WEBSITE TERMS OF USE

The information set out below (“Terms of Use”), together with our Privacy Notice and our Cookie Policy, governs your use of the website: www.cooperparrywealth.com (referred to below as the “Site”). Please read the Terms of Use carefully as they affect your rights and liabilities under the law.   

By using the Site, you confirm that you accept these Terms of Use and that you agree to comply with them.  

If you do not agree to the Terms of Use, you must not use the Site.  

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.  

If you engage us to provide services to you, our terms of business provided to you will also apply.  

INFORMATION ABOUT US 

The Site is operated by Cooper Parry Wealth Limited (registered company no. 04220777 and VAT number 828 950 688. We’ll refer to ourselves as “we”, “us”, “our”, “Cooper Parry Wealth”.  Our registered offices are at Sky View, Argosy Road, East Midlands Airport, Castle Donington, Derby DE74 2SA.  

Cooper Parry Wealth is authorised and regulated by the Financial Conduct Authority (FCA) for investment business under reference 197193. This can be checked at www.fca.org.uk by navigating to the Financial Services Register or by calling the FCA on 0800 111 6768.  

In accordance with the disclosure requirements of the Provision of Services Regulations 2009, our lead professional indemnity insurers is Aviva Insurance Ltd of St Helen’s, 1 Undershaft, London, EC3P 3DQ. The territorial coverage is worldwide. 

CHANGES TO THESE TERMS 

We may update these Terms of Use from time to time. Every time you wish to use the Site, please check these Terms of Use to ensure you understand the terms that apply to your use of our Site at that time.   

If you continue to use the Site after the date on which the change comes into effect, your use of the Site indicates your agreement to be bound by the new Terms of Use.  

AVAILABILITY OF THE SITE 

Our site is made available free of charge.  

Although we aim to offer you the best service possible, we do not guarantee that the Site, or any of its content, will be available or uninterrupted at all times and we shall not be liable if for any reason the Site is unavailable at any time or for any period.   

We cannot guarantee that the Site will be fault-free. If a fault occurs with the Site, you should report it to us, and we will attempt to correct the fault as soon as we reasonably can.  

Access to all or any part of the Site may be occasionally suspended, withdrawn or restricted for business or operational reasons including to allow for repairs, maintenance or the introduction of new facilities or services. We will try to give you reasonable notice of any suspension or withdrawal.  

INFORMATION ON OUR SITE 

We may update and change the Site from time to time.  

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

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

YOUR USE OF THE SITE 

You may not use the Site for any of the following purposes:  

• disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material or otherwise breaching any laws;  

• transmitting material that encourages conduct that constitutes a criminal offence, or otherwise breaches any applicable laws, regulations or code of practice;  

• conducting, facilitating, authorising or permitting any text or data mining or web scraping;  

• interfering with any other person’s use or enjoyment of the Site; or  

• making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner.  

You will be responsible for our losses and costs resulting from your use of the Site for any purposes in breach of this section.  

INTELLECTUAL PROPERTY 

We are the owner or the licensee of all intellectual property rights in the Site, and in the material published on it. The content of the Site is protected by copyright, trade marks, database rights and other rights under the laws of England and Wales and/or other jurisdictions around the world.   

All rights not expressly granted by these Terms of Use are expressly reserved for us or our licensors.  

You may retrieve and display the content of the Site on a computer screen or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Site without written permission from us.  

For the avoidance of doubt and unless otherwise stated, the copyright of all content of the Site including without limitation photographs and graphical images is owned by us or our licensors and any use of the same other than in accordance with the Terms of Use for any purpose is prohibited.  

You must not modify any documents, graphics, images or use any corresponding text away from such graphics and images. Our logo, copyright and trademarks must appear in all copies made by you such that our status (and that of any identified contributors) as the authors of material on the Site must always be acknowledged.  

If you reproduce, modify, copy, distribute, or use for commercial purposes any of the materials on the Site in breach of these Terms of Use, then your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.   

OUR LIABILITY 

All information provided in this website has been prepared for general information and illustration purposes and does not establish, in any form, a business or professional services relationship with us or any of our group companies. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the material on the Site.  

The Site and any content on the Site is provided on an “as is” and “as available” basis.  

