Terms and Conditions
We would like to welcome you to our website. We believe that this website will provide you with a wide range of content/information. Before you use this website there are a number of "legal" areas that we wish to bring to your attention. By using our website you are agreeing to be bound by the terms and conditions of use that are set out below in this section of the website.
Service Agreement Terms and Conditions
If you use "this website" you agree to be bound by these terms and conditions.
1. Background and Definitions
1.1 This Website is designed and hosted on behalf of Money Matters by PracticeWEB Limited (company number 03599995) a subsidiary of Sift Limited (company number 03230061) who provide some of the information which is on this Website. This Website has links to another website hosted by Sift Limited ("Sift Website") which enables you to access third party services.
1.2 In these terms and conditions: "Sift" means Sift Limited (company number 03230061) whose registered office is 5th & 6th Floor, Bridge House, 48-52 Baldwin Street, Bristol BS1 1QP and any company which is at the relevant time a subsidiary or holding company of Sift Limited and any subsidiary of any such holding company (and "subsidiary" and "holding company" shall have the meanings set out in sections 736 and 736A of the Companies Act 1985) "the organisation" means the firm whose name appears on the home page located at the address as shown in the "About Us" section of this website, and "the Websites" means this Website and the Sift Website.
2. Access to the Website and content
2.1 The information provided on the Websites is not in any way an invitation or recommendation to buy any products or services featured and you should seek appropriate independent advice.
2.2 Sift will endeavour to allow uninterrupted access to the Websites, but access to the Websites may be suspended, restricted or terminated at any time.
2.3 Sift assumes no responsibility for the contents of any other websites to which the Websites have links.
3. Intellectual Property
3.1 The copyright in the material contained in the Websites, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to Sift or the providers of such information. All rights are reserved. None of this material may be reproduced or redistributed without our written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
3.2 Product and company names mentioned on this website may be the trademarks or registered trademarks of their respective owners.
4. Exclusions of liability
4.1 Sift uses reasonable endeavours to ensure that the data on the Websites is accurate and to correct any errors or omissions as soon as practicable after being notified of them. Sift does not monitor, verify or endorse information submitted by third parties for posting on the Websites and you should be aware that such information may be inaccurate, incomplete or out of date. To the extent permitted by applicable law, Sift disclaims all warranties and representations (whether express or implied) as to the accuracy of any information contained on the Websites. Sift does not guarantee that the Websites will be fault free and neither will accept liability for any errors or omissions.
4.2 Due to the nature of electronic transmission of data over the internet, and the number of users by whom data is posted on to the Websites, any liability Sift may have for any losses or claims arising from an inability to access the Websites, or from any use of the Websites or reliance on the data transmitted using the Websites, is excluded to the fullest extent permissible by law. In no event shall Sift be liable for any loss of profit, revenues, goodwill, opportunity, business, anticipated savings or other indirect or consequential loss of any kind in contract, tort (including negligence) or otherwise arising out of use of the Websites, save where such liability cannot be excluded by law.
4.3 Sift does not give any warranty that the Websites are free from viruses or anything else which may have a harmful effect on any technology.
5. Exclusion of liability for suppliers' goods and services
5.1 You may obtain services from the organisation following your use of this Website. Sift does not accept any liability for any such services. Any services are provided by the organisation over whom Sift has no control and you should satisfy yourself that you wish to purchase their services before contracting with the organisation. The organisation's standard terms and conditions are in their engagement letter which should be provided to you by the organisation and you should check that you agree to those terms and conditions before ordering any services and goods.
5.2 Sift promotes a number of suppliers on the Websites through its fellow group company Sift Media Limited (Company Number 05923499, whose registered office is at 5th & 6th Floor, 48-52 Baldwin Street, Bristol, BS1 1QP) and offers you the opportunity to buy goods and services from those suppliers through the Websites. Sift can accept no liability for any goods or services provided by third party suppliers. Any goods or services which are not stated to be provided by Sift Media Ltd are provided by third parties over whom Sift does not have control and you should satisfy yourself that you wish to purchase those goods or services before contracting with the supplier. The suppliers will be supplying on their own standard terms and conditions and you should check that you agree to those terms and conditions before placing an order
6. User name and password
6.1 On registering with this Website, you are issued with a user name and password which must be used in order to access certain restricted parts of the Websites. The user name and password are personal to you and are not transferable.
