{"id":250,"date":"2026-04-02T06:35:55","date_gmt":"2026-04-02T06:35:55","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?page_id=250"},"modified":"2026-04-24T22:14:51","modified_gmt":"2026-04-24T22:14:51","slug":"termeni-si-conditii","status":"publish","type":"page","link":"https:\/\/iovufinancialservices.co.uk\/en\/termeni-si-conditii\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"
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Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1. Informa\u021bii despre companie<\/h5>

Acest website (iovumortgageservices.co.uk<\/strong>) este operat de\u00a0Best Brokers Ltd<\/strong>, o companie \u00eenregistrat\u0103 \u00een Anglia \u0219i \u021aara Galilor cu num\u0103rul de \u00eenregistrare\u00a008002946<\/strong>.<\/p>

Sediul social \u00eenregistrat:\u00a03 Chester Bridge, Crewe, England, CW2 7EF<\/strong><\/p>

Best Brokers Ltd este Appointed Representative al\u00a0Financial Expert Partnership Ltd<\/strong>, care este autorizat \u0219i reglementat de\u00a0Financial Conduct Authority (FCA)<\/strong>.<\/p>

Adrian Iovu<\/strong>\u00a0ac\u021bioneaz\u0103 \u00een calitate de Mortgage Adviser \u00een cadrul Best Brokers Ltd. Sfaturile \u0219i recomand\u0103rile furnizate sunt supuse reglement\u0103rilor FCA \u00een vigoare.<\/p><\/div><\/div>

2. Acceptarea termenilor<\/h5>

Prin accesarea \u0219i utilizarea acestui website, accepta\u021bi \u00een mod expres ace\u0219ti Termeni \u0219i Condi\u021bii \u00een totalitatea lor. Dac\u0103 nu sunte\u021bi de acord cu oricare dintre ace\u0219ti termeni, v\u0103 rug\u0103m s\u0103 nu utiliza\u021bi site-ul.<\/p>

Ace\u0219ti termeni se aplic\u0103 tuturor vizitatorilor, utilizatorilor \u0219i oric\u0103rei persoane care acceseaz\u0103 sau utilizeaz\u0103 serviciile noastre.<\/p><\/div>

3. Serviciile furnizate<\/h5>

Prin intermediul acestui website \u0219i al consulta\u021biilor aferente, oferim urm\u0103toarele servicii de intermediere financiar\u0103:<\/p>

  • Mortgage pentru Prima Cas\u0103 (First Time Buyer)<\/strong>\u00a0\u2014 ghidare \u0219i intermediere pentru achizi\u021bionarea primei propriet\u0103\u021bi reziden\u021biale \u00een Marea Britanie<\/li>
  • CIS Mortgage<\/strong>\u00a0\u2014 servicii specializate pentru persoane pl\u0103tite prin Construction Industry Scheme<\/li>
  • Remortgage<\/strong>\u00a0\u2014 asisten\u021b\u0103 pentru refinan\u021barea unui credit ipotecar existent<\/li>
  • Buy to Let Mortgage<\/strong>\u00a0\u2014 intermediere pentru credite ipotecare destinate investi\u021biilor imobiliare<\/li>
  • Asigur\u0103ri de via\u021b\u0103 \u0219i protec\u021bie<\/strong>\u00a0\u2014 asisten\u021b\u0103 pentru ob\u021binerea de life insurance, critical illness cover \u0219i income protection<\/li>
  • Consulta\u021bii financiare generale<\/strong>\u00a0legate de pia\u021ba imobiliar\u0103 din Marea Britanie<\/li><\/ul>

    IMPORTANT:<\/strong>\u00a0Ac\u021bion\u0103m \u00een calitate de credit broker, nu de creditor. Recomand\u0103rile noastre nu constituie garan\u021bii de aprobare. Decizia final\u0103 de acordare a creditului apar\u021bine exclusiv institu\u021biei financiare creditoare.<\/p><\/div><\/div>

    4. Natura consultan\u021bei financiare<\/h5>
    4.1 Consultan\u021b\u0103 reglementat\u0103 FCA<\/h5>

    Toate consulta\u021biile \u0219i recomand\u0103rile furnizate de Adrian Iovu \u00een capacitate profesional\u0103 sunt supuse regulilor \u0219i reglement\u0103rilor FCA. Primim \u0219i vom dezv\u0103lui orice comision primit de la creditori \u00een contextul plas\u0103rii unui credit ipotecar.<\/p>

    4.2 Informa\u021bii generale pe website<\/h5>

    Con\u021binutul publicat pe acest website (articole de blog, ghiduri, calculatoare) are caracter exclusiv informativ \u0219i educa\u021bional. Nu constituie consultan\u021b\u0103 financiar\u0103 personalizat\u0103 \u0219i nu ar trebui tratat ca atare.<\/p>

