Terms of business
All work undertaken by the Company for its Clients is governed by these Terms of Business and any agreed written variation.
The Client relationship is solely with the Company, and the Company has sole legal liability for the work done for you and for any act or omission in the course of that work. No member, consultant or employee of the Company will have any personal legal liability for that work whether in contract, tort or negligence.
You are reminded that you will be bound by the contents of all signed documents and you are strongly advised to read all documents thoroughly and to raise any queries before signature. Under no circumstances should a document be signed unless you thoroughly understand it and are satisfied with its contents in all respects. The terms in this document as supplemented and/or by any relevant letter of engagement / client care letter (the ‘Terms’) apply to each Matter in relation to which the Company is instructed.
2. Who Are We
Universal Wealth Preservation is a legal services firm which is a trading name of Universal Tax Solutions Limited which is a company registered in England and Wales under Company No. 06825924 whose registered office is at Dencora House, 34 White House Road, Ipswich, Suffolk IP1 5LT (“the Company”). Pursuant to these Terms the following terms shall have the following meanings:-
“us” or “we” or “our” or “firm” shall mean the Company and any successor company
“you” or “your” shall mean our Client
“Client” shall mean the person(s), firms or company purchasing services from the Company.
‘Matter’ means any specific transaction in relation to which you ask us to provide services whether or not it has been defined in a letter or engagement or other agreement.
“Services” shall mean our products and services provided to you in relation to a specific Matter whereby this may include various products brought together to form a package (‘Package’).
Hours of Business
Our normal opening hours are from 09.00 to 17.30 Monday to Friday. Please note that we do not normally provide our services outside of the day and times stated above except where we have made prior arrangements with you
3. What We Expect From You
We shall be entitled to assume that whoever gives us instructions to provide services in relation to a Matter has actual authority to do so and we shall be entitled to rely on any information provided to us by that person.
Where instructions are given on behalf of a company, LLP or other organisation we shall be entitled to assume that the Terms have been brought to the attention of and approved by the directors of the company, members of the LLP or, in the case of any other organisation, the appropriate officers of that organisation.
Where our client consists of more than one person or entity, the liability of those persons or entities is joint and several. Each joint client irrevocably permits us to disclose to any other of the joint clients at any time any information which we would otherwise be prohibited from so disclosing by virtue of our duty of confidentiality. If any joint client ends this permission during the provision of the relevant services, or if a conflict of interest arises between joint clients, we may suspend or terminate the provision of the services related to that matter to one or more of the joint clients. Where you are instructing us as husband and wife/co-habitees/partners you hereby jointly agree that until you inform us to the contrary instructions from one of you will be deemed to be instructions of you both.
It is vital that you provide us with all relevant information to represent you and provide services to you and that all information provided is, to the best of your knowledge, complete, accurate and up to date,
and is supplied as quickly as practicable. Please tell us of any subsequent changes to the information provided, as well as about any further information which might be relevant.
4. Your Responsibilities
• provide us with clear, timely and accurate instructions and to tell us promptly of any changes to your circumstances that may affect your instructions to us.
• provide all documentation and information that we reasonably request in a timely manner, and
• safeguard any documents that may be required for your matter, including documents that you may have to disclose to another party
5. Provision of Advice, Service and Communication
Our advice on any Matter is confidential and is provided for your benefit alone and solely for the purpose of the Matter.
We are not responsible for advising (or not advising) on matters outside the scope of the Terms, or for advising on changes in the law after we have delivered our advice, or if you act or refrain from acting on the basis of any draft advice before it has been finalised.
We will update you by your preferred method of communication such as telephone or in writing with progress on your matter regularly.
We will explain to you by telephone or in writing the legal work required as your matter progresses.
We will update you on the likely timescales for each stage of this matter and any important changes in those estimates. Whenever there is a material change in circumstances associated with your matter, we will update you on whether the likely outcomes still justify the likely costs and risks.
We will endeavour to:
· REPRESENT your interests and keep your business confidential.
· EXPLAIN to you the legal work which may be required and the prospects of a successful outcome.
· MAKE SURE that you understand the likely degree of financial risk which you will be taking on.
· KEEP YOU regularly informed of progress or, if there is none, when you are next likely to hear from us.
· TRY to avoid using technical legal language when writing to you - tell us should we fail in this aim!
· DEAL with your queries promptly, for example, we will always try to return your telephone calls on the same day if possible.
