Terms

Terms of agreement

By using the website you are agreeing to be bound by these terms and conditions and understanding and agreement of the privacy policy including cookie policy. If you register as a member of the website, by commenting or use the Enquire form, we will ask you to give your express agreement to these terms and conditions.

How the site works

We are completely independent

We make posts that we think are helpful and of interest and are often more of a blog type nature of the thoughts and experiences of its creator Steven Weiss.

If you need professional and regulated help or advice we provide an Enquire form that will be directed to FCA authorised and regulated independent financial advisers. We do not recommend their products, or guarantee the standard of the service they offer, and we also cannot take responsibility for any advice they provide or for the information shown on their websites.

The site is entirely free to use, we hope it’s of help and interest. If you use the Enquire form we may receive a fee from the professional adviser for your enquiry.

The site totalinvestor

We try to ensure that totalinvestor.co.uk is always available 365 days of the year without any downtime. We reserve the right to make totalinvestor.co.uk unavailable at any time or to restrict access to parts or all of totalinvestor without notice. totalinvestor is for information and discussion purposes only and the provision of marketing with regards directing any enquires to FCA regulated advisers. We will endeavour not to make it misleading, but we cannot represent that the information accessible on or via totalinvestor is accurate, not-misleading, complete or up to date.

Regulated advice

Nothing on this site constitutes financial advice and you should always use an authorised and regulated professional if you wish to receive any form of advice.

Use of totalinvestor.co.uk

totalinvestor is designed for personal and non-commercial use and you must not use it in any other way without our consent. Except as permitted under applicable law, you must not use, copy, translate, publish, licence or sell totalinvestor.co.uk or any materials or information in totalinvestor.co.uk or the structure, overall style and program code of totalinvestor.co.uk without our consent. If you wish to make a request for consent, please contact info@totalinvestor.co.uk.

Your comments

You agree to only use totalinvestor.co.uk for lawful purposes, not for spamming and that any information that you provide in connection with, or which forms part of, totalinvestor.co.uk 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 totlainvestor.co.uk.

Links to other sites

totalinvestor.co.uk includes some links to other web sites. Without limiting what we say elsewhere, we make no representations or warranties about those sites or their content. We also do not guarantee that the links work.

Data Protection

If you use the Enquire form, It is your responsibility to ensure that you give us an accurate and valid telephone, e-mail address and other contact details and tell us of any changes to them. We cannot make any assurances about any other user you may discuss with using totlainvestor.co.uk. 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. We are registered with the Data Protection Act (1998). Registration No: ZA231503.

Intellectual property

totalinvestor, its style and structure, and the materials and information on totalinvestor.co.uk of totalinvestor.co.uk are protected by copyright and other intellectual property rights, and may not be used by you except as expressly provided in this Terms of Agreement.

Our liability

Since use of totalinvestor.co.uk is free and available to all, it is a condition that your use of totalinvestor.co.uk is at your own risk. We shall not be liable to you or in breach of this Terms of 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 use of Enquire to our panel of advisers.

All professionals directed to you from the Enquire form have been accredited by Techomedia Ltd as Independent Financial Advisor Status and that they are authorised by the Financial Conduct Authority (http://www.fca.org.uk). Please feel free to check their status yourself at https://register.fca.org.uk/ShPo_Homepage.

Through this website you may be able to link to other financial companies or professionals who have not been accredited by Techomedia Ltd. We have no knowledge in what capacity they advise clients, whether they offer Independent or Restricted advice to clients. The inclusion of any links on this site does not imply a recommendation or endorsement of the views expressed within them. Any reliance you place on such information is entirely at your own risk.

Except as expressly provided in this Terms of 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 Terms of Agreement or the totalinvestor.co.uk for: (1) consequential, indirect or special loss or damage; or (2) any loss of goodwill or reputation; or (3) 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 Terms of Agreement or totalinvestor.co.uk shall be limited to £50. Notwithstanding any other provision of this Terms of 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.

Other points

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

Complaints

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