Terms & Conditions

General

Welcome to our website, www.financialadvisor.co.uk (the “Website”, “us”,”we” or “our” for short). “You” and “Your” means You as the user of our Website.

Use Of This Website

These terms and conditions (”Terms and Conditions”) together with the Privacy Policy set out how You may use our Website. By accessing the Website, You agree to these Terms and Conditions.

If You do not agree to these Terms and Conditions, You should not use the Website. You should read all the Terms and Conditions prior to using the Website. You should also save and/or print out a copy of these Terms and Conditions for future reference.

The Website contains content about products which may be age restricted and/or subject to other restriction in some locations. By entering these areas of the Website You warrant that it is legal for You to view such material from the location You are accessing the site.

Variations

We may from time to time vary these Terms and Conditions. Please check these Terms and Conditions regularly to ensure You are aware of any variations made by us. If You continue to use this Website, You are deemed to have accepted such variations. If You do not agree to such variations, You should not use this Website.

Accessing Our Website

Access to our Website is permitted on a temporary basis and we reserve the right to withdraw or amend the service without notice. You are responsible for making all arrangements necessary to access this Website. You are also responsible for ensuring that all persons accessing our Website through Your internet connection are aware of these Terms and Conditions.

Reliance On Information Posted

Materials posted on our Website are not intended as advice and should not be relied upon as such. We therefore disclaim all liability and responsibility arising from any reliance placed on such information.

Intellectual Property

You may access, view and print out one copy of this Website and all information, images, and other content displayed on the Website (”Materials”) on a single device strictly in accordance with these Terms and Conditions.

You may only view, print out and use the Website and the Materials for Your own personal, non-commercial use. We expressly reserve all intellectual property rights in

and to the Website and the Materials and Your use of the Website and Materials is subject to the following restrictions. You must not:

remove any copyright or other proprietary notices contained in the Materials;
use any Materials from the Website in any manner that may infringe any copyright, intellectual property right or proprietary right of us or any third parties; or
reproduce, modify, display, perform, publish, distribute, disseminate, broadcast, frame, communicate to the public or circulate to any third party or exploit this Website and/or the Materials in any way including for any commercial purpose, without our prior written consent.

Trade Marks

We expressly reserve all rights in and to the www.financialadvisor.co.uk domain name and all related domains and sub-domains our “lazy advisor” logo device, Other trade marks, products and company names mentioned on the Website may be trademarks of their respective owners or licensors and the rights in such marks are reserved to their respective owners or licensors.

Linking To Our Website

You may link to any page of the Website for non commercial purposes provided that You do so in a way that is fair and legal and which does not damage our reputation or take advantage of it. For the avoidance of doubt, the linking site must not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable.

You must not link to our Website in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not remove or obscure by framing or otherwise, advertisements, any copyright notice, or other information published on the Website. Our Website must not be framed on any other site.

If You would like to link to our site for commercial purposes or any purpose not included above, please write to us at links@financialadvisor.co.uk or by using the ‘contact us ‘function on the Website.

We reserve the right to withdraw linking permission at any time and without notice.

Third Party Sites And Content

Our Website and/or the Materials and Content may contain links to third party websites. If You decide to visit any third party site, You do so at Your own risk. We are not responsible for the content, accuracy or opinions expressed in such websites. Links do not imply that we are, or our Website is,affiliated to or associated with such sites.

Your browsing and interaction on another website, including websites which have a link to our Website,is subject to that website’s own rules and policies. Please read those rules and policies before proceeding.

Our communications with You may contain information sourced from third party websites. Material from a third party site will be clearly marked and a link to the source website will be provided. We accept no responsibility or liability for any material supplied by or contained on any third party website which is linked from our communications with You, or any use of personal data by such a third party.

The inclusion of any link in our communications with You does not imply endorsement by us of the linked site. If You decide to access linked third party websites, You do so at Your own risk.

Registration and Members Area

Registered Users have access to additional areas of the Website and/or functionality (”Members Area”). Access to the Members Area is controlled by username and password. Registered Users will be able to access the Members’Area of the site on the basis that:

Username and password are personal to individual Registered Users and shall not be used by anyone else to access the Financial Advisor Members’ Area;

Registered Users provide true, accurate, current and complete information about themselves as requested in the registration form;
Registered Users do not do anything that would assist anyone who is not a Registered User to gain access to the Members’ Area or any documents contained therein;
Registered Users do not maliciously create additional registration accounts for the purpose of abusing the functionality of the site, or other users; nor do they seek to pass themselves off as another user;
Registered Users have read and understood the Website Terms of Use and the Privacy Policy.

We reserve the right to cancel membership to the site and/or refuse access to the Members Area. We shall not be liable for any loss or damages whatsoever arising from a Registered User’s inability to access any pages on the site.

Information On The Website

Views and opinions expressed in content submitted by Users are those of the individual submitting the material, not those of financialadvisor.co.uk and we accept no responsibility for the content of such posts.

