Terms of Service

BY USING OUR WEBSITE YOU ACCEPT THESE TERMS

By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our website.

We reserve the discretion to amend these website terms from time to time without any notice. Every time you wish to use our website, please check these terms to ensure that you understand the terms that apply at that time.

OWNER AND OPERATOR OF THIS WEBSITE

This website is owned and operated by Jason Cook MCSI.

OWNERSHIP OF THE CONTENT OF THIS WEBSITE AND RESTRICTION OF USE

The entire content of our website is protected by copyright laws and intellectual property rights. You may download and use information and material from our website for your personal use. However you may not copy, reproduce, distribute or modify the content of our website for commercial or public use without prior written consent from us.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.

You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

You should not rely solely on the information on our website

The content of our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must take professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

All services displayed on our website are subject to their own specific Terms of Business (also referred to as Terms and Conditions), which may change from time to time. If you choose to buy any service listed on this website, you should not rely solely on the information contained on our website. You should read carefully the Terms of Business relating to the service you intend to purchase. These may be obtained by writing into us - contact details can be found on the contact us link on this website.

Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up to date.

Type of information we provide on our website

We provide information on investments or markets produced, such as research recommendations, market trends, investment analysis or commentary on the performance of selected funds, companies and other financial instruments (“Investment Information”); various tools to assist you with your own investment decisions; and, non-investment information of a general nature.

We do not provide nor intend to provide a personal recommendation or investment advice on our website. Therefore, you must not treat any information on our website as a personal recommendation or as investment advice given to you.

If you require a personal recommendation or investment advice please contact us for details on our other services - contact details are to be found on the ‘contact us’ link on our website.

Information from this website must not be issued or promoted in any other jurisdiction where prohibited by law and must not be used in any way that would be contrary to local law or regulation.

Accordingly, the investment information detailed in our website does not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The Information does not constitute an offer or solicitation to buy or sell any investment fund or other products, services or information to anyone in any jurisdiction in which an offer or solicitation is not authorised or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial adviser.

Data privacy notice

For how we process your personal data, please refer to the details set out in our data privacy notice section.

Security of our website

We do not guarantee the security of our website, but we use reasonable endeavours to maintain it to current security standards.

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any loss in connection with any message sent by you to us or by us to you over our website.

You should also specifically note that email communication is not secure and you should not send sensitive or personal information in them.

We do not guarantee that our website will be secure or free from bugs or viruses.We are not responsible for viruses and you must not introduce them either directly or indirectly.

You are responsible for configuring your information technology, computer programmes and platform to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Trademarks

All relevant trademarks such as ‘Smart Advice’ and ‘Money Guru’ are the intellectual property of Jason Cook MCSI. You are not permitted to use them without our approval, unless they are part of material you are using as permitted above.

Accuracy of information

Whilst all reasonable steps have been taken to ensure that the information contained on our website is accurate and complete at the date of publication, no warranty or guarantee is given and no liability is accepted for any loss incurred. Errors or omissions in the information may occur because of a number of factors which are inherent in any Internet access system and are not within our control. The information contained in this website is subject to change without notice.

Smart Advice, and any of our affiliates, subsidiaries, officers, directors, employees or agents provide the website and the information on an “as is” basis. We (and they) do not make any express or implied warranties, representations, endorsements or conditions with respect to the website or the information. This includes, without limitation, warranties as to operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose.

Any links on this website that lead to sites maintained by third parties, over which we have no control, are provided solely as a convenience to users and use of those sites will be at your own risk.

Supported browsers

Our website is designed to work with current versions of the most popular web browsers. The site may not display properly if you are using an old version of an internet browser. In addition we have designed the website to work best with Javascript enabled. If you choose not to turn on Javascript in your browser, you may find some areas of the site have reduced features.

No liabilities

This paragraph excludes or limits our legal liability for the website. You should read it carefully. It applies only as far as the law permits, and in particular Smart Advice do not exclude or restrict any duties or liabilities to you required under local regulations.

Smart Advice and Jason Cook MCSI are not responsible for, and will not be liable to you or anyone else for, any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the website or the information, or any action or decision made by you in reliance on the website or the information, or any unauthorised use or reproduction of the website or the information, even if we have been advised of the possibility of these damages. We do not exclude or limit in any way our liability to you where it would be unlawful to do so.

Suspension or withdrawal of our website

We may suspend or withdraw or restrict the availability of all or any part of our website at any time without notice.

We do not guarantee that our website, or any content on it, will always be available or be uninterrupted at all times.

Risk Warnings

The value of your investments can go down as well as up, and you could get back less than you originally invested.

All investments involve a degree of risk of some kind. Past performance or any yields quoted should not be considered reliable indicators of future events. This website is not advice to invest. This website aims to provide information to help you make your own informed decisions. It does not provide advice based on your individual circumstances. We are here to help if you have any questions or would like to get professional help. Please refer to our contact us section for details.

Restricted advice can be provided as part of other services offered by Smart Advice, upon request and on a fee basis. Before investing in funds please check the specific risk factors on the key investor information document (KIID) or refer to our risk warning notice as some funds can be high risk or complex: they may also have risks relating to geographical area, industry sector and/or underlying assets in which they invest. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. For further information, please refer to our Risk Warnings section.

If you have any questions relating to our website terms and conditions, please contact us via the contact us section.