Free Leads – Full Commercial Agreement
This Agreement is made on 11/09/2025 between:
Guru Advisory Services Ltd (company number 14655582), trading as Advice Guru (“Advice Guru”),
whose registered office is at Unit 7, 36 William Prance Road, Seaton Business Park, Plymouth PL6 5WR
and
Guru Mortgage Solutions (“the Firm”), whose registered office is at 44 Torland Road
Plymouth, Devon PL3 5TT
1. Purpose
1.1 Advice Guru agrees to provide free consumer leads to the Firm.
1.2 Leads will consist of individuals who have enquired about later life borrowing options via the Advice Guru website and Learning Zone.
1.3 All leads have been generated by a professional online lead generation marketing company, with clients having voluntarily provided their information and agreed to the creation of an Advice Guru learning account.
2. Obligations of the Firm
2.1 The Firm shall track all cases provided and ensure each client receives high-quality service.
2.2 Should a client proceed with an application:
– All cases must be submitted through AIR Sourcing and the AIR portal for case tracking and completion purposes.
– Equilaw must be used for conveyancing for case tracking and completion purposes.
2.3 The Firm shall comply with all applicable regulatory requirements, including FCA rules.
2.4 The Firm shall provide regular updates to Advice Guru on the status of each lead (contacted, in progress, completed, or withdrawn).
3. Fees and Payment
3.1 Where a client completes a case, fees received shall be allocated as follows: 40% to the Firm (adviser share), 60% split equally between Advice Guru and the Lead Generating Firm (30% each).
3.2 Payments shall be made promptly on receipt of lender procuration fees and advice fees, ensuring transparency and accurate tracking.
3.3 Advice Guru shall have the right to audit the Firm’s records relating to the leads and fees to ensure compliance with this Agreement.
4. Data Protection (GDPR)
4.1 Both parties shall comply with the UK GDPR, the Data Protection Act 2018, and any other applicable data protection legislation.
4.2 The Firm shall process all personal data of leads provided by Advice Guru solely for the purpose of contacting and advising the client.
4.3 Each party shall implement appropriate technical and organisational measures to protect personal data.
4.4 The Firm must delete or anonymise any personal data once it is no longer required for the agreed purpose, subject to regulatory retention rules.
5. Confidentiality
5.1 This Agreement and its contents are strictly confidential and must not be disclosed to any third party without the prior written consent of Advice Guru, unless required by law or regulation.
5.2 The Firm shall ensure that its employees, contractors, or representatives are made aware of and comply with this confidentiality obligation.
5.3 In the event of a breach of this clause:
– Advice Guru shall be entitled to seek injunctive relief to prevent further disclosure;
– Advice Guru may claim damages for any loss suffered; and
– Advice Guru may terminate this Agreement with immediate effect.
6. Lead Ownership and Use
6.1 All leads provided under this Agreement remain the exclusive property of Advice Guru.
6.2 The Firm may only use leads for the purpose of providing later life lending advice under this Agreement.
6.3 The Firm must not sell, transfer, or share leads with any third party without prior written consent from Advice Guru.
7. Service Standards
7.1 The Firm shall deal with all leads promptly, professionally, and in compliance with FCA rules and industry best practice.
7.2 Advice Guru reserves the right to suspend or withdraw lead provision if service standards are not maintained.
8. Indemnity
8.1 The Firm shall indemnify and hold harmless Advice Guru against all claims, losses, fines, or liabilities arising from:
– Any breach of this Agreement by the Firm;
– Any failure by the Firm to comply with FCA, GDPR, or other regulatory requirements;
– Any negligence or misconduct in dealing with clients.
9. Non-Circumvention and Non-Compete
9.1 The Firm agrees not to enter into any direct contractual or commercial relationship with Advice Guru’s lead generation partners, marketing providers, or Equilaw for the purpose of obtaining similar services or bypassing Advice Guru.