6. Conflict of Interest
Our conflict procedures help us fulfil our professional obligations not to act for a client in a matter where there is an actual (or significant risk of a) conflict with the interests of another client for whom we
are already acting; or our interests.
If at any time you become aware of an actual or potential conflict of interest, please raise it with us immediately.
We are professionally and legally obliged to keep all information regarding your affairs confidential at all times unless you instruct us to disclose information or we are compelled to disclose it by law. I.e. to make a disclosure National Crime Agency where we know or suspect that a transaction may involve money laundering or terrorist financing. If we make a disclosure in relation to your matter, we may not be in a position to inform you that a disclosure has been made. We may have to stop working on your matter for a period of time.
Subject always to ensuring that appropriate safeguards are in place to protect confidentiality, we may from time to time disclose such privileged and/or confidential information and any advice, certificate, report or opinion given by us to you or any third party in connection with your affairs to third parties for the purposes of our business.
We may from time to time outsource some of our services relating to the Matter, but only when it is cost effective to do so e.g. word processing/typing etc. We will assume, unless you notify us otherwise, that we may disclose information to such outsourcing agents as necessary. All of our outsourcing arrangements have express confidentiality agreements in place.
8. Anti -Money Laundering
We are required under the Money Laundering Regulations 2007 to obtain satisfactory proof of identity from all Clients. It is essential that you supply us with evidence of your identity and evidence of your address as soon as you instruct us to act for you.
We reserve the right to carry out, in addition to requesting these documents electronic identity checks through third party providers of this service in order to satisfy those regulations. Where this is necessary you agree to pay the cost of that electronic search plus the VAT at the prevailing rate per name and will be charged to you as a disbursement on our invoice. We will advise you of those costs prior to searches being undertaken. If we have reason to suspect that there is an attempt to launder money, or that you or any other party connected with you is involved in activities prescribed by the Proceeds of Crime Act 2002 (and any subsequent amendments), then we have a positive obligation to notify the National Crime Agency of our suspicions. You acknowledge, as a condition of these Terms, that this obligation will in certain circumstances override our duty of confidentiality. We may not be permitted to advise you whether or not we have made or might intend to make such a report. If we were to do so we would ourselves be committing a criminal offence. In such circumstances we may cease acting for you, or be instructed to do so by the relevant authorities, and we may not be able to communicate the reason for ceasing to act.
In order to comply with the statutory obligations we will require as a minimum one of the documents from List A below and two of the documents from List B.
• A valid full passport; or
• A valid HM Forces identity card with the signatory’s photograph;
• A valid UK Photo-card driving licence;
• A valid National Security Card or Identity Card
• A cheque guarantee card, credit card (bearing the MasterCard or Visa logo) American Express or Diners Club card, debit or multi-function card (bearing the Switch or Delta logo) issued in the United Kingdom with an original account statement less than three months old; or
• A receipted utility bill less than three months old; or
• A council tax bill less than three months old; or
Alternatively, if you are not able to attend this office with evidence of your identification please send us by special delivery two original documents as above or copies which have been certified by a solicitor or accountant.
Please telephone this office if you have any difficulty in complying with this request. Please note that we will not be able to act for you until we have received satisfactory identification.
We cannot pay any money due to you, either to you or to anyone else, in cash. Any money due to you, during or at the end of your transaction, will be paid to you by cheque or bank transfer. We reserve the right to make a reasonable charge for the cost of sending money by bank transfer.
We reserve the right to make additional checks if money due from you is received from a third party or if you ask us to send money due to you or a third party instead of to you. We may refuse to accept money from or send it to a third party.
9. Fees and disbursements
Our fees are based on the various criteria laid down by statute and other regulations which require that they shall be fair and reasonable and having regard to all the circumstances.
Our charges will be specified in the letter of engagement or client care letter and are either based on a fixed fee arrangement for a specific type of work or charged on an hourly basis or such other method as agreed in writing.
Fees are payable whether or not a case is successfully concluded or a transaction is completed. If any transaction does not proceed to completion for any reason during the period in which we are instructed, then we shall be entitled to charge for the work completed pursuant to these terms of business.
The engagement letter or client care letter will specify the fees payable for the provision of our services.
If any unexpected extra work becomes necessary, the Company will agree with you in advance what the nature and extent of that work is, and the reasons why it is outside the scope of what it originally agreed. The Company will give a further estimate of the likely costs of the extra work and agree with you before commencing the work. If the Company cannot reach an agreement it will not be able to carry out the extra elements. If that prevents progress being made with the main work, and that has to cease, the Company will be entitled to be paid for the work undertaken.