If you are business user, to the maximum extent permitted by law we hereby expressly exclude:  

• all implied conditions, warranties, representations and/or other terms which might otherwise apply to the Site or any material on it;  

• any liability for any loss or damage (whether in contract, tort, breach of statutory duty or otherwise) incurred by you in connection with your use or inability to use the Site, your reliance on the results of your use of the Site or any websites linked to the Site and any materials posted on it;  

• In particular (but without limitation), we will not be liable for any:  

• loss of income or revenue;  

• loss of business;  

• loss of profits or contracts;  

• loss of anticipated savings;  

• loss of data;  

• loss of business opportunity, goodwill and/or reputation;  

• wasted time and/or business interruption; and  

• any other indirect or consequential loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.  

If you are a consumer user:  

• please note that we only provide the Site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity;  

• 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; and  

• we are not responsible for any loss or liability suffered by you where that loss was unforeseeable.  

If you are a consumer or a business user, we do not limit or exclude our liability for death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.  

We shall not be responsible for any breach of these Terms of Use caused by circumstances beyond our reasonable control.  

THIRD PARTIES 

As a convenience to users, the Site may include links to other websites or material provided and controlled by third parties, which are beyond our control. Please understand that we are not responsible for content on any site outside the Site and we accept no responsibility for them or for any loss or damage that may arise from your use of them. Please ensure you have carefully read the terms of use of those other websites. Please also understand that, unless expressly stated, a link to another website from this Site does not mean that we endorse the content, use, products and services of the other website.  

The Site must not be framed on any other site, nor may you create a link to any part of the Site.  

If you take advantage of any discounts, offers, promotions, or are involved in transactions with any third party we shall not be liable for any loss or damage of any sort incurred as a result of any such dealings, or as the result of the presence of such offers, discounts, promotions etc. on the Site.  

Part of the Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Site complies with relevant laws and codes. We will not be responsible to you for any error or inaccuracy in advertising and sponsorship material.  

If you wish to make use of any material on the Site other than as permitted by these Terms of Use, please contact us at theteam@cooperparrywealth.com  

INFORMATION AND PROCESSING YOUR INFORMATION 

We will only process personal data about you in accordance with our Privacy Policy.   

CONTENT YOU UPLOAD TO OUR SITE 

Unless expressly stated otherwise, any information you transmit or post to the Site shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material and/or information. We shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial and non-commercial purposes.  

VIRUSES, HACKING AND OTHER OFFENCES 

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site 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 the Site will cease immediately.  

We do not guarantee that the Site will be secure or free from bugs or viruses, and we will not be liable 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 proprietary material due to your use of the Site or to your downloading of any material posted on it, or on any website linked to it.  

INTERNATIONAL USE 

The Site is directed to people residing in the United Kingdom. We do not represent that materials available on or through the Site are appropriate for use or available in locations outside the United Kingdom, and accessing the Site from territories where its contents are illegal or unlawful is prohibited. If you choose to access the Site from locations outside the United Kingdom, you do so on your own initiative and are responsible for compliance with local laws.  

ACCOUNT DETAILS 

If you choose, or are provided with, a username, identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.  

We have the right to disable any username, identification code or password, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use.  

If you know or suspect that anyone other than you knows you user identification code or password, you must promptly notify us at theteam@cooperparrywealth.com.   

APPLICABLE LAW 

These Terms of Use, their subject matter, and formation (including any non-contractual disputes or claims) will be subject to the laws of England and Wales.   

We will try to solve any disagreements quickly and efficiently.   

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.  

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.  

MISCELLANEOUS 

You may not transfer any of your rights or obligations under these Terms of Use to any other person. We may transfer any of our rights and/or obligations under these Terms of Use to another organisation. Where we transfer any of our rights or obligations under these Terms of Use, we will only do so where we can ensure that your rights will not be affected and we will inform you as soon as we reasonably can.  

If you breach these Terms of Use and we choose to ignore this, we reserve the right to use any rights and remedies available to us at a later date or in any other situation where you breach the Terms of Use.  

If you have any queries regarding these Terms of Use, please contact theteam@cooperparrywealth.com.  

Last update: 1 December 2023.