Terms & Conditions
HENOC Terms & Conditions
1. Introduction
1.1 This website is owned and operated by Henoc Limited (trading as HENOC Corporate & Private Client Brokerage).
1.2 By accessing or using this website, you agree to comply with and be bound by these Terms of Use. If you do not agree, you must not use this website.
2. Information Only – Not Advice
2.1 The content on this website is provided for general information purposes only.
2.2 Nothing on this website constitutes financial, legal, tax, or insurance advice.
2.3 You must obtain independent professional advice before making any decisions relating to insurance, investment, or financial matters.
3. Intellectual Property
3.1 All text, graphics, branding, logos, images, and other materials on this website are owned or licensed by the Company.
3.2 You may view, download and print material from the website for your personal use only. You may not reproduce, distribute or use any content for commercial purposes without our prior written consent.
4. Use of Website
4.1 You agree not to use this website for any unlawful, fraudulent, or harmful purpose.
4.2 You must not attempt to gain unauthorised access to this website or its systems.
4.3 We reserve the right to suspend or restrict access to the website at any time without notice.
5. External Links
5.1 This website may contain links to third-party websites. These links are provided for convenience only, and we accept no responsibility for the content or reliability of external sites.
6. Liability Disclaimer
6.1 While we make reasonable efforts to keep the website content accurate and up to date, we make no representations or warranties of any kind, express or implied, about its completeness, accuracy, reliability, or availability.
6.2 To the fullest extent permitted by law, we exclude all liability for any loss or damage (direct or indirect), including business, financial, or insurance-related losses, arising from use of, or reliance on, this website or its content.
7. Regulatory Status
7.1 Henoc Limited (trading as HENOC Corporate & Private Client Brokerage) provides advisory and consultancy services. Unless expressly stated otherwise, the Company is not authorised by the Financial Conduct Authority (FCA) to carry out regulated activities.
7.2 Any regulated services will be provided through appropriately authorised partners or intermediaries.
8. Privacy & Data Protection
8.1 We may collect and process personal data in accordance with our Privacy Policy. By using this website, you consent to such processing.
9. Changes to Terms
9.1 We may update these Terms of Use from time to time. Please check this page regularly to ensure you are familiar with the latest version.
10. Governing Law
10.1 These Terms of Use are governed by the laws of England & Wales.
10.2 Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts of
England & Wales.
Terms & Conditions of Trade
HENOC Limited (trading as HENOC Corporate & Private Client Brokerage)
1. Definitions
“Company” means HENOC Limited (trading as HENOC Corporate & Private Client Brokerage).
“Client” means any person, firm or entity who engages the Company to carry out work or services.
“Services” means all work, services, goods, products or deliverables to be provided by the Company to the Client under an agreement.
“Agreement” means the contract between the Company and the Client formed by these Terms and Conditions plus any Proposal, Quotation, Contract or Schedule accepted by the Client.
“Fees” means the amounts payable by the Client to the Company for the Services.
2. Basis of Agreement
2.1 These Terms & Conditions govern all contracts for the supply of Services by the Company to the Client and supersede any prior agreement, negotiation or arrangement (unless expressly stated otherwise in writing).
2.2 No variation to these Terms and Conditions is valid unless agreed in writing by both parties.
2.3 By accepting a Proposal, Quotation or instruction to proceed, the Client is taken to accept these Terms & Conditions.
3. Proposals, Quotations & Fees
3.1 The Company will provide a Proposal or Quotation for the Services requested.
3.2 The Fees for the Services will be agreed on a case-by-case basis prior to any work commencing.
3.3 Once agreed in writing (including email confirmation), the Fees shall not be changed except by mutual agreement or in cases of unforeseen circumstances beyond the Company’s control.
3.4 The Proposal or Quotation shall detail the scope of Services, deliverables, timetable, and payment schedule (if applicable).
4. Client Obligations
4.1 The Client must provide all necessary information, materials, access, approvals, licences, or consents required for the Company to perform the Services.
4.2 The Client shall ensure the accuracy and completeness of all instructions and information supplied to the Company.
4.3 If the Client delays, fails to perform or obstructs the Services, the Company may charge for any resulting costs and extend any delivery or performance deadlines.
