Introduction

These terms and conditions govern your use of our website; by using our website, you accept these terms and conditions in full. If you disagree with any part of these terms and conditions, do not use our website.

Intellectual property rights

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all our intellectual property rights are reserved.

Licence to use website

You may view, download for caching purposes only, and print pages from the website, provided that:

  • (a) you must not republish material from this website (including republication on another website), or reproduce or store material from this website in any public or private electronic retrieval system;
  • (b) you must not reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit our website or material on our website for a commercial purpose, without our express written consent;
  • (c) you must not edit or otherwise modify any material on the website.

Limitations of liability

The information on this website is provided free-of-charge, and you acknowledge that it would be unreasonable to hold us liable in respect of this website and the information on this website.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we not commit to ensuring that the website remains available or that the material on this website is kept up-to-date.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill).

Our liability is limited and excluded to the maximum extent permitted under applicable law. We will not be liable for any direct, indirect or consequential loss or damage arising under these terms and conditions or in connection with our website, whether arising in tort, contract, or otherwise – including, without limitation, any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings.

However, nothing in these terms and conditions shall exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

Restricted access

Access to certain areas of our website is restricted. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.

If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.

You accept responsibility for all activities that occur under your user ID or password. We may disable your user ID and password at our sole discretion.

Variation

We may revise these terms and conditions from time-to-time. Please check this page regularly to ensure you are familiar with the current version.

Entire agreement

These terms and conditions , together with our privacy policy constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

Important information about this Web Site

The following terms and conditions govern your use of this Web Site and the information contained on or available through the Web Site. By accessing, using or downloading the Web Site or the information you agree to be bound by these terms and conditions, which may change without further notice to you. This Web Site is operated by the organisation named on the “Contact Us” page of this Web Site (“the Firm”).

This Web Site does not give financial, investment or tax advice. It is specially designed to provide its users with general information only regarding the Firm and how to contact the Firm and does not (indeed cannot) attempt to give individual users specific advice on which products or services are the most appropriate for them in their particular circumstances.

The information provided on products or services on this Web Site does not constitute and offer of sale. To enquire about any of these products or services, contact the Firm.
Some products offered by the Firm may be available from sources other than the Firm at a lower or higher cost than quoted, for example where a particular intermediary has negotiated special terms with a product provider.

The Firm does not warrant or represent that the information and data contained in this Web Site is accurate, current, complete or suitable for your or any purpose. Therefore, subject to any restrictions imposed by our regulator, the Firm will not be liable to users of the Web Site for any losses or damages, whether direct, indirect, special or consequential whether in contract, tort (including negligence) or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked web site for whatever reason.

We strongly recommend that if you are in any doubt about any aspect of your personal finances you seek independent financial advice.

We will, upon receipt of your e-mail enquiry, contact you within 5 working days. If you are experiencing any problems or have not heard from us within this time, please contact one of our customer services advisors on 01773 822082.

This Web Site is for use in the UK only and the information contained within it relates to products marketed to residents of the UK only. Non-UK residents should refer to a source of financial advice within their own country.

Your use of this Web Site shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes arising from or in connection with the use, misuse or inability to use this Web Site.