This page tells you the terms (the Terms) on which you may use and access www.quilter.com (the Website).
Please read the Terms carefully before using the Website. By using the Website, you are agreeing to keep to the Terms.
The Terms refer to the following additional documents, which also apply to the use of the Website:
- Privacy Notices for each relevant Quilter Group company, which describes how and why we process your personal data;
- Our Website Acceptable Use Policy, which sets out the permitted uses of our Website. When using our Website, you must comply with the Website Acceptable Use Policy;
- Social Media Policy, which sets out guidelines for all social media users engaging with Quilter,
- Additional terms for pages containing information on Quilter Investors products and services
(together “Additional Terms”)
If you do not agree to the Terms (including the Additional Terms) you must not use the Website.
The Website is operated by Quilter Business Services Limited (a subsidiary of Quilter Plc) which is a private limited company registered in England with company number 01579311, on behalf of itself and other Quilter group companies.
The information and services referred to on the Website are not directed at, or offered to, any person or organisation in any country or state where:
- advertising, offering or selling is restricted or not allowed by law or regulation; or
- we would have to register the Website or obtain a licence we do not already have.
We do not represent that content available on or through the Website is appropriate for use or available in other locations. Distributing information in certain countries may be restricted by local law. As a result, if you access the Website, you must be aware of, and keep to, any such restrictions.
The Website and the information contained herein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. Any person who is residing or a citizen other the United Kingdom may be restricted by local law. As a result, if you access the Website, you must be aware of, and keep to, any such restrictions.
Accessing the Website
In terms of any pages on the Website, when we refer to ‘you’, ‘your’ and ‘yours’, we mean the person accessing the Website. ‘We’, ‘us’ and ‘our’ means Quilter Business Services Limited unless stated otherwise.
The Website contains some content which may be provided by other Quilter group companies.
You should read the Terms together with any terms, conditions and disclaimers provided in the other pages of the Website. The Terms will take priority if there is any difference between them and the Terms, conditions and disclaimers provided in the other pages of the Website unless expressly stated otherwise.
We may change the Website and the Terms at any time without notice. Any change to the Terms will apply as soon as it is posted on our Website. You agree to review the Terms on each occasion you access the Website and, if you continue to use the Website, it will mean that you agree to any changes which have been made.
Each term and condition of the Terms is separate. If we cannot enforce any term or condition or it is not valid or breaks any laws or regulations which apply, it will not affect any other terms or conditions.
Unless we say differently in the Terms, we will not be legally responsible to you for any failure to carry out our responsibilities under the Terms if the cause is beyond our reasonable control. This includes:
(a) war, riot, revolution, political crisis or any act of terrorism;
(b) earthquake, hurricane, typhoon, flood or other natural disaster;
(c) any regulatory ban on our activities;
(d) a banking moratorium having been declared by law or the appropriate regulatory authorities (where there is a temporary delay or suspension of banking activities meaning we do not have access to banking services);
(e) any breakdown, malfunction or failure of transmission, communication or computer facilities; or
(f) industrial action, acts and regulations of any government or authority.
We will do our best to give written notice to you with full details of events which mean we cannot carry out our responsibilities. However, we will not be held responsible if we cannot contact you promptly or even at all.
The Terms are for our benefit and are binding on us and on anyone who takes over our business.
You are responsible for:
- making all arrangements necessary for you to access the Website; and
- making sure that anyone who accesses the Website through your internet connection is aware of, and keeps to, the Terms.
If we give you a user identification code, password or any other information as part of our security procedures, you must treat that information as confidential, and you must not reveal it to anyone.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at email@example.com or 0808 171 2626..
Changes to the material on the Website
We may revise or update the Terms at any time and without notice to update, remove, amend or vary any of the material which appears on any of the pages of the Website.
Material on the Website may be out of date at any given time, and we are under no obligation to update it.
Intellectual property rights
Unless otherwise indicated, we own or licence all intellectual property rights in the Website and in the material published on it. This material is protected by copyright laws and treaties around the world. All these rights are reserved.
You acknowledge that we own the Website and that it is protected under copyright. This means you may not copy, send, display, publish or distribute anything on it without our authorisation.
You may print one copy, and may download extracts, of any pages from the Website for your personal reference and you may draw the attention of others within your organisation to material posted on the Website.
You must not change or separate any sections of the paper or digital copies of any materials you have printed or downloaded.
You must always acknowledge that we (and any others who have contributed to the content of the Website) are the authors of material on the Website.
You must not use any part of the material on the Website for commercial purposes without getting a licence from us to do so.
If you print, copy or download any part of the Website and break the Terms, your right to use the Website will end immediately and you must return or destroy any copies of the material you have made.
We do not accept responsibility for any alterations to the content of the Website unless made or approved by us.
We disclaim all liability which may result from any unauthorised reproduction or use of the information on the Website. All rights not expressly granted are reserved by us or our licensors.
You may not delete or alter in any way any copyright, trademark, intellectual property or other legal notices from any part of the Website or any information printed or downloaded from it.
All trademarks, service marks, company names, logos and any unregistered or equivalents rights in any jurisdiction are the property of Quilter Business Services Limited and/or their respective holders. The display of any trade names or trademarks on the Website does not imply any licence has been granted to any third party in respect of the same. Any use by you of these marks, names and/or logos may constitute an infringement of the holders’ rights.
As far as we are allowed by law, we will have no legal responsibility for:
- all conditions, warranties and other terms which might otherwise be implied by any law; and
- any direct, indirect or consequential loss or damage you may suffer in connection with the Website or in connection with using, not being able to use, or resulting from using the Website, any websites linked to it and any materials posted on it or changes made to the content of the Website by unauthorised people.
