Terms of Engagement

Last updated: 2 July 2026.

These Terms of Engagement govern the supply of enquiries and appointment-setting services by GAPGNX Limited (“GAP GNX”) to the receiving firm (“the Firm”). They apply to every Proposal, order and supply of Services and, together with any Proposal and the Firm’s completed Partner Application, form the Contract between the parties. They should be read in full before any order is placed.

The Firm’s attention is particularly drawn to Clause 9 (No Guarantee of Outcomes), Clause 12 (Limitation of Liability) and Clause 8 (Disputes, Replacements & Chargebacks).

1. Definitions

Applicable Laws — all laws, statutes and regulations in force in England and Wales, including FCA rules and Data Protection Legislation.

Business Day — a day other than a Saturday, Sunday or public holiday in England.

Charges — the fees payable for the Services as set out in the applicable Proposal or pricing schedule.

Contract — the agreement between GAP GNX and the Firm comprising these Terms, the Proposal and the Partner Application.

Enquiry / Appointment — a consumer who has expressed interest in financial services and, where stated, agreed a time to speak with the Firm’s adviser.

Data Protection Legislation — UK GDPR, the Data Protection Act 2018 and all related regulation.

Proposal — the document outlining the Services, volumes and Charges agreed with the Firm.

Services — marketing, lead generation, qualification and appointment-setting services supplied by GAP GNX.

2. Basis of Contract

2.1 The Firm’s order (whether by signed Proposal, Partner Application or written instruction) constitutes an offer to purchase Services on these Terms.

2.2 The Contract comes into being when GAP GNX accepts the order in writing or begins providing the Services, whichever is earlier.

2.3 These Terms prevail over any terms the Firm seeks to impose or incorporate.

3. Nature of the Services

3.1 GAP GNX provides marketing, lead generation and appointment-setting services only.

3.2 GAP GNX does not provide financial advice, make recommendations, assess suitability, or arrange investments or transactions.

3.3 Enquiries are generated from information provided by consumers. GAP GNX does not warrant the accuracy or completeness of consumer-supplied information.

4. Regulatory Status & Roles

4.1 GAP GNX is not authorised by the Financial Conduct Authority and carries on no regulated activity.

4.2 The Firm warrants that it is authorised and regulated by the FCA (or is an appointed representative of an authorised principal) and holds all permissions necessary for the regulated activities arising from any Enquiry.

4.3 The Firm is solely responsible for assessing Enquiries, determining suitability, contacting consumers, providing advice, and entering into any transaction.

4.4 The Firm shall ensure every financial promotion and communication with a consumer complies with the FCA rules and s21 of the Financial Services and Markets Act 2000.

5. Qualification & Introductions

5.1 Any qualification, screening or triage carried out by GAP GNX is limited to assessing basic eligibility and engagement criteria and does not constitute financial advice, a personal recommendation or a suitability assessment.

5.2 Each qualified Enquiry is generated via a recorded qualification call. Recordings are retained as evidence for dispute resolution (Clause 8).

5.3 GAP GNX may arrange an initial introduction or appointment; all subsequent contact and services are arranged directly between the Firm and the consumer.

6. Firm Obligations

The Firm shall:

• comply with all Applicable Laws and FCA regulatory requirements;
• ensure all consumer communications are lawful and compliant;
• contact supplied Enquiries promptly and professionally;
• assess suitability independently and not rely on GAP GNX for advice or regulatory compliance;
• maintain its FCA authorisation and permissions throughout, and notify GAP GNX of any change without delay;
• not resell, share or transfer supplied Enquiries to any third party without written consent.

7. Charges & Payment

7.1 Charges are as set out in the applicable Proposal or pricing schedule and, unless stated otherwise, are inclusive of VAT.

7.2 Enquiries are payable in advance of delivery unless a credit arrangement is agreed in writing. Where invoiced, payment is due within the period stated on the invoice.

