum of £50,00085,000. Pensions – most types of pension business are covered for up to a maximum of £50,00085,000. Insurance – most types of insurance contacts are covered for 90% of the claim, without any upper limit. Mortgages – advising and arranging is covered up to a maximum of £50,00085,000. Further information about this compensation scheme arrangement and limits that apply to the various types of business can be found on the FSCS website - xxx.xxxx.xxx.xx or by contacting them on 0800 678 1100. Law These Terms of Business are governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.

Rights to Cancel. In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. In general terms you will normally have a 30-day cancellation period for a pure protection policy and payment protection contracts and a 14-day cancellation period for all other policies. Additionally, in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face-to-face advice), at which point you will have a 14-day cancellation period. Finally, any contracts arranged at your explicit consent (normally referred to as ‘execution only’) do not provide cancellation rights. The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. Complaints Our complaints procedures are available on request. If you wish to register a complaint, please contact us in writing or e-mail to The Compliance Director, Best Practice IFA Group the “Complaints Manager” xxxxxxxxxx@xxxxxxxxxxxxxxxx.xx.xx Benchmark Capital Limited, Xxxxxx XxxxxBroadlands Business Campus, Xxxxx XxxxxxLanghurstwood Road, XxxxxxxHorsham, Xxxx Xxxxxx. XX00 0XXWest Sussex, RH12 4QP. Alternatively, you can telephone 00000 000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) further details of the FOS can be found at xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx www.financial- xxxxxxxxx.xxx.xx or by contacting them on 0300 123 9 1230800 023 4 567. Financial Services Compensation Scheme We You are covered by the UK Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business, the circumstances of the claim and the eligibility of the claimant. Most types of investment, insurance, pension business and mortgages are covered by the FSCS up to specific limits, generally these limits are: Investments – most types of investment business are covered for up to a maximum of £50,00085,000. Pensions – most types of pension business are covered for up to a maximum of £50,00085,000. Insurance – most types of insurance contacts are covered for 90% of the claim, without any upper limit. Mortgages – advising and arranging is covered up to a maximum of £50,00085,000. FSCS is the UK's compensation fund that compensates you when Financial companies have failed and can't pay claims. FSCS limits vary dependent on the product recommended and the location of the provider through which the product is issued, we will confirm in the suitability letter which scheme, if any, you will be covered under, and limits available. Further information about this compensation scheme arrangement and limits that apply to the various types of business can be found on the FSCS website - xxx.xxxx.xxx.xx or by contacting them on 0800 678 1100.