Terms and Conditions

Availability of Advisability Ltd

We will endeavour to ensure that Advisability Ltd is available 24 hours per day without any interruptions. However, we reserve the right to make Advisability Ltd unavailable at any time or to restrict access to parts or all of Advisability Ltd without notice. Advisability Ltd is a general information service. We will endeavour not to make it misleading, but we cannot represent that the information accessible on or via Advisability Ltd is accurate, not-misleading, complete or up to date.

Your Contributions

You agree to only use Advisability Ltd for lawful purposes and that any information that you provide in connection with, or which forms part of, Advisability Ltd will be, as far as you are aware, true and accurate and will not infringe any copyright or trade mark, or any right of privacy, publicity or personality or any other right, whether registered or unregistered, of any other nature or any person, or be obscene or libellous or blasphemous or defamatory and you agree to indemnify us against all claims, proceedings, damages, liabilities and costs, including legal costs arising out of your breach of this term. We cannot make any assurances about the information or contribution made by any other user and you should exercise caution before acting or otherwise relying upon any information you obtain via the Advisability Ltd.

Links

Advisability Ltd may include links to other internet sites. Without limiting what we say elsewhere, we make no representations or warranties about those sites or their content, nor that the links work. If you wish to link to Advisability Ltd details of our linking arrangements may be obtained from adminteam@advisability.co.uk

The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Any reliance you place on such information is therefore strictly at your own risk.

Data Protection

It is your responsibility to ensure that that you give us an accurate and valid e-mail address and other contact details and tell us of any changes to them, however we cannot make any assurances about any other user you may meet using the Advisability Ltd. We comply with all applicable Data Protection laws in the UK. For a description of how we use your personal data, please see our Privacy policy.

Intellectual Property

Advisability Ltd, its style and structure, and the materials and information on Advisability Ltd about Advisability Ltd are protected by copyright and other intellectual property rights, and may not be used by you except as expressly provided in this User Agreement. The authors of the documents in Advisability Ltd assert their moral rights.

Our Liability

Since a substantial part of Advisability Ltd is both free and available to all, it is a condition that your use of Advisability Ltd is at your own risk. We shall not be liable to you or in breach of this User Agreement for any delay or failure to perform any obligation if the delay or failure is due to a cause beyond our reasonable control including, without limitation, the blocking or restricting of information to and/or from our network.

Except as expressly provided in this User agreement, we disclaim any further representations, warranties, conditions or other terms, express or implied, by statute, collaterally or otherwise, including but not limited to implied warranties, conditions or other terms of satisfactory quality, fitness for a particular purpose or reasonable care and skill.

Save as provided below, we disclaim all and will not be liable in contract, tort (including, without limitation, negligence) or otherwise arising in connection with this User Agreement or the Advisability Ltd for: (i) consequential, indirect or special loss or damage; or (ii) any loss of goodwill or reputation; or (iii) any economic losses (including loss of revenues, profits, contracts, business or anticipated savings), in each case, even if we have been advised of the possibility of such loss or damage and howsoever incurred.

Our maximum liability to you in contract, tort (including, without limitation, negligence) or otherwise arising in connection with this User Agreement or the Advisability Ltd shall be limited to £50. Notwithstanding any other provision of this User Agreement, we will be liable to you without limit for any death or personal injury caused by our negligence and to the extent that liability arises under Part 1 or section 41 of the Consumer Protection Act 1987 and for liability arising from statements made fraudulently by us.

Small Print

Either of us may terminate this User Agreement at any time. You may not transfer any of your rights or delegate any of your obligations under this User Agreement without our prior written consent. If we fail to enforce any provision of this User Agreement, that failure will not preclude us from enforcing either that provision (or any similar provision) on a later occasion. Nothing in this User Agreement shall confer on any third party any benefit or the right to enforce any term of the User Agreement. This User Agreement is governed by English law and any dispute connected with this agreement is subject to the exclusive jurisdiction of the English courts. Nothing in this User Agreement affects your statutory rights as a consumer.

