Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Smile Pad Limited’s relationship with you in relation to this website.

The term “Smile Pad” or “us” or “we” refers to the owner of this website. The term “you” refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

We reserve the right, at our sole discretion, to change, modify, add or remove any portion of these Terms and Conditions, in whole or in part, at any time by posting revised Terms of Conditions on this website. Changes in these Terms and Conditions will be effective when such a change is posted. Your continued use of the website after any changes to these Terms and Conditions are posted will be considered acceptance of those changes. We may terminate, change, suspend or discontinue any aspect of the website, including the availability of any features of the website, at any time. We may also impose limits on certain features and services or restrict your access to parts or the entire website without notice or liability. We may terminate the authorization, rights and license given herein.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics.

Permission is given for the downloading and temporary storage of material from this website for the sole purpose of viewing on a personal computing device.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

The contents of this site are protected by copyright under international conventions and, apart from the permission stated, the redistribution, reproduction, permanent storage, or re-transmission of the contents of this site is prohibited without prior written consent obtained from authorized representatives of Smile Pad Limited.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorized use of this website may give to a claim for damages and/or be a criminal offence.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Smile Pad Limited is not providing investment advice through this website, and the material on the website should not be regarded as an offer to sell, or a solicitation of an offer to buy, any securities of Smile Pad Limited.

If you decide to use any material available on this website in assessing whether to buy or sell securities of Smile Pad Limited, please be aware that the material on the website reflects past performance and historical information only, and that such performance and information is not necessarily an indication of future performance.

Forward-Looking Statements

This website may contain various forward-looking statements and include assumptions concerning the operations, future results and prospects of Smile Pad Limited and its affiliates. These forward-looking statements are based on current expectations and are not guarantees of performance. The statements are subject to risk and uncertainties, which are difficult to predict and beyond the control of management. Actual performance and results will be subject to important economic and other factors that could cause the actual results or events to differ materially from those set forth or implied by the forward-looking statements and related assumptions. Any such forward-looking statements (and any other dated materials) speak only as of the date made and we caution readers not to place undue reliance on them. We undertake no obligation to update any forward-looking statement based upon new information, future events or otherwise.

Smile Pad Limited shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from: (i) your use or inability to use the website; (ii) unauthorized access to or alteration of your transmissions or data; (iii) statement or conduct or any third party on the website; or (iv) any other matter relating to the website.

COMPLAINTS PROCEDURE – Execudent Ltd T/A Smile Pad

Our Procedures
Any complaint verbal or written, including electronically, will be referred to our complaint’s manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also
– Record details on the firm’s system immediately
– We will not delay your complaint by asking you to write to us about your complaint
– We will acknowledge the complaint in writing promptly
– We will make contact to seek clarification on any points where necessary
– Fully investigate the complaint
– Keep you informed of our progress
– Discuss with you our findings and proposed response
– Ensure that our firm partners have a compliant complaints procedure and are communicating with their customer using this
– Provide clear deadlines to respond

You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.

Execudent Limited T/A Smile Pad
Customers may express dissatisfaction to us about our products and services. We will need to establish whether or not the complaint relates to the information given, the firm or the service and installation. If unclear, this must not delay investigation and we will proceed with our own investigation. The complaints manager will review this matter and take the complaint to the firm for them to investigate and provide a written explanation and any supporting information. This may include photos, checklists or remedial satisfaction notes.

Investigation
The complaints manager will establish the nature and scope of the complaint having due regards to the Financial Conduct Authority’s direction:
– Deal with complaints promptly and fairly
– Give complainants clear replies and, where appropriate, fair redress
– We may take up to 8-weeks to provide a response

Eligible Complainants
It is the firm’s policy to treat all complainants the same, however, eligible complainants, customers that have purchased goods and services using a lenders finance, are legally defined and have additional rights in law that we must acknowledge and adhere to.

The Financial Conduct Authority complaints rules apply to complaints:
– Made by, or on behalf of an eligible complainant.
– Relating to regulated activity.
– Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience.

Final response
This will set out clearly our decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.
The firm must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:
– Explain that the complainant must refer the matter to the ombudsman within six months of the date of the final response letter or the right to use this service is lost
– Indicate whether or not we consent to waive the relevant time limits.

Complaints Settled within 3 business days
Complaints that can be settled to the customer’s satisfaction within 3 business days can be recorded and communicated differently.

Where we consider a complaint to be resolved to the customer’s satisfaction under this section, the firm will promptly send a ‘Summary Resolution Communication’, being a written communication from them which:
(1) Refers to the fact that the customer has made a complaint and informs them that they now consider the complaint to have been resolved to the customers satisfaction.
(2) The firm will tell the customer that if they subsequently decide that they are dissatisfied with the resolution of the complaint they may be able to refer the complaint back to the firm for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
(3) Provide the website address of the Financial Ombudsman Service; and
(4) Refer to the availability of further information on the website of the Financial Ombudsman Service.

In addition to sending you a Summary Resolution Communication, the firm may also use other methods to communicate the information where:
(1) We consider that doing so may better meet the customer’s needs; or
(2) They have already been using another method to communicate about the complaint. This may include recorded calls, emails or text messages.

Closing a complaint
We will consider a complaint closed when we have made our final response to the customer. This does not prevent a customer from exercising any rights they may have to refer the matter to the Financial Ombudsman Service.

Financial Ombudsman Service
We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.

How Long You Have to Complain to the Financial Ombudsman Service
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date the final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

Contact:
The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Your use of this website and any dispute arising out of such use of the website is subject to UK law.

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