6.2 Your name and password are the methods used by Sift to identify you and so are very important. You are responsible for all information posted on the Websites by anyone using your user name and password and any payments due for services accessed through the Websites by anyone using your user name and password. Any breach of security of a user name and password should be notified to Sift immediately.
7.1 You shall pay within 30 days of receipt of an invoice charges incurred by you at the rates in effect when such charges are incurred. You shall also pay all applicable taxes related to charges made for the use of the Websites at the same time.
7.2 If you fail to pay within the time stipulated above, Sift shall be entitled to charge you interest at 4% above the base rate at the relevant time of LloydsTSB. Such interest shall accrue daily and be compounded monthly. In addition, Sift may suspend your access to and use of the Websites.
8. Data protection
8.1 Sift is committed to protecting your privacy. Sift will collect and use information supplied by you and other users of the Websites to improve the Websites and personalise your experience when you visit the Websites. Sift may also use it to tell you about changes in our services or about features Sift thinks you'll find interesting. Sift does not sell, trade or rent your personal information to others. Sift may share the information with the organisation. By registering with Sift, you are deemed to have consented to use of personal information for these purposes. However, you can tell Sift not to deal with your personal information in these ways in the future by simply send an e-mail message to email@example.com.
8.2 Under the UK Data Protection Act 1998 Sift follows strict security procedures in the storage and disclosure of information which you have given Sift, to prevent unauthorised access.
8.3 You may edit your personal information at any time.
9.1 A cookie is a small text file written to your hard drive that contains information about you. Cookies do not contain any personal information about users.
9.3 Services delivered via the website such as video or embedded content from external providers may also place cookies on your machine (computer).
9.4 If you register or login to the website you are deemed to be accepting these terms and conditions and consenting to the website placing cookies on your machine (computer).
9.5 You can read more information about cookies set by this website on our Cookies information page.
10.1 Sift may terminate your access to the Websites and the services within them on not less than three days' written notice to you.
10.2 All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of your access to either of the Websites for any reason.
11.1 If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.
11.2 Sift may modify these terms and conditions at any time by publishing the modified terms and conditions on this Website. Any modifications shall take effect 3 days after posting on this Website.
12. Governing law
12.1 These terms and conditions are governed by and to be construed in accordance with English law.
12.2 Any disputes shall be subject to the exclusive jurisdiction of the English courts.
All links made available are provided as a convenience to our users. We do not have control, exercise no responsibility and make no representations regarding the accuracy or any other aspect of the content/information found or used on visiting any of third party website. The provision of a link to a third party website should not be considered as an express or an implied endorsement of any content/information, products/services that may be available to you, or through, the third party.
We do not collect any personal information about website users other than that facilitated by the use of "cookie" technology. "Cookies" are designed to enhance your online visit and permit you to access the full service within the website.
We request information from users on our order forms. Users have to provide contact information (such as name and delivery address) and financial information (such as credit card number and expiry date). This information is used for billing purposes and to fulfil customer orders. If we have trouble processing an order, this contact information is used to get in touch with the user.
We use IP addresses to analyse trends, administer the site, track user's movement, and gather broad demographic information for aggregate use.
Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose any information requested. Information requested may include contact information (such as name and delivery address), and demographic information (such as postcode, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the functionality of the site.
This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and off-line.
When our registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, as will be the case for most of the time that a user is browsing the web.
If you have any questions about the security at our website, you can send an email to firstname.lastname@example.org
Correcting/Updating Personal Information
If a user’s personally identifiable information changes (such as your postcode), or if a user no longer desires our service, we will endeavour to provide a way to correct, update or remove that user’s personal data provided to us. This can usually be done at the personal profile page or by sending an email to email@example.com
Notification of Changes
If you register as a user of the website you will be asked for some basic information. Please note that registration is not required for all areas of the website, however we do encourage you to register in order to gain full access to the website content/information and online services. There are technological and operational security systems in place that provide protection for personally identifiable information from loss or misuse.
Where links are provided to other websites it should be noted that they are not and cannot be governed by our Privacy Statement. We cannot guarantee your privacy when you access other websites through any link provided on this website.
Notices and Disclaimers
These disclaimers also extend the above rights to our webmasters, whose service agreement, terms and conditions appear above.