Terms of Business

Please note that a copy of these Terms of Business will be provided to you before any work is commenced. By completing the final declaration and tick box on the registration form, you confirm that you have read, understood and agree to these Terms of Business.

For the purposes of these Terms:

“Bumblebee Paraplanning” or “Bumblebee” means Bumblebee Paraplanning.

“Client” means the mortgage adviser, broker, appointed representative, directly authorised firm or other business instructing Bumblebee Paraplanning.

“Customer” or “Applicant” means the Client’s customer whose mortgage, protection, insurance or related case Bumblebee Paraplanning is assisting with.

GENERAL

• Our standard hourly rate is £25 per hour, unless otherwise agreed in advance.

• Case-based fees are detailed on our Case & Client Services page.

• Like-for-like Product Transfers (PTs) are charged at a 20% discount from the applicable standard case fee.

• Cases assessed as complex are charged at a 20% increase from the applicable standard case fee. Where possible, we will confirm that a case is being treated as complex before the additional charge is incurred.

• Clients expecting to submit 10 or more cases per month are invited to contact us to discuss available loyalty pricing.

• Additional services can be added to a package through the relevant case submission form. Any additional charges will be made clear before the additional work is undertaken.

• Fees and services shown on the website may be updated from time to time. Any changes affecting existing Clients will be communicated in accordance with these Terms of Business.

BOOKING AND SERVICE TERMS

• A registration form and initial consultation will need to be completed before Bumblebee Paraplanning begins accepting work from a new Client.

• Cases should be submitted using the agreed submission process and must contain sufficient information and documentation for Bumblebee Paraplanning to carry out the requested work.

• Documents and information may be sent and received through our website, email or an agreed secure cloud-sharing method.

• Where a Customer or Applicant sends documentation directly to Bumblebee Paraplanning, this will be made available to the Client using the agreed method for that Client’s cases.

• Depending on the services selected and the Client’s instructions, Bumblebee Paraplanning may communicate directly with Customers or Applicants, lenders, providers, solicitors, conveyancers and other relevant third parties for the purposes of obtaining information, progressing applications, providing factual updates and completing agreed administration or paraplanning services.

• Where Bumblebee Paraplanning communicates directly with a Customer or Applicant, it does so as an outsourced support service for the Client and in accordance with the Client’s instructions, agreed processes and applicable regulatory or network requirements.

• The Client remains responsible for the regulated advice provided to its Customers, including the suitability of any mortgage, protection or insurance recommendation, and for the regulatory oversight and approval of the case.

• Bumblebee Paraplanning does not independently provide regulated mortgage, protection or insurance advice or make personal recommendations directly to Customers in its own capacity.

• The Client must not instruct Bumblebee Paraplanning to undertake any activity outside the agreed scope of service or any activity which the Client knows would require Bumblebee Paraplanning to hold a regulatory permission that it does not hold.

• The Client is responsible for ensuring that its use of Bumblebee Paraplanning, including any direct Customer contact requested from us, is permitted by its own regulatory permissions, Principal, network, compliance department and/or internal outsourcing requirements where applicable.

• Bumblebee Paraplanning will use reasonable care to complete work within the agreed or expected timescales. However, we cannot be held responsible for delays outside our reasonable control, including delays caused by Customers, Clients, lenders, providers, solicitors, conveyancers, valuers or other third parties.

• Bumblebee Paraplanning reserves the right to decline, suspend or cease any work which we reasonably believe is unethical, unlawful, misleading, outside our agreed scope of service or skill set, or could place Bumblebee Paraplanning in breach of its legal, data-protection or other obligations.

• Bumblebee Paraplanning reserves the right to amend its fees or service structure by providing existing Clients with at least one month’s written notice of any change that will affect them. Changes will not retrospectively alter fees already agreed for work undertaken before the change takes effect.

PAYMENT TERMS

• Fees will be agreed with the Client before work is undertaken. Fees may be charged on a case basis, according to the services selected and complexity of the case, or at the agreed hourly rate.

• Current standard fees are published on our website. Where a fee differs from the standard published fee, this will be agreed with the Client before the relevant work is undertaken.

• Invoices are issued monthly at the beginning of each month and will normally cover work completed or chargeable during the previous month.

• Invoices must be paid by the due date shown on the invoice.

• Where a business-to-business invoice becomes overdue, Bumblebee Paraplanning reserves the right to charge statutory interest and any applicable fixed-sum compensation and reasonable debt-recovery costs in accordance with the legislation applying to late commercial payments.

