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1. These IFA User Terms
1.1 In accordance with the following user terms ('IFA
User Terms'), the Independent Financial Adviser ("IFA")
listed at the top of these User Terms (whose details are
available via this link) grants to you as an authorised
user ('you') of this site ('Web Site') certain rights
(as set out below) and in return you agree to perform
certain obligations.
1.2 IFA is regulated by the Financial Services Authority
for investment business in the UK. If you wish to verify
the authorisation of IFA you may do so by conducting a
free on-line search of the Financial Services Authority's
Central Register."
1.3 Please read these IFA User Terms carefully. They are
a legal document and, by your continued use of the Web
Site, you agree to be bound by these IFA User Terms.
1.4 If you do not agree with these IFA User Terms and
do not wish to be bound by them, please exit this Web
Site and do not use the Web Site in the future.
1.5 Any goods and services ("Merchandise") offered
for sale by companies other than IFA ("Third Party
Content Providers") via third party web sites linked
to this Web Site are subject to separate terms and conditions
between you and the applicable Third Party Content Provider.
You acknowledge that the applicable Third Party Content
Provider (and not IFA) is solely responsible for the fulfilment
of orders for any merchandise and for its quality, suitability,
and fitness for purpose. Any disputes or questions relating
to the Merchandise must be directed to the Third Party
Content Provider in question and you acknowledge that
IFA shall have no responsibility, obligations or liability
in relation to the Merchandise.
1.6 If you register for any competition offered by this
Web Site, the competition rules set out at Clause 8 below
shall apply in addition to the remainder of these IFA
User Terms.
2.
Licence to Use Material on Web Site
2.1 IFA grants to you a personal, non-exclusive, non-transferable,
royalty-free licence to use all the material on the Web
Site (including but not limited to: software, documentation,
text, pictures, sounds, graphics, articles, video or audio
clips, and advertising material) ('IFA Material') on the
basis set out in Clause 2.2.
2.2 You are entitled to view, copy, print, access, download
and transmit (for the purposes expressly permitted in
these IFA User Terms) and store the IFA Material for your
own personal, non-commercial use provided that you do
not:
2.2.1 remove any notices relating to the ownership of
copyright or other intellectual property rights in the
IFA Material;
2.2.2 modify, translate, reverse engineer, reproduce,
decompile, disassemble (except as expressly permitted
by law) or create derivative works of any of the IFA Material;
2.2.3 rent, lease, sub-licence, loan, copy or give or
transfer any rights in the IFA Material in any form, to
any person or entity without the prior written consent
of IFA.
2.3 Any product, process or technology referred to in
the IFA Material may be subject to other intellectual
property rights of IFA and are not made available hereunder.
3. Ownership
of Intellectual Property Rights
3.1 Notwithstanding the limited rights granted to you
in accordance with Clause 2, IFA or other third parties
which licence such material to the IFA, retain their ownership,
title and interest in the intellectual property rights
contained in the IFA Material including but not limited
to copyright, database rights, trade marks, patents, service
marks, design rights (whether registerable or otherwise)
know-how, trade or business names, domain names, goodwill
associated with any of the foregoing and other similar
rights or obligations whether registerable or not in any
jurisdiction in the world.
3.2 You agree that any material (including any Intellectual
Property Rights in such material), including but not limited
to material which may be sent via any chat services, bulletin
boards, competitions or articles submitted for publication
or similar services offered via this Web Site ("Web
Site Services") on the Web Site or in using any of
the Web Site Services ("User Generated Content")
may be retained as the property of IFA. IFA shall have
no obligations with regard to the User Generated Content,
or monitor the User Generated Content to ensure that it
complies with applicable laws or regulations. You remain
solely responsible for the User Generated Content in accordance
with Clause 6.
3.3 IFA may have trademarks in its name. All other product
names and company logos mentioned in the information,
documents or other items provided or available on this
Web Site may be the trademarks of their respective owners.
