Terms of service
Yash Financial Services · Financial services terms · Last updated 6 October 2026 · https://yashfinancial.co.uk/terms
These are the full terms of service for financial services work by Yash Financial Services. They are published at https://yashfinancial.co.uk/terms and they are the master version. Any service contract, engagement letter or email from us that refers to our terms means these terms. If a service contract or engagement letter that you and we have both signed sets out details for a particular job, such as the fee or the services, those details apply to that job alongside these terms.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
1. Who we are
Yash Financial Services, 44 Nigel Road, Forest Gate, London E7 8AN. Telephone 020 8470 7910 (from abroad +44 20 8470 7910). Email info@yashfinancial.co.uk. Website https://yashfinancial.co.uk.
Yash Financial Services is authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number (FRN) 184308. You can check our details, and the activities we are permitted to carry on, by searching for FRN 184308 on the Financial Services Register at https://register.fca.org.uk.
2. Accountancy is a separate service
Yash & Co Accountants works from the same address, but accountancy work is a separate service. Accountancy work is not regulated by the FCA and is not covered by the Financial Ombudsman Service. These terms do not apply to accountancy work. The terms for accountancy work are at https://yashfinancial.co.uk/accountants/terms.
3. What we do
In plain English, our financial services work covers:
- Mortgages: helping you find and apply for a mortgage.
- Protection: helping you arrange insurance to protect you and your family.
- Credit broking: introducing you to lenders. We are a broker, not a lender. The lender decides whether to lend.
- Debt counselling: helping you understand your debts and your options for dealing with them.
The FCA Register entry for FRN 184308 is the authoritative record of what we are permitted to do. The service contract or engagement letter for your job sets out what we will do for you.
4. Information is not advice until we are engaged
Content on our website, calculators, brochures, social media posts and emails answering general questions give general information only. They are not a personal recommendation and you should not rely on them to make a decision.
We give you advice only after we have agreed in writing to act for you, completed our identity checks and collected the information we need about your circumstances. Our recommendation is then confirmed to you in writing.
5. Your information duties
- Complete and accurate. You give us complete and accurate information about your income, spending, the property or the policy, existing loans and cover, and anything else that belongs in the advice or the application. Do not leave anything out because you assume we already know it.
- On time. You give us information by the date we ask for it. We can only advise and submit on time if you do.
- Changes. You tell us promptly about any change, such as a change of job, income, address or health, new borrowing, or a change to a property sale or purchase.
- Check and approve. We send you the application or the recommendation before it goes to the lender or insurer. You read it, correct anything that is wrong, and approve it in writing. We submit only what you have approved. Silence is not approval.
- Identity. You give us the identity and address evidence we ask for. We cannot act until those checks are done.
- Your papers. You keep your own papers. We may keep copies.
If information arrives late, is missing or is wrong, we may not be able to advise or submit on time. Any lost offer, extra cost or fee that follows is yours. We will tell you when a deadline is at risk because of information we are still waiting for.
6. How we use your information
We handle personal information in line with UK data protection law, including the UK GDPR and the Data Protection Act 2018. We use your information to provide our services, to carry out identity checks and to meet our legal and regulatory duties. Where your work needs it, we share information with lenders, insurers and other product providers, and with credit reference agencies. We also share information where the law or our regulator requires it.
Full details are in our privacy notice on the website at https://yashfinancial.co.uk/privacy.
7. Fees and how we are paid
Any fee for our work is agreed with you separately in writing before work starts, together with when it is payable. If we may receive commission or another payment from a lender, insurer or other provider, we will tell you before you go ahead. If a fee is unpaid we may stop work. Stopping work can make a deadline late, and that deadline remains yours.
8. We do not hold client money
We do not hold or control client money. We do not take money from you to pass on to a lender, insurer or other provider. You pay them directly, and you remain responsible for repayments, premiums and any fee they charge you.
9. Lenders and insurers make their own decisions
We cannot guarantee that a lender will lend or that an insurer will offer cover, or the terms on which they will do so. Their product terms are set by them and form a separate contract between you and them.
10. Using our website and calculators
Our website is shared by Yash Financial Services and Yash & Co Accountants. Please check which section you are using; pages under https://yashfinancial.co.uk/accountants relate to accountancy only.
Calculators and tools on the website give illustrations based only on the figures you enter. They are not advice, not an offer of credit and not a quote. Actual figures depend on your circumstances and on the lender or insurer.
We try to keep the website accurate and available, but we cannot promise that it will always be available or free from errors. Links to other websites are for convenience; we are not responsible for their content. You must not misuse the website or try to interfere with how it works.
11. Our liability
We carry out our work with reasonable care and skill. If we break these terms or fail to use reasonable care and skill, we are responsible for loss you suffer that was a foreseeable result.
We are not responsible for loss caused by:
- information you gave us that was incomplete, late or wrong;
- a decision made by a lender, insurer or other provider;
- relying on general website content, calculators or general emails without advice from us; or
- events outside our reasonable control.
Nothing in these terms limits or excludes our liability for death or personal injury caused by negligence, for fraud, or for anything else that the law or the FCA's rules do not allow us to limit or exclude. Your legal rights are not affected.
12. Complaints
If you are unhappy with our financial services, please tell us first so we can put it right. You can complain in writing to Yash Financial Services, 44 Nigel Road, Forest Gate, London E7 8AN, by email to info@yashfinancial.co.uk, or by telephone on 020 8470 7910.
If you are not happy with our final response, or we have not sent you one within eight weeks, you may be able to refer your complaint to the Financial Ombudsman Service, free of charge, if you are eligible. You normally need to do this within six months of our final response.
- Website: https://www.financial-ombudsman.org.uk
- Telephone: 0800 023 4567
Complaints about accountancy work by Yash & Co Accountants are not covered by the Financial Ombudsman Service; see https://yashfinancial.co.uk/accountants/terms.
13. Ending our work
You or we can end our work at any time by telling the other in writing. You still pay any agreed fee for work already done. Ending our work does not end any product you have already taken out; that is a separate contract with the provider, and any right to cancel it is explained by the provider.
14. Changes to these terms
We may update these terms. The current version, with its date, is always at https://yashfinancial.co.uk/terms. The version in force when you engage us applies to that work unless we agree a change with you in writing.
15. Governing law
These terms are governed by the law of England and Wales. The courts of England and Wales deal with any dispute, unless the law gives you the right to bring proceedings elsewhere.
16. How to contact us
Yash Financial Services, 44 Nigel Road, Forest Gate, London E7 8AN Telephone 020 8470 7910 / +44 20 8470 7910 Email info@yashfinancial.co.uk Website https://yashfinancial.co.uk