5. Performance of Services
5.1 The Company shall perform the Services with reasonable skill, care and diligence and in a professional manner.
5.2 The Company may engage subcontractors or third parties to carry out part or all of the Services, but remains responsible for their performance under the Agreement.
5.3 The Company shall not be liable for any delay or failure in performance caused by circumstances beyond its reasonable control (force majeure).
6. Fees, Invoicing & Payment
6.1 The Client shall pay the Fees as per the agreed terms in the Proposal/Quotation or invoice.
6.2 Unless otherwise agreed, the Company may issue invoices at milestones, on completion, or periodically (e.g. monthly).
6.3 Invoices are payable within [14 / 30] days from the date of invoice, unless otherwise agreed in writing.
6.4 If the Client fails to pay on time, the Company may charge interest on the overdue amount at a rate of [e.g. 4% above UK base rate] or the maximum permitted by law, plus any costs of debt recovery.
6.5 The Client shall not withhold or set off any amount due under the Agreement for any reason without the Company’s prior written consent.
7. Intellectual Property, Ownership & Licence
7.1 Unless otherwise agreed, all intellectual property rights in any work or deliverables created by the Company shall remain with the Company until full payment is made, at which point a licence or assignment (as agreed) may transfer to the Client.
7.2 The Client grants the Company a perpetual, non-exclusive licence to use any intellectual property, documents or materials supplied by the Client in connection with the Services.
7.3 The Client warrants that any materials or data it provides do not infringe any third-party rights, and indemnifies the Company against any claims arising from such infringement.
8. Confidentiality
8.1 Each party shall treat as confidential all information disclosed by the other party and not disclose it to any third party except as required by law or agreed in writing.
8.2 This obligation continues beyond termination of the Agreement.
9. Liability & Indemnities
9.1 Subject to clause 9.2, the Company’s liability under or in connection with the Agreement (whether in contract, tort, negligence or otherwise) is limited to the total Fees paid by the Client under that Agreement.
9.2 The Company accepts no liability for indirect, special, incidental or consequential loss, including loss of profit, revenue, business or goodwill.
9.3 The Client shall indemnify the Company against any loss, claim, damage, cost or expense arising from breach of the Client’s warranties or obligations under the Agreement or from the Client’s misuse of deliverables or materials.
10. Termination
10.1 Either party may terminate the Agreement by giving written notice if the other commits a material breach and fails to remedy it within [14 days] after written notice, or if the other becomes insolvent, goes into liquidation or has a receiver or administrator appointed.
10.2 On termination, the Client shall pay for all Services performed up to termination and all costs reasonably incurred. The Client shall return all materials, documents, deliverables belonging to the Company. Clauses which by their nature survive termination (e.g. confidentiality, liability, intellectual property, payment) remain in force.
11. Dispute Resolution & Governing Law
11.1 If a dispute arises, the parties shall first attempt to resolve it by negotiation or mediation.
11.2 Failing agreement, the dispute may be submitted to arbitration or litigation as agreed.
11.3 These Terms & Conditions and the Agreement are governed by and construed in accordance with the laws of England & Wales.
11.4 The parties submit to the non-exclusive jurisdiction of the courts of England & Wales for any dispute not resolved amicably.
12. Miscellaneous
12.1 If any provision of these Terms is held invalid or unenforceable, the remainder shall continue in full force.
12.2 Failure or delay by the Company to enforce any right shall not constitute a waiver.
12.3 The Client may not assign or transfer its rights or obligations without the Company’s prior written consent.
12.4 These Terms & Conditions constitute the entire agreement between the parties and supersede all prior agreements, understandings or representations.
13. Contract and Schedule 2
13.1 These Terms & Conditions shall be read together with the Company’s standard Contract and Schedule 2.
13.2 The Contract sets out the formal agreement between the Company and the Client, while Schedule 2 details the Client’s specific requirements, scope of work, deliverables, timetable, and any other agreed particulars.
13.3 These Terms & Conditions, the Contract, and Schedule 2 together form the entire Agreement between the Company and the Client. In the event of any inconsistency, the order of precedence shall be: (a) the Contract, (b) Schedule 2, (c) these Terms & Conditions.
13.4 No amendment or variation to the Contract or Schedule 2 shall be effective unless made in writing and signed by both parties.