4. Duration
of IFA User Terms and Termination
4.1 These IFA User Terms are binding upon you immediately.
You accept them by your use of this Web Site, and they
will remain in force until the earlier of the following:
4.1.1 you breach any of the terms of the licence granted
to you in accordance with Clause 2;
4.1.2 IFA terminates these IFA User Terms by notice to
you at any time in accordance with Clause 10.2; or
4.1.3 you terminate these IFA User Terms by notice to
IFA at any time in accordance with Clause 10.1.
4.2 In the event that these IFA User Terms are terminated
for any of the reasons stated above, you agree to comply
with the following obligations:
4.2.1 the licence granted to you in accordance with Clause
2 shall be terminated forthwith and you shall have no
further rights to use the IFA Material;
4.2.2 you must delete or destroy any of the IFA Material
stored by you in electronic or hard copy form as soon
as reasonably practicable; and
4.2.3 you will have no further rights to access or use
the Web Site or the Web Site Services.
5. IFA's
Responsibilities
5.1 IFA undertakes to use commercially reasonable endeavours
to prevent breaches of security of the Web Site.
5.2 IFA makes no representation or warranty that the Web
Site or Web Site Services will be accessible, or useable
by you or error free. IFA uses reasonable efforts to include
accurate and up-to-date information on the Web Site. The
information, documents or other items provided or available
on this Web Site could include technical inaccuracies
or typographical errors. IFA makes no warranties or representations
as to its accuracy. IFA assumes no liability or responsibility
for any errors or omissions in the content on the Web
Site.
5.3 IFA reserves the right, without notice to you, to
remove any IFA Material from the Web Site or to suspend
or alter the operation of the Web Site or any Web Site
Services, at its sole discretion or for legal or technical
reasons. IFA will give you as much notice as possible
prior to taking any of the actions described in this Clause,
but prior notice may not always be feasible for a variety
of reasons. IFA may make improvements and/or changes to
the information or documents provided or available on
this Web Site at any time.
6. Your
Responsibilities
6.1 You agree that you are responsible for the security
and use of any user names or passwords needed to access
or use the Web Site or any Web Site Services. You must
take all reasonable steps to ensure that these user names
and passwords are kept confidential and secure and you
do not allow any unauthorised person to access the Web
Site or any of the Web Site Services using your user name
or password.
6.2 You agree that you will not use the Web Site or any
of the Web Site Services as follows:
6.2.1 to send, receive, upload, download, store, use,
distribute or publish any material that is offensive,
abusive, indecent, defamatory, obscene, or in breach of
any other person's Intellectual Property Rights or breaches
any obligation of confidentiality by which you are bound;
6.2.2 to send or distribute multiple unsolicited emails
or messages ('Spam') or to cause any other person annoyance,
inconvenience or worry;
6.2.3 for any purposes connected to any business, including
sending any unsolicited advertisements or promotional
material.
6.3 You agree to indemnify IFA against any claims, costs,
expenses or legal proceedings caused as a result of your
use of the Web Site or Web Site Services in contravention
of Clauses 6.1 and 6.2.
Further, in these circumstances,
IFA shall be entitled to treat the contravention as a
material breach of these IFA User Terms and terminate
the IFA User Terms and any access permission granted to
you by IFA forthwith, without notice to you.
7. Consent
to Use of Your Personal Information
For the purposes of the Date Protection Act 1998, you
acknowledge that in the course of registering and using
this Web Site and the Web Site Services, certain personal
information or data about you will be captured electronically
or otherwise and transmitted to IFA. By accepting these
IFA User Terms, you expressly agree to transfer such personal
information or data to IFA to use, store and process the
personal information in accordance with the provisions
set out in the IFA Privacy Policy.
8. Competition
Rules
8.1 All competitions offered by IFA from this Web Site
("Competitions") are only open to United Kingdom
residents who are aged 18 or over ("Entrant").
