IFA or Mortgage Adviser?

1. What types of leads do you provide?

For financial advice we provide four categories of leads for our customers to choose from: Mortgages, Loans, Savings/Investments and Pensions. Each lead provided has common elements such as the individual's personal information and contact information, as well as information specific to the category of advice required. Please view the individual advice request pages for each category to see examples of the type of information gathered. Leads are also supplied with an additional information area where more detailed information from the customer may be supplied.

2. How many advisers are supplied a single lead?

We are supplying each lead on an 'exclusive' basis – this means only one adviser will be able to purchase an individual lead.

3. How do I purchase a lead?

Leads can be purchased via your online adviser account. Once logged in, you can see leads we recommend to you based upon your location, categories of advice you provide and the distance you are prepared have a client from you. In addition to recommended leads you have the ability to perform full granular searches for leads and find leads based upon multiple variables, for example you could search for all available mortgage leads where the client is looking for a remortgage, has adverse credit, is requiring a minimum £100,000 loan and is within 10 miles of your location. We also offer the ability to bid on leads in our auction-style system.

4. Can I bid on leads?

Yes, our auction-style system called 'Auto-Purchase' will be suitable for you. Once logged into your account you can set up individual bids for leads. Your bids are able to be completely specific and granular – so you could make a bid for all pension transfers with a minimum fund value of £50,000 within 10 miles of your location. Each bid must have a maximum amount you want to spend on the lead – and you can set the maximum amount of leads per day you wish to purchase. For each bid you can also create a custom email template that is sent to the customer as soon as the lead is purchased for you. Once created, our system will automatically bid on leads for you – making sure you pay the lowest price depending upon rival bids. The lead will be purchased and confirmation emails sent to you, as well as your custom email sent to the customer.

5. How do I pay for leads?

We operate a token system where all purchases made must be with tokens you purchase from us. Leads can range just from 1 token. Token packs can be purchased from within your account and are available from just 60 pence per token. At present you can purchase a token pack containing 15 token for just £9. Token packs can be purchased using a credit/debit card securely through your account and a full invoice is downloadable. Token packs are non-refundable, however tokens, depending upon the circumstances, can be refunded. To help you get started with your account, we allow you to purchase your first lead completely FREE – this is on manually purchased leads not the 'Auto-Purchase' system. It gives you an opportunity to search out a lead and purchase it to get familiar with your account!

6. How are leads supplied to me?

Once a lead is purchased, either via search or 'Auto-Purchase', you are emailed the full details of the lead – you also have a mini-CRM (Client Relationship Manager) built-in to your account where you view the lead at anytime. You can also update the progress of the lead there and add notes. All your leads can be searched via your account.

7. How do you generate the leads you are selling?

We operate a number of websites and mobile applications backed by various marketing campaigns to drive targeted traffic of engaged potential customers.

8. How many leads can you provide my company?

We hope to be able to provide a consistent number of leads to you but the number will vary depending upon the competition from rival advisers as well as the ability of our marketing campaigns to successfully provide traffic.

9. What is the conversion rate for a lead provided by you?

We operate on the industry standard of 60% conversion from lead to appointment and then 33% conversion from appointment to client sale. Our average lead price is 10 tokens so the cost per client can be as low as £30. This is based upon purchasing 5 leads for £30, which generate 3 appointments resulting in 1 new client/sale.

10. What if I have a problem with the lead details provided?

We have implemented many validation features to make sure leads generated are genuine valid enquiries from motivated customers – including multiple form validation, address validation and anti-SPAM methods. However, if a lead provided cannot be contacted due to bouncing email address and an invalid contact telephone number you are able to mark the lead as 'invalid' and we will investigate and refund the purchase token value to your account.

These Terms and Conditions shall apply to adviser accounts provided by Geekycoders a trading style of Rayan Arman ("the Supplier").

1. Definitions and Interpretation

1.1 In these Terms and Conditions, unless otherwise defined, the following expressions are defined:

"Adviser Account" means the adviser lead purchase account made available to the Customer by the Supplier which shall be governed by these Terms and Conditions;

"Customer" means the consumer or business acquiring an Adviser Account from the Supplier.

1.2 Unless the context otherwise requires, each reference in these Terms and Conditions to:

1.2.1 "writing", and any cognate expression, includes a reference to any communication effected by electronic or facsimile transmission or similar means;

1.2.2 a statute or a provision of a statute is a reference to that statute or provision as amended or re-enacted at the relevant time;

1.2.3 "these Terms and Conditions" is a reference to these Terms and Conditions and each of the Schedules as amended or supplemented at the relevant time;

1.2.4 a Schedule is a schedule to these Terms and Conditions; and

1.2.5 a Clause or paragraph is a reference to a Clause of these Terms and Conditions (other than the Schedules) or a paragraph of the relevant Schedule; and

1.2.6 a "Party" or the "Parties" refer to the parties to these Terms and Conditions.