9.2 The Firm shall not attempt to contact, contract with, or make arrangements with any lead generation provider, solicitor, or partner introduced by Advice Guru without prior written consent.
9.3 Breach of this clause shall entitle Advice Guru to:
– Terminate this Agreement with immediate effect;
– Recover damages equal to the lost revenue and fees that would otherwise have been due; and
– Seek injunctive relief to prevent further breach.
10. Limitation of Liability
10.1 Advice Guru shall not be liable to the Firm for any indirect, consequential, or economic losses, including loss of profit or business opportunity.
10.2 The total liability of Advice Guru under this Agreement shall not exceed the total fees actually received by Advice Guru in respect of the relevant case giving rise to the claim.
10.3 Nothing in this clause limits liability for death, personal injury, fraud, or wilful misconduct.
11. No Guarantee of Leads or Conversions
11.1 Advice Guru provides leads on a free basis and does not guarantee: – The number or frequency of leads supplied;
– That any lead will convert into business; or
– Exclusivity of leads, unless expressly agreed in writing.
12. Force Majeure
12.1 Neither party shall be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to IT outages, natural disasters, strikes, pandemics, or regulatory changes.
13. Variation and Entire Agreement
13.1 No variation of this Agreement shall be valid unless in writing and signed by both parties.
13.2 This Agreement constitutes the entire agreement between the parties and supersedes any prior understandings, agreements, or representations.
14. Assignment
14.1 The Firm may not assign, transfer, or subcontract its rights or obligations under this Agreement without the prior written consent of Advice Guru.
15. Term and Termination
15.1 This Agreement shall continue unless terminated by either party.
15.2 Either party may terminate this Agreement by giving 28 days’ written notice to the other.
16. Governing Law
16.1 This Agreement shall be governed by and construed in accordance with the laws of England and Wales.
16.2 The parties submit to the exclusive jurisdiction of the English courts.
Signatures
Signed: Stuart Powell Stuart Powell on behalf of Guru Mortgage Solutions. Date: 11/09/2025
on behalf of Advice Guru
Free Leads – Full Commercial Agreement
This Agreement is made on 11/09/2025 between:
Guru Advisory Services Ltd (company number 14655582), trading as Advice Guru (“Advice Guru”),
whose registered office is at Unit 7, 36 William Prance Road, Seaton Business Park, Plymouth PL6 5WR
and
Guru Mortgage Solutions (“the Firm”), whose registered office is at 44 Torland Road
Plymouth, Devon PL3 5TT
1. Purpose
1.1 Advice Guru agrees to provide free consumer leads to the Firm.
1.2 Leads will consist of individuals who have enquired about later life borrowing options via the Advice Guru website and Learning Zone.
1.3 All leads have been generated by a professional online lead generation marketing company, with clients having voluntarily provided their information and agreed to the creation of an Advice Guru learning account.
2. Obligations of the Firm
2.1 The Firm shall track all cases provided and ensure each client receives high-quality service.
2.2 Should a client proceed with an application:
– All cases must be submitted through AIR Sourcing and the AIR portal for case tracking and completion purposes.
– Equilaw must be used for conveyancing for case tracking and completion purposes.
2.3 The Firm shall comply with all applicable regulatory requirements, including FCA rules.
2.4 The Firm shall provide regular updates to Advice Guru on the status of each lead (contacted, in progress, completed, or withdrawn).
3. Fees and Payment
3.1 Where a client completes a case, fees received shall be allocated as follows: 40% to the Firm (adviser share), 60% split equally between Advice Guru and the Lead Generating Firm (30% each).
3.2 Payments shall be made promptly on receipt of lender procuration fees and advice fees, ensuring transparency and accurate tracking.
3.3 Advice Guru shall have the right to audit the Firm’s records relating to the leads and fees to ensure compliance with this Agreement.
4. Data Protection (GDPR)
4.1 Both parties shall comply with the UK GDPR, the Data Protection Act 2018, and any other applicable data protection legislation.
