Terms and Conditions

Terms & Conditions

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.

1. Definitions:
   

   the Customer

   means the user of the Product;

   Financial

   means IFA Compliance Ltd t/as Financial Direct registered in England and Wales under No. 05386389; means Financial Ltd registered in England and Wales under No. 04153343; means Investments Ltd t/as Financial Investments registered in England and Wales under No. 04767704; whose registered offices are at Unit 1, Andoversford Business Park, Andoversford, Cheltenham, Gloucestershire. GL54 4LB.

   the Product
   

   means the forms, documents and information provided by Financial through this
   website;

   the Fee

   means the fee paid by the Customer to access and use the;
   

   Permitted Use

   means the use of the Product as set out in Clause 2.1.

2. Permitted Use

   Subject to the payment of the Fee and subject to the restrictions in Clause 3 below the Customer
   shall be granted a licence to:

   • use the Product and reproduce any of the forms or documents contained therein for their
     own personal and / or business purposes;
   • for the purposes of supporting the Permitted Use reproduce, print and make back-up copies
     on any computer system; and
   • copy, modify, adapt, merge, translate, disassemble, or create derivative works based upon
     the whole or any part of the Product.
3. Exceptions and Restrictions

   The Permitted Use set out in Clause 2 is subject to the following terms and conditions:

   • the Customer will not sell any part of the Product to third parties;
   • the Customer will not distribute forms, documents and other materials to third parties for sale or resale whether as part of a package or as a separate product; and
   • the Customer will not rent, lease, sub-licence or loan any forms, documents or other parts of the Service to third parties.

   The restrictions in Clause 3.1 do not include situations where documents are used in the course of business to facilitate and execute transactions and to manage any and all relevant business affairs.

   By purchasing a document from this website Financial is licensing to the Customer/Purchaser the document on the condition that all content contained in the documents should be for the Customer’s personal use and should not be used for any other purpose whatsoever. In particular the documents should not be changed, altered or used for any commercial purpose or resold to any third party.

   Documents may be reused by each Customer/Purchaser as many times as they wish (for their sole purposes only). Please note that changes in the law will render certain documents out of date from time to time. Financial will attempt to keep all documents listed on this website amended and up to date. Customers will not, however, be notified of any amendments. It is therefore recommended that Customers ensure via this website that all documents intended for re-use are up to date.

4. Ownership

   Financial shall at all times retain ownership of the Product, save for such documents as are created and completed within the permissions granted by Clause 2 of these Terms and Conditions.

5. Product and Liability

   Financial will use its best and reasonable endeavours to correct any defects in the Product in a timely manner.

   Financial will not be liable for any loss of any kind including lost profits or other consequential losses arising from the Customer’s use or inability to use the Product or from errors or deficiencies in any part of it except as expressly provided herein.

   It remains the responsibility of the Customer to ensure that any form or document acquired as part of the Product is appropriate and complete in all respects for its intended purpose. Financial gives no warranty that such material will be fit for its intended purpose.

   No liability shall attach to Financial, its employees, or retained consultants for loss or damage of any nature suffered as a result of the use of the Product or for any errors or omissions in the contents of any forms or documents.

   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 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, any conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill).

   Use of the Financial website does not constitute compliance advice. Neither does it, in anycircumstance, constitute an adviser-client relationship.

   Financial does not provide tailored documents in any sense. All forms are standard documents only. It is advised that as such they should be used in conjunction with advice from a consultant in all instances.

   These documents are only valid for the jurisdiction of England and Wales.

   Financial bears no liability for any loss or damage arising from failure to seek compliance advice in association with the documents and forms provided on their website.

   Financial takes no responsibility for any alteration or modification made by any Customer to any documents found on this website.

   Financial shall in no circumstances be liable for any indirect, special or consequential damage under any law or on any basis whatsoever whether contractual or otherwise arising out of or in connection with the use of this website.

   Each of the provisions contained in the Terms and Conditions shall be construed as being independent of every other so that if any provision is held to be invalid or unenforceable by a court of competent authority, such determination shall not affect the validity of any other condition or stipulation or the application of such provision to any person, firm or company or circumstance.

   We make no representation as to the fitness of the forms for any particular purpose. You should always seek compliance advice in conjunction with this service.

6. 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.

   The contents of this website, including the forms and documents, unless specifically stated otherwise, the copyright Financial and they should not in any circumstances be copied, altered, modified, reproduced, transmitted, distributed, published, licensed, used to create derivative works or resold without the prior written consent of Financial.

7. Refunds

   Financial operates a refund policy which shall, at all times, be subject to the discretion of the management. Any Customer wishing to avail themselves of the refund policy should contact Financial for further information.

8. General

   The Customer acknowledges that the information, documents and forms provided by Financial are not intended to replace compliance or other professional advice and that Financial strongly advises that such advice be sought in all cases where such advice is necessary or appropriate and particularly in any circumstances where the Customer is in any way unsure about any aspects of a document or related matters.

9. Use of our Website

   You may view website pages, download website pages for caching purposes only, and print website pages (excluding website images).

   You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

   You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

   You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.

   You must not use our website to transmit or send unsolicited commercial communications.

   You must not use our website for any purposes related to marketing without our express written consent.

10. Customer Content

    In these terms and conditions, "your Customer content" means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose (including without limitation material submitted for publication on our blog).

    You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your Customer content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

    Your Customer content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

    Your Customer content (and its publication on our website) must not:

    1. be libellous or maliciously false;
    2. be obscene or indecent;
    3. infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
    4. infringe any right of confidence, right of privacy, or right under data protection legislation;
    5. constitute negligent advice or contain any negligent statement;
    6. constitute an incitement to commit a crime;
    7. be in contempt of any court, or in breach of any court order;
    8. be in breach of racial or religious hatred or discrimination legislation;
    9. be blasphemous;
    10. be in breach of official secrets legislation;
    11. be in breach of any contractual obligation owed to any person;
    12. depict violence in a explicit, graphic or gratuitous manner;
    13. be pornographic or sexually explicit;
    14. be untrue, false, inaccurate or misleading;
    15. consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
    16. constitute spam;
    17. be offensive, deceptive, threatening, abusive, harassing, or menacing, hateful, discriminatory
    18. or inflammatory; or
    19. cause annoyance, inconvenience or needless anxiety to any person.
    20. Your Customer content must be appropriate, civil, tasteful and accord with generally accepted standards of etiquette and behaviour on the internet.
    21. You must not use our website to link to any website or web page consisting of or containing material that would, were it posted on our website, breach the provisions of these terms and conditions.
    22. You must not submit any Customer content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
    23. We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.
11. Variation

    We may revise these terms and conditions from time-to-time. Variations to these terms and conditions will apply to the use of this website from the date of the publication of the varied terms and conditions upon this website.

12. Law and Jurisdiction

    This notice will be governed by and construed in accordance with English law, and any disputes relating to this notice shall be subject to the exclusive jurisdiction of the courts of England.