Terms of Use

These Terms & Conditions apply to all Websites, which are owned and operated by Sandringham Financial Partners Ltd, by accessing any of the Websites, you are agreeing to abide and be bound by such Terms and Conditions.

No charge is made for your use of the Websites (unless otherwise stated), although you should be aware that telephone call charges, at rates determined by your telephone operator, may apply.

Definitions

In these Terms and Conditions the following terms shall have the meanings set out below:

• “Micro Site” means any page on a Website;
• “Fintegrity” means Fintegrity Independent Finanncial Advice
• “Websites” means the websites with their home pages as set out below (and “Website” means any one of them) and any other site or web address owned or operated by Fintegrity as may link to these Terms and Conditions from time to time.
• “Content” All material on the Websites and any material sent to you by e-mail or any other form from the Websites

Acceptable Use Policy

You agree to abide by all applicable laws, regulations and codes of conduct and ensure that any content uploaded or distributed or stored by you does not infringe the rights of others.

All material on the Websites and any material sent to you by e-mail or any other form from the Websites (the “content”) or in any way relating to the Websites belong to our licensors or us. You may retrieve and display content from the Websites but only in strict accordance with our terms of supply with you.

You may not do any of the following without prior written permission from us:

• reproduce other than allowed under the Acceptable Use Policy, modify any of the content including research material distributed to you bu us;
•  redistribute any of the content (including using it as part of any library, archive or similar service);
• remove the copyright or trade mark notice(s) from any copies of content;
• create a database in electronic or structured manual form by systematically downloading and storing all and any of the content.

You may not use our trademarks without our prior written permission, and then only in accordance with the rights you have been granted. Other product and company names and logos mentioned or displayed in the Websites may be the trademarks, service marks or trading names of third parties.

In accessing the Websites, or any one of them, you agree not to:

• impersonate another person or use a false name or a name you are unauthorised to use or create a false identity or e-mail address or try to mislead others as to the identity or origin of any communications;
• modify, access or make available data stored on a computer device which you have accessed through our network;
• make available or upload files that contain software or other material, data or information not owned or licensed to you or collect information about others (e.g. names/addresses) without their prior consent;
• damage, interfere with or disrupt access to the Websites or do anything which may interrupt or impair their functionality;
• make any commercial or business use of the Websites or resell or commercially benefit from any part or aspect of the Websites;
• publish, post, distribute, disseminate or otherwise transmit defamatory, offensive, infringing, obscene, indecent or other unlawful or objectionable material or information;
• threaten, harass, stalk, abuse, disrupt or otherwise violate the rights (including rights of privacy and publicity) of others;
• make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, “Trojan horses”, “worms” or any other harmful software;
• falsify the true ownership of software or other material or information contained in files made available via the Websites;
• obtain or attempt to obtain unauthorised access, through whatever means, to the Websites, other services or computer systems or areas of our network;
• set up links from any website controlled by you to any Micro Site, except to the home page of a particular Website, without our express written permission;
• abuse or misuse the Websites in any other way;
• assist others to do any of the above.

We retain the absolute right to prevent you from accessing the Websites, without prejudice to any of our accrued rights, where we in our sole discretion consider it right to do so or we consider in our sole discretion that you are contravening our Acceptable Use Policy or any other term or condition of these Terms and Conditions.

Registration

Where any of the Websites (or Micro Sites on any of the Websites) require that you register in order to use them, you are obliged to provide accurate and complete registration information. It is your responsibility to update and maintain any changes to that information (including your e-mail address).

Registration is for a single user only. On registration, where required, you will be issued with a user name and password.

We do not allow any of the following:

• any other person sharing your user name and password;
• access through a single user name and password being made available to multiple users on a network.

Should a user forget their password, a new one will have to be created. Existing passwords are not visible to any member of Fintegrity staff.

E-mail Policy

We reserve the right to take such action as we in our sole discretion deem fit in respect of any electronic mail (“e-mail”) which contains threatening, abusive, malicious, pornographic, obscene, defamatory or otherwise illegal or inappropriate material.

Intellectual Property Rights

We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated.

Nothing in these Terms and Conditions or in respect of your use of the content, the additional services and/or any third party services shall vest any intellectual property rights in such services in you. You have no right or licence to modify, enhance, alter, change or create any derivative works in respect of any of the content in which intellectual property rights subsist in respect of the Websites, any additional services and/or any third party services. Should you use any intellectual property rights subsisting in any content or any third party services other than in accordance with these Terms and Conditions, any intellectual property rights subsisting in any content created as a result shall vest in the Fintegrity or the relevant third party (where it owns the intellectual property rights in the underlying material).

You shall take all reasonable steps to assist us and any third party licensor in the protection of intellectual property rights associated with the content in a prompt and timely manner at your sole cost and expense, including:

• notifying us immediately if you become aware of the misuse of the content, any user name and/or password in any way by any third party; and
• notify us immediately if any third party makes or threatens to make any claim or legal proceeding relating to your use of the content.

Liabilities

You agree that we have no control over third party content and information which can be accessed using the Websites and that we do not examine or edit the use to which you or others put the Websites or the nature of the content or information being accessed and that we are excluded from all liability of any kind arising from such content or information. You agree that except for death or personal injury arising through our negligence, to the fullest extent permitted by law, we exclude any liability whatsoever for any loss or damage arising from use of the Websites.

We take all such steps as are reasonably necessary to provide a fast and reliable website, but exclude to the fullest extent permitted by law any liability for the security of the services on the Websites or for any disruption of the Websites however caused, loss of or corruption of any material in transit, or loss of or corruption of material when downloaded onto any computer systems.

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