Last modified: March 15 2017
Website Terms and Conditions
Please read these terms and conditions carefully before using this website.
The following additional terms also apply to your use of the Website:
We are authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 114432. You can check this on the Financial Services Register.
Our registered VAT number is 368524427.
We will update the Website from time to time, and may change the content at any time to reflect changes to our services and products, our user’s needs, our business priorities and requirements, and legal and regulatory changes. However, please note that any of the content on the Website may be out of date at any given time, and we are under no obligation to update it. If you are unsure, please contact us.
We do not guarantee that the Website, or any content on it, will be free from errors or omissions.
The Website is made available free of charge.
The Website is intended for use by those who access it from the United Kingdom only. The Website is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
You agree to use the Website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of the Website. The content of the Website must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any reason, other than browsing, without our express written permission. You are not entitled to use the content of the Website for commercial exploitation in any circumstances unless we have authorised you to do so.
We do not guarantee that the Website, or any content on it, will always be available or be uninterrupted, or that the Website will be secure or free from bugs or viruses. Access to the Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the Website without notice for business or other operational reasons. We will not be liable to you if for any reason the Website is unavailable at any time or for any period.
You agree not to:
- cause any illegal, offensive, defamatory material to be placed on or associated with the Website;
- breach of any copyright, trade mark, privacy, confidence, or any other third party right through your use of the Website; or
- cause inconvenience to our employees, servants, agents, software and other suppliers or to any other third party (including, without limitation, by creating or procuring software viruses, chain letters, unsolicited communications and 'spam').
The Website and all materials on it, including, but not limited to, images and other intellectual property, are either owned or licenced by us and so may be protected by copyright and laws and treaties all round the world from unauthorised copying and dissemination.
You may print and download extracts of any page(s) from the Website for your personal use and you may draw the attention of others in your organisation to content posted on the Website. Our status (or that of any contributors, as applicable) as the author of the content on the Website must be acknowledged.
You must not modify digital copies of any materials on the Website and you may only modify any forms or paper materials printed from the Website in the manner that it is clearly intended. You must not use illustrations, photographs, video or audit sequences, or any graphics separately from any accompanying text.
The content of the Website is for information only and does not constitute financial or other professional advice which you should rely on. You must take financial or other professional advice before taking or refraining from taking any action based on the content of the Website. If you are in any doubt as to the validity of information made available on the Website, or if you wish to rely on the information on it, then it may be in your best interests to seek verification or advice from a Financial Adviser. The information on the Website is not intended to constitute any offer by us to enter into a contract with you. Any contract that we do enter into with you will be on the terms agreed between us.
Although we make reasonable efforts to update the information on the Website, we make no representations, warranties or guarantees, whether express or implied, that the content on the Website is accurate, complete or up-to-date.
To the extent permitted by law, we will not be liable to any user of the Website for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, the Website; or
- use of or reliance on any content displayed on the Website.
If you are a business user, please note that in particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation;
- any indirect or consequential loss or damage; or
- loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any content on it, or on any website linked to it.
For business users, to the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Website or any content on it, whether express or implied.
If you are a consumer user and defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to take reasonable care, we will either repair the damage or pay you compensation.
The Website may contain links to other websites. We assume no responsibility for the content of websites linked on the Website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services by us to you, which will be set out in the relevant product or service terms and conditions.
You acknowledge that you are responsible for all communications sent via or to the Website.
You are responsible for configuring your information technology, computer programs and platform in order to access the Website. You should use your own virus protection software.
You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which our site is stored or any server, computer or database connected to our site. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
You may link to the home page of the Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to the Website in any website that is not owned by you.
The Website must not be framed on any other website, nor may you create a link to any part of the Website other than the home page.
We reserve the right to withdraw linking permission without notice.
Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.