Terms & Conditions

1. Agreement to Terms

By accessing or using the website maximcohen.com and services provided by The Financier Ltd and its associated brands ("Company", "we", "us", or "our"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our services.

Our Brands: IsraelProperty.com and IsraelMortgages.com are brands of UK-Israel Group Ltd (Registered in the UK).

2. Services Overview

We provide:

• Financial advisory and consultancy services
• Mortgage and lending intermediation services
• Property services and real estate guidance
• Business finance solutions
• Accounting and tax advisory services
• Strategic business consultation

3. Regulatory Compliance

3.1 United Kingdom

Maxim Anthony Cohen is an approved person on the FCA register (REF MAC01431) and is certified and assessed by UK Finance Group (FCA 752970) and The UK Adviser Ltd (FCA 798920), which are authorised and regulated by the Financial Conduct Authority (FCA).

Buy-to-Let Mortgages, Commercial Loans, and Business Finance are not regulated by the FCA. Your home or assets may be repossessed if you do not keep up repayments on your mortgage or other loans secured on them.

3.2 United States

Services provided in the United States are subject to applicable federal and state laws. We comply with all relevant licensing requirements in states where we operate.

3.3 Israel

Real Estate Services: Maxim Cohen is a licensed real estate agent in Israel, registered with the משרד המשפטים (Ministry of Justice). Services are provided through IsraelProperty.com.

Mortgage Guidance: Mortgages in Israel are not regulated. IsraelMortgages.com provides general mortgage guidance and assistance with the application process. We are not a bank and do not provide credit directly. All mortgage approvals, terms and interest rates are determined solely by the issuing bank or lender. This is an information and guidance service only.

4. Use of Website

4.1 Acceptable Use

You agree to use our website only for lawful purposes and in a manner that does not:

• Infringe on the rights of others
• Restrict or inhibit anyone else's use of the website
• Attempt to gain unauthorized access to any systems
• Submit false or misleading information
• Transmit malicious code or harmful materials

4.2 Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. Financial Services Terms

5.1 No Guarantee of Approval

Submitting an application through our services does not guarantee loan approval or acceptance. All applications are subject to credit checks, affordability assessments, and lender criteria.

5.2 Fees and Charges

Our fee structure will be disclosed to you before you proceed with any service. Fees may vary depending on the complexity of the service and the products involved. Third-party fees (such as valuation fees, legal fees, or broker fees) are separate and will be disclosed where applicable.

5.3 Independent Advice

While we provide expert financial guidance, you should consider seeking independent legal and tax advice before making significant financial decisions.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Maxim Cohen Group or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Important Disclaimers

7.1 No Investment Advice

We do not provide investment advice. Any information provided on our website or through our services is for informational purposes only and should not be construed as investment advice or a recommendation to buy, sell, or hold any investment.

7.2 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Accessing third-party links is at your own risk.

8. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted, secure, or error-free
• Information provided is complete, accurate, or up-to-date
• Any defects will be corrected

9. Limitation of Liability

To the fullest extent permitted by law, The Financier Ltd and its associated brands shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services or website, including but not limited to loss of profits, data, or business opportunities.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless The Financier Ltd, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of our services or violation of these Terms.

11. Data Protection and Privacy

Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal information in accordance with UK GDPR, applicable US state laws, and Israeli privacy regulations.

12. Complaints and Disputes

12.1 UK Complaints

If you have a complaint about our services, please contact us directly. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (financial-ombudsman.org.uk).

12.2 Dispute Resolution

We encourage resolving disputes informally by contacting us first. If informal resolution fails, disputes shall be governed by the laws of the jurisdiction most relevant to the service provided.

13. Governing Law and Jurisdiction

• UK Services: Governed by the laws of England and Wales
• US Services: Governed by the laws of the relevant state
• Israel Services: Governed by the laws of the State of Israel

14. Termination

We reserve the right to terminate or suspend your access to our website and services immediately, without prior notice, for any reason, including violation of these Terms.

15. Changes to Terms

We may revise these Terms at any time by posting the updated version on this page. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and The Financier Ltd regarding your use of our services.

18. Contact Information

For questions about these Terms and Conditions, please contact:

The Financier Ltd
Email: maxim@thefinancier.com
Website: maximcohen.com

Important Notice: The Financier™ Ltd is registered in England and Wales (Company number 11409784). Registered office: 193a Ashley Road, Hale, Altrincham, United Kingdom, WA15 9SQ. The Financier™ Ltd is a 100% subsidiary of The Financier™ LLC, a Delaware Limited Liability Company.