• Where an invoice remains outstanding, Bumblebee Paraplanning may suspend further work or decline to accept additional cases until the account has been brought up to date.

• Where reasonable attempts to recover an overdue payment have been unsuccessful, Bumblebee Paraplanning reserves the right to refer the outstanding balance for formal debt recovery or legal action. The Client may also be liable for recoverable costs associated with that action where permitted by law.

• Any query or dispute relating to an invoice should be raised with Bumblebee Paraplanning as soon as reasonably possible after receipt of the invoice.

CONFIDENTIALITY AND DATA PROTECTION

• Bumblebee Paraplanning will treat all confidential information received from a Client or relating to a Client’s Customers with the strictest confidence.

• Bumblebee Paraplanning will not knowingly disclose or communicate confidential information to any third party except where this is necessary to carry out the services instructed by the Client, where the Client has authorised the disclosure, where disclosure is required by law or a competent authority, or as otherwise permitted under the applicable data-protection arrangements.

• Confidential information will not be used by Bumblebee Paraplanning for any purpose unrelated to the provision of its services.

• Confidentiality obligations will continue after the completion or termination of an individual case or the business relationship with the Client.

• Where Bumblebee Paraplanning processes personal information relating to a Client’s Customers on the Client’s behalf, Bumblebee Paraplanning will normally act as a data processor, with the Client or relevant regulated firm remaining responsible for determining the purposes for which that Customer information is processed.

• Bumblebee Paraplanning may act as a data controller for personal information processed for its own legitimate business purposes, including information relating to its own Clients, contacts, invoicing, accounting, business administration and legal obligations.

• Bumblebee Paraplanning may process confidential financial information and, where relevant to the work instructed, special-category or otherwise sensitive personal information supplied by the Client or Customer, including information relating to health, vulnerability or other personal circumstances.

• Personal data will only be processed for the purposes required to provide the agreed services or meet Bumblebee Paraplanning’s applicable legal obligations.

• Customer documentation received directly by Bumblebee Paraplanning will be shared with the relevant Client using the agreed secure method.

• Personal information and documentation processed on behalf of a Client will be retained, returned or securely deleted in accordance with the applicable data-processing agreement, the Client’s documented instructions, Bumblebee Paraplanning’s retention procedures and any legal requirements applying to the information.

• Bumblebee Paraplanning will maintain appropriate technical and organisational measures designed to protect personal and confidential information from unauthorised access, loss, alteration or disclosure.

• The Client is responsible for ensuring it has an appropriate lawful basis for providing Customer personal data to Bumblebee Paraplanning and for ensuring that its Customers receive the appropriate privacy information regarding the use of outsourced service providers.

• Where required, Bumblebee Paraplanning will enter into an appropriate confidentiality agreement, non-disclosure agreement and/or data-processing agreement with the Client.

• Bumblebee Paraplanning is registered with the Information Commissioner’s Office (ICO) under registration number ZC011236 and processes personal information in accordance with applicable UK data-protection legislation, including the UK GDPR and Data Protection Act 2018.

LIABILITY AND RESPONSIBILITY

• Bumblebee Paraplanning will exercise reasonable care and skill when carrying out the services agreed with the Client.

• The Client is responsible for providing Bumblebee Paraplanning with complete, accurate and legible information and documentation required to complete the requested work.

• Bumblebee Paraplanning cannot accept responsibility for errors, delays or losses arising from inaccurate, incomplete, outdated or misleading information supplied by the Client, Customer or another third party.

• The Client remains responsible for reviewing and approving any work where regulatory, compliance or adviser approval is required before it is issued, submitted or relied upon.

• Bumblebee Paraplanning will correct, at no additional charge, any material error in its work which has been caused directly by Bumblebee Paraplanning, provided the error is brought to our attention within a reasonable period.

• Bumblebee Paraplanning cannot accept responsibility for interruptions, loss or damage arising from circumstances outside its reasonable control, including failure of third-party systems, lenders, providers, portals, email services or cloud-storage providers.

• Bumblebee Paraplanning uses appropriate security and anti-malware measures for its systems. However, the Client remains responsible for maintaining appropriate security, anti-virus protection and access controls on its own systems and devices.

• Bumblebee Paraplanning reserves the right not to open, download or process unsolicited, suspicious or potentially harmful files, attachments, links or communications.

• Nothing within these Terms of Business excludes or limits any liability which cannot legally be excluded or limited.

Bumblebee Paraplanning – Terms of Business Updated 10/08/2026