Pricing information on the Website is provided by third party software. We do not guarantee the accuracy of pricing information on the Website, nor for the availability of such products/services from third parties. Nothing on this Website should be taken as an offer to sell goods/services.

If You find any content on the Website to be in any way offensive, obscene, defamatory, racist,harmful, inaccurate, unlawful, illegal or deceptive in any way,please notify us using the ‘contact us’ function on the Website, using the subject title “Offensive Content”.

On receipt of Your complaint we may remove or block access to the content complained of and will investigate whether the content breaches our Content Standards policy.

Please see our Complaints FAQ for further details of how we will deal with complaints

Your Content

You agree to use the Website in accordance with the following rules. All content submitted by You,including, but not limited to, Your name, biographical information and all other names, likenesses, graphics, logos, marks, text,images, photographs, and all other information and material shall be called “Your Content” for short.

You grant to financialadvisor.co.uk a non-exclusive, perpetual, irrevocable,transferable, royalty-free license (including full rights to sub-license) to use Your Content (including, without limit, the right to adapt, alter, amend or change Your content) in any media throughout the world without restriction, and You warrant that any material You submit is Your own work or that You have obtained all necessary rights and permissions of the relevant owner and that You have all relevant rights in Your Content to enable You to grant the rights in this clause.

You hereby unconditionally and irrevocably waive and agree not to assert any and all moral rights and any other similar rights and all right of publicity and privacy in any country in the world in connection with our exploitation oft he rights in Your Content granted here under, to the maximum extent permissible by law.

Publication of Your Content will be at our sole discretion and we are entitled to make additions or deletions to any such material prior to publication, after publication or to refuse publication.

You undertake to us that Your Content or its use in accordance with these Terms and Conditions shall not:

infringe copyrights or database rights, trademarks, rights of privacy, publicity or other intellectual property or other rights of any other person or entity;
contain any personal information relating to any persons under 18 unless You are either their parent or legal guardian or have obtained the signature and authority of a parent or legal guardian of any such person permitting You to submit such person’s name or other content related to such person;
contain any content that does not meet our Content Standards (see below);
violate any applicable law, statute, ordinance, rule or regulation.

If Your Content contains any material that is not owned by or licensed to You and/or which is subject to third party rights, You are responsible for obtaining, prior to submission of Your Content, all releases, consents and/or licenses necessary to permit use and exploitation of Your Content by us in accordance with these Terms and Conditions without additional compensation.

Whenever You submit Your Content to the Website, Your Content must comply with our Content Standards. If You do not comply with our Content Standards, we reserve the right to suspend You from using the Website and/or accessing the Members’ Areas without notice.

Content Standards

Your Content must:

be accurate where it states facts;
be genuinely held where it states opinions;
clearly disclose any trade or professional relationship between You and the goods or services which are the subject of Your Content; and
comply with applicable law in any country in which it is posted.

Your Content must not:

contain any material which is defamatory of any other person;
contain any material which is obscene or offensive;
Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
infringe any copyright, database right or trade mark of any other person;
contain misleading or deceptive statements or omissions or misrepresent Your identity or affiliation with any person;
falsely represent that You are a consumer;
contain any unsolicited or unauthorised advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes or other forms of solicitation or advertisement commercial or otherwise;
be made in breach of any legal duty owed to a third party such as a contractual duty or a duty of confidence;
be likely to harass, upset, embarrass, alarm or annoy any other person;
be likely to disrupt our service in any way;
give the impression that they emanate from us where this is not the case; and
advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Use Of Your Content

Although we have no obligation to moderate content on this Website, we reserve the right to monitor any information transmitted or received through our Website. We reserve the right to reject, block, suspend or remove Your Content at any time and in our sole discretion. We in no way guarantee that Your Content or any part of it will be displayed on the Website.

Indemnity

You agree to compensate us and our respective directors, officers, employees, and applicable third parties in full from and against all third party claims, liabilities,losses and expenses (including reasonable legal fees) suffered by such persons arising out of, or related to or which may arise from Your Content and/or any breach by You of any term of these Terms and Conditions.

Our Liability

To the fullest extent permissible by law, we exclude and disclaim all warranties, terms, conditions and representations that might otherwise be implied by law in relation to this Website. In particular we do not represent or warrant that the Website will be error-free, free of viruses or other harmful components, or that defects will be corrected. You must take Your own precautions in this respect.

We do not accept liability for any failure to maintain the Website and/or late or failed delivery of any Materials.

We shall not be liable, under these Terms and Conditions for any indirect, special, incidental or consequential damages or otherwise, even if advised of the possibility of such damages.

The Materials may contain inaccuracies and typographical errors. We do not warrant the accuracy or completeness of the Materials.

We shall not be liable for any loss caused as a result of Your actions or inactions based on the Materials available on this Website. However, nothing in these Terms and Conditions shall affect Your statutory rights, and nothing in these Terms and Conditions shall exclude our liability for:

death or personal injury arising through negligence;
fraudulent misrepresentation; and/or
anything else that cannot be excluded or limited by us under English law.