Any work not falling within the remit of the fixed fee arrangement, and requested by you will be chargeable on an hourly rate according to the time spent on your particular matter.
Where your matter is charged on an hourly rate basis and unless otherwise agreed, those fees are charged primarily in accordance with the time spent dealing with your matter, although other factors may be taken into account. Our time charges will be calculated using time units of 6 minutes (i.e. 1/10 of an hour) and will include meetings with you and/or others, telephone calls, considering, preparing and working on papers, correspondence, notes and reports, research, time spent travelling and all other actions needed to be taken whilst acting on your behalf. In some cases, an additional percentage may be added to reflect other factors e.g. complexity, value or urgency. An additional charge is made for photocopying and any other out of pocket expenses. Our current hourly rates are an estimate of our charges for your particular transaction and these will be set out in a separate letter accompanying these Terms and will vary according to the level of seniority. Our hourly rates are usually reviewed in January of each year and take into account changes in salary and other overhead costs. Details of any revised rates applying during the continuation of your matter will be supplied to you.
If for any reason your instructions are not fully completed, or are withdrawn, we will charge for the work done to the date when your instructions terminate.
10. Payment of Fees, Payments on Account and Disbursements
In accordance with normal practice, we may ask you to pay an initial amount in advance (or the full amount) on commencement of any matter, as well as further periodic sums, to be held on account of our fees and disbursements and require additional payments on account to cover our costs and expenses as the matter proceeds
You will be invoiced either when we have completed the work necessary or, if the matter is a lengthy one and it is more appropriate to invoice on a periodical basis, e.g. in the case of estate administration, initially once the Grant of Representation has been received and thereafter quarterly or at an appropriate stage in the conduct of the matter.
We may send you interim bills where work is carried out over a period of time. This avoids a build-up of fees and helps you to budget for costs as the matter proceeds. The timing and the amount of the interim bills will depend on a variety of factors but will reflect the matter reaching an appropriate stage and the proportion of the total work having been undertaken. We will endeavour to send interim bills regularly.
A final account of our charges and expenses will be sent to you at the end of the matter. You permit us to deduct our charges and expenses, whether interim or final, from any money we are then holding on your behalf.
Our invoices are payable within 14 days from the invoice date. If an account is not paid within 14 days any late payment will attract interest (including any disbursements and VAT) from the date of invoicing at a rate equivalent to the rate charged on Judgement Debts presently 8%. We reserve the right to suspend work and to retain documents and papers belonging to you or your associates, irrespective of the matter to which they relate, until all sums outstanding to us are paid.
Please note that in cases where you may have a legal agreement with another party, including legal expenses insurance, that they will pay your expenses, you remain primarily liable for our fees. Our Company’s policy is only to accept cash up to £500. If money is deposited direct with our bank without our prior agreement we may charge you any additional checks we may decide are necessary regarding the source of the funds and reserve our right to reject it if we so decide.
You may also pay by Maestro, solo, Visa debit and Visa Electron debit cards or by MasterCard and Visa credit cards. A transaction charge of 2.00% (plus VAT) may be added to credit card payments at our discretion.
Disbursements (out of pocket expenses)
By instructing us, you are authorising us to incur such disbursements as we consider necessary. However, we will consult you before incurring any significant disbursements. If we have to make payments to third parties (i.e. without limitation to:- Land Registry, Stamp Duty Land Tax, Land Registry Official Copies, Search Fees, Court Fees, Court of Protection fees, Probate Registry Fees etc) we have no obligation to make such payments unless you have provided us with the funds for that purpose and we may ask you for payment in advance to enable us to pay these third parties. If there are additional disbursements these will be notified to you in writing as soon as we are aware these are payable.
Payments to Third Parties
Where you have agreed, as part of your matter to instruct the Company, or any associated company as a trustee, attorney or such other, you agree to pay such fees on whatever terms agreed. If you fail to pay this maintenance fee to either us, or any other associated company or LLP acting as Trustee from time to time by standing order or to make payments in advance when so requested we may decide to withdraw our services pursuant to these terms.
Where we have to pay money to you or to the beneficiary of an estate or trust administered by this firm, it will be paid by cheque or transfer to you or to the named beneficiary, as the case may be. It will not be paid in cash or to a third party
11. Equality and Diversity
We are committed to promoting equality and diversity in all our dealings with clients, third parties and employees. Please contact us if you would like a copy of our equality and diversity policy.
