Governance upon which we provide consultancy services.
Our aim is to provide you with high quality, efficient and timely services. In order to achieve these objectives we will work closely with you and ensure that we are able to deal promptly with your enquiries. We will act in what we perceive to be in your best interests, keeping your affairs confidential and, in the event that any conflict of interests may arise, point these out to you as soon as practical after we become aware of any such conflict.
Fees are based either on:
Our letter of engagement, which we will require you to sign, will set out the basis of fees for any given assignment. Time spent on a matter will be recorded and this will include time spent seeing you or others, telephone calls, preparing, reading or considering documents, research, preparatory work, correspondence, travelling and waiting.
Our current fee rates will be set out in the letter of engagement. The rates are liable to change: if that happens we will tell you the new rates.
Unless otherwise agreed in writing, you will be responsible for the settlement of fees and for reimbursing any expenses we incur on your assignment.
If you do not pay within a reasonable period, we may treat this as a termination of our instructions from you.
Where the basis of our fees is time spent, we will do our best to keep you informed as to the likely costs.
Our invoices will generally only contain a brief summary of the work carried out. You have the right to ask for a more detailed breakdown if you wish.
Depending upon the nature of the assignment, we will render invoices to you on either completion of the assignment, or on a monthly or quarterly basis. We reserve the right to send invoices on a more frequent basis if your assignment requires an unusually large amount of work, or if it is otherwise appropriate to do so.
We also reserve the right to request a payment on account of future fees to be incurred in the assignment.
All bills are for settlement in Sterling upon presentation. We reserve the right to charge interest at the rate of 5% per annum if payment is not received in full within 30 days of the account date.
There is no Value Added Tax or any other similar form of tax or levy made by the Guernsey government, which has to be paid by you on our fees. If you are resident outside Guernsey, taxes or levies on our fees payable in your country of residence or domicile will be for your account in addition to the net amount shown on our account as payable to us.
When considered appropriate, we will communicate with you by way of letter, email or telephone, or any combination of these, at the address or number last given to us by you in communication generally. We do not encrypt messages unless by prior agreement and cannot guarantee the security of any transmission in any event and accept no responsibility or liability in respect of the same. If you do not wish us to communicate with you by any particular method then you must instruct us accordingly.
We reserve the right to record telephone calls.
We will keep all documents, correspondence, memoranda and notes which have been created in the course of our acting for you, for 6 years. During this period we reserve the right, but have no obligation, to make electronic copies of such documents, correspondence, memoranda and notes and, save for original signed documents, we reserve the right to destroy hard copies and store the remainder of the filing electronically. After 6 years our continued retention (whether in electronic form or otherwise) of files of papers and documents (other than originals) is on the clear understanding that we have the right to destroy all such files at such time as we consider appropriate and unless we have been advised by you to the contrary at or prior to the conclusion of any assignment. In accepting these terms we will treat you as having consented to the destruction of such files.
We are registered as a holder of personal data in relation to our clients and contacts under The Data Protection (Bailiwick of Guernsey) Law, 2017. You may at any time request a copy of any personal data which we hold in electronic form about you.
We will keep your affairs confidential. However, you agree that Navitaur Limited may, if so required by insurers, auditors or other advisers, or if we decide to supply such to insurers in connection with a potential claim against Navitaur Limited, provide them with information (including documents) relating to you on an assignment.
We reserve the right to apply checks and procedures (including in particular confirmation of identity and address/place of business) in respect of all matters in which we are engaged. Any information and documentation provided to us in order to enable us to operate such checks and procedures may be subject to disclosure and production pursuant to orders having legal effect in Guernsey. By engaging us in any matter and providing such information as we require, you will be taken to have consented to our onward disclosure of such information to third parties where appropriate.
We reserve the right to vary these terms of business from time to time including during the course of acting for you in any particular assignment. Where we do vary these terms of business in the course of acting for you, we shall use reasonable efforts to draw to your attention any such variations.
A copy of these terms of business and any variations thereto from time to time in force will be sent to you in hard copy upon request at the outset of any matter. However, these terms and any future variations thereto are published on Navitaur Limited’s website at www.navitaur.com by way of public notice to all clients and prospective clients. If we have given you written notice of the existence of these terms of business on our website and you have not requested a hard copy to be sent to you, then, by the publication of these terms and any variations thereto on our website, you shall be deemed to have agreed these terms.
Once instructed on a particular assignment, we will continue to work with you on that assignment until its conclusion unless:
If we cease to act for you in any of the above circumstances we will inform you and you will be responsible for payment of all fees and disbursements up to the date of termination and any costs and disbursements reasonably incurred in connection with the transfer of the assignment to another consultant of your choice. We reserve the right to retain all papers and documents which relate to the transaction until the fees and disbursements have been paid.
