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Financial Agent

YOUR USE OF THIS SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS OF USE

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website https://financialagent.co.uk including all of their features and content (together with the Site) including any and all content, information, services, and software (Content), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the Site. By using the Site or accessing the Content you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using the Site and from accessing or using the Content.

1     Information about us

1.1     The Site and Content are made available by Financial Agent (us or we). We are a self-employed company registered in England and Wales and have our registered office at 82 Gill Street, Manchester, M24 6EP. This is our main trading address.

2     Accessing The site and the Content

2.1  As a user of the Site we grant you a non-exclusive, non-transferable, revocable, limited licence to access the Site and Content in accordance with these terms. We reserve the right to terminate or amend the licence, Site or Content at any time and for any reason.

2.2  We will not be liable to you in respect of termination or suspension of your licence or access to the Site or Content for any reason; nor shall we be liable if the Site or any/all of the Content is unavailable at any time or for any period.

2.3  From time to time, we may restrict access to some parts of the Site, or the entire Site, to users who have registered with us (including those who work for businesses or organisations which have contracted with us for registered access to the Site) pursuant to specific registration terms (Registration Terms of Use). These terms and conditions shall apply as between you and us; they do not affect or interfere with or amend any applicable Registration Terms of Use.

2.4  If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

2.5  When using the Site or the Content, you must comply with the provisions of these terms, and if you access the Site as a registered user, then you must at all times also comply with the applicable Registration Terms of Use

2.6  You are responsible for making all arrangements necessary for you to have access to the Site and for any access made using your registration details if applicable.

3   Intellectual property rights

3.1  All intellectual property rights in the Site and the Content remain at all times owned by us or our licensors. Except as expressly provided in these terms, nothing contained herein shall be construed as conferring on you or any third party any license or right, to intellectual property rights in the Site or the Content. Where Content has been uploaded to the Site pursuant to Registration Terms of Use, ownership of such Content shall be governed by the Registration Terms of Use.

3.2  You may print off one copy and may download extracts, of any page(s) from the Site for your personal reference and you may draw the attention of others within your organisation to material posted on the Site.

3.3  You must not modify the paper or digital copies of any Content or other materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

3.4 Our status (and that of any identified contributors) as the authors of Content (where applicable) must always be acknowledged.

3.5  You must not use any Content for commercial purposes without obtaining a licence to do so from us or our licensors.

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

3.7  You grant to us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use any or all ideas, expression of ideas, text, graphics, messages, links, data, information and other materials you submit (collectively, Postings) to the Site. The licence includes the right to make, use, sell, reproduce, publish, modify, adapt, prepare derivative works from, combine with other works, translate, distribute, display, perform and sublicense Postings in any form, medium, or technology now known or hereafter developed.

3.8  You certify and warrant that the Postings are your original works or that you are authorised the grant us the licence set out in clause 3.7 and that the Postings do not violate and will not violate the rights of any third party, including any third party intellectual property rights.

3.9  By submitting Postings to the Site, you acknowledge and agree that we may create our own ideas that may be similar or identical to postings you submit. You agree that you shall have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary or other right in the Postings you submit.

4  Your conduct on the Site

4.1  You may not post, publish, upload or distribute any Postings which are unlawful or abusive in any way, including, but not limited to, any Postings that are defamatory, libellous, pornographic, obscene, threatening, invasive of privacy or publicity rights, inclusive of hate speech, or would constitute or encourage a criminal offence, infringe the rights of any party or give rise to liability or violation of any applicable law. We may delete your Postings at any time for any reason without permission from you.

4.2  We are not obliged to screen Postings, but we reserve the right to do so and to remove Postings at our discretion.

4.3  The Content on this Site is for your personal use only and not for commercial exploitation. You may not decompile, reverse engineer, disassemble, sell, sublicense, or create derivative works from the Site or the Content. You may not use any automatic software or device, or manual process to monitor or copy the Site or the Content without our prior written permission.

4.4  You may not use this Site to transmit any false, misleading, fraudulent or illegal communications. You may not copy, modify, reproduce, republish, distribute, display, or transmit for commercial, non-profit or public purposes all or any portion of the Site, except to the extent permitted above. Unauthorised use of the Site or the Content is prohibited.

5  Our Liability

5.1  We do not represent or warrant that the Site, Content (which includes Postings by you and others) will be error-free, accurate, up to date, reliable, free of viruses or other harmful components, or that defects will be corrected or that it will always be accessible.

5.2  Third-party content (including, without limitation, Postings) may appear on the Site or may be accessible via links from this Site. We are not responsible for have no liability for any third party content on the Site.

5.3   The Site and Content are provided on an “as is, as available” basis, without any guarantees, conditions or warranties as to its accuracy. We expressly disclaim all warranties including those implied by law.

5.4  Any reliance by you on the Site or Content is entirely at your own risk. We hereby disclaim all responsibility for any loss, claim, liability or damage of any kind arising out of or in connection with your use of or reliance upon the Site or Content.

5.5  We shall not be liable for any loss, claim, liability or damage of any kind (whether direct or indirect/consequential loss) whether arising from contract, tort (including negligence) or otherwise under or in connection with these terms and your use of or reliance upon the Site or Content.

5.6  Nothing in this clause 5 affects or limits our liability for death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

5.7  If and to the extent that the exclusion of liability in clause 5.6 is found to be void or unenforceable by a competent authority, our sole obligation to you for any loss or damage shall be limited to £100.

6  Information about you and your visits to the site

6.1  We process information about you in accordance with our Privacy Policy. By using the Site, you consent to such processing and you warrant that all data provided by you is accurate.

7  Viruses, hacking and other offences

7.1  You must not misuse the Site 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 Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of-service attack.

7.2  Any breach of clause 7.1 may constitute 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 Site or the Content will cease immediately.

7.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site or to your downloading of any material posted on it, or on any website linked to it.

8  Linking to the site

8.1  You may not link to our home page without our prior written consent.

8.2  The Site must not be framed on any other site, nor may you create a link to any part of the Site other than the home page. We reserve the right to withdraw linking permission without notice, in which case you must immediately deactivate and discontinue the link.

8.3  If you wish to make any use of material on the Site other than that set out above, please address your request to info@financialagent.co.uk.

9  Links from the Site

9.1  Where the Site contains links to other sites and resources provided by third parties, these links are provided for your information only.  We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10  Jurisdiction and applicable law

10.1  The English courts will have exclusive jurisdiction over any claim arising from or related to, a visit to the Site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

10.2  These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

10.3  We reserve the right to seek all remedies available at law and in equity for violations of these terms, including but not limited to the right to block access from a particular Internet address to this Site and any other sites operated by us.

11  Trademarks

11.1  “Financial Agent”, “Financial-Agent” are trademarks of Financial Agent. We do not grant you any licence or other right to use the trademarks in any way.

12  Variations

12.1 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on the Site.

13  Your concerns

13.1  If you have any concerns about material that appears on the Site, please contact Financial Agent at the contact details provided above.

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