4.2 The Firm shall process all personal data of leads provided by Advice Guru solely for the purpose of contacting and advising the client.
4.3 Each party shall implement appropriate technical and organisational measures to protect personal data.
4.4 The Firm must delete or anonymise any personal data once it is no longer required for the agreed purpose, subject to regulatory retention rules.
5. Confidentiality
5.1 This Agreement and its contents are strictly confidential and must not be disclosed to any third party without the prior written consent of Advice Guru, unless required by law or regulation.
5.2 The Firm shall ensure that its employees, contractors, or representatives are made aware of and comply with this confidentiality obligation.
5.3 In the event of a breach of this clause:
– Advice Guru shall be entitled to seek injunctive relief to prevent further disclosure;
– Advice Guru may claim damages for any loss suffered; and
– Advice Guru may terminate this Agreement with immediate effect.
6. Lead Ownership and Use
6.1 All leads provided under this Agreement remain the exclusive property of Advice Guru.
6.2 The Firm may only use leads for the purpose of providing later life lending advice under this Agreement.
6.3 The Firm must not sell, transfer, or share leads with any third party without prior written consent from Advice Guru.
7. Service Standards
7.1 The Firm shall deal with all leads promptly, professionally, and in compliance with FCA rules and industry best practice.
7.2 Advice Guru reserves the right to suspend or withdraw lead provision if service standards are not maintained.
8. Indemnity
8.1 The Firm shall indemnify and hold harmless Advice Guru against all claims, losses, fines, or liabilities arising from:
– Any breach of this Agreement by the Firm;
– Any failure by the Firm to comply with FCA, GDPR, or other regulatory requirements;
– Any negligence or misconduct in dealing with clients.
9. Non-Circumvention and Non-Compete
9.1 The Firm agrees not to enter into any direct contractual or commercial relationship with Advice Guru’s lead generation partners, marketing providers, or Equilaw for the purpose of obtaining similar services or bypassing Advice Guru.
9.2 The Firm shall not attempt to contact, contract with, or make arrangements with any lead generation provider, solicitor, or partner introduced by Advice Guru without prior written consent.
9.3 Breach of this clause shall entitle Advice Guru to:
– Terminate this Agreement with immediate effect;
– Recover damages equal to the lost revenue and fees that would otherwise have been due; and
– Seek injunctive relief to prevent further breach.
10. Limitation of Liability
10.1 Advice Guru shall not be liable to the Firm for any indirect, consequential, or economic losses, including loss of profit or business opportunity.
10.2 The total liability of Advice Guru under this Agreement shall not exceed the total fees actually received by Advice Guru in respect of the relevant case giving rise to the claim.
10.3 Nothing in this clause limits liability for death, personal injury, fraud, or wilful misconduct.
11. No Guarantee of Leads or Conversions
11.1 Advice Guru provides leads on a free basis and does not guarantee: – The number or frequency of leads supplied;
– That any lead will convert into business; or
– Exclusivity of leads, unless expressly agreed in writing.
12. Force Majeure
12.1 Neither party shall be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to IT outages, natural disasters, strikes, pandemics, or regulatory changes.
13. Variation and Entire Agreement
13.1 No variation of this Agreement shall be valid unless in writing and signed by both parties.
13.2 This Agreement constitutes the entire agreement between the parties and supersedes any prior understandings, agreements, or representations.
14. Assignment
14.1 The Firm may not assign, transfer, or subcontract its rights or obligations under this Agreement without the prior written consent of Advice Guru.
