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Website terms and conditions
Terms
All our products and services and those of appointed representatives of Correct Independent Financial Advice are subject to the terms and conditions and
disclaimers of the applicable agreement governing their use.
These Terms are to be read by you together with any
terms, conditions and disclaimers provided in the pages of the Site. In the
event of any conflict, the terms, conditions and disclaimers provided in the
pages of the Site shall prevail over these Terms.
The information, material and content provided in
the pages of the Site may be changed at any time without notice. Changes may be
made to the Terms at any time without notice by updating this posting. You agree
to review the Terms regularly and your continued access to or use of the Site
will mean that you agree to any changes.
No offer
Neither the information, nor any opinion contained in our Site constitutes an
offer to sell or solicitation or an offer to buy any securities or financial
instruments or any advice or recommendation with respect to such securities or
other financial instruments.
Users
The Site is currently intended for those who access it from within the United
Kingdom. Because of this we cannot guarantee that the Site or the information
thereon complies with or is appropriate for use in other places.
You are wholly responsible for use of the Site by
any person using your computer and you must ensure that any such person complies
with these Terms.
No Warranties
The following clauses exclude or limit our legal liability for the Site. You
should read them carefully. They all apply only as far as the law permits, and
in particular we do not exclude or restrict our duties and liabilities to you
under the Financial Services and Markets Act 2000 (the "Act"), or the rules of
the Financial Services Authority ("FSA") for the conduct of business.
Whilst we have taken reasonable steps to ensure the
accuracy, currency, availability correctness and completeness of the information
contained on the Site, information is provided on an "as is", "as available"
basis and we do not give or make any warranty or representation of any kind,
whether express or implied. The use of the Site is at your sole risk. We shall
not be liable for any loss or damage whatsoever and howsoever arising as a
result of your use of or reliance on the information contained on the Site to
the maximum extent permitted by law.
We do not represent or warrant that the Site will
be available and meet your requirements, that access will be uninterrupted, that
there will be no delays, failures, errors or omissions or loss of transmitted
information, that no viruses or other contaminating or destructive properties
will be transmitted or that no damage will occur to your computer system. You
have sole responsibility for adequate protection and back up of data and/or
equipment and for undertaking reasonable and appropriate precautions to scan for
computer viruses or other destructive properties.
We make no representations or warranties regarding
the accuracy, functionality or performance of any third party software that may
be used in connection with the Site.
Third party sites and warranties
Where we provide hypertext links to other locations on the Internet, we do so
for information purposes only. We are not responsible for the content of any
other websites or pages linked to or linking to this Site. We have not verified
the content of any such websites. Following links to any other websites or pages
shall be at your own risk and we shall not be responsible or liable for any
damages or in other way in connection with linking. Links to downloadable
software sites are for convenience only and we are not responsible or liable for
any difficulties or consequences associated with downloading the software. Use
of any downloaded software is governed by the terms of the licence agreement, if
any, which accompanies or is provided with the software.
No endorsement or approval of any third parties or
their advice, opinions, information, products or services is expressed or
implied by any information on our Site.
Internet e-mail
When you email us, we collect some personal details like your name, address and
phone numbers. Messages sent over the Internet cannot be guaranteed to be 100%
secure as they are subject to possible interception or loss or possible
alteration - so we advise that you keep personal financial information to a
minimum using email. We are not responsible for them and will not be liable to
you or anyone else for any damages or otherwise in connection with any message
sent by you to us or any message sent by us to you over the Internet.
Emails are stored on our standard internal contact
systems which are secure and can’t be accessed by external parties. We store
some of this information for an indefinite period of time in order to maintain
accurate records.
Trade marks and copyright
Copyright in the pages screens, information and material in their arrangement
included in this Site is owned by or licensed to Correct Independent Financial Advice
unless otherwise noted. You may imprint, copy, download or temporarily store
extracts from our Site for your personal information or when you use our
products and services. You must not alter anything. Any other use is prohibited
unless you first get our written permission. In particular no one may use a part
of our Site on any other website, or link any other website to our Site, without
our prior written permission.
Data protection & Privacy
This is our Privacy Statement. It explains how this site obtains, uses and keeps
safe information about you.
We’re committed to keeping your personal
information safe and confidential both online and offline. If you have one of
our credit cards, it’s important that you also read the section below about
credit cards.
We may as a result of your interaction with the
Site hold and process personal information obtained about you when you access
the Site and use it for making lending decisions and servicing our relationship
with you, for the purposes of fraud prevention and debt collection, to
understand your financial needs, to conduct our business and to provide you with
better customer services and products from both within Correct Independent Financial Advice
and those of selected third parties, to evaluate the effectiveness of
our marketing of the Site and for statistical analysis. We may pass this
information to an appointed representative of Correct Independent Financial Advice or
agents, as permitted by law so that they may do the same and they may pass
information held by them about you to us so that we may do the same. We will not
disclose any such information outside of Correct Independent Financial Advice except
for fraud prevention purposes and/or if required/obliged by law or Governmental
or judicial bodies or agencies or to our regulators under proper authority, or
under a strict code of secrecy to sub-contractors or persons acting as our
agents or where we have your consent or have previously informed you.
We may also in connection with the above and the
provision of the Site transfer your personal data to countries outside the
European Union (EU) which may not provide the same level of protection for
personal data as within the EU. However, all personal data wherever it is held
in Correct Independent Financial Advice or by its sub-contractors or agents will be
afforded a high level of protection against any authorised or accidental
disclosure, access or deletion. By agreeing to these Terms you agree to such
data being so used and that it may be transmitted to others as stated above.
This Privacy Statement is not designed to form a legally binding contract
between Correct Independent Financial Advice and users of our website or online services. Instead it’s a guide
on to our online protection standards – although of course we do consider it of
utmost importance to abide by the principles stated here.
Contacting us about our Privacy Statement
If you think this Privacy Statement hasn’t answered all your questions, or you
want to know more, please contact our customer services team, who will be more
than willing to help you.
Governing law
The Terms are governed by and interpreted in accordance with the laws of England
and Wales and the courts of the above jurisdiction will have non-exclusive
jurisdiction in respect of any dispute, which may arise. |
