Legal Notice & Disclaimer

1. Nature of Services

DAN AUDITS LIMITED provides independent, fixed-fee, non-regulated review, analysis, and information services.

Our services are limited to structured review of documents and information within an agreed scope. Our role is to identify structure, explain features, highlight potential issues, and provide written observations based on the material supplied.

We do not provide implementation, execution, brokerage, intermediation, representation, or management services.

We do not make decisions on your behalf.

We do not guarantee outcomes, savings, approvals, compliance, certification, legal effect, commercial advantage, or any other result.

2. No Financial Advice, Legal Advice, or Other Regulated Service

Nothing on our website, or in any communication, document, report, summary, or other output from us, constitutes or should be construed as:

• financial advice;
• investment advice;
• mortgage advice;
• credit broking;
• debt counselling;
• debt adjusting;
• debt administration;
• lending intermediation;
• arranging or making arrangements in relation to regulated financial products or services;
• legal advice;
• accounting advice;
• tax advice;
• valuation advice;
• insurance mediation;
• FCA-regulated activity;
• a personal recommendation;
• a statement of suitability;
• a statement of appropriateness;
• a statement that any product, provider, lender, or arrangement is recommended, endorsed, approved, or selected for you.

We are not authorised or regulated by the Financial Conduct Authority. We do not carry on regulated activities.

If you need regulated financial advice, legal advice, tax advice, accounting advice, or any other specialist professional advice, you must obtain that advice independently from a suitably authorised or qualified professional.

3. Independence and No Commission

We act independently and solely for the purpose of our own review services.

We do not:

• act as a broker, intermediary, agent, introducer, or arranger;
• negotiate with lenders, brokers, insurers, suppliers, or other third parties on your behalf;
• receive commissions, referral fees, trail fees, success fees, inducements, or any other third-party remuneration;
• derive any income from third-party product placement or provider selection;
• advise on the selection of a lender, provider, product, or arrangement;
• compare options on your behalf in a way that amounts to regulated intermediation.

Our fees are agreed directly with the client in advance, usually on a fixed-fee basis.

4. Scope Limitations

Our services are strictly limited to the agreed scope and to the documents or information made available to us.

Unless expressly agreed in writing, we do not:

• verify the completeness, accuracy, authenticity, legality, or sufficiency of all material supplied;
• conduct legal due diligence;
• conduct affordability assessments;
• conduct creditworthiness assessments;
• assess suitability or appropriateness;
• confirm regulatory compliance beyond the limited points expressly addressed in our output;
• search for missing documents;
• investigate external facts not provided to us;
• monitor ongoing performance after delivery;
• update reports for later events or changed circumstances;
• implement recommendations;
• manage transactions or processes;
• represent you in negotiations, disputes, complaints, claims, hearings, or proceedings.

Any output should be read as limited to the information made available at the relevant time and within the agreed scope only.

5. Information Requirements and Client Responsibility

You are responsible for ensuring that any information, documents, extracts, or communications supplied to us are accurate, relevant, lawful to disclose, and within scope.

You must not send unnecessary or sensitive material unless we have expressly requested it in writing for a defined purpose.

Unless expressly requested, you must not provide:

• bank statements;
• full accounts;
• statutory accounts;
• management accounts;
• tax returns;
• VAT returns;
• payroll records;
• employee data;
• identification documents;
• medical data;
• special category data;
• criminal offence data;
• unrestricted correspondence chains;
• unrelated attachments;
• any information outside the agreed scope.

If you submit material outside scope, we may ignore it, delete it, redact it, or decline to process it.

Where you provide extracts, they must be proportionate, relevant, and redacted to remove unnecessary personal or sensitive information.

6. Basis of Analysis

Any analysis, comment, observation, or conclusion we provide is based solely on the information made available to us.

We do not undertake, unless expressly agreed in writing:

• to verify that all relevant information has been provided;
• to investigate matters not disclosed to us;
• to reconcile every inconsistency in source materials;
• to identify every possible issue, risk, or legal point;
• to update outputs after the date of issue.

Our work is therefore necessarily limited by the quality, completeness, and accuracy of the material supplied.