15. Term and Termination
15.1 This Agreement shall continue unless terminated by either party.
15.2 Either party may terminate this Agreement by giving 28 days’ written notice to the other.
16. Governing Law
16.1 This Agreement shall be governed by and construed in accordance with the laws of England and Wales.
16.2 The parties submit to the exclusive jurisdiction of the English courts.
Signatures
Signed: Stuart Powell Stuart Powell on behalf of Guru Mortgage Solutions. Date: 11/09/2025
on behalf of Advice Guru
Free Leads – Full Commercial Agreement
This Agreement is made on 11/09/2025 between:
Guru Advisory Services Ltd (company number 14655582), trading as Advice Guru (“Advice Guru”),
whose registered office is at Unit 7, 36 William Prance Road, Seaton Business Park, Plymouth PL6 5WR
and
Guru Mortgage Solutions (“the Firm”), whose registered office is at 44 Torland Road
Plymouth, Devon PL3 5TT
1. Purpose
1.1 Advice Guru agrees to provide free consumer leads to the Firm.
1.2 Leads will consist of individuals who have enquired about later life borrowing options via the Advice Guru website and Learning Zone.
1.3 All leads have been generated by a professional online lead generation marketing company, with clients having voluntarily provided their information and agreed to the creation of an Advice Guru learning account.
2. Obligations of the Firm
2.1 The Firm shall track all cases provided and ensure each client receives high-quality service.
2.2 Should a client proceed with an application:
– All cases must be submitted through AIR Sourcing and the AIR portal for case tracking and completion purposes.
– Equilaw must be used for conveyancing for case tracking and completion purposes.
2.3 The Firm shall comply with all applicable regulatory requirements, including FCA rules.
2.4 The Firm shall provide regular updates to Advice Guru on the status of each lead (contacted, in progress, completed, or withdrawn).
3. Fees and Payment
3.1 Where a client completes a case, fees received shall be allocated as follows: 40% to the Firm (adviser share), 60% split equally between Advice Guru and the Lead Generating Firm (30% each).
3.2 Payments shall be made promptly on receipt of lender procuration fees and advice fees, ensuring transparency and accurate tracking.
3.3 Advice Guru shall have the right to audit the Firm’s records relating to the leads and fees to ensure compliance with this Agreement.
4. Data Protection (GDPR)
4.1 Both parties shall comply with the UK GDPR, the Data Protection Act 2018, and any other applicable data protection legislation.
4.2 The Firm shall process all personal data of leads provided by Advice Guru solely for the purpose of contacting and advising the client.
4.3 Each party shall implement appropriate technical and organisational measures to protect personal data.
4.4 The Firm must delete or anonymise any personal data once it is no longer required for the agreed purpose, subject to regulatory retention rules.
5. Confidentiality
5.1 This Agreement and its contents are strictly confidential and must not be disclosed to any third party without the prior written consent of Advice Guru, unless required by law or regulation.
5.2 The Firm shall ensure that its employees, contractors, or representatives are made aware of and comply with this confidentiality obligation.
5.3 In the event of a breach of this clause:
– Advice Guru shall be entitled to seek injunctive relief to prevent further disclosure;
– Advice Guru may claim damages for any loss suffered; and
– Advice Guru may terminate this Agreement with immediate effect.
6. Lead Ownership and Use
6.1 All leads provided under this Agreement remain the exclusive property of Advice Guru.
6.2 The Firm may only use leads for the purpose of providing later life lending advice under this Agreement.
6.3 The Firm must not sell, transfer, or share leads with any third party without prior written consent from Advice Guru.
7. Service Standards
7.1 The Firm shall deal with all leads promptly, professionally, and in compliance with FCA rules and industry best practice.
7.2 Advice Guru reserves the right to suspend or withdraw lead provision if service standards are not maintained.
8. Indemnity
8.1 The Firm shall indemnify and hold harmless Advice Guru against all claims, losses, fines, or liabilities arising from:
– Any breach of this Agreement by the Firm;
– Any failure by the Firm to comply with FCA, GDPR, or other regulatory requirements;
– Any negligence or misconduct in dealing with clients.
9. Non-Circumvention and Non-Compete
9.1 The Firm agrees not to enter into any direct contractual or commercial relationship with Advice Guru’s lead generation partners, marketing providers, or Equilaw for the purpose of obtaining similar services or bypassing Advice Guru.