Navitaur Limited is not authorised to, and does not, give investment advice.
If you are unhappy with the service which has been provided by Navitaur Limited or the level of fees charged, you should contact the Managing Director.
These terms of business shall constitute the contract for the provision of our services to our clients and shall be governed by and construed in accordance with Guernsey law. In accepting these terms of business you hereby irrevocably agree that the Courts of Guernsey shall have exclusive jurisdiction to settle any claim, difference or dispute which may arise out of or in connection with such contract and waive any rights to claim that such Courts are not an appropriate forum.
"Nick has the unending willingness and knowledge to help both his client and the transacting institution get the deal done. From initial idea through to completion, Nick is there to help with pragmatic sensible advice. It is always a pleasure dealing with him."Head of Credit, Private Bank
"Nick is a rare breed of professional who has retained his integrity over the years. My experience with Nick has been one where I was impressed with his easy understanding of complex issues while providing realistic advice. He has lived a life and any client of his will benefit from his experience and wisdom."Private Client
"Nick's extensive industry experience means he is uniquely well placed to both assess a client's particular funding requirement and match this to suitable market providers. From a lending Bank perspective, Nick adds significant value through his own risk based analysis and being able to identify and provide rationale in support of any 'out of policy' features. Nick is highly responsive and adept at negotiating on his clients' behalf to deliver optimal solutions. He is a trusted business partner and always operates with integrity and in an open and transparent manner."Relationship Director, Private Bank
"I have worked with Nick as a funder on a number of transactions and consider that his proposals are robust, thought through and well presented. Nick represents a number of high calibre clients who entrust him to structure, negotiate and then play an active part in the completion process. Nick's historic experience on the 'funding' side of transactions ensures a smooth and focused process, adding value in all key aspects."Managing Director, Commercial Real Estate Division, Independent Banking and Financial Advisory Group
"Nick has been instrumental in advising our investment consortium over the past 5 years with regards to a commercial loan facility held in respect of a UK office building. He is responsive, innovative and demonstrates solid negotiation skills when dealing with bank funders. We have benefitted hugely from his expertise and advice and highly recommend his services."Private Property Investment Group
"Nick has been a pleasure to deal with and has made the funding of a London property seem much simpler than it really is. More recently he has advised us on the funding of a significant commercial real estate acquisition and it is self evident that his experience and knowledge from the finance industry has not just helped save us a large amount of costs but also found us the type of funding that is much more suited to our longer term requirements. A trusted professional."Private Client and Property Investor
"We have always enjoyed working with Nick. He is responsive, innovative, efficient and an overall pleasure to work with. He is our 'go to' man whenever possible."Private Property Investor
"I have known Nick professionally for many years. He is a pleasure to work with and a consummate professional. He is highly knowledgeable, experienced and a man of great humility and integrity. Nick's practical and innovative approach to problem-solving is invaluable in ensuring difficult transactions complete."Senior Partner, International Law Firm
"At our initial meeting I was most impressed by Nick's calm, friendly and warm temperament. His personal attributes are matched by his efficiency and can do attitude. My family and I have benefitted tremendously by knowing and dealing with Nick and remain loyal clients a decade after meeting him."Property Investor and Private Client
"Nick is my first choice when I need any financial solutions. He puts huge effort into fulfilling my requirements and having looked in depth into my business, offers sophisticated and open minded solutions."Property Investor and Private Client
"I have known Nick for many years. He is a pleasure to work with. He is adept at understanding clients' requirements, and brings creative talents to fulfilling them."Private Client/Property Lawyer
"Nick has successfully helped us over a number of years with our banking and property financing requirements and we have always found him to be understanding of our requirements and both helpful and expedient in his approach."Privately Owned Property Investment Company
"Nick is a breath of fresh air and honesty in an industry that is becoming increasingly more difficult and adversarial. His expertise and clear thought processes have helped me on many occasions. I won't work with anyone else."Private Client
"Proactive and efficient approach. Always ready to help to solve the problem and be creative rather than the opposite as with so many others. Add to that a really pleasant disposition and all in all a recipe for a great working relationship."Private Client
"I have always found Nick very straightforward and easy to deal with, and most importantly able to work alongside the flexibility required for our often bespoke property and lending requirements. A man of his word, I can highly recommend him."Entrepreneur and Private Client
"Nick is pragmatic and demonstrates a real desire to assist in all matters, whether simple or complex. He is responsive, knowledgeable, experienced, a real partner to our business."Privately Owned International Investment and Property Group