Terms & Conditions

APJ have significant experience in submitting claims for Mis-sold Financial products. Please note that you do have a choice as to whether or not you instruct us to act on your behalf. While many choose to do so, individuals are not required to use the services of a firm to pursue their claim. It is possible for an individual to present a claim themselves, either to the person against whom they wish to complain or to the relevant statutory ombudsman or the statutory compensation scheme for free, where the claim is one that falls within a statutory compensation scheme, such as the Financial Ombudsman Scheme or the Financial Services Compensation Scheme. APJ have proven abilities to successfully challenge decisions made by various statutory bodies and can also deal with any shortfalls which involve litigation as a regulated firm of solicitors.

Although care is taken to ensure that the information on the Website is accurate and up to date, we cannot accept any responsibility for mistakes or omissions. In particular, any articles in our archives may be out of date. We enter into no express or implied conditions, warranties, terms or representations regarding the quality, accuracy or completeness of the information. We exclude to the extent lawfully permitted all liability for loss or damage, whether direct, indirect or consequential (including, without limitation, loss suffered as a result of breach of these terms which is not a foreseeable consequence of the breach, lost profits, lost opportunity, lost business, loss of goodwill, loss of contracts, increased overheads or administrative expenses or management time) arising out of your use of or inability to use this Website, or from any information or omission contained in this Website.

We do not exclude our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or any other liability which cannot be excluded or limited by law. While we try to ensure that the Website is available 24 hours a day, we cannot guarantee this and will not be liable if for any reason the Website is unavailable at any time or for any period. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, for reasons beyond our control or any other reason we consider to be appropriate in the circumstances. We shall have no liability in respect of any such suspension.

Except where specifically stated in respect of on-line products, nothing in these pages constitutes either an offer, or legal or other professional advice and by using this Website you confirm that you have not relied on any such content.

The Website contains links to other websites not operated or controlled by us. If you use these links, you will leave the Website. These links are provided for convenience only and do not constitute any endorsement by Anthony Philip James & Co Ltd of the organisation promoted on the linked websites, their products or services. We do not have any control over such linked websites or the content of them and cannot accept any responsibility for them.

Please note that although reasonable care is taken to ensure that the Website and the materials available from it are virus-free, we cannot accept responsibility for any viruses which may affect any material you download.

You may not misuse the Website (including, without limitation, by hacking, attempting to gain unauthorised access to the Website or any server on which the Website is stored, or by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful). You may not attack the Website via a denial of service attack or a distributed denial of service attack.

By breaching the above you may commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website.

Intellectual property

The intellectual property rights (including, without limitation, copyright and trade marks) in all material on the Website (including, without limitation, text, images and plans) are owned by Anthony Philip James & Co Ltd unless otherwise stated and your use of them is limited as set out below.

Except where otherwise stated, you are permitted to display the pages of the Website on your computer screen and print a reasonable number of unmodified copies of any of the pages of the Website for your own, non-commercial use. You may not change or delete any author attribution, trade mark, legend or copyright notice, and by printing or displaying the Website you do not acquire any rights in it.

Except as expressly permitted under copyright law, any other copying, modification, reproduction, permanent storage, repackaging, distribution, transmission or commercial exploitation of any of the material on the Website by any means without our prior written consent is prohibited. This applies to both the visual content of the Website and the source code.

You may create links to the Website but must not frame the Website on any other site nor may you create a link to any part of the Website other than the home page without our prior written consent.