9.2 The Firm shall not attempt to contact, contract with, or make arrangements with any lead generation provider, solicitor, or partner introduced by Advice Guru without prior written consent.
9.3 Breach of this clause shall entitle Advice Guru to:
– Terminate this Agreement with immediate effect;
– Recover damages equal to the lost revenue and fees that would otherwise have been due; and
– Seek injunctive relief to prevent further breach.
10. Limitation of Liability
10.1 Advice Guru shall not be liable to the Firm for any indirect, consequential, or economic losses, including loss of profit or business opportunity.
10.2 The total liability of Advice Guru under this Agreement shall not exceed the total fees actually received by Advice Guru in respect of the relevant case giving rise to the claim.
10.3 Nothing in this clause limits liability for death, personal injury, fraud, or wilful misconduct.
11. No Guarantee of Leads or Conversions
11.1 Advice Guru provides leads on a free basis and does not guarantee: – The number or frequency of leads supplied;
– That any lead will convert into business; or
– Exclusivity of leads, unless expressly agreed in writing.
12. Force Majeure
12.1 Neither party shall be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to IT outages, natural disasters, strikes, pandemics, or regulatory changes.
13. Variation and Entire Agreement
13.1 No variation of this Agreement shall be valid unless in writing and signed by both parties.
13.2 This Agreement constitutes the entire agreement between the parties and supersedes any prior understandings, agreements, or representations.
14. Assignment
14.1 The Firm may not assign, transfer, or subcontract its rights or obligations under this Agreement without the prior written consent of Advice Guru.
15. Term and Termination
15.1 This Agreement shall continue unless terminated by either party.
15.2 Either party may terminate this Agreement by giving 28 days’ written notice to the other.
16. Governing Law
16.1 This Agreement shall be governed by and construed in accordance with the laws of England and Wales.
16.2 The parties submit to the exclusive jurisdiction of the English courts.
Signatures
Signed: Stuart Powell Stuart Powell on behalf of Guru Mortgage Solutions. Date: 11/09/2025
on behalf of Advice Guru
Free Leads – Full Commercial Agreement
This Agreement is made on 12/09/2025 between:
Guru Advisory Services Ltd (company number 14655582), trading as Advice Guru (“Advice Guru”),
whose registered office is at Unit 7, 36 William Prance Road, Seaton Business Park, Plymouth PL6 5WR
and
September 12 Test (“the Firm”), whose registered office is at 12 September Road
September, Test S12 2SS
1. Purpose
1.1 Advice Guru agrees to provide free consumer leads to the Firm.
1.2 Leads will consist of individuals who have enquired about later life borrowing options via the Advice Guru website and Learning Zone.
1.3 All leads have been generated by a professional online lead generation marketing company, with clients having voluntarily provided their information and agreed to the creation of an Advice Guru learning account.
2. Obligations of the Firm
2.1 The Firm shall track all cases provided and ensure each client receives high-quality service.
2.2 Should a client proceed with an application:
– All cases must be submitted through AIR Sourcing and the AIR portal for case tracking and completion purposes.
– Equilaw must be used for conveyancing for case tracking and completion purposes.
2.3 The Firm shall comply with all applicable regulatory requirements, including FCA rules.
2.4 The Firm shall provide regular updates to Advice Guru on the status of each lead (contacted, in progress, completed, or withdrawn).
3. Fees and Payment
3.1 Where a client completes a case, fees received shall be allocated as follows: 40% to the Firm (adviser share), 60% split equally between Advice Guru and the Lead Generating Firm (30% each).
3.2 Payments shall be made promptly on receipt of lender procuration fees and advice fees, ensuring transparency and accurate tracking.
3.3 Advice Guru shall have the right to audit the Firm’s records relating to the leads and fees to ensure compliance with this Agreement.
4. Data Protection (GDPR)
4.1 Both parties shall comply with the UK GDPR, the Data Protection Act 2018, and any other applicable data protection legislation.