12. Data Protection Act 1998
The Data Protection Act 1998 requires us to advise you that your particulars are held on our database. We may use your personal data for the provision of our services to you and for related purposes including without limitation to: updating and enhancing client records, analysis to help us manage our practice, statutory returns and legal and regulatory compliance or instructing other legal professionals such a solicitors and barristers or experts.
Our use of your information is subject to your instructions and the Data Protection Act 1998 and our duty of confidentiality. Please note our work for you may require us to give information to associated companies and third parties.
You have a right of access under data protection legislation to the personal data that we hold about you. Our electronic data may also be backed up to a third party provider of this service.
We may, from time to time, use your details to send you information which we think might be of interest to you. We and other associated companies may also share your details and contact you about products and services available from us or associated companies and from selected companies outside the group, which we believe may interest you or benefit you legally /and or financially. You may tell us at any time if you change your mind.
To help us to make credit decisions about you, to prevent fraud, to check your identity and to prevent money laundering or other financial crime, we may also use the information to search the files of credit reference agencies who may record any searches on your file. The information may be used by other credit grantors for making credit decisions about you and the people with whom you are financially associated, for fraud prevention, money laundering prevention and occasionally for tracing debtors. We may disclose your details to our agents and service providers for any of the purposes set out in this paragraph.
13. Financial Services
The Company is a legal service firm and is not a Registered Investment Advisor, Broker/Dealer, Financial Analyst, Financial Bank, Securities Broker or Financial Planner. The information given by the Company is not intended to and does not constitute financial advice or any other advice, save in relation to any legal, tax or estate planning advice which shall not, in any event constitute financial advice, whether general or specific to you. If you use or intend to use the Company’s information and advice as aforesaid to make an investment decision, you should seek the advice of an independent financial advisor and undertake your own due diligence. In any event, it is not part of our role to communicate invitations or inducements to engage in investment activity on behalf of clients, and therefore nothing we say (by whatever means of communication) or do, should be construed as an invitation or inducement to you, or to anyone else, to engage in investment activity.
14. Client Money & Money held by us
It is a condition of these Terms that we are entitled to ask you to let us have money on account of costs to be incurred in the following weeks or months for both our fees and other disbursements. Money held by us for you, whether on account of fees or disbursements or otherwise, will be placed in our Client Account. Where we act as executor or trustee (whether in a capacity of officers of the Company or of an associated company), the money will be held in our Client Trustee Account.
We will not be responsible for any loss arising from the insolvency of any bank where client funds are held or from any other action or event, where that action or event is beyond our control, including but not limited to governmental or other levies on bank accounts. If we make a claim under the Financial Services Compensation Scheme (FSCS) in respect of money which we hold for you, you agree that we may give certain information about you to the FSCS to help them identify amounts to which you are entitled in our client account.
Interest will be paid on monies held by us. The period for which interest is paid will normally run from the date(s) when we receive the cleared funds until the date(s) on the cheques issued to you. We will pay the interest without deduction of tax and it is your responsibility to declare the interest you receive for tax purposes. Where we make payment of money to you it will usually be by cheque sent in the ordinary post or an electronic funds transfer e.g. via the clearing house automated payment system (CHAPS). Whichever payment method is used we do not accept any responsibility or liability for any losses arising in respect of any interception, appropriation, misuse or delay.
Money held by us (including accrued interest and money held for your associates) may without reference to you be taken by us in payment or part payment of our costs, whether overdue or not, including any outstanding disbursements.
Payment of interest will be paid at the end of your transaction. If we place Client’s money in a designated client deposit account you will receive the interest earned on the account. If money held by us is trust money the full amount of the interest will be paid to the trust.
15. Termination of our Services
The Contract will end at the conclusion of the Services. However you or we may end the provision of services in writing at any time for whatever reason. For example, you may decide you cannot give us clear and proper instructions on how to proceed, or you may lose confidence in our work. We may terminate due to a breach of the Terms.
No penalty shall be payable upon termination but we shall be entitled to invoice you and be remunerated for work undertaken and substantially completed prior to such termination in accordance with the Terms and you will remain liable only for the fees arising up to the date of termination.
We are entitled to keep all your papers and documents while you owe us any money for fees and expenses.
