Accessing our Website
Access to and use of this site, 'this site' being defined as the content made available via www.quiltercheviot.com (“Website”) is operated by Quilter Cheviot Limited (“we”, “us” or “our”) on behalf of itself and its subsidiaries (including, without limitation, Quilter Cheviot Europe Limited and Quilter Cheviot International Limited) (the “Quilter Cheviot Group”) subject to the following terms of use on this page (“Terms”) together with any terms, conditions and disclaimers provided in the other pages of the Website. The Terms will take priority if there is any difference between them and the terms, conditions and disclaimers provided in the other pages of the Website.
Each term and condition of the Terms is separate. If we cannot enforce any term or condition of them or it is not valid or breaks any laws or regulations which apply, it will not affect any other terms or conditions.
In terms of any pages on the Website, when we refer to ‘you’, ‘your’ and ‘yours’, we mean the person accessing the Website.
As you navigate between different pages of the Website you will interact with different entities in the Quilter Cheviot Group. The entity responsible for the content of a page will be shown on that page and the Important Information section may be different for each of these entities depending on their jurisdiction and applicable regulatory regime.
By using this site you agree to be legally bound by these Terms, which shall take effect immediately on your first use of this site.
Governing Law
These Terms shall be governed by and interpreted in accordance with English law and the courts of England shall have exclusive jurisdiction to hear all disputes arising in connection with these Terms.
Changes
We may change the Terms at any time without notice by posting changes online. You agree to review the Terms regularly and, if you continue to use the Website, it will mean that you agree to any changes which have been made.
If you do not agree to be legally bound by all the Terms please do not access or use the Website.
We may at any time and without notice to update, remove, amend or vary any of the material which appears on any of the pages of the Website.
Material on the Website may be out of date at any given time, and we are under no obligation to update it.
Availability
This site's content, including the information, names, images, pictures, logos and icons regarding or relating to entities in the Quilter Cheviot Group and their respective products and services, is provided "AS IS" and on an "IS AVAILABLE" basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
We do not warrant that this Website will be available at any time or that your access to this Website will be uninterrupted, timely or free from viruses or other harmful components. If this Website is unavailable, please contact us and we will attempt to correct the fault as soon as we reasonably can
Accuracy and Validity
Whilst we take all reasonable steps to ensure that the information contained on the Website is accurate and up-to-date, we do not warrant that the functions and information content contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses, bugs or other harmful components. It is your responsibility to ensure that your computer is virus protected.
Liability
By entering this Website, you acknowledge and agree that the use of this Website is at your own risk and to the extent permissible by applicable law, in no circumstances, including (but not limited to) negligence, shall we be liable for any direct, indirect, special, incidental or consequential loss or damage including any loss of profits, business, revenue or goodwill arising from the use of, access to or inability to use or access, interruption or other non-availability of the Website, its operation or transmission, computer viruses (or equivalent), or any other errors, omissions or defects, loss of data or otherwise in respect of its use or the downloading or use of any material from the Website, even if we have been advised of the possibility of such damage. You are responsible for using your own virus protection software.
The information on the Website is provided "as is" and "as available". We make no warranty that access to the Website will be uninterrupted or error-free, that defects will be corrected, or that viruses or other harmful components will not be transmitted in connection with the use of the Website.
We may have issued other reports that are not compatible with, and reach different conclusions from, the information presented on the Website. These reports reflect the different assumptions, views and analytical methods of those who prepared them and we are not obliged to ensure that such reports are known to the user.
We will not be liable for any damages or losses suffered by any users accessing areas of the Website that are not appropriate for their jurisdiction or investor type.
If you transmit any communication through the Website to us directly or through any third-party internet or other service provider, you shall be responsible and liable for any omissions or failures that may be made while transmitting or receiving communications using the Website. The Website is not designed for the transmission of time sensitive instructions or questions. Accordingly, if you use the Website to transmit time sensitive instructions or questions, you will be liable for any loss that may arise, and any such information is transmitted at your own risk.
You will defend, indemnify and hold harmless us and our affiliates and each of their respective officers, directors, employees and agents in respect of any third-party claim for any injury, loss, damage, liabilities or expense (including reasonable attorneys' fees) occasioned by or arising directly or indirectly from your use of the Website or your supply of information to a third party provided in breach of any of your obligations under these Terms.
Third Party Websites
The Website may also contain hypertext links to websites operated by third parties or material from third parties (“Third Party Content”). The responsibility for the operation and content of Third Party Content shall rest solely with the organisation identified as controlling the Third Party Content and will be governed by separate terms and conditions. We do not recommend or endorse, and accept no responsibility for the Third Party Content. While we would generally only provide the Third Party Content we reasonably considered to be reliable, we do not conduct independent investigations and accordingly we make no representations or warranties, express or implied, as to the Third Party Content, and do not guarantee the accuracy, timeliness, completeness, reliability and suitability or usefulness of the Third Party Content for any particular purpose. You access and use the Third Party Content at your own risk.