8.2 All entrants must register for the relevant Competition
by giving their correct name and address in the United
Kingdom, together with their e-mail address. By registering
for the relevant competition, you acknowledge that you
have read and agree to the provisions contained in Clause
7 above and the IFA Privacy Policy, regarding consent
to use your personal information.
8.3 By registering for any Competition you accept these
Competition rules (together with any rules relating to
a particular Competition posted on the Web Site by IFA)
("Competition Rules"). You also agree to allow
your name to be published on the Web Site if you are a
prize winner.
8.4 Prizes are as stated in the competition details on
the Web Site. IFA will not offer cash alternatives to
prizes offered. Prizes are allocated randomly from correct
entries received. The Judge's decision is final and no
correspondence will be entered into. Winners will be notified
by post or e-mail after the closing date given for the
Competition, when IFA will give details of how and when
you can claim your prize. Although every effort will be
made to supply the prizes stated, IFA cannot guarantee
that the particular prizes will be available and an equivalent
prize may therefore be offered.
8.5 No responsibility can be accepted by IFA for any delayed,
lost or misplaced entries, and incomplete or illegible
entries will be disregarded.
8.6 A full list of prize winners and Competition Rules
is available from the IFA in accordance with Clause 10.1.
9. Disclaimers
9.1 You accept that it is reasonable that, to the maximum
extent permitted by law, all representations, conditions,
warranties and other terms whether implied by statute,
common law, course of dealing or otherwise are excluded.
9.2 Nothing in these Terms of Use limits IFA's liability
to you for death or personal liability caused by IFA's
negligence.
9.3 IFA hereby disclaims any liability to any person for
any kind of loss or damage including, but not limited
to, any special, incidental, indirect or consequential
loss or damages caused by errors or omissions in the information
or other items provided or available herein, whether such
errors or omissions result from negligence, accident or
any other cause.
9.4 To the extent that IFA is deemed by a court of competent
jurisdiction to have any liability to you in contract,
tort (including negligence) or otherwise in relation to
this Web Site or the Web Site Services, IFA's entire liability
shall be limited to &#pound;1,000 (one thousand pounds)
for any one incident or series of related incidents and
up to &#pound;5,000 (five thousand pounds) for all
incidents in any period of 12 months.
9.5 This Web Site may contain links to third party web
sites which are controlled and operated by parties other
than IFA ("Third Party Consent Providers").
The links will let you leave the Web Site and IFA is not
responsible for any contents of any linked web site or
any link contained in a linked web site. The inclusion
of any link on the web site does not imply endorsement
by IFA of the linked web site or products or services
offered via the linked web site. If you decide to access
linked third party web sites, you do so entirely at your
own risk. IFA is providing these links only as a convenience,
and the inclusion of any links does not imply endorsement
by IFA of the web site or its contents.
10.
Notices
10.1 You may send a legal notice to IFA, or any questions
you may have concerning these IFA User Terms by contacting
IFA via this link. Such notices will be effective within
3 days of receipt by IFA.
10.2 IFA may send you notice by general notice on this
Web Site, by e-mail to your e-mail address on record with
IFA, or by post to the geographical address on record
with IFA. Such notice will be effective if sent by e-mail
or posted on the Web Site, 1 day from the date it was
sent or posted on the Web Site. If sent by regular post,
it will be effective 3 days after posting by IFA.
11.
General
11.1 IFA reserves the right to add to or change the terms
of these IFA User Terms in its sole discretion without
prior notice to you. All changes to the IFA User Terms
will be effective once posted on the Web Site. IFA will
provide notice of the changes to the IFA User Terms for
a reasonable time after posting the amended IFA User Terms
on the Web Site. Your continued use of the Web Site or
the Web Site Services following IFA's posting of such
changes will be regarded by IFA as acceptance of the amended
IFA User Terms. If you do not agree to be bound by the
amended IFA User Terms you should exit the Web Site and
not access or use the Web Site in the future.
