Date of last update: 21 April 2016
The following describes the terms on which Wealth Club Limited (“we”, “us” or “our”) offers you access to our services.
Welcome to Wealth Club. By using the services available from the domain and sub-domains of www.wealthclub.co.uk (the "Site") you are agreeing to the following terms (these “terms”). These terms apply to you if you are a guest to our Site, or a registered member. If you do not accept these terms, please do not use the Site.
These terms refer to the following additional policies (together, our “policies”), which also apply to your use of our Site and which form part of these terms:
- If you register with us as a member of Wealth Club and purchase services from us, our Terms of Business (see link in footer) will apply to the purchase and provision of those services.
- We reserve the right to change these terms and/or our policies at any time without notice. Changes take effect when we post them on the Site. Please check this page regularly to make sure that you are aware of any changes we have made, as they are binding on you. Your continued use of the Site after any change to these terms or any of our policies has been made is your acceptance of the modification, addition or change. These terms cannot be altered by you unless agreed in writing by us.
These terms are effective from the date at the top of this page for current users, and upon acceptance for new users.
Information about us
We are Wealth Club Limited. We are registered in registered in England and Wales under company number 09831162, registered office 4 Broad Plain, Bristol, BS2 0JP.
Wealth Club Limited is authorised and regulated by the Financial Conduct Authority. You can access the Financial Conduct Authority's handbook online.
Using our Site
You may access most areas of our Site without creating an account with us. Certain areas of the Site are only open to you if you create an account.
While using the Site, you will not (including without limitation):
- violate any applicable local, national or international laws or regulations, third party rights, or our policies;
- use the Site if you are not able to form legally binding contracts, are under the age of 18, or are temporarily or indefinitely suspended from our site;
- use the Site for any purpose that is prohibited by these terms or could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law and that you will not use the Site to post or transmit any infringing, threatening, false, misleading, abusive, harassing, discriminatory, liable to incite racial hatred, libellous, defamatory, vulgar, obscene, indecent, scandalous, offensive, inflammatory, blasphemous, pornographic, or profane material or material in breach of confidence or privacy;
- distribute, transmit or procure the sending of, any unsolicited or unauthorised advertising or promotional material, any other form of similar solicitation (spam) or pyramid schemes;
- hack our Site or in any way (without our prior consent) interfere with, damage or disrupt any part of our Site or any of the hardware, software or the network that is part of our Site or provides our Site.
- knowingly introduce viruses, trojans, worms, logic bombs or other material to the Site which is malicious or technologically harmful either to the Site or the software, hardware or networks of us or others;
- attempt to gain unauthorised access to our Site, the server on which our site is stored or any server, computer or database connected to our Site;
- attack our Site via a denial-of-service attack or a distributed denial-of service attack.
In the event of committing a breach of any of the provisions set out above, we reserve the right to terminate your account and/or your right to use our Site immediately at our discretion.
[Please confirm whether there will be any ability for customers to post anything on the site, such as reviews, forums bulletin boards, etc. Will customers be able to upload anything?]
Intellectual Property Rights
The Site and all of its contents including, but not limited to, the text, Site (as well as the organisation and layout of the Site), design, logos, graphics, icons, images and publications on the Site (the "Content") are owned and copyrighted by us or our licensors with all rights reserved unless otherwise noted.
You may download the Content, but only for informational, non-commercial, non-profitable purposes and personal use and provided that you do not remove, adapt, alter or obscure any of the information, content or notices (such as copyright and other proprietary notices) contained in the Content. You may not (without our prior written permission or in accordance with the Copyright, Designs and Patents Act 1988) reproduce, download, post, broadcast, store in any medium (including in any other website), transmit, make available to the public, or otherwise use the Content (including, but not limited to, "caching" any material on the Site for access by third parties or "mirroring" any material on the Site) in any way except for your own personal, non-commercial use. Any other use of the Content or the Site requires our prior written permission.
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 site must always be acknowledged.
You shall not create a database in electronic or structured manual form by systematically downloading and storing any Content on the Site.
Intellectual property rights belonging to third parties (as indicated on the Site) remain the property of those third parties. Where any third party intellectual property rights, including trade marks, appear on the Site, we intend this to be for the benefit of the relevant intellectual property owner to help identify the owner’s entry in the Site’s marketplace and we intend no infringement of any third party’s intellectual property rights. If you wish us to remove information that contains your intellectual property rights from the Site, then, you can email us, write to us at Wealth Club Limited, 4 Broad Plain, Bristol BS2 0JP email [email protected] or call us on 0117 929 0511 and we will comply with the request as soon as possible.
In respect of linking to the Site you must not:
- create a link to the Site which might damage our reputation or brand;
- create a link to the Site in any way that suggests any form of association, approval or endorsement by us, where none has been given;
- create a link to the Site from any other site unless you have permission to do so;
- imply that we are endorsing you or your products or services;
- present false, misleading or inaccurate information about us or our products or services on your website or otherwise disparage our products or services;
- include content on your website that is or could be interpreted as illegal, distasteful, offensive or controversial, which infringes any IP rights or other rights of any person or otherwise does not comply with all applicable laws and regulations and you shall include on your website only content that is appropriate for all age groups;
- replicate any Content or use our logos, trade marks, service marks or any other marks of a similar kind without our prior written permission;
- remove or obscure any of the information, Content or notices contained on the Site;
- frame the Site or any Content without permission
We reserve the right to withdraw linking permission without notice.
The Site contains links to third party sites – these links are provided for your information only. We do not have control over the content of third party sites that are linked from the Site and accept no responsibility for their contents. If you access such links you do so at your own risk.
