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Terms of Use

The Service

This Website is a service provided by BMA, which is a trading name and trademark of the British Medical Association. The British Medical Association is an introducer appointed representative of Chase de Vere Independent Financial Services Limited (CDVFSL), Lloyd & Whyte Ltd (LWL) and London & Country Mortgages (LCM). CDVFSL is an independent financial adviser, LWL arranges and provides services in respect of general insurance products and LCM provides mortgage advise and service. CDVFSL, LWL and LCM are authorised and regulated by the Financial Conduct Authority. CDVFSL, LWL and LCM are licensed by the BMA to trade as BMA.

Any reference to "we", "us" or "our" means BMA and its accredited partners.

The Financial Conduct Authority does not currently regulate tax planning and advice, conveyancing, loans and credit cards, deposit and current accounts.

Terms and conditions of use of this Website

Access and use of this Website is subject at all times to the following terms and conditions of use ("Terms of Use"). By accessing this Website, you confirm that you have read and understood the Terms of Use and you signify your acceptance of the same.

Accuracy of information

All reasonable efforts have been taken to ensure that the information published in this Website is accurate and complete. However, neither BMA nor its accredited partners warrant that the information is accurate or complete.

Certain information within this Website is provided by third parties and you acknowledge and agree that neither BMA nor its accredited partners have any control over the accuracy or completeness of such third party data.


The information published from time to time in this Website is intended for general information only and should not be construed as advice under the Financial Services and Markets Act 2000 or a recommendation to purchase a particular product, service or benefit. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts. Some costs quoted in this Website are indicative rather than definitive and they do not constitute an offer to buy or sell or provide any products, services or benefits.


You may use this Website for your own private, non-professional use only. You may not use, copy, disseminate, distribute or re-sell the information supplied by this Website (or any part of it) for any commercial use or purpose whatsoever without our prior written consent. If you copy, frame, cache, deep link or set up a direct feed of any of the pages of this Website, the Terms of Use and the Disclaimer will continue to apply.

This Website has been specifically designed for use solely in the United Kingdom. You must not use this service in countries where it is restricted or prohibited by local laws, regulations, codes or customs.

Limitation of Liability

Nothing in these Terms of Use restrict or exclude our liability to you for death or personal injury caused by our negligence.

Subject to the above, neither we nor your employer shall be liable for any loss, damages, costs, claims or expenses whatsoever arising from or in relation to:

the acts, errors or omissions of third parties;

the accuracy or completeness of any information published in this Website;

the products and services of third party providers;

your failure to ensure the security of your ID and password; and

your use of this Website otherwise than in accordance with the Terms of Use.

In no circumstances shall we be liable for any indirect or consequential loss or damages whatsoever (including, without limitation, loss of profits) incurred by you or in respect of any claim made against you by any third party in connection with this Website.

This Website is provided 'as is'. All warranties whether express or implied under law (including, without limitation, any warranties in relation to the information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness for purpose and infringement of third party property rights) are hereby expressly excluded to the fullest extent permitted by law.

Termination of this Website and withdrawal of access

We reserve the right to cancel your access to this Website or terminate the provision of this Website (or any part of it) to you without notice or reason.

In particular, you must not at any time:

prevent, restrict or inhibit any other person from using this Website;

post or transmit any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information, content or materials of any kind (including, without limitation, any transmissions constituting or encouraging conduct that would give rise to criminal or civil liability, or otherwise violate any laws, rules, regulations, codes or conduct or market conventions);

post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding;

copy, upload, download, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through this Website (including, without limitation, any text, data, graphics or programming code) without our prior written consent.

You acknowledge and agree that we may (without prejudice to any other rights or remedies available to us) immediately terminate your user access if you fail to comply with these Terms of Use.

Links to and from this Website

Some pages on this Website contain links to websites not operated or maintained by BMA . You are reminded that when you enter third party websites by means of a link from this Website, you will be subject to the terms and conditions of the third party websites you are entering.