1.3 The headings used in these Terms and Conditions are for convenience only and shall have no effect upon the interpretation of these Terms and Conditions.

1.4 Words imparting the singular number shall include the plural and vice versa.

1.5 References to any gender shall include the other gender.

2. Eligibility for Adviser Accounts

2.1 Customers whose applications for Adviser Accounts are rejected shall [not] be given reasons for such rejection.

3. Payment Terms

3.1 Unless otherwise agreed in writing between the Supplier and the Customer, all payments shall be made in GBP.

4. Reduction, Suspension, Withdrawal and Refusal

4.1 In the event that the Customer's Adviser Account is either not suspended or is subsequently reinstated following suspension or withdrawal, the Customer's token balance may be reduced to a level deemed appropriate by the Supplier.

4.2 In the event that sub-Clause 4.1 applies, the Supplier may require immediate payment in cash of all sums owing by the Customer in settlement of the Customer's Adviser Account.

4.3 If the Customer is unable to make payment in accordance with sub-Clause 4.2, the Supplier and the Customer shall agree to the payment of the sums owing in instalments. The decision of the Supplier shall be final.

4.4 Notwithstanding the other provisions of this Clause 4, the Supplier reserves the right to terminate or suspend the Customer's Adviser Account at any time without notice.

4.5 The Supplier shall have the right to terminate or suspend the Customer's Adviser Account if any information supplied by the Customer is found to be misleading or incorrect or if the Customer fails to comply with these Terms and Conditions or any related terms and conditions of sale or service issued by the Supplier in relation to a particular transaction.

5. Liability

The Supplier shall not be liable to the Customer for any loss or damage arising directly or indirectly out of the reduction, suspension, withdrawal, refusal or termination of the Adviser Account.

6. Force Majeure

Neither the Supplier nor the Customer shall be liable for any failure or delay in performing their obligations where such failure or delay results from any cause that is beyond the reasonable control of that Party. Such causes include, but are not limited to: power failure, Internet Service Provider failure, industrial action, civil unrest, fire, flood, storms, earthquakes, acts of terrorism, acts of war, governmental action or any other event that is beyond the control of the Party in question.

7. Communications

7.1 All notices under these Terms and Conditions shall be in writing and be deemed duly given if signed by, or on behalf of, the Party giving notice (or by, or on behalf of, a duly authorised officer thereof).

7.2 Notices shall be deemed to have been duly given:

7.2.1 when delivered, if delivered by courier or other messenger (including registered mail) during normal business hours of the recipient; or

7.2.2 when sent, if transmitted by fax or e-mail and a successful transmission report or return receipt is generated; or

7.2.3 on the fifth business day following mailing, if mailed by national ordinary mail, postage prepaid; or

7.2.4 on the tenth business day following mailing, if mailed by airmail, postage prepaid.

7.2.5 in each case addressed to the most recent address, e-mail address, or facsimile number notified to the other Party.

7.3 Service of any document for the purposes of any legal proceedings concerning or arising out of these Terms and Conditions shall be effected by either Party by causing such document to be delivered to the other Party at its registered or principal office, or to such other address as may be notified to one Party by the other Party in writing from time to time.

8. Waiver

No waiver by the Supplier of any breach of these Terms and Conditions by the Customer shall be considered as a waiver of any subsequent breach of the same or any other provision. A waiver of any term, provision or condition of these Terms and Conditions shall be effective only if given in writing and signed by the waiving Party and then only in the instance and for the purpose for which the waiver is given.

9. Severance

In the event that one or more of the provisions of these Terms and Conditions are found to be unlawful, invalid or otherwise unenforceable, that / those provisions shall be deemed severed from the remainder of these Terms and Conditions. The remainder of these Terms and Conditions shall be valid and enforceable.

10. Consumer Rights

In the event that the Customer is a consumer, the provisions of these Terms and Conditions are in addition to and do not affect the Customer's statutory rights as a consumer.

11. Governing Law and Jurisdiction

11.1 These Terms and Conditions (including any non-contractual matters and obligations arising therefrom or associated therewith) shall be governed by, and construed in accordance with, the laws of England and Wales.

11.2 Any dispute, controversy, proceedings or claim between the Parties relating to these Terms and Conditions (including any non-contractual matters and obligations arising therefrom or associated therewith) shall fall within the jurisdiction of the courts of England and Wales.