Terms of Business

• 1 credit = £1 + VAT
• Credits are purchased via the IFA Connect Portal using Stripe
• Available in preset amounts: 500, 1,000, 2,000, 3,000, 5,000, and 10,000 — or a custom amount
• Credits are non-refundable, non-transferable, and may only be used to purchase leads on the IFA Connect Portal
• The Portal will notify the Adviser when their credit balance falls below 250 credits
• The Adviser is responsible for maintaining a sufficient balance to continue purchasing leads
• All credits purchased are non-refundable and may only be used to purchase leads through the IFA Connect portal. Credits have no cash value and cannot be transferred. If your account is revoked or your subscription is cancelled, any remaining credit balance will be forfeited.

Lead prices are based on the prospective client's potential assets under management:

IFA Connect reserves the right to review and adjust lead pricing at any time. Advisers will be given reasonable written notice prior to any changes taking effect.

A qualified lead is defined as:

• A prospective client with at least £10,000 in liquid assets
• A client who has expressed interest in financial advisory services and receiving a form of financial advice

Leads may include individuals seeking investment, pension, or wealth management advice. Leads will not include individuals who have explicitly stated they are not interested in financial advice.

• Leads are available on a first come, first served basis
• To purchase a lead, the Adviser must hold a sufficient credit balance on the Portal. One (1) credit is equal to £1 plus VAT
• Upon purchase, the relevant number of credits will be deducted immediately from the Adviser's Credit Balance
• Full contact details for the lead will be made available instantly via the Portal
• Once purchased, a lead is exclusively allocated to the purchasing Adviser and will not be available to any other adviser
• The number of leads the Adviser may purchase per calendar month is determined by their Membership tier
• All credit purchases and lead transactions are non-refundable, including in cases where the Adviser fails to contact the lead after purchase

• All credit transactions for leads are non-refundable
• Leads that do not meet the qualification criteria outlined in Section 4 will be replaced
• If a lead is deemed uncontactable within 28 days of purchase, IFA Connect will issue the Adviser with a credit equivalent to the value of that lead, added directly to the Adviser's Credit Balance on the Portal. Replacement requests must be submitted within 28 calendar days of purchase. Requests submitted after this window will not be considered under any circumstances
• A lead will only be deemed uncontactable if the Adviser can demonstrate that at least 14 separate contact attempts have been made across a minimum of 14 separate days within 28 consecutive days from the date of purchase, using a combination of telephone calls, WhatsApp messages, and emails. Multiple attempts on the same day will count as a single attempt
• A minimum of 9 contact attempts must be by telephone, of which at least 5 must be made within the first 6 business days from the date of purchase. Attempts must be made at varied times of day, including at least 3 attempts during evenings (after 5pm) or weekends, to account for the lead's working hours
• The first contact attempt must be made within 24 hours of the lead being purchased. If no contact attempt is documented within this initial 24-hour window, the lead shall be deemed valid and will not be eligible for replacement or credit, regardless of any subsequent attempts
• Evidence of contact attempts must include timestamped screenshots of outbound call logs showing the number dialled, WhatsApp message delivery confirmations, and email send confirmations with visible dates. A written summary or email describing contact attempts is not sufficient evidence. CRM entries alone are not accepted unless accompanied by supporting screenshots
• IFA Connect reserves the right to verify any uncontactable claim by attempting to contact the lead directly. If IFA Connect is able to reach the lead, the replacement request will be declined and the lead will be deemed valid
• If a lead provides false information regarding their financial position, the Adviser may request a review for replacement. Such leads will be reviewed by IFA Connect, and IFA Connect may contact the lead directly to verify and cross-reference the information provided
• Once contact has been made between the Adviser and the lead, regardless of the outcome of that communication, the lead shall be deemed valid and will not be eligible for replacement or credit
• Advisers who submit replacement requests for more than 30% of their purchased leads within any rolling 3-month period may be subject to a review of their lead handling practices. IFA Connect reserves the right to suspend replacement eligibility pending the outcome of such a review

• If a lead is replaced or a credit is issued under the Lead Replacement Policy, ownership of that lead shall immediately revert to IFA Connect. The Adviser shall have no further entitlement to pursue or engage with the original lead
• If the lead in respect of which a credit or replacement was issued subsequently makes contact with the Adviser, any credit previously issued shall be withdrawn. The Adviser will be deemed to have purchased the original lead and the applicable lead fee shall become payable, or where a credit was given, the value of that credit shall be offset accordingly

• Either party may terminate a paid Membership by giving no less than 1 month's written notice
• Membership fees remain payable in full throughout the notice period
• Upon termination of a paid Membership, the Adviser shall be moved to the Free Membership unless the Agreement itself is terminated
• Any unused credits in the Adviser's Credit Balance shall be forfeited and are non-refundable upon termination
• The Adviser shall retain access to contact details for any leads purchased prior to termination but shall have no further right to access new leads