7. No Reliance

All outputs are provided strictly for informational purposes only.

They are not recommendations and must not be treated as a substitute for independent professional advice or your own judgment.

You remain solely responsible for all decisions and actions you take or fail to take in relation to any matter we review.

No person other than the client may rely on any output from us without our prior written consent.

Any reliance placed on our materials by a third party is expressly prohibited and entirely at that party's own risk.

8. No Warranties

To the fullest extent permitted by law, all content, materials, and outputs are provided “as is” and “as available”.

We make no warranty, representation, condition, or undertaking, express or implied, including as to:

• completeness;
• accuracy;
• timeliness;
• fitness for purpose;
• merchantability;
• non-infringement;
• reliability;
• availability;
• regulatory outcome;
• enforceability;
• suitability;
• legal effect;
• absence of errors or omissions.

Any statement made by us is qualified by the limitations in this Notice and by the information available to us at the relevant time.

9. Confidentiality and Permitted Use

All reports, notes, summaries, analyses, and related materials prepared by us are for the client's internal use only, unless we expressly agree otherwise in writing.

They must not be:

• shared with any lender, broker, platform, adviser, regulator, court, tribunal, or other third party;
• published or circulated;
• quoted out of context;
• used as the basis of a complaint, claim, dispute, negotiation, or proceeding;
• reproduced, distributed, or adapted;
• relied upon by any third party.

Any permitted disclosure must be complete, accurate, and not misleading.

If disclosure is required by law, the client must, where legally permitted, notify us in advance.

10. Misuse

Any unauthorised use, disclosure, reproduction, reliance, distribution, or publication of our materials is prohibited.

If misuse occurs or is reasonably suspected, we may immediately withdraw permission to use the materials, suspend or terminate the engagement, and seek all available remedies.

11. Limitation of Liability

To the fullest extent permitted by law:

• we exclude all liability for indirect, incidental, special, punitive, or consequential loss;
• we exclude liability for loss of profit, revenue, opportunity, savings, goodwill, or business;
• we exclude liability for the acts, omissions, decisions, or conduct of lenders, brokers, counterparties, advisers, platforms, or other third parties;
• we exclude liability for losses arising from inaccurate, incomplete, misleading, or withheld information supplied by the client or any other person.

Our total aggregate liability arising out of or in connection with any one matter shall be limited to the fees actually paid to us for that matter.

Nothing in this Notice limits or excludes liability that cannot lawfully be limited or excluded under applicable law, including liability for fraud or any other liability that cannot legally be excluded.

12. Right to Decline, Suspend, or Terminate

We reserve the right, at our sole discretion and at any time, to decline, suspend, limit, or terminate any enquiry, engagement, or service without liability.

This may occur where:

• the request falls outside our intended service offering;
• the scope is unclear, excessive, or inappropriate;
• the material supplied is incomplete, excessive, irrelevant, or unsuitable;
• the intended use of our output is improper or potentially misleading;
• we consider continued involvement to present legal, regulatory, operational, reputational, or commercial risk;
• required information is not supplied;
• payment is not made;
• we consider the matter otherwise unsuitable.

Where work has started, fees for work already carried out remain payable.

We are not obliged to provide detailed reasons for any decision to decline or terminate.

13. Website Content and Third-Party Links

Website content is provided for general informational purposes only and may be changed, updated, removed, or replaced at any time without notice.

Any third-party links are provided for convenience only. We do not control and are not responsible for third-party content, accuracy, security, or privacy practices.

14. Intellectual Property

Unless otherwise stated, all intellectual property rights in the website and our materials belong to DAN AUDITS LIMITED or its licensors.

No licence is granted except as strictly necessary for the client's internal use of materials provided under an engagement, subject always to these terms and any applicable Terms of Engagement.

15. Third-Party Rights

No person other than the client and us has any right to enforce any part of this Legal Notice & Disclaimer under the Contracts (Rights of Third Parties) Act 1999 unless expressly stated otherwise in writing.

16. Governing Law and Jurisdiction

This Legal Notice & Disclaimer and any dispute or claim arising out of or in connection with it shall be governed by and construed in accordance with the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction, subject to any non-excludable mandatory law.