Privacy And Your Personal Data

The privacy of Your personal data is important to us. Please see our Privacy Policy for details of how we will process Your personal data.

Legal Compliance And Applicable Law

The English Courts will have exclusive jurisdiction over any claim arising from or related to a visit to this Website. English Law will apply to these terms and conditions.

Contact Us

If You have any concerns or queries about material which appears on our Website or if You have questions about Your use of this Website or these Terms and Conditions please get in touch using the ‘contact us’ function on the Website.

Privacy Policy

Introduction

Financialadvisor.co.uk (”we“,”our” or “us“) is committed to protecting the privacy of our financialadvisor.co.uk users (”You” or “Your“). This privacy policy (”Privacy Policy“) is intended to inform You how we gather, define, and utilise Your information which may include Your:

name;
gender;
age;
address or postcode;
telephone number;
mobile number;
email address

(together, the “Information“).

It is also intended to assist You in making informed decisions when using our Website and our products and services. Please take a minute to read and understand the policy.

All Your Information shall be held and used in accordance with the Data Protection Act1998 (the “Act“) where applicable. If You want to know what Information we collect and hold about You, please write to us at: privacy@financialadvisor.co.uk

Financialadvisor.co.uk is the data controller of Your Information for the purposes of the Act.

What Information Do We Collect?

When You visit our Website You may provide us with the following types of information:

Information, as listed above, that You provide to us on an individual basis during Registration or when posting user reviews or comments in the Forum section of the Website. In addition, if You choose to correspond with us by email, we may retain the content of Your email messages together with Your email address and our responses; and
usage information collected as You and others browse our Website;
your preferences and areas of interest as advised by You on registration and;
information provided by You to us in surveys that we use for research purposes (although You do not have to respond to them).

We maintain the highest standards of security, however the transmission of information via the internet is not completely secure. Any transmission is at Your own risk. Once we have received Your Information, we will use strict procedures and security features to prevent unauthorised access.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about browsing actions and patterns and does not identify any individual.

Cookies

Similar to other commercial websites, our Website uses a standard technology called cookies” and web server logs to collect information about how our Website is being used.

Cookies, in conjunction with our web server”s log files,allow us to calculate the aggregate number of people visiting our Website and work out which parts of the Website are most popular. This helps us to constantly improve our Website and better serve our users.

We use “session” cookies which enable You to carry information across pages of the Website and avoid having to re-enter information. Session cookies enable us to compile statistics that help us to understand how the Website is being used and to improve its structure. We also use “persistent” cookies which remain in the cookies file of Your browser for longer and help us to recognise You as a unique visitor to the Website, tailoring the content of certain areas of the Website to offer You content that match Your preferred interests.

You can refuse to accept cookies by activating the setting on Your browser which allows You to refuse the setting of cookies. However,if You select this setting You may be unable to access certain parts of the Website. Unless you have adjusted Your browser setting so that it will refuse cookies, our system will issue cookies when You logon to the Website.

How Do We Use the Information That You Provide to Us?

We use Your Information in the following ways:

to ensure that content from our Website is presented in the most effective manner for You and Your computer;
to notify You about any changes to our service;
to contact You.

Third-party companies may collect and use information about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please visit http://networkadvertising.org/managing/opt_out.asp.

We may disclose Your Information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 736 of the Companies Act 1985.

We may pass Your Information to other third party organisations:

if we buy or sell any business or assets in which case we may disclose Your Information to the seller or buyer of such business or assets;
if we are under a duty to disclose or share Your Information to comply with any legal obligation or in order to enforce or apply our terms and conditions and other agreements or protect the rights, property,or safety of our customers, or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction; and

You have the right to ask us not to process Your Information for marketing purposes. You can exercise Your right by emailing privacyoptout@financialadvisor.co.uk

Please note that by posting any Information in any publicly accessible area of the Website such as the Forums, such Information may be viewed and collected by third parties over which we have no control. We are not responsible for the use of Information by such third parties. Please therefore exercise all due care and consideration before disclosing any Information that will be accessible on public areas. We strongly recommend Registered Users keep postings anonymous and avoid disclosing Information that may be used to identify You.

How Can You Access and Correct Your Information?

You may request access to all Your Information that we collect online and maintain in our database by contacting us using the”contact us” function on the site. Any access request maybe subject to a fee of £10 to meet our costs in providing You with details of the information we hold about You.

Your Consent

By using our Website You consent to our collection and use of Your Information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Website to keep You aware of what Information we collect, how we use it and under what circumstances we may disclose it.

Where we store Your information

The Information we collect from You is not transferred to and stored at a destination outside the European Economic Area. We will take all steps reasonably necessary to ensure that Your Information is treated securely and in accordance with this Privacy Policy.

What about other websites linked to our website?

We are not responsible for the practices employed by websites linked to or from our Website, nor the information or content contained therein.Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of our Website.

Please remember that when you use a link to go from our Website to another website, this privacy policy is no longer in effect. Your browsing and interaction on any other website, including websites which are linked to ours is subject to that website”s own rules and policies.