Welcome to our website.
1.1 By your use of this website, you accept these Terms and Conditions and agree to comply with and be bound by them.
We recommend that you print a copy of these Terms and Conditions for future reference.
If you do not agree to these Terms and Conditions, you must refrain from using our website.
2. Purpose
The purpose of this website is to provide guidance so that you can make better financial decisions.
2.1 Guidance
- Guidance is an impartial service which will help you to identify your options and narrow down your choices but will not tell you what to do or which product to buy; the decision is yours.
- As a provider of guidance we are responsible for the accuracy and quality of the information we provide but we are not responsible for any decision that is made based on it.
- The guidance we provide is free unless we clearly tell you otherwise.
- Guidance will suggest what you could do.
2.2 Advice
- Advice will recommend a specific product or course of action for you to take given your circumstances and financial goals.
- This will be personal to you, based on information you provide.
- Advice will be provided by a qualified and regulated individual or online by a regulated organisation.
- Providers of advice are responsible and liable for the accuracy, quality and suitability of the recommendation that they make, and you are protected by law.
- Advice will recommend what you should do.
2.3 The guidance we provide does not constitute any form of advice, recommendation, representation, or endorsement.
2.4 Social and demographic changes such as our ageing population, changes in the housing market, and new and evolving employment patterns, are making the decisions people face about their finances ever more complex and varied. We feel that high quality support, including financial advice from authorised financial advisers and guidance, should be accessible to everyone at all stages of their lives, so people can take the decisions that are right for them and make the most of the money they have, both now and in the future.
2.5 Adapted from the suggested definitions of advice and guidance as part of the HM Treasury/FCA Financial Advice Market Review (FAMR) and https://maps.org.uk/en/our-work/money-guiders/about/advice-and-guidance
3. Our responsibilities
3.1 We sometimes link to other websites. These links are provided for your convenience to provide further information. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
3.2 We do not as a general policy investigate the solvency of companies mentioned (how likely they are to go bust). There is a risk any company can struggle financially and it’s rarely made public until it’s too late.
3.3 Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the guidance and materials found or offered on this website for any particular purpose. You acknowledge that such guidance and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
3.4 To the extent permitted by law, we and third parties connected to us, hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
3.5 To the extent permitted by law, we and third parties connected to us, hereby expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the guidance provided by this website. In particular, we will not be liable for any loss of income or revenue; loss of business or sales; loss of profits or contracts; loss of anticipated savings; loss of data; loss of opportunity, goodwill or reputation; or wasted management or office time.
3.6 We make no guarantee that this website will be secure or free from viruses and exclude all liability for any loss or damage caused by a virus or other technologically harmful or deleterious material that may infect your computer equipment, programs, data or other material due to your use of this website or any website linked to it. We therefore recommend that you operate your own up-to-date anti-virus software when using this website.
3.7 This website uses cookies. You will find more information on our use of cookies on our privacy page: https://controlyourincomenow.com/privacy-policy/
4. Your responsibilities
4.1 Your financial situation is unique and the products and services on this website may not be right for your circumstances.
4.2 Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
4.3 Always do your own research to ensure any investments, products or services are right for your specific circumstances as our guidance focuses on rates not service.
4.4 If you wish to buy any investment, product or service, please conduct your own research before doing so or seek advice from an authorised financial adviser.
4.5 Any trading or other financial decision you make is your full responsibility.
5. ALL INVESTMENTS INVOLVE RISK
5.1 Past performance does not guide future performance. The value of investments can go down as well as up. The performance of investments is not guaranteed. You may get back less than you invest. You should not expect to be protected if something goes wrong.
5.2 Some investments carry a higher proportion of risk than others. For example, Derivatives, Spread betting and CFD (Contracts for Difference) trading carry a high level of risk to your capital and can result in losses that exceed your initial deposit. They are not suitable for everyone. So, when investing, please ensure that you fully understand the risks involved and, if necessary, seek independent advice from an authorised financial adviser.
5.3 Terms and conditions, along with price of investments, products and services can change, so double check them.
5.4 When investments have particular tax features, these will depend on your personal circumstances. As well as the possibility of your personal circumstances changing in the future, tax rules may also change in the future. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should speak to an authorised financial adviser.
6. Costs
6.1 Our website is completely free for you to use.
6.2 If you choose to purchase a product from a provider or open an account with a provider listed on this website, we may receive a commission. This will help us to continue to provide guidance on this website and ensure that the website is free to use.
7. Intellectual property rights
7.1 This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics.
7.2 The intellectual property rights of this website, guidance and material is protected by copyright laws and treaties around the world. All such rights are reserved.
7.3 You may print off one copy, and may download extracts, of any page(s) from this website for your personal reference and you may draw the attention of others to material published on this website.
7.4 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way.
7.5 Our status (and that of any identified contributors) as the authors and compilers of content on this website should be acknowledged.
7.6 You must not use any part of the materials on this website for commercial purposes without first obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of this website in breach of these Terms and Conditions, your right to use this website will cease immediately and you must return or destroy, at our option, any copies of the materials you have made.
7.7 All trademarks reproduced on this website which are not the property of, or licensed t, us are acknowledged as the property of their respective owners.
8 JURISDICTION AND APPLICABLE LAW
8.1 These Terms and Conditions and any dispute or claim arising in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of England and Wales.
8.2 The English courts shall have exclusive jurisdiction over any claim arising from, or related to, a visit to this website.
9 Variations
9.1 We may revise these Terms and Conditions at any time by amending this page. Because such amendments are binding, please check this page from time to time to take note of them.
Last updated 6 May 2024