Website Terms and Conditions

Last modified: 09 April 2019

Please read these terms and conditions carefully before using this website.

These terms of use (together with the documents referred to in it) tell you the terms on which you may make use of our website at (“the Website”). Use of the Website includes accessing or browsing the Website.

You should read these terms of use carefully before you start to use the Website, as they will apply to your use of the Website.

These terms of use do not apply to your use of the Ascentric Platform.  The Ascentric Platform may be entered by logging in using the link on the Website or by accessing the login page here.The Ascentric Platform has its own terms and conditions of use for client users and for Adviser Firm users:

By using the Website you confirm that you accept these terms of use and you agree to comply with them.

The following additional terms also apply to your use of the Website:

  • Our Website Privacy Policy - This sets out the terms on which we process any personal data we collect from you or that you provide to us when using the Website.
  • Our Cookie Policy is outlined in our Website Privacy Policy under the heading Cookie Policy. This sets out information about the cookies on the Website.

This Website Privacy Policy does not apply to using the Ascentric Platform. 

If you purchase a product or service from us, that purchase will be subject to the terms and conditions applicable to that product or service. If these terms of use conflict with any product or service related terms and conditions, the terms and conditions of that product or service shall prevail.

The Website is operated by Investment Funds Direct Limited (referred to in these terms of use as “we”, “us” or “our”). We are registered in England and Wales under company number 01610781 and have our registered office at Trimbridge House, Trim Street, Bath BA1 1HB. In these terms of use, references to “us” apply also to subsidiaries of Investment Funds Direct Limited from time to time.

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 may revise these terms of use from time to time for legal or regulatory reasons or to reflect the proper operation of the Website. Any changes will be notified to you by posting an updated version of these terms of use with a revised “date modified” reference on the Website. If you continue to use the Website after the date on which the change(s) comes into effect, your use of the Website indicates your agreement to the updated terms of use. If you do not accept the updated terms of use you should not continue to use the Website. 

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.

You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

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.

If you print, copy or download any part of the Website in breach of these terms of use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

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.

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

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, please note that we only provide the Website for domestic and private use. You agree not to use the Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity as a consequence of using the Website. Nothing in these terms of use will limit your legal rights as a consumer which cannot be waived by contract.

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.

If, notwithstanding the other provisions of these terms of use, we are found to be liable to you for any damage or loss (including through negligence) which arises in any way out of, or is in any way connected with, your use of the Website, any content or service, our liability (save as prohibited by applicable law) shall in no event exceed the greater of the total of any amounts paid by you to us in relation to the part of the website, content or service to which the claim relates in the six months prior to the date of the initial claim; and £100.

You acknowledge that you are responsible for all communications sent via or to the Website.

In the event that you breach any of these terms of use, you will indemnify and keep indemnified us, our employees, servants, agents, professional advisers, suppliers and affiliates from time to time against all damages, losses, claims, costs, charges, awards, orders, judgments and other liabilities suffered or threatened as a result of a breach of these terms of use.

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.

Nothing in these terms of use shall create or be construed to imply any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and us.

Headings in these terms of use are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

If any provision of these terms of use is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in full force and effect.

Our failure to act with respect to a breach by you or others of these terms of use shall not be considered as a waiver of our rights or remedies to act with respect to subsequent or similar breaches and shall not relieve you from compliance with such obligations.

Nothing in these terms of use shall confer, or is intended to confer, on any person who is not a party to them any right or benefit under the Contracts (Rights of Third Parties) Act 1999. This does not affect any right or remedy generally available to such a third party in law or otherwise.

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales

We welcome your feedback and questions. If you wish to contact us, please email or you can write to us at Marketing, Trimbridge House, Trim Street, Bath BA1 1HB or call us on 0345 076 6140.  Calls to this number will be charged at local rate and may be recorded.