11.2 If any part of these IFA User Terms are held by a
court of competent jurisdiction to be unenforceable, the
validity of the remainder of these IFA User Terms will
not be affected.
11.3 If IFA is unable to perform any obligation under
these IFA User Terms because of a matter beyond its reasonable
control (including but not limited to); fire, flood, war,
explosion, civil disorder, or other disasters or governmental
laws or regulations imposed after the fact, or events
beyond the reasonable control of IFA, IFA will have no
liability for that failure to perform.
11.4 Any person who is not a party to this Agreement has
no right under the Contracts (Rights of Third Parties)
Act 1999 to enforce any term of this Agreement but this
does not affect any right or remedy of a third party which
exists or is available apart from that Act.
11.5 Unless otherwise specified on this Web Site, the
IFA Materials available on this Web Site are directed
solely at those who access the Web Site from the United
Kingdom. IFA makes no representation that any IFA Material
is appropriate for use elsewhere, or available in other
locations. Those who choose to access this Web Site and
the Web Site Services from any other location are solely
responsible for compliance with local laws and regulations
if, and to the extent, that they are applicable.
11.6 These IFA User Terms are governed by the laws of
England, and subject to the non- exclusive jurisdiction
of the English Courts.
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Contact us
t:01553 775100
f:01553 769798
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1. This Privacy Policy
1.1 The Independent Financial Adviser ("IFA")
referred to in the Contact section of this Web Site, is
committed to protecting your personal information and
other data provided to IFA via this and any other IFA
web site ("Web Site"). Please read this Privacy
Policy carefully as it contains important information
about the use of any information you provide to IFA via
this Web Site. This Privacy Policy explains what information
IFA collects about you, and how IFA collects and uses
your information, including setting out the circumstances
where IFA could provide it to third parties. You should
also read the separate IFA User Terms that are applicable
to this Web Site. To view the User Terms click on the
link shown below.
1.2 Because of the financial nature of IFA's business,
IFA's products and services are not designed to appeal
to or to be sold to persons under the age of 18. Therefore,
IFA does not knowingly attempt to solicit or receive any
information from children.
2. What information IFA collects and what does IFA do with
it
2.1 To take advantage of some of the services offered
via this Web Site you may be required to log on or register
with the Web Site. IFA and any third parties who hosts
or maintains this Web Site may need to collect information
about you and your computer to enable you to do so. The
information will be collected when you register with the
Web Site or when you choose to use one of the services
available via the Web Site.
2.2 IFA may use the information which it collects to personalise
your experience on the Web Site, to help you to log-in
in future, to continue to use the Web Site, and to help
IFA select services or materials for inclusion on the
Web Site which may be of interest to you. IFA may, from
time to time, use your information to recommend other
products or services to you. Occasionally, IFA may contact
you by letter, telephone or e-mail to inform you about
other products and services which may be of interest to
you. To exercise your right to "opt out" of
this service you should contact IFA via the link shown
below.
2.3 IFA may use your information to notify you of news
about IFA, changes to the Web Site, special events or
new services that IFA thinks may interest you. If, at
any time, you would rather not receive any such information,
please either tick any relevant "opt-out" box
on the page where you are asked to give your information
or you may contact IFA via the link shown below. In these
circumstances, IFA will need to keep your information
on file so that you can continue to use the Web Site and
so that IFA can deal with the administration and security
of the Web Site, but IFA will not e-mail you or contact
you by telephone, fax or post without your consent.
2.4 The nature of IFA's business is such that IFA may
on occasion ask you to provide sensitive personal data
as defined in the Data Protection Act 1998 (for example,
questions relating to your health where that information
is required in order to provide life insurance quotations).
Where IFA does so, IFA will request your explicit consent
to the use of such sensitive personal data. Where you
consent to provide IFA with this information IFA will
take appropriate measures to protect such sensitive personal
data.