4.2 The Firm shall process all personal data of leads provided by Advice Guru solely for the purpose of contacting and advising the client.
4.3 Each party shall implement appropriate technical and organisational measures to protect personal data.
4.4 The Firm must delete or anonymise any personal data once it is no longer required for the agreed purpose, subject to regulatory retention rules.
5. Confidentiality
5.1 This Agreement and its contents are strictly confidential and must not be disclosed to any third party without the prior written consent of Advice Guru, unless required by law or regulation.
5.2 The Firm shall ensure that its employees, contractors, or representatives are made aware of and comply with this confidentiality obligation.
5.3 In the event of a breach of this clause:
– Advice Guru shall be entitled to seek injunctive relief to prevent further disclosure;
– Advice Guru may claim damages for any loss suffered; and
– Advice Guru may terminate this Agreement with immediate effect.
6. Lead Ownership and Use
6.1 All leads provided under this Agreement remain the exclusive property of Advice Guru.
6.2 The Firm may only use leads for the purpose of providing later life lending advice under this Agreement.
6.3 The Firm must not sell, transfer, or share leads with any third party without prior written consent from Advice Guru.
7. Service Standards
7.1 The Firm shall deal with all leads promptly, professionally, and in compliance with FCA rules and industry best practice.
7.2 Advice Guru reserves the right to suspend or withdraw lead provision if service standards are not maintained.
8. Indemnity
8.1 The Firm shall indemnify and hold harmless Advice Guru against all claims, losses, fines, or liabilities arising from:
– Any breach of this Agreement by the Firm;
– Any failure by the Firm to comply with FCA, GDPR, or other regulatory requirements;
– Any negligence or misconduct in dealing with clients.
9. Non-Circumvention and Non-Compete
9.1 The Firm agrees not to enter into any direct contractual or commercial relationship with Advice Guru’s lead generation partners, marketing providers, or Equilaw for the purpose of obtaining similar services or bypassing Advice Guru.
9.2 The Firm shall not attempt to contact, contract with, or make arrangements with any lead generation provider, solicitor, or partner introduced by Advice Guru without prior written consent.
9.3 Breach of this clause shall entitle Advice Guru to:
– Terminate this Agreement with immediate effect;
– Recover damages equal to the lost revenue and fees that would otherwise have been due; and
– Seek injunctive relief to prevent further breach.
10. Limitation of Liability
10.1 Advice Guru shall not be liable to the Firm for any indirect, consequential, or economic losses, including loss of profit or business opportunity.
10.2 The total liability of Advice Guru under this Agreement shall not exceed the total fees actually received by Advice Guru in respect of the relevant case giving rise to the claim.
10.3 Nothing in this clause limits liability for death, personal injury, fraud, or wilful misconduct.
11. No Guarantee of Leads or Conversions
11.1 Advice Guru provides leads on a free basis and does not guarantee: – The number or frequency of leads supplied;
– That any lead will convert into business; or
– Exclusivity of leads, unless expressly agreed in writing.
12. Force Majeure
12.1 Neither party shall be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to IT outages, natural disasters, strikes, pandemics, or regulatory changes.
13. Variation and Entire Agreement
13.1 No variation of this Agreement shall be valid unless in writing and signed by both parties.
13.2 This Agreement constitutes the entire agreement between the parties and supersedes any prior understandings, agreements, or representations.
14. Assignment
14.1 The Firm may not assign, transfer, or subcontract its rights or obligations under this Agreement without the prior written consent of Advice Guru.
15. Term and Termination
15.1 This Agreement shall continue unless terminated by either party.
15.2 Either party may terminate this Agreement by giving 28 days’ written notice to the other.
16. Governing Law
16.1 This Agreement shall be governed by and construed in accordance with the laws of England and Wales.
16.2 The parties submit to the exclusive jurisdiction of the English courts.
Signatures
Signed: Sept Test on behalf of September 12 Test. Date: 12/09/2025
on behalf of Advice Guru