Nothing in the Terms can exclude or restrict any responsibility we may have for causing death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, nor any other liability which we cannot exclude or is limited under any relevant laws. This includes our duties and liabilities to you under the UK Financial Services and Markets Act 2000 (as amended), or the rules of the FCA or the PRA or any other competent authority which regulates us.
Please note that if you are a consumer:
- We only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes.
- If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
We do not guarantee that:
- the Website will be available and meet your needs;
- access will be uninterrupted;
- there will be no delays, failures, mistakes or missing information or loss of transmitted information;
- no viruses or other contaminating or destructive properties will be transmitted; or
- no damage will happen to your computer system.
The information contained on the Website is provided on an ‘as is’ or ‘as available’ basis. You use the Website at your own risk and you alone are responsible for protecting and backing up data and equipment and for carrying out reasonable and appropriate precautions to scan for computer viruses or other destructive items.
We may have issued other reports that are not compatible with, and reach different conclusions from, the information presented on the Website. These reports reflect the different assumptions, views and analytical methods of those who prepared them and we are not obliged to ensure that such reports are known to the user.
The Website is not designed for the transmission of time-sensitive instructions or questions. Accordingly, if you use the Website to transmit time-sensitive instructions or questions, you will be liable for any loss that may arise, and any such information is transmitted at your own risk.
We are not approving any other organisations or their advice, opinions, information, products or services by including any information on the Website.
We will not be liable for any damages or losses suffered by you accessing areas of the Website that are not appropriate for your jurisdiction or investor type.
The website may use pop-up windows to display certain types of information. Please ensure that you have disabled pop-up blockers from your browser when using our website. We will not be held liable for any loss incurred as a result of your inability to view information resulting from the use of pop-up blockers.
Viruses, hacking and other offences
You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not try to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website using a denial-of-service attack or a distributed denial-of service attack.
By breaking this condition, you would commit a criminal offence under the UK Computer Misuse Act 1990. We will report this to the relevant law-enforcement authorities and we will co-operate with those authorities by giving them your name and other details. Your right to use the Website will also end immediately.
We will not be legally responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other material due to you using the Website or downloading any material posted on it, or on any website linked to it.
Linking to and from the Website
You must not frame the Website on any other site (where you display one of our webpages in another webpage so it appears that the Website is part of another website), nor create a link to any part of the Website other than the home page. You must not suggest in any way that we are approving any products or services other than our own or misrepresent the relationship between you and us. You must not alter, block or otherwise prevent any content of the Website from being displayed, or link to the Website through any other Uniform Resource Locator (URL) or mirrored website. We may withdraw permission to link to the Website without giving you any notice.
The Website may contain links to other websites or resources which are hosted and maintained by other organisations and which may not be regulated by the FCA, PRA or another local regulator. When you activate these links, you leave the Website and we have no control over the content or security of any site you go to. You are using these links entirely at your own risk and we do not endorse nor accept any legal responsibility for the content, use or availability of those websites or for any loss or damage, however it arises, as a result of using them.
The website in which you are linking must comply in all respects with the content standards set out in our Website Acceptable Use Policy.
Uploading content to our website
Whenever you make use of a feature that allows you to upload content to our website, or to make contact with other users of the Website, you must comply with the content standards set out in our Website Acceptable Use Policy.
You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any content you upload to the Website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of the Website a limited licence to use, store and copy that content and to distribute and make it available to third parties.
By uploading content to the Website you warrant that you have the right to make it available to us, the content is not defamatory and the content does not infringe any law or rights or interests of any third party in any country of the world, in particular that the content does not plagiarise or infringe on the rights of third parties including copyright, trade mark, trade secret, privacy, personal publicity or proprietary rights in accordance with our Website Acceptable Use Policy.
We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to the Website constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to remove any posting you make on the Website if, in our opinion, your post does not comply with the content standards set out in our Website Acceptable Use Policy.
You are solely responsible for securing and backing up your content.
Rights you are giving us to use material you upload
When you upload or post content to our website, you grant us a perpetual, worldwide, non-exclusive, royalty-free, transferable licence to use, distribute, and display that user-generated content in connection with the service provided by the Website.
By submitting your comments, photos, and videos you agree that we are able to use these in company presentations and reports, though we will not disclose any of your personal contact details in doing so.
Nothing on the Website represents investment, legal, tax or other advice and you must not rely on it when making an investment or other decision. You should get relevant and specific professional advice (legal, tax, financial and other) before making any investment, legal or tax decision.
We have prepared the Website for information purposes only and it is not an offer, recommendation, marketing commitment or an invitation to buy, sell or hold any interest in any financial product or service. No representation is given that shares, products, or services identified in, or accessible through, the Website are suitable for any particular investor. You acknowledge that your use of the Website and any requests for information are unsolicited.
No warranty or representation is made in respect to the information on the Website, including without limitation that the information is accurate, complete or timely. We believe that the opinions expressed and information on the Website are accurate at the date of publication. The information on the Website has not been registered, verified or approved by any local regulator. We are not claiming to give a complete description of our investment policy, markets or any investments. All opinions on the site may change without notice.
User-generated content is not approved by us
The Website may include information and materials uploaded by other users of the Website, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our website do not represent our views or values.
If you wish to complain about information and materials uploaded by other users please contact us.
We reserve the right to cease operating the Website or to terminate your access and use of any part of the Website at any time without notice and for any reason.
Country and applicable law
The Terms and any dispute or claim arising out of or in connection with it will be governed by and interpreted in accordance with English law. You and we both agree that the Courts of England and the courts of England and Wales will have exclusive jurisdiction except that if you are a consumer and a resident of: (i) Northern Ireland you may also bring proceedings in Northern Ireland, or (ii) Scotland you may also bring proceedings in Scotland.