2.5 IFA or third parties hosting servers on IFA's behalf
may also monitor traffic patterns and usage of the Web
Site to help it to improve the Web Site design and lay
out.
2.6 Please note that IFA is not responsible for what any
third party content provider or other third party offering
goods and services via web sites linked to this Web Site
may propose to do with information about you. So please
ensure you read their terms and conditions carefully.
3. Sharing of Information with Third Parties
3.1 IFA will not disclose your personal information to
third parties other than as described in this clause (unless
it is legally required to do so). IFA may need to pass
your information to third parties who help IFA to maintain,
administer or develop the Web Site but, if so, that information
is only given to those third parties for that limited
purpose. In addition, IFA may provide aggregate statistics
about its customers, sales, traffic patterns and related
Web Site information to reputable third-parties, but these
statistics will include no personally identifying information.
3.2 IFA reserves the right to access and disclose personal
data or information to comply with applicable laws and
lawful government requests, to operate its systems properly,
or to protect itself or its users.
4. Your Consent
4.1 You acknowledge and agree that:
4.1.1 in the course of registering or using this Web Site
and any services offered via this Web Site, certain information
about you will be captured electronically (including sensitive
personal data where required, but this will be subject
to you giving your explicit consent in such cases) or
otherwise and transmitted to IFA or and, potentially,
to any third parties as set out above, or to third parties
who host IFA's web servers or assist IFA in maintaining
this Web Site; and
4.1.2 IFA may send your information outside of the European
Economic Area for processing or use in accordance with
this Privacy Policy.
4.2 By using this Web Site, you expressly agree to the
collection and use of your information for the purposes
set out in this Privacy Policy.
5. Contests and Competitions
From time-to-time IFA may request information from users
for the purposes of running contests or competitions.
Participation in these contests or competitions is completely
voluntary and the user therefore has a choice regarding
whether or not to disclose this information.
6. IFA's Responsibilities - How does IFA protect user information?
As required by the Data Protection Act 1998, IFA follows
strict security procedures in the storage and disclosure
of information which you have provided via this Web Site,
to prevent unauthorised access.
7. What are 'Cookies' and how does IFA use them?
7.1 A cookie is a piece of information that is stored
on your computer's hard drive by your Web browser. On
visiting the Web Site, your computer server will use the
cookie to guarantee a secure connection. Most browsers
accept cookies automatically, but usually you can alter
the settings of your browser to prevent automatic acceptance.
If you choose not to receive cookies, you may not be able
to use certain features of this Web Site.
7.2 IFA may conduct analyses of user traffic. These analyses
will be performed through the use of IP addresses and
cookies which are required to ensure a secure server connection.
IFA does not use cookies to store any personal data or
browsing habits.
7.3 Third parties such as advertising agencies and content
providers may use cookies on this Web Site to collect
personal information about you. IFA recommends that you
read the privacy statement of any third party before using
their web site. IFA is not responsible for the use of
such cookies or any other ways in which your personal
data may be collected or used by such third parties.
8. Changes to Privacy Policy
IFA reserves the right to add to or change the terms of
this Privacy Policy in its sole discretion, without prior
notice to you. If IFA changes this Privacy Policy, IFA
will post the new Privacy Policy on the Web Site, and
it will become effective from the time of posting to the
Web Site. Please visit this Privacy Policy on a regular
basis to make sure you have read the latest version and
you understand what IFA does with your information. Wherever
possible, IFA will give you notice of any changes prior
to their implementation.
9. General
This Web Site contains links to other web sites. Please
be aware that IFA cannot be held responsible for the privacy
policies of such other sites. IFA encourages its users
to be aware when they leave the Web Site and to read the
privacy statements of each and every web site that collects
personally identifiable information. This privacy statement
applies solely to information collected by this Web Site.
10. Feedbac
If you have any queries or problems with regard to this
Privacy Policy or the uses to which IFA puts your information,
please contact IFA via the link shown below.
Click here to contact us if you have a question about
our terms or policy.
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