Welcome to our website, www.hfadvisory.co.uk , which is accessible via your computer or your portable hand-held device (the “Website”) or App (the “App”). The Website and App are provided by Higgins Fairbairn Advisory LLP of 1st floor, 24/25 New Bond Street, London, W1s 2RR (“Higgins Fairbairn Advisory LLP ”, “us”, “we” or “our” for short). “You” and “your” means you as the user of our Website.

We have set out the terms under which we are providing you with access to our Website or App and our products and services.

These include the terms and conditions that govern:

a) Your use of our Website or App (including the mobile-optimised version of our Website accessible from your portable hand-held device);

b) Your use of the services and products offered through our Website or App;

c) Your rights to link to our Website or App;

d) How we will use and protect information about you (see our separate “Privacy and Cookies Policy”)

Collectively, these documents are termed as the “Terms of Use”.

We may change our Terms of Use from time to time. The revised Terms of Use will be available via the Website and App. You should check the Terms of Use regularly to ensure that you understand and are familiar with any changes. You will be deemed to have accepted any changes to the Terms of Use after you have been notified of the changes on our Website home page and you continue to access or use the Website or App.

Use of Website & App

These Terms of Use set out how you may use our Website or App. By accessing the Website or App, you agree to these Terms of Use.

If you do not agree to these Terms of Use, you should not use the Website or App. You should read all the Terms of Use prior to using the Website. You should also save and/or print out a copy of these Terms of Use for future reference.

Age restrictions

Our Website is suitable for users of any age.

Accessing our Website & App

Access to our Website is permitted on a temporary basis. We update our website regularly and so may change the content at any time without notice to you. We reserve the right to withdraw, vary or suspend the service at any time without notice.

You are responsible for making all arrangements necessary to access this Website. You are also responsible for ensuring that all persons accessing our Website through your internet connection are aware of these Terms of Use.

Please note that use of our Website is subject to your computer and/or portable device complying with our minimum standard technical specification and compatibility notice. You are advised to check this specification to ensure that your computer and/or portable device is compatible with our products and services, and we shall not be liable for any failure arising in the Website which arises from incompatibility (including, without limitation, minimum storage and memory requirements from time to time).

Reliance of information posted

Materials posted on our Website are not intended as advice and should not be relied upon as such. We therefore accept no liability or responsibility arising from any reliance placed on such information to the fullest extent permissible by law.

Where we provide details of a product, service or promotion, we make no promise that those details will be available on a particular day and are subject to availability.

Intellectual Property

You may access, view and print out one copy of this Website and all information, images and other content displayed on the Website (“Materials”) strictly in accordance with these Terms of Use.

You may only view, print out, use, quote from and cite the Website and the Materials for your own personal, non-commercial use and on the condition that you provide the relevant acknowledgement where appropriate to Higgins Fairbairn Advisory LLP. All intellectual property rights in and to the Website and the Materials are either owned by or licensed to us, and your use of the Website and Materials is subject to the following restrictions.

You must not:
a) Remove any copyright or other proprietary notices contained in the Materials;

b) Use any Materials from the Website in any manner that may infringe any copyright, intellectual property right or proprietary right of us or any third parties; or

c) Reproduce, modify, display, perform, publish, distribute, disseminate, broadcast, frame, communicate to the public or circulate to any third party or exploit this Website and/or the Materials for any commercial purpose, without our prior written consent.

Rights of Termination

We may, at our discretion, terminate or suspend you or group access to all or part of the Website (including any right to access and use our Materials) with or without cause by delivering notice to you. The rights of termination are in addition to all other rights or remedies provided or by law.

Privacy Policy

We maintain a high level of privacy and security for your personal data. View our online Privacy Policy in full.

No Warranty, Disclaimer of Liability and Indemnity

Whilst every effort has been made to ensure the high quality and accuracy of the Website, Higgins Fairbairn Advisory LLP makes no warranty, express or implied, concerning the Materials of the Website, which is provided “as is”.

We expressly disclaim all warranties, including but not limited to warranties of fitness for a particular purpose and warranties of satisfactory quality. In no event will Higgins Fairbairn Advisory LLP or our suppliers be liable for direct, special, incidental, or consequential damages (including, without limitation, damages for loss of business profits, business interruption, loss of business information or other pecuniary loss) arising directly or indirectly from the use of (or failure to use) or reliance on the Materials, even if we have been advised of the possibility that such damages may arise.

We do not guarantee the accuracy or timeliness of the Materials appearing on the Website, or that the Website or related systems are free from viruses or other contaminating or destructive properties. In the event that we incur any liability whatsoever, the aggregate liability shall not exceed the amount that you originally paid for the service, except in respect of fraudulent misrepresentation.

Force Majeure

We will not be liable or deemed to be in default for any delay or failure in performance or interruption of the delivery of our products or services resulting directly or indirectly from any cause or circumstance beyond our reasonable control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorised access, theft, operator errors, severe weather, earthquakes or natural disasters, strikes or other labour problems, wars, or governmental restrictions.

Links to Third-Part Websites

Our Website may contain links and pointers to Internet sites maintained by third parties. We do not operate or control in any respect any information, products or services on such third-party sites. Links are provided solely for your convenience, and do not constitute any endorsement by Higgins Fairbairn Advisory LLP and/or our suppliers. You assume sole responsibility for use of third-party links and pointers.

Miscellaneous

Changes to Terms of Use

We may, at our discretion, change these Terms of Use. We will notify you by email or by publishing details of those changes by including them in these Terms of Use.

Rights of Reply

If at any time you, or your organisation, have a complaint or comment to make about the Materials featured within our Website, you should contact Higgins Fairbairn Advisory LLP – telephone: 020 7355 4640 or email fsinfo@higginsfairbairn.co.uk

Third-Party Content

Parts of the Website may contain other third-party Materials. Other providers are responsible for ensuring that Material submitted for inclusion on the Website complies with international and national law. We are not responsible for any third-party content or error, omission, or inaccuracy in any Material.

Invalid Provision

If any provision of the Website is held to be invalid by a court of competent jurisdiction, we shall amend the invalid provision in such reasonable manner as achieves the intention of the parties without illegality, or at our discretion such provision may be severed from these Terms of Use and the remaining provisions shall nevertheless remain in full force and effect. Any cause of action of yours with respect to these Terms of Use must be filed in a court of competent jurisdiction in England and Wales.

Governing Law & Jurisdiction

These Terms of Use shall be governed by, and construed in accordance with English law. The parties irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute, which may arise out of, under, or in connection with these Terms of Use or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts.

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005