Financial website terms and conditions
This document was created for use on websites that provide financial data and information free of charge, providing that neither they nor their activities are regulated under the law relating to financial services and financial promotions.
The default text assumes that the website will be UK-based. Optionally, the website operator may prohibit users from outside the jurisdiction. This may be useful where the website will fall within financial services regulation under foreign law, but not under local law.
Standard clauses included in the document cover accounts, feeds, user-generated content and limitations of liability. In several areas, these clauses have been adapted to take account of the special issues and risks associated with financial information websites. In addition, special investment disclaimers are included.Ask about this document
Financial website terms and conditions contents
- Introduction: document governs website use; consent to website document: implied; consent to website terms and conditions: express; website user minimum age.
- Users outside the UK: website directed at UK residents; website may not comply with non-UK laws; non-UK residents responsible for lawful use of website; no liability in respect of persons outside the UK.
- Copyright notice: UCC copyright notice; ownership of rights in website.
- Permission to use website: licence to use website; no downloading; website use: permitted purposes; no modification of website content; limitations on licence to use website; redistributable content; suspension or restriction of access to website.
- Feeds: access to feeds; accessing feeds and acceptance of document; feeds licence; feeds licence condition; revocation of feeds licence.
- Misuse of website: acceptable use: prohibitions; using contact details prohibited; veracity of information supplied.
- Registration and accounts: account eligibility; account registration process; no other person permitted to use account; notify on misuse of account; use of another's account.
- User login details: provision of login details; user ID rules and impersonation; password to be kept confidential; notify on disclosure of password; responsibility for password loss.
- Cancellation and suspension of account: rights of operator over free website account; cancellation policy for unused accounts; cancellation of free website account by user.
- Third party information and relationships: mere conduit of third party information; no liability in relation to third party information; third party relationships at sole risk of user.
- Investments and investment decisions: no financial promotions or investment advice; taking professional financial advice; investment warnings; not regulated under financial services law.
- Our rights to use your content: definition of user content; licence of user content; sub-licensing of user content; right to bring proceedings in respect of user content; waiver of moral rights in user content; user may edit own content; delete etc user content on breach.
- Rules about your content: user content warranty; no unlawful user content; user content rules; civility and user content; hyperlinking and user content; previous complaints and user content; no financial promotions or investment advice; disclosure of material interest in user content.
- Professional advice: no giving professional advice.
- Report abuse: request to report abuse; how to report abuse.
- Limited warranties: no warranties for information; right to discontinue website publication; no implied warranties or representations relating to website.
- Limitations and exclusions of liability: caveats to limits of liability; interpretation of limits of liability; no liability for free information or services; no liability for force majeure; no liability for business losses; no liability for loss of data or software; no liability for consequential loss; no personal liability.
- Indemnity: indemnity from website users.
- Breaches of these terms and conditions: consequences of breach; non circumvention of measures upon breach.
- Third party websites: third party websites: hyperlinks not recommendations; third party websites: no control or liability.
- Trade marks: trade mark ownership; third party trade marks on website.
- Competitions: competitions on website; competition terms and conditions.
- Variation: document may be revised; variation of website document: unregistered users; variation of website document: registered users.
- Assignment: assignment by first party; assignment by second party.
- Severability: severability of whole; severability of parts.
- Third party rights: third party rights: benefit; third party rights: exercise of rights.
- Entire agreement: entire agreement - use of website.
- Law and jurisdiction: governing law; jurisdiction.
- Statutory and regulatory disclosures: ecommerce regulations: trade register; ecommerce regulations: authorisation scheme; ecommerce regulations: professionals; ecommerce regulations: code of conduct; value added tax number.
- Our details: website operator name; company registration details; place of business; contact information.