Our Charging Policy for ‘Packages’
In order to provide a clear and transparent Charging Policy, if you instruct this Company and the Services consist of a Package (where usually the overall fee has been reduced as a result of the package) and where you or we decide to cease acting for any reason before your matter is completed, then our charges will be calculated by reference to the actual work carried out on your behalf as at the date of termination and this charge you may vary (depending on the stages completed as set out below) but as an example, the stages are as follows:-
Percentage of the fee we will charge you
Acknowledgment of Order
Up to 25 %
Preparation of the Data Confirmation
Up to 50 %
Drafting of the Documents
Up to 75 %
Dispatch of the Documents
Up to 100 %
For example, If you decide you no longer wish to continue following ‘Dispatch of the Documents’, we shall be entitled to charge up to 100% of the fee quotation. This may result in no monies being repayable on termination.
Where you have provided a sum on account of costs and either party decide to cease acting, we will immediately inform you of our charges according to the percentages above. Should we determine that you are entitled to a refund, this will be returned to you as soon as practicable. In no circumstances will our final charges exceed any agreed fixed fee that you pay on account, except with your prior consent.
16. Storage of Documents and Files
Files and other papers relating to your matters will be stored for such time as we judge reasonable. We may store your file or papers (excluding Deeds and Securities) by microfilming or any other means of electronic image processing and destroy the original paper copy. Otherwise your file will be retained for the minimum period as appropriate to the type of transaction. This is at least 12 years after the date of the final bill. At the end of the appropriate storage period your file (excluding Wills, Deeds and Securities) may be destroyed without further reference to you.
Until such time as the papers are destroyed they may be returned to you upon request, provided there are no sums outstanding in respect of our fees and disbursements.
We provide a safe custody service in respect of Wills, Trusts, Deeds and other Securities and reserve the right to charge you for this service and notice of those charges will be provided by the fee earner responsible for your matter. Those charges may be payable on a monthly or annual basis and this may be to an associated company. We do not make a charge for retrieving stored papers deeds and files where a monthly/annual storage fee is payable (as above).
In all other cases we reserve the right to make a reasonable charge for time spent retrieving old files or papers relating to completed matters and for any time spent in reading the file, providing copies of files, writing letters, releasing Wills, Deeds and other securities from safe storage, or doing any other work at your request. Our charges will vary according to the time spent but will be calculated based on the time spent plus the costs of any photocopying and postage with a minimum fee of £50+ VAT and postage.
We require 14 working days prior written notice for release of Wills, Deeds, files and other securities (which may be stored off site). Payment must be paid prior to release of documents.
We do our utmost to treat all our clients fairly. If you have any problem with our services, you have a right to complain. If you are unable to resolve the problem with the individual dealing with the matter (or their supervisor), you should write without delay to the complaints partner setting out the nature of your complaint.
We have a complaints procedure, a copy of which is available on request. We will endeavour to deal with any complaint as soon as practicable.
If you are not happy with the results of the investigation by this firm you can write to either the IPW, STEP, ILEX Professional Standards (IPS) or ultimately the Legal Ombudsman depending who is dealing with your matter. This is because the Company is unregulated. If we are unable to resolve your complaint to your satisfaction within eight weeks of receiving full details of your complaint, you may have the right to refer the issue to the Legal Ombudsman at PO Box 6806, Wolverhampton, WV1 9WJ or by email to firstname.lastname@example.org. Normally, you will need to bring a complaint to the Legal Ombudsman within six months of receiving a final written response from us about your complaint or within six years of the act or omission about which you are complaining occurring (or if outside of this period, within three years of when you should reasonably have been aware of it). Please note that the Legal Ombudsman may consider complaints from prospective clients in certain circumstances but may decline to deal with complaints from certain types of clients. For further information you should contact the Legal Ombudsman on 0300 555 0333 or go to www.legalombudsman.org.uk.
18. Value Added Tax
Our charges exclude VAT, which will be chargeable at the applicable rate and any estimates or indications of our charges or taxable disbursements exclude VAT.
19. Extent of our Liability
You acknowledge and agree that if you wish to make a claim relating to or in connection with the services provided by us, the claim can only be brought against the Company and not against the individual members, officers or employees.
Our total liability to you for any breach of your instructions shall be limited to the fees charged by us unless we expressly state a higher amount in the engagement letter or client care letter and in any event shall not in any circumstances exceed our Professional Indemnity Insurance limit of £5 Million. We can only limit our liability to the extent the law allows. In particular we cannot limit our liability for death or personal injury caused by our negligence.