Intellectual Property
Unless otherwise indicated, Quilter Cheviot Limited, Quilter Cheviot International Limited, Quilter Cheviot Europe Limited or Quilter Business Services Limited owns the copyrights, trademarks, trade names and all other intellectual property rights subsisting anywhere in the world relating to the content on the Website.
You may not copy, reproduce, duplicate, modify, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any of the Website or the information on it, except for the purpose of accessing the Website and producing print-outs for your own personal use. Other than this, we do not grant a licence to this content by virtue of your use of the Website.
Any unauthorised downloading, re-transmission or other copying or modification of any of the contents of the Website may be in breach of statutory or common law rights which could be the subject of legal action. We disclaim all liability which may result from any unauthorised reproduction or use of the information on the Website. All rights not expressly granted are reserved by Quilter Cheviot Limited, Quilter Cheviot International Limited, Quilter Cheviot Europe Limited (as applicable) or their respective licensors.
We expressly prohibit linking by other Websites to any part of the Website other than the home page or where we have otherwise expressly given permission. In addition, we expressly prohibit the linking to the home page of the Website in such a manner that suggests or could be understood to imply that any part of the Website is part of another website and, in particular, third-parties must not frame or use other techniques to enclose any part of the Website.
You may not delete or alter in any way any copyright, trademark, intellectual property or other legal notices from any part of the Website or any information printed or downloaded from it.
All trademarks, service marks, company names or logos are the property of their respective holders. The display of any trade names or trademarks on the Website does not imply any licence has been granted to any third party in respect of the same. Any use by you of these marks, names and/or logos may constitute an infringement of the holders’ rights.
Termination
We reserve the right to cease operating the Website or to terminate your access and use of any part of the Website at any time without notice and for any reason.
Prohibited Use
Except as otherwise stated in these Terms or as expressly authorised by us in writing, you must not use the Website for any unlawful, improper or illegal purpose or activity, or in a way which causes or may cause: (i) damage to the reputation of the Quilter Cheviot Group or any affiliate of ours or use the Website or Website materials in any manner that could create impression of affiliate, sponsorship or endorsement by us such as including “Quilter Cheviot” or a Quilter Cheviot trademark, or any variation of such as a meta-tag or hidden textual element; (ii) the Website to be interrupted, damaged, impaired or use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy the Website or the reports, data, information, content, software, products, services, or other materials on, generated by or obtained from the Website, whether through links or otherwise, without our permission, provided that generally available third party web browsers may be used without such permission; (iii) a virus or malicious code to be introduced into any part of the Website; (iv) offence or detriment to any other person who uses the Website, including in any manner that would interfere with another party’s use of the Website; (v) us, you or any other user of the Website to be in breach of any applicable law or regulation; or (vi) detriment to any person who supplies services to us in connection with the Website, including to damage or to overburden any server or any network connected to our servers, as all servers have limited capacity and are used by many people.
Unauthorised Use of Content
You agree to defend, indemnify and hold harmless us and our affiliates and each of their respective officers, directors, employees and agents against any losses, damages, claims, liabilities and costs (including reasonable attorneys’ fees) to the extent resulting from or arising out of any unauthorised or otherwise inappropriate use of any of the content of the Website attributable to you.
System Outages and Incomplete Transmissions
Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a user’s computer. We will not liable for any damages, changes, or omissions that occur during transmission of information and materials.
Waiver
No waiver by us of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.
Our services
The Website may contain financial promotions. Please read the warnings and terms and conditions on these promotions carefully, and do not view the promotions if you cannot keep to their terms and conditions.
All of the services offered or provided by the Quilter Cheviot Group are governed by separate terms and conditions relating to those services. By continuing to access the Website, if you have not already confirmed that you accept and will keep to these terms and conditions or agreed other terms with the relevant entity in the Quilter Cheviot Group, we (or the relevant entity in the Quilter Cheviot Group) will assume you have accepted the terms and conditions which apply to you.
Disclaimers
Nothing on the Website represents investment, legal, tax or other advice and you must not rely on it when making an investment or other decision. You should get relevant and specific professional advice (legal, tax, financial and other) before making any investment, legal or tax decision.
The Website has been prepared for information purposes only and it is not an offer, recommendation, marketing commitment or an invitation to buy, sell or hold any interest in any financial product or service. No representation is given that shares, products, or services identified in, or accessible through, the Website are suitable for any particular investor. You acknowledge that your use of the Website and any requests for information are unsolicited.
No warranty or representation is made in respect to the information on the Website, including without limitation that the information is accurate, complete or timely. The opinions expressed, and information provided, on the Website is believed to be accurate at the date of publication. The information on the Website has not been registered, verified or approved by any local regulator. Neither we nor any entity in the Quilter Cheviot Group is claiming to give a complete description of our or its investment policy, markets or any investments. All opinions on the Website may change without notice.
For a detailed list of risk warnings, please see Risk factors.