Complaints

If you believe that your intellectual property or other rights are being infringed by the Advisability Ltd, or if you are dissatisfied with Advisability Ltd or any aspect of our service, in the first instance please contact adminteam@advisability.co.uk

Your Privacy

We take your privacy seriously. This privacy policy describes how and why we obtain, store and process data which can identify you. We may update this policy from time to time and shall indicate on the web site when changes have been made.

The Information We Collect

Information is collected from you when you register with us, or when you contribute to or use some of the advanced features on the site. The information we collect is clearly set out on the web page on which we collect it. See for example our ‘Ask a Question’ form. In addition, we may collect your IP address and use cookies (see cookies section below) unless you configure your web browser not to accept them.

Why We Collect it

We collect information about you so that we can personalise your use of the site, assist your use of the site and improve the site generally. Depending upon your selections we may arrange for you to be sent information about related products and services from us and carefully selected third parties (see section 4).

Who We Disclose it to

We will only pass on information about you as an individual (as opposed to aggregate information) to third parties to enable us to perform services requested by you or with your prior consent.

If you give your consent, we will pass your contact details to third parties who may then occasionally send communications to you to provide information, offers and services that may be of interest to you.

In certain circumstances we may need to disclose information about you if you breach this privacy policy or if you breach the Terms and Conditions. We may also disclose or access your account if required

We will only pass on information about you as an individual (as opposed to aggregate information) to third parties overseas to enable us to perform services requested by you.

Data Protection

Advisability Ltd is an Appointed Representative of Pensionology.uk which is registered with the Information Commissioner in the UK as a “data controller” in accordance with the provisions of the Data Protection Act 1998. Further details of the registration are available at www.dpr.gov.uk.

Security

Keeping information about you secure is very important to us and certain sections of the site may encrypt data using SSL or a comparable standard. However, no data transmission over the Internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk.

Accessing and Updating your Personal Information

We will always let you have a copy of personal information we have about you, should you request it, and you may correct it if you wish. Instructions about how to do this are available from adminteam@advisability.co.uk

Communication

To ensure you are kept up to date with news & opportunities Financial Advisor and our sister sites may contact you by email, mail and other means of communication to provide you with info on your requested service or product.

We may also provide you with information, research, offers and promotions of other investments, products and services. If you do not wish to receive information on other products or services you can write us to let us know at the following address: Advisability Ltd, 1 Cranford Drive, Knutsford Business Park, Knutsford, Cheshire, WA16 8ZR.

Some websites will also use cookies to enable them to target their advertising or marketing messages based for example, on your location and/or browsing habits.

Cookies may be set by the website you are visiting (‘first party cookies’) or they may be set by other websites who run content on the page you are viewing (‘third party cookies’).

What is in a Cookie?

A cookie is a simple text file that is stored on your computer or mobile device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like your preferences or what’s in your shopping basket.

The Types of Cookies We Use:

First Party Cookies

First party cookies are set by the website, you are visiting and they can only be read by that site.

Third Party Cookies

Third party cookies are set by a different organisation to the owner of the website you are visiting. For example, the website might use a third party analytics company who will set their own cookie to perform this service. The website you are visiting may also contain content embedded from, for example YouTube or Flickr, and these sites may set their own cookies.

More significantly, a website might use a third party advertising network to deliver targeted advertising on their website. These may also have the capability to track your browsing across different sites. It is important to note that advertising cookies are not set for UK visitors to the Advisability Ltd website. Advisability Ltd websites do use advertising cookies but these will not track your behaviour outside of the Advisability network of sites.

Sessions Cookies

Session Cookies are stored only temporarily during a browsing session and are deleted from the user’s device when the browser is closed.

Persistent Cookies

This type of cookie is saved on your computer for a fixed period (usually a year or longer) and is not deleted when the browser is closed. Persistent cookies are used where we need to know who you are for more than one browsing session. For example, we use this type of cookie to store your preferences, so that they are remembered for the next visit.

Free Review at the expense of Advisability UK. FCA regulated independent advice & impartial guidance