7.3 GAP GNX may suspend Services where any undisputed sum remains unpaid after its due date.

7.4 Volume or term discounts, where offered, are confirmed in writing on order and are not combinable unless expressly agreed.

8. Disputes, Replacements & Chargebacks

8.1 Where an Appointment is found not to meet the stated qualification criteria, the Firm may raise a dispute. For contracted firms there is no fixed dispute window; disputes may be raised at any reasonable time, supported by a clear written reason.

8.2 Every qualification call is recorded. On a dispute, GAP GNX reviews the recording against the criteria. If the recording confirms correct qualification, the dispute is rejected; if it reveals a qualification failure, the dispute is upheld.

8.3 The remedy for an upheld lead-quality dispute is, at GAP GNX’s election, a replacement Appointment at no additional cost or a credit of the Charge for that Appointment. Replacement or credit is the Firm’s sole remedy. GAP GNX aims to resolve disputes within 2 Business Days.

8.4 Billing errors (e.g. duplicate or incorrect charge) must be notified in writing within 7 calendar days of the transaction, with the invoice reference and supporting detail.

8.5 Before initiating any chargeback or payment reversal, the Firm must first raise the matter with GAP GNX to allow investigation. Initiating a chargeback without prior resolution is a material breach and may result in suspension, recovery of an administrative fee, and outstanding balances becoming immediately due.

9. No Guarantee of Outcomes

GAP GNX does not guarantee conversion rates, client engagement, revenue, business outcomes, or the accuracy or completeness of consumer information. Any conversion figures shared are network averages, illustrative only and not a warranty of results for the Firm.

10. Data Protection

10.1 Each party acts as an independent data controller in respect of personal data it processes and is responsible for its own compliance with Data Protection Legislation.

10.2 The Firm is responsible for the lawful processing of any personal data supplied to it and for meeting its own transparency and lawful-basis obligations to the consumer once supplied.

10.3 All Enquiries are generated and shared in compliance with UK GDPR and the Data Protection Act 2018.

11. Intellectual Property & Confidentiality

11.1 All intellectual property created by GAP GNX remains its property unless otherwise agreed in writing.

11.2 Each party shall keep confidential the commercial terms of the Contract and any non-public information disclosed under it.

12. Limitation of Liability

12.1 Nothing in the Contract limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be limited.

12.2 Subject to 12.1, GAP GNX is not liable for: decisions made by the Firm in relation to any Enquiry; advice, recommendations or services provided by the Firm or any third party; the accuracy or completeness of consumer information; or any loss of profit, revenue, business, goodwill or opportunity, or any indirect or consequential loss.

12.3 Subject to 12.1, GAP GNX’s total liability arising under or in connection with the Contract shall not exceed the total Charges paid by the Firm in the three (3) months preceding the event giving rise to the claim.

13. Term & Termination

13.1 Unless a minimum term is stated in the Proposal, either party may terminate on 30 days’ written notice.

13.2 GAP GNX may terminate immediately on the Firm’s non-payment, material breach, or loss of FCA authorisation.

13.3 Termination does not affect Charges accrued or Enquiries already supplied.

14. General

14.1 The Contract is the entire agreement between the parties and supersedes prior discussions.

14.2 No variation is effective unless agreed in writing. No third party has rights under the Contracts (Rights of Third Parties) Act 1999.

14.3 The Contract, and any dispute arising from it, is governed by the laws of England and Wales, and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

Acceptance

By signing a Proposal or Partner Application, or by placing an order for Services, the Firm confirms that it has read, understood and accepts these Terms of Engagement in full, together with the accompanying Proposal and Charges & Payment Schedule. The signatory confirms they are authorised to accept these Terms on behalf of the Firm.

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GAPGNX Limited · Company No. 12013134 · Registered office: The Glades, Festival Way, Festival Park, Stoke-on-Trent, Staffordshire, ST1 5SQ · ICO: ZB046871 · VAT: 346739662. This Contract is governed by the laws of England and Wales.