Terms of Service

Last updated: 29 July 2025

1. Introduction

These Terms of Service ("Terms") govern your use of the Luminous Flash website and services. By accessing our website or using our services, you agree to be bound by these Terms.

Luminous Flash is a company registered in England and Wales with company number 12345678, with our registered office at 25 Cannon Street, London, EC4M 5TA.

2. Definitions

"Company" refers to Luminous Flash
"Services" refers to all services provided by Luminous Flash, including but not limited to conveyancing, mortgage advice, and property surveys
"Client" refers to any individual or entity using our services
"Website" refers to luminous-flash.com and all associated pages

3. Services Provided

3.1 Conveyancing Services

We provide legal conveyancing services for property transactions in England. Our services include:

Property searches and enquiries
Contract review and negotiation
Exchange and completion management
Registration with HM Land Registry

3.2 Mortgage Advisory Services

We provide independent mortgage advice and are authorised and regulated by the Financial Conduct Authority (FCA). Our mortgage services include:

Mortgage product research and comparison
Application preparation and submission
Ongoing support through the mortgage process

3.3 Property Survey Services

We arrange comprehensive property surveys and valuations through qualified surveyors.

4. Client Obligations

As our client, you agree to:

Provide accurate and complete information
Respond promptly to requests for information or documentation
Pay all fees and costs as agreed
Inform us immediately of any changes to your circumstances
Follow our professional advice

5. Fees and Payment

5.1 Service Fees

Our fees are clearly outlined in our service agreements and estimates. Fees may include:

Professional service fees
Third-party costs (searches, surveys, etc.)
Disbursements and statutory fees

5.2 Payment Terms

Fees are payable as outlined in your service agreement
Payment is typically required before completion of services
Interest may be charged on overdue payments at 8% above the Bank of England base rate

6. Professional Standards

We are committed to maintaining the highest professional standards and are regulated by:

Solicitors Regulation Authority (SRA) for legal services
Financial Conduct Authority (FCA) for mortgage advice
Royal Institution of Chartered Surveyors (RICS) for survey services

7. Professional Indemnity Insurance

We maintain comprehensive professional indemnity insurance to protect our clients. Details of our insurance coverage are available upon request.

8. Confidentiality

We are committed to maintaining strict confidentiality of all client information. We will not disclose your personal or financial information to third parties except:

With your explicit consent
When required by law or regulation
To other professionals involved in your transaction
For the prevention or detection of crime

9. Data Protection

We process your personal data in accordance with our Privacy Policy and UK data protection laws. Please refer to our Privacy Policy for detailed information.

10. Limitation of Liability

10.1 General Limitations

Our liability to you is limited as follows:

We are not liable for losses arising from circumstances beyond our reasonable control
We are not liable for consequential or indirect losses
Our total liability is limited to the value of our professional indemnity insurance

10.2 Time Limits

Any claims against us must be made within 6 years of the date when the cause of action arose, or within 3 years of when you became aware of the facts giving rise to the claim.

11. Force Majeure

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including but not limited to:

Natural disasters
Government actions or regulations
Industrial disputes
Failure of third-party systems or services

12. Termination

12.1 Termination by Client

You may terminate our services at any time by giving written notice. You remain liable for:

All fees for work completed up to termination
All third-party costs incurred
Any additional costs arising from termination

12.2 Termination by Us

We may terminate our services in certain circumstances, including:

Non-payment of fees
Failure to provide required information
Conflict of interest
Breach of these Terms

13. Complaints Procedure

If you are dissatisfied with our services:

Contact us directly to discuss your concerns
If unresolved, submit a formal written complaint
We will investigate and respond within 8 weeks
If still dissatisfied, you may refer the matter to the relevant ombudsman or regulatory body

14. Website Terms

14.1 Intellectual Property

All content on our website is protected by copyright and other intellectual property rights. You may not reproduce, distribute, or modify any content without our written permission.

14.2 Website Availability

While we strive to maintain website availability, we do not guarantee continuous, uninterrupted access. We may suspend access for maintenance or updates.

14.3 External Links

Our website may contain links to external websites. We are not responsible for the content or privacy practices of these external sites.

15. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts.

16. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Luminous Flash.

17. Changes to Terms

We may update these Terms periodically. Significant changes will be communicated to existing clients, and continued use of our services constitutes acceptance of the updated Terms.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Contact Information

For questions about these Terms or our services:

Luminous Flash
25 Cannon Street
London, EC4M 5TA
United Kingdom
Email: [email protected]
Phone: +44 20 7743 6733