Terms & Conditions of access to www.courtiers.co.uk
These Terms are a legal document setting out your rights and obligations and those of Courtiers Investment Services Limited (Courtiers) (and it's Associates as defined in section 52 of the Companies Act 1989) in relation to the services offered by through this website ("the Services"). These Terms contain the full and complete understanding between Courtiers and you relating to this website or the Services. No advice or information, whether oral or written, obtained by you through or from the website or from any conversation with Courtiers staff will operate to vary these Terms. These Terms may be amended without notice to you. Your continued use of the website following any changes will mean that you accept such changes.
1. Content of Website
Whilst considerable care has been taken to ensure the information contained within this website is accurate and up-to-date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information. All products referred to on this website are subject to change without notice. Courtiers may amend this website and our products and services at any time with or without notice to you. You agree that Courtiers shall not be liable to you or to any third party for any amendment, modification, suspension, or discontinuance of the website or any products or services offered through the website. Courtiers accept no responsibility for any information contained in any other website accessed via a hypertext link from this website. No other UK or other country based person/company may link their website into Courtiers' website without the express written permission of Courtiers. The content, accuracy and opinions expressed in such websites are not checked, analysed, monitored or endorsed by us. Access to any third party website is at your own risk. You agree that Courtiers has no responsibility or liability for third party websites and that Courtiers shall not be liable in any way for any damage or loss caused in relation to the content, goods, products or services available through such third party websites.
2. Use of the Website
You agree that you will only use the website in a way which is consistent with the Terms and which complies with applicable laws and regulations. In particular, you agree that you will not use the website to send or upload any material containing software, viruses or other codes, programs or files designed to interrupt, destroy, damage or limit the functionality of any computer software, hardware or telecommunications equipment or in any other manner which would interfere with or disrupt the website.
3. Product Availability
The information contained on this website does not constitute a distribution, an offer to sell or the solicitation of an offer to buy in any jurisdiction. Some products detailed on this website are only available to persons in certain named countries. If you are accessing this website outside the UK, your local legislation may not permit us to offer products to you in your own country. Persons resident in territories other than the UK should enquire as to whether they require any governmental or other consents or need to observe any formalities to enable them to invest in Courtiers' products described in this website. The provision of the information in this website does not constitute an offer to purchase securities to any person in the United States or to any U.S. Person as such term is defined under the United States Securities Act of 1933, as amended.
No information contained within this website should be construed as investment advice on the suitability of Courtiers' products or services to the visitor. No information or advice, whether oral or written obtained from Courtiers, through this website or otherwise, shall create any warranty. Courtiers only provide information about its own products and services.
Except where stated otherwise, the content of this website is based on Courtiers' interpretation of United Kingdom taxation law and practice. While we believe this interpretation is correct, we can give no guarantee that tax reliefs and the tax treatment of funds will remain the same in the future. The value of any tax reliefs will depend on individual financial circumstances and the country of residence.
Courtiers accepts no legal liability for loss, damage or expenses which you may suffer or incur directly or indirectly by you accessing this website. Courtiers reserves the right to restrict, suspend or terminate your use of this Web site at any time at Courtiers' absolute discretion. Courtiers does not guarantee the website and that use of it will be free of fault or error, nor that the website will be permanently accessible. Access to the website may be interrupted or restricted for routine or emergency maintenance or repairs or to introduce new facilities, products, functionality or services. Courtiers cannot be held responsible for any disruptions inherent in the operation of the Internet and the World Wide Web including viruses beyond Courtiers' reasonable control and Courtiers exclude all liability for direct and indirect losses thereby caused or contributed to.
7. Downloading and Copying
Providing that you do not delete, change or modify in any way any copyright notices, you may download materials and information from the website to a single personal computer and/or print a hard copy of the materials on the website in order to help you decide whether to invest in a Courtiers fund or to take advice. Except for this limited licence you may not copy, reproduce, re-publish, upload, post, transmit or distribute any material on this website in any way. Doing so could constitute an infringement of Courtiers' and/or third party copyright and other intellectual property rights.