    4.3 Limite ale recomand\u0103rilor<\/h5>

    Recomand\u0103rile noastre de produse se bazeaz\u0103 pe informa\u021biile furnizate de client. Este responsabilitatea clientului s\u0103 furnizeze informa\u021bii complete, corecte \u0219i actualizate despre situa\u021bia sa financiar\u0103.<\/p><\/div>

    5. Onorarii \u0219i comisioane<\/h5>

    Prima consulta\u021bie cu Adrian Iovu este\u00a0complet gratuit\u0103<\/strong>\u00a0\u0219i f\u0103r\u0103 nicio obliga\u021bie.<\/p>

    Modelul nostru de remunerare func\u021bioneaz\u0103 astfel:<\/p>

    • Primim comision de la creditorul selectat la finalizarea unui credit ipotecar<\/li>
    • Valoarea comisionului variaz\u0103 \u00een func\u021bie de creditor \u0219i de produsul ipotecar<\/li>
    • \u00cen anumite circumstan\u021be, poate fi perceput un onorariu de consultan\u021b\u0103 \u2014 aceasta va fi comunicat\u0103 clar \u0219i \u00een scris \u00eenainte de orice angajament<\/li>
    • Natura exact\u0103 a comisionului va fi confirmat\u0103 \u00eenainte de a proceda cu aplica\u021bia<\/li><\/ul><\/div>
      6. Limitarea r\u0103spunderii<\/h5>

      \u00cen limita permis\u0103 de legisla\u021bia aplicabil\u0103, Best Brokers Ltd \u0219i Adrian Iovu nu sunt responsabili pentru:<\/p>

      • Deciziile de creditare ale institu\u021biilor financiare partenere<\/li>
      • Modific\u0103rile ratelor dob\u00e2nzilor sau condi\u021biilor de creditare survenite dup\u0103 emiterea unei oferte<\/li>
      • Pierderile financiare rezultate din informa\u021bii incorecte sau incomplete furnizate de client<\/li>
      • Inexactit\u0103\u021bile sau modific\u0103rile din con\u021binutul informativ al website-ului<\/li>
      • \u00centreruperile temporare ale serviciului website<\/li><\/ul>

        LOCUIN\u021aA DVS. POATE FI EXECUTAT\u0102 SILIT\u0102 DAC\u0102 NU MEN\u021aINE\u021aI PL\u0102\u021aILE RATELOR IPOTECARE LA ZI.<\/strong><\/p><\/div><\/div>

        7. Drepturile de proprietate intelectual\u0103<\/h5>

        Tot con\u021binutul acestui website \u2014 inclusiv texte, imagini, logo-uri, design, ghiduri PDF \u0219i materiale video \u2014 este proprietatea Best Brokers Ltd sau a colaboratorilor s\u0103i autoriza\u021bi \u0219i este protejat de legile drepturilor de autor din Marea Britanie \u0219i interna\u021bionale.<\/p>

        Este interzis\u0103 reproducerea, distribuirea sau utilizarea comercial\u0103 a oric\u0103rui con\u021binut f\u0103r\u0103 acordul scris prealabil al Best Brokers Ltd.<\/p><\/div>

        8. Legea aplicabil\u0103 \u0219i jurisdic\u021bia<\/h5>

        Ace\u0219ti Termeni \u0219i Condi\u021bii sunt guverna\u021bi de legea englez\u0103 \u0219i sunt supu\u0219i jurisdic\u021biei exclusive a instan\u021belor din Anglia \u0219i \u021aara Galilor.<\/p>

        Orice disput\u0103 legat\u0103 de utilizarea acestui website sau a serviciilor noastre va fi solu\u021bionat\u0103 \u00een conformitate cu procedurile de reclama\u021bii ale FCA. Clien\u021bii nemul\u021bumi\u021bi au dreptul de a se adresa\u00a0Financial Ombudsman Service<\/strong>.<\/p><\/div>

        9. Modific\u0103ri ale termenilor<\/h5>

        Ne rezerv\u0103m dreptul de a modifica ace\u0219ti Termeni \u0219i Condi\u021bii \u00een orice moment, cu efect imediat de la publicarea versiunii actualizate pe website. V\u0103 recomand\u0103m s\u0103 verifica\u021bi periodic aceast\u0103 pagin\u0103.<\/p><\/div>

        10. Contact

        Tel: 073 7575 2777
        Email: a.iovu@best-brokers.co.uk<\/h5><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

        Termeni si conditii 1. Informa\u021bii despre companie Acest website (iovumortgageservices.co.uk) este operat de\u00a0Best Brokers Ltd, o companie \u00eenregistrat\u0103 \u00een Anglia \u0219i \u021aara Galilor cu num\u0103rul de \u00eenregistrare\u00a008002946. Sediul social \u00eenregistrat:\u00a03 Chester Bridge, Crewe, England, CW2 7EF Best Brokers Ltd este Appointed Representative al\u00a0Financial Expert Partnership Ltd, care este autorizat \u0219i reglementat de\u00a0Financial Conduct Authority (FCA). 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