Whilst we have made every reasonable effort to ensure that the information on the Site is correct and up to date, we do not warrant the accuracy, completeness and validity of the material contained on the Site. We reserve the right to make changes to the content of the Site at any time without notice. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
Information, documents and other materials posted on our Site or sent to you are not intended to amount to advice or a recommendation on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, on any information or materials which we send you, or by anyone who may be informed of any of its contents. If you are in any doubt as to the suitability of the products or services on our Site we suggest that you seek professional financial and/or taxation advice.
We do not guarantee that our Site is free from bugs or viruses and you should have your own virus protection software.
We expressly reserve the right to revoke the right granted in this section for any breach of these Terms and to take any further action we deem appropriate in respect of such breach.
We shall use reasonable care and skill in carrying out the services contained in the Site. However all content (including the information, names, images, pictures, logos and icons regarding or relating to Wealth Club Limited, its products and services (or to third party products and services) and all publications, products and services are subject to change and are provided to you "as is" and on an "as available" basis without any representations of any kind or warranty made of any kind (whether express or implied by law) to the extent permitted by law, including, but not limited to, the implied warranties of suitability, satisfactory quality, merchantability, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Without limiting the foregoing, we neither warrant nor represent that your use of any Content will not infringe the rights of any third parties nor that the Content will be accurate, complete or up-to-date.
If you are a business, subject to the wording in bold above and save to the extent that it is set out in our Terms of Business, we will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the terms or any contract entered into for any loss of profits, sales, business, or revenue, loss or corruption of data, information or software, loss of business opportunity, loss of anticipated savings, loss of goodwill or any indirect or consequential loss arising out of or in any way connected with its products or services, the use of or access to the Site or Content, or the inability to use the Site, any websites linked to the Site or the content of such websites (including without limitation the inadvertent downloading of computer viruses from the Site or from e-mails sent from the Site that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any material from the Site or any websites linked to the Site), whether based on contract, tort (including negligence), strict liability or otherwise, even if advised of the possibility of any such damages. Nothing in these terms is intended to limit or exclude your statutory rights as a consumer (if any).
If you are a consumer, subject to the wording in bold above and save to the extent that it is set out in our Terms of Business, we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity arising out of or in any way connected with its products or services, the use of or access to the Site or Content, or the inability to use the Site, any websites linked to the Site or the content of such websites (including without limitation the inadvertent downloading of computer viruses from the Site or from e-mails sent from the Site that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any material from the Site or any websites linked to the Site), whether based on contract, tort (including negligence), strict liability or otherwise, even if advised of the possibility of any such damages. Nothing in these terms is intended to limit or exclude your statutory rights as a consumer (if any).
We assume no responsibility for any information not provided on the Site or for the failure of any of our services offered on the Site.
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 our site or to your downloading of any material posted on it, or on any website linked to it.
You agree to indemnify us against any claims, demands or proceedings brought against us by any third parties if they are a result of your use of the Site or your other actions or omissions or where we suffer any loss or damage as a result of your breach of these terms. Your use of the Site includes any use by third parties where those parties access the Site using your computer.
If you are dissatisfied with any portion of the Site your sole and exclusive remedy is to discontinue using it.
Access to our Site
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
Whilst we endeavour to ensure that our Site is available 24 hours a day, we do not guarantee that our Site, or any content on it, will always be available or uninterrupted, or that it will be free from errors or omissions. We will not be liable if for any reason our Site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Site, and you are also responsible for ensuring that all persons who access our through your internet connection are aware of this agreement, and that they comply with it.
Without limiting Our other remedies, We may limit, suspend, or terminate our service and user accounts, prohibit access to the Site, remove hosted content, and take technical and legal steps to keep users off the Site if we (in our sole discretion) think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of these terms and/or our policies. We also reserve the right to cancel unconfirmed accounts.
We reserve the right for any reason to refuse access to the Site, suspend or terminate your account or remove or edit content.
Your Account and Password
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms.
You must ensure that the details you provide us with are correct, complete and not inappropriate in any way. You agree to notify us immediately of any changes to the information that you provided when registering. You can access and update the information you provided us with in the [My Account] area of the Site.
You are responsible for all activities that occur using your account. You should take all necessary steps to ensure that your username and password are kept secret and secure and you should inform us immediately by email at [email protected] if you have any reason to believe that your username and/or password have become known to anyone else, or if your account is being, or is likely to be, used in an unauthorised way
We reserve the right to reject any application for registration at our discretion. We are not obliged to provide reasons for any such rejection.
If any provision of these terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and do not limit the scope or extent of such section. If we decide to waive any breach of obligation arising under these Terms, then that does not mean that we have waived any other breach or any future breaches.
Unless stated or contained in any of our policies, nothing in the Content within the Site or materials accessed via the Site, other than the terms, is intended to form any binding contract. In particular, notes on products, services and the like are stated on an "invitation to treat" basis (i.e. they are not offers which will become binding upon purported acceptance by you) and are "subject to availability".
These terms and any document expressly referred to in them represent the entire agreement between us in respect of your use of our Site.
These terms are not enforceable under the Contracts (Rights of Third Parties) Act 1999 by any person not a party to them.
You are responsible for complying with local laws and regulations of the jurisdiction from which you access the Site. The Site should not be accessed in any jurisdiction where for any reason the publication or availability of the Site is prohibited. We do not claim that the Site complies with laws in all jurisdictions. If you are in doubt, you should seek legal advice and if necessary, stop using the Site immediately.
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site although we retain the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant country.
These terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
If you have any queries regarding these terms, you can email us, write to us at Wealth Club Limited, 4 Broad Plain, Bristol BS2 0JP email [email protected] or call us on 0117 929 0511.
Thank you for visiting our Site.