We provide links to third party websites for your convenience only. You acknowledge and agree that we are not responsible or liable in any way for the information or content displayed on such third party websites (including, without limitation, financial promotions or advertisements about investment products) and that we do not endorse or make any recommendation about the products and services displayed on such third party websites.

The links on this Website may also take you to third party websites where advice or trading is possible. You acknowledge and agree that we are not responsible or liable in any way with regard to any advice or trading which may be conducted by such third parties.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales and you agree to submit to the exclusive jurisdiction of the courts of England and Wales.

Transfer of this Website

Notwithstanding anything else that has been agreed or represented (in these Terms of Use, Privacy Policy or otherwise) if this Website is transferred to another provider, we may transfer to the new provider any information which we have obtained from you in connection with this Website, providing the new provider undertakes (in terms which are enforceable by you) to hold it in accordance with the Privacy Policy and the Terms of Use.


What is a Cookie?

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are.

A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.

Two types of cookies are used on this website:

Session Cookies:
These are temporary cookies that remain in the cookie file of your browser until you leave the site.

Persistent cookies:
These remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie). Most major websites use cookies. Cookies cannot be used by themselves to identify you.

How do we use Cookies on our Site and what Information do we collect?

Session Cookies.
To allow you to use our tools. These session cookies contain no personal information and are destroyed once you close your browser.

Persistent Cookies.
To compile anonymous, aggregated statistics that allow us to understand how users use our site and to help us improve the structure of our website. We cannot identify you personally in this way.

Can I Disable Cookies?

You have the ability to accept or decline cookies by modifying the settings in your browser. However, you may not be able to use certain tools or services if cookies are disabled.

What can I do to stop cookies being installed on my browser?

In Internet Explorer 5.0: Go to the 'Tools' menu, Click on 'Internet Options', Click the 'Security' tab, Highlight the 'Internet' zone (selected by default), Select security level 'High' for this zone, Click on 'OK'.

In Internet Explorer 6.0: Go to the 'Tools' menu, Click on 'Internet Options', Click the 'Privacy' tab, Move the slider to determine which setting you prefer, you can also click on 'Advanced' for specialised cookie treatment.

If you are using Netscape 6.0+: Go to 'Edit' in the menu bar, Click on 'Preferences', Click on 'Advanced', Select the 'Cookies' field, Tick either 'Warn Me Before Accepting a Cookie' or 'Disable Cookies', Click on 'OK'

If you are using Firefox 1.5 +: Go to the 'Tools' in menu bar, Click on 'Options', Click on the 'Privacy' option and click the 'Cookies' tab. Use the options within here to determine which settings you prefer.

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.


From time to time, we may change the Terms of Use, the Disclaimer, the Privacy Policy and any other terms and conditions applicable to this Website (or any part of it). By continuing to use this Website, you indicate that you have accepted any such changes.

The British Medical Association is an Introducer Appointed Representative of Chase de Vere Independent Financial Advisers Limited, Lloyd & Whyte Limited and London & Country Mortgages. Chase de Vere is an independent financial adviser, Registered Office: 60 New Broad Street, London, EC2M 1JJ. Registered No. 2090838. London & Country provides services in respect of mortgages, Registered Office: Beazer house, Lower Bristol Road, Bath, BA2 3BA. Registered No. 143002. Lloyd & Whyte Limited arranges and provides services in respect of general insurance products, Registered Office: Affinity House, Bindon Road, Taunton, Somerset TA2 6AA. Registered No. 3686765. Chase de Vere Independent Financial Advisers Limited, London & Country Mortgages and Limited and Lloyd & Whyte Limited are authorised and regulated by the Financial Conduct Authority (excluding card processing) and are licensed by the BMA to trade BMA. Calls to Lloyd & Whyte may be recorded for use in quality management, training and customer support. Moneycorp is a trading name and trade mark of TTT Moneycorp Limited.  TTT Moneycorp Limited is a company registered in England under registration number 738837.  Its registered office address is 2 Sloane Street, London, SW1X 9LA and its VAT registration number is 897 3934 54. TTT Moneycorp Limited is authorised and regulated by the Financial Conduct Authority for the provision of payment services.