We shall not be liable for any indirect loss or damage or any loss of profit, income, anticipated savings, production or accruals arising in any circumstances whatsoever, whether in contract, tort, negligence, for breach of statutory duty or otherwise, and howsoever caused. Subject to any agreed limit on our liability, our liability to you shall be limited to such sum as it would be just and equitable for us to pay having regard to the extent of our responsibility for the loss or damage and the responsibilities of all other persons. You agree that our liability shall not be increased by 1) any limitation, exclusion or restriction of liability you have agreed with any other person, or any joint insurance or coinsurance provision between you and any other person and 2) your inability to recover from any other person, or your decision not to recover from any other person.
We shall not be responsible for any failure to provide services on any issue which falls outside the scope of our engagement and shall have no responsibility to notify you of, or the consequences of, any event or change in the law (or its interpretation) which occurs after the date on which the relevant service is provided.
20. Custody Services
Where we receive documents of title including investments on your behalf these will be held in safe custody which will be registered in your name. We shall record separately when those documents are received by us and when they are sent out by us and those documents will be separately identified in your name.
Appropriate instruction from you as to the retention or dispatch of such documents will be given by you in writing.
21. Notice of the Right to Cancel
I confirm that I have read and understood, and I accept, these Terms of Business
Where you have not attended our offices in person and have instead been visited at your home or place of work and have entered into an agreement for our services then this information has been provided because you have entered into a contract to which The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 ('the Regulations') apply and you have the right to cancel the contract within 14 days without giving any reason. The cancellation period will expire after 14 days from the day of the conclusion of the contract i.e. when the contract was entered into in the house.
To exercise the right to cancel the contract, you must notify us at Cancellation Department, Universal Wealth Preservation, Dencora House, 34 White House Road, Ipswich IP1 5LT of your decision to cancel this contract by a clear statement (e.g. a letter sent by post, or email). You may use the model cancellation form (provided in the What Happens Next’ brochure), but this is not obligatory. Alternatively you can send the cancellation notice slip which is enclosed with the engagement letter (where applicable). You can also send details of your cancellation by email to email@example.com if you prefer.
To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired. If you cancel the contract within the cancellation deadline, we will reimburse to you all payments received from you. We will make the reimbursement without undue delay and not later than 14 days after the day on which we are informed about your decision to cancel the contract. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of the reimbursement.
If you requested to begin the performance of services during the cancellation period, you shall pay us an amount which is in proportion to what has been performed until you have communicated to us your cancellation from this contract, in comparison with the full coverage of the contract. If you wish to cancel you must do so immediately preferably in writing and if necessary by using the Cancellation Form shown in the form as a detachable slip contained in the supporting literature explaining ‘What Happens Next’ on the page headed “Notice of Your Right to Cancel”.
22. Your Agreement to proceed
If you have signed the Instruction Form authorising the performance of the contract before the end of the 14 day cancellation period, then even if you cancel within 14 days you will still be required to pay for our services.
These terms shall apply subject to any variation agreed with you in writing only. Any purported variation which is not so agreed and/or which is not in writing shall not be intended to be or be binding on the Company and the Company shall accept no liability whatsoever in respect thereof
24. At the end of the matter
We will write confirming the conclusion of it, explain any continuing consequences, render our bill unless we have already done so and account to you for all money due to you, let you have any papers and property for which you ask and to which you are entitled, subject to any right to retain them if our bill has not been paid
25. Intellectual Property
You shall not copy or use or distribute to any third party any marketing material you receive from us nor cause or permit anything which may damage or endanger the Intellectual Property Rights owned by us in relation to such material. You acknowledge that the legal documentation we supply you including, without limitation, the content in the form of data, text, graphics and information is protected by copyright, trademarks or patents and shall only be used as expressly set forth in these Terms. UNAUTHORISED COPYING, USE, DUPLICATING REPRODUCTION, MODIFICATION, DISTRIBUTING OR ANY OTHER MISUSE IS STRICTLY PROHIBITED.
These Terms shall apply to the Company and its associates including Universal Trustees LLP, you and your associates, which for the purpose of the same Terms includes all companies which you control, or, if you are a company forming part of a group, all companies in that group.
27. Governing Law
Any dispute or legal issues arising from these Terms will be determined by the Law of England and Wales and considered exclusively by the English and Welsh courts