1.1 This website is owned and operated by Candid Financial Advice Limited (“we”, “us” or “our”).
1.2 These terms and conditions (‘Terms’) govern your use of this website (‘site’). Please read through these Terms before using this site. If you do not agree with the Terms, do not use this site. By using this site, you are agreeing to be bound these Terms.
1.3 We reserve the right to change these Terms at any time by posting a new version on this site. Changes will become effective as soon as they are posted. Your continued use of this site after such changes means you accept them.
2.1 We provide independent and impartial financial advice and are authorised and regulated by the Financial Conduct Authority (FCA). This site is intended to provide an overview of our services and provide helpful general information.
3.1 We do not provide financial advice on this site itself. Nothing on the site may be interpreted as financial advice.
3.2 The information provided on this site does not constitute any form of recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific financial decisions.
5.1 Unless otherwise stated, we or our licensors own the intellectual property rights in the site and site content.
5.2 The content of our site includes any information or other material found on www.candidfinancialadvice.com including educational text, articles, editorial, calculators, databases, original graphics, software and all other features of our site.
5.3 Site content is for personal, non-commercial use only. You may view, download for caching purposes only, and print pages from the site for your own personal use. Commercial use or publication of any site content is strictly prohibited without prior written consent from us.
6.1 You must not use our site in any way that causes, or may cause, damage to the site or impair the availability or accessibility of the site; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
6.2 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.
6.3 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.
6.4 You must not use our website to transmit or send unsolicited commercial communications.
6.5 You must not use our website for any purposes related to marketing, with the exception of purchasing an advert, without our express written consent.
7.1 Our site may provide links to third party websites that we believe might be useful. We have no control over, or liability arising from, the content and information provided on such websites.
7.2 You are welcome to link to our site provided that you comply with the following conditions and all applicable laws:
7.2.1 You must not in any way imply we are endorsing your products or services.
7.2.2 Your website or service must not break any laws or contain content that is considered unethical, distasteful or offensive.
7.2.3 You must not misrepresent your relationship with us, or present false information about us.
7.2.4 You may display our logo provided it is not altered in any way.
7.3 If you breach these conditions then we have the right to require you to remove the link and take any other action that we believe appropriate.
8.1 Whilst we endeavour to ensure that the information on this site is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the site remains available, is free from viruses or other harmful properties, or that the material on the site is kept up-to-date.
8.2 To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website. This includes, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill.
8.3 You agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.
9.1 You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.
10.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
11.1 If any of these provisions is deemed invalid, void or unenforceable, that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
11.2 These terms and conditions will be governed by and construed in accordance with English law, and any disputes relating to these terms and conditions will be subject to the jurisdiction of the courts of England and Wales.
This site is owned and operated by Candid Financial Advice Limited.
We are registered in England & Wales under registration number 8261124.
Our registered office address is 6 Riverside Court, Bath BA2 3DZ.
Candid Financial Advice Limited, an independent adviser, is authorised and regulated by the Financial Conduct Authority. FCA number 630986.
Effective as of 2 April 2016 | version 1.1