8. Ownership and Copyright
The copyright in the website and (unless otherwise indicated) its contents including all information, graphics, code, text and design are owned by Courtiers. All material on this website is © 2008 Courtiers Investment Services Limited. Unauthorised use of this material is strictly forbidden. In the event of a professional adviser wishing to publish or distribute written marketing or other promotional material based upon the content of this website, he/she may only do so having first obtained the prior written consent of Courtiers.
This website contains names and logos which are trademarks of Courtiers. Any unauthorised use of any of these names and logos would constitute an infringement of those trademarks and is thus forbidden.
In the event that any term(s) or provision(s) of these Terms is/are held by a court of competent jurisdiction to be invalid or unenforceable then the remainder of the Terms shall remain valid and enforceable and you nevertheless agree that any court shall endeavour to give effect to Courtiers' intentions as reflected in the Terms.
11. Regulatory Information
Courtiers Investment Services Limited is authorised and regulated by the Financial Conduct Authority. Registered address Courtiers Investment Services Limited, 18 Hart Street Henley on Thames Oxon RG9 2AU (FSA Registration No: 124995).
12. Risk Warnings
Past performance is not a guide to the future. The value of investments and the income from them can go down as well as up. You may not get back the amount originally invested. The value of overseas securities will be influenced by the rate of exchange used to convert them back into the base currency of the fund. High Yield Bond and European High Yield Bond funds will/may invest in sub-investment grade bonds which typically have lower credit ratings than other bonds and as such carry a higher degree of default risk which may affect the capital value of your investment.
Certain funds may invest in emerging markets stocks which have additional settlement, dealing and custody risks. Equity based investments including unit trusts and investment companies (ICVCs) should not be considered as short-term investments. Yields will vary and are not guaranteed. Investors should seek out the current yield published in The Financial Times.
Research and analysis contained in this website has been approved by Courtiers and is for information purposes only and should not be construed as information or a recommendation to buy and sell a particular security. Anyone considering making such an investment should consult an authorised Courtiers adviser. Other content of this site may have been provided by external sources which is believed to be accurate and complete but cannot be guaranteed as such. Any opinions are expressed in good faith but are subject to change without prior notice.
13. Jurisdiction and Governing Law
The Terms and any and all contracts concluded under them are governed by and shall be construed in accordance with the laws of England and Wales . You agree that any dispute/s arising out of the Terms or otherwise between us shall be subject to the exclusive jurisdiction of the Courts of England and Wales.
We do not endorse, and accept no responsibility, for the content of any website not operated by Courtiers which you may visit by following a link from this website.
No other website, without the prior written permission of Courtiers, is authorised to link to any part of this website other than the home page nor when so linking to place, integrate or display any bar, frame or partial frame or any additional branding or graphic around the view of this website presented to the internet user.
16. Complaints Procedures
The Courtiers complaints procedure is written in accordance with the Financial Conduct Authority (“FCA”) Complaint Handling Rules and is required to be issued in the event of a customer complaint. Courtiers aims to provide a consistently high standard of service to customers. However, from time to time things can go wrong and in these circumstances Courtiers provides a formal procedure for complaint handling.
If you have a complaint against Courtiers, in the first instance you must contact us so that we can try to resolve the dispute directly. The FCA prescribe strict procedures for how complaints are dealt with including timescales for dealing with these issues. This includes a five day turn around for acknowledgement of the complaint, prompt investigation and regular updates on progress.
If you are unhappy with the outcome of any investigation, you can then refer your complaint to the Financial Ombudsman Service. Details about the Financial Ombudsman Service can be obtained from its website http://www.financial-ombudsman.org.uk/ or by contacting it at The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Tel: 